# Insurance P&C Exam Prep 2026 — Property Casualty License Test > Insurance P&C license exam preparation with calculators and practice questions. (iPhone/iPad app by Deeun Inc..) - Source: https://appshunter.io/ios/app/insurance-p-and-c-exam-prep-2026/id6761668647 (this page in markdown: same URL + `.md`) - Developer: [Deeun Inc.](https://appshunter.io/developer/1691824695) - Category: Education, Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 3 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 6 MB - Languages: American English - Released: 2026-04-08 - Data updated: 2026-09-08 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/insurance-p-and-c-exam-prep-2026/id6761668647/reviews.md ## What is Insurance P&C Exam Prep 2026? INSURANCE P&C PREP: PASS YOUR LICENSE. START YOUR CAREER. 40-60% of people fail this exam. Don't be one of them. The only P&C prep app with calculators that teach you the concepts AND help you on the job. PREMIUM RATE ESTIMATOR Understand how premiums are calculated. Enter risk factors, see how they affect price. Factors include: - Age and driving record - Vehicle type and location - Coverage limits and deductibles - Credit score impact See the math behind every quote. Explain pricing to future clients. Pass premium calculation questions on the exam. COINSURANCE PENALTY CALCULATOR The 80% rule is heavily tested. Our calculator shows you exactly how it works. Enter: - Property value - Coverage amount - Loss amount See: - Are you meeting the coinsurance requirement? - What percentage will insurance pay? - How much is the penalty? - Step-by-step formula breakdown Never miss a coinsurance question again. COVERAGE COMPARISON CALCULATOR Compare policy options side by side. Split limits explained: - 100/300/100 means what exactly? - How much more coverage for how much more premium? - Which option offers better value? Make recommendations. Pass comparison questions. COMMISSION CALCULATOR You passed. Now what will you earn? Calculate: - First year commission on any policy - Renewal income projections - Policies needed to hit income goals - Monthly and annual projections Plan your career while you study. 1000+ PRACTICE QUESTIONS General Insurance Concepts - Risk and insurance principles - Policy structure and terminology - Insurable interest and indemnity Property Insurance - Valuation methods (ACV vs RCV) - Coinsurance calculations - Coverage forms and endorsements Casualty and Liability - CGL coverage parts - Professional liability - Occurrence vs claims-made Auto Insurance - PAP coverage sections - Split limits and CSL - UM/UIM coverage Homeowners Insurance - HO form differences (HO-3, HO-4, HO-6) - Coverage percentages - Section I vs Section II Commercial Insurance - BOP and CPP - Workers compensation - Specialty lines Plus: Policy provisions, underwriting, claims, ethics and regulations WHO NEEDS THIS APP - Career changers entering insurance - Anyone starting a commission-only job - Agents adding P&C to their license - Students in insurance programs - Anyone who failed and needs to pass This exam is your gateway to employment. Take it seriously. FREE TO START 5 questions per day free. Calculators in demo mode. See what you're getting. PRO - TRY FREE FOR 3 DAYS Start your free trial. Get full access immediately. Cancel anytime. Full access includes: - Unlimited practice questions - All four calculators - Exam simulator - Progress tracking - All reference materials - No ads ever PASS FIRST TRY. START EARNING. The exam costs $50-100. Failing means no job. This app costs less than lunch. 2 million agents are already licensed. Join them. This app is for educational purposes only. Insurance licensing requirements vary by state. Check with your state insurance department for specific requirements. Privacy Policy: https://www.voltexam.com/privacy Terms & Conditions: https://www.voltexam.com/terms Apple EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Premium rate estimator - Coinsurance penalty calculator - Coverage comparison calculator - Commission calculator - 1000+ practice questions - Exam simulator - Progress tracking ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Insurance P&C Prep - Pro Monthly | $9.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Insurance P&C Prep Pro Lifetime | $24.99 | one-time | ## Frequently asked questions about Insurance P&C Exam Prep 2026 ### What is Insurance P&C Exam Prep 2026? Insurance P&C Exam Prep 2026 is an educational app designed to help users pass the Property and Casualty insurance license exam. It offers interactive calculators and a large question bank. ### How does Insurance P&C Exam Prep 2026 help users pass the exam? The app provides tools like a premium rate estimator and coinsurance calculator to teach concepts, along with over 1000 practice questions covering various insurance topics. ### What are the key calculators included in Insurance P&C Exam Prep 2026? It features a Premium Rate Estimator, Coinsurance Penalty Calculator, Coverage Comparison Calculator, and a Commission Calculator to help users understand financial aspects of insurance. ### Is Insurance P&C Exam Prep 2026 free to use? The app is free to start, offering 5 practice questions and demo mode calculators daily. Full access requires a subscription, which includes a 3-day free trial. ### What is the subscription cost for Insurance P&C Exam Prep 2026? The Pro Monthly subscription is $9.99 per month and includes a 3-day free trial. This unlocks unlimited questions, all calculators, and an exam simulator. ### Does Insurance P&C Exam Prep 2026 have ads? No, the app is ad-free, especially for users with the Pro subscription. This ensures an uninterrupted study experience. ### What insurance topics are covered in the practice questions? The practice questions cover general insurance concepts, property insurance, casualty and liability, auto insurance, homeowners insurance, commercial insurance, and ethics and regulations. ### What is the update frequency for Insurance P&C Exam Prep 2026? The app was last updated on July 21, 2026, indicating active development and content refreshes to stay current with exam requirements. ## Version history (last 3 releases) ### 3.0 — 2026-08-26 A major update: a fairer exam, 102 new questions, four new calculators and a free sample to try first. A FAIRER PRACTICE EXAM Answer options are now shuffled every sitting. Previously they always appeared in their stored order, and in that order the first option was correct far more often than the others — so the exam could be scored well without actually reading it. That is fixed, and the whole question bank was rebalanced so no answer position is favoured. Your score now reflects what you know. TRY IT BEFORE YOU BUY Take a free 10-question scored sample exam, once a day. Same engine as the full 50-question exam, including the complete answer review, so you can see exactly where you stand before deciding anything. 102 NEW QUESTIONS — 552 IN TOTAL Five topics had no questions at all and now do: additional insured, certificates of insurance, surety and fidelity bonds, loss ratio and rate making, and earthquake. Flood and NFIP, reinsurance, vicarious liability, binders, waiver and estoppel, and umbrella coverage all got deeper. A further 45 questions cover how state regulation actually works — the Department of Insurance and the commissioner's powers, McCarran-Ferguson, licensing versus appointment, agent authority, admitted versus surplus lines, guaranty associations, rate filing systems, market conduct exams and the enforcement ladder. Many questions are worked scenarios with real numbers rather than definitions. FOUR NEW CALCULATORS Loss Settlement — ACV versus replacement cost, then coinsurance, then the deductible, then the limit, each step shown in order. Split Limit Payout — allocate a multi-claimant auto loss across per-person, per-accident and property damage limits. Cancellation Refund — pro rata or short rate, depending on who cancelled. Loss & Combined Ratio — underwriting results and the rate making behind them. Every calculator shows the formula it used, so you can check the work. WHAT VARIES BY STATE A new reference section spells out which rules are the same everywhere and which are not — continuing education hours, cancellation notice periods, guaranty association limits and the exam's own format all differ by state. The app teaches the structure that is genuinely national and points you at your own Department of Insurance for the figures, rather than printing numbers that are only true somewhere. STUDY GUIDES AND FLASHCARDS Five topic guides, and the flashcard decks grew from 23 cards to 65 — spaced repetition brings a card back right before you would forget it. ALSO IN THIS UPDATE An annual plan alongside monthly and lifetime. Daily study reminders. Higher-contrast colours on scores and answer feedback. Layout that scales properly at large text sizes. A launch crash on low-storage devices is fixed, and existing installs now receive new questions on update instead of keeping whatever they first downloaded. ### 2.0 — 2026-07-21 Insurance P&C Prep just got a major update: • Flashcards now use real spaced repetition — rate each card Again/Hard/Good/Easy and it schedules your next review automatically, so you spend more time on what you actually don't know. • New Exam Readiness score combining your quiz accuracy, mock exam scores, and question bank coverage into one number. • Mock Exam results now show a full score history, plus a "Review Missed Questions" screen so you can see exactly what you got wrong and why. • New question navigator during the mock exam — jump to any question, see what's answered, flagged, or still open. • Added new Study Guide chapters and 5 new flashcard decks covering insurance basics, property, casualty, auto, and contract fundamentals. • Study streaks now actually track and remind you before you break one. • Corrected two answer keys and rewrote dozens of flashcard/question explanations for clarity. • Fixed a bug where some flashcards displayed mirrored/backwards text when flipped. ### 1.0 — 2026-04-08 No release notes. ## More apps by Deeun Inc. - [Kidonomic: Kids Money Coach](https://appshunter.io/ios/app/kidonomic-kids-money-coach/id6476450084) - [AI Stock Vision](https://appshunter.io/ios/app/ai-stock-vision/id6738970800) - [Use-It-Up:Save Food,Save Money](https://appshunter.io/ios/app/use-it-upsave-foodsave-money/id6749287569) - [StyleFlip AI](https://appshunter.io/ios/app/styleflip-ai/id6753980457) - [Steps++ : Track & Challenge](https://appshunter.io/ios/app/steps-plus-plus-track-and-challenge/id6754710872) - [Electrician Exam Prep:NEC 2026](https://appshunter.io/ios/app/electrician-exam-prepnec-2026/id6757658532) All apps by Deeun Inc.: https://appshunter.io/developer/1691824695 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*