"One of the biggest challenges facing our industry today is finding job candidates who have a strong technical understanding of insurance. Those candidates who have taken advantage of the educational programs offered by the Institutes clearly set themselves apart from others. In addition, these programs allow our current employees to enhance their contributions to our organization and thus find or create opportunities to further their careers."
The Institutes’ Associate in Personal Insurance (API) designation program provides you with a thorough understanding of the personal lines business, including underwriting, marketing practices, the personal insurance environment, personal insurance profitability, the product development process, and portfolio management. By earning the API designation, you’ll gain the practical, real-world skills you need to increase your confidence in working with upper management, supervisors, peers, and clients.
Earn the Associate in Personal Insurance designation by passing the required course exams.
You can earn the Associate in Personal Insurance (API) designation by completing one of the following two options:
API 28—Personal Insurance: Underwriting and Marketing Practices: Identifying Customer Needs, Marketing, Regulation, Personal and Premises Liability, Auto, Umbrella, Residential Property, Inland Marine, Watercraft
API 29—Personal Insurance: Portfolio Management and Issues: Personal Insurance Market, Developing Products, Underwriting Profitability, Pricing, Reunderwriting, Personal Lines Issues
Program Options: API courses are available as a self-study program via printed textbooks and course guides.
Public classes offered by third-party providers are available for API courses.
We Recommend API for: Agents/brokers, agency principals, customer service representatives, claim adjusters, line of business managers, and personal lines underwriters
Course Sequence: When pursuing this designation, it is best to take the courses in the following order: INS 21, INS 22, API 28, and API 29. The study material for each course presumes that you have mastered the knowledge in any preceding course(s).
Exam Information: API 28 and 29 exams are offered at Institutes-approved on-site testing locations and at Prometric Testing Centers. Contact your education coordinator for further information about on-site testing availability.
API exams consist of 85 objective questions and examinees have two hours to complete each exam.
The Associate in Personal Insurance designation program consists of the following courses.
Enhance effectiveness with a solid understanding of personal property and liability insurance principles and practices
Improve performance by understanding how to balance increasing customer expectations in products and services with insurer needs for profit and expense control
Waiver Information
Passing CPCU 553 waives INS 22 for the purpose of earning API.
You may also earn API by passing API 28, CPCU 555, and CPCU 556.
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