AAI study plan

Build a one-page map of homeowners policy structure (Section I property and Section II liability) from memory, then correct it against your source material.

Distinguish HO-3, HO-5, HO-4 and HO-6 eligibility rules and the coverage each form adds or removes.

Tabulate Coverage A/B/C/D limits and the special limits on Coverage C for each form you study.

Label 20 short policy excerpts as property or liability and note which exclusion governs each.

Sequence the homeowners claim from notice of loss to settlement, listing each duty of the insured at the right step.

Rank the personal auto policy parts (liability, medical payments, uninsured/underinsured motorist, physical damage) by what each pays and to whom.

Differentiate the PAP definition of 'insured' for a named insured, a resident relative, and a permissive user.

Resolve 8 scenario questions on personal umbrella and excess coverage, including when underlying limits must be exhausted.

Audit Domain 1 notes against the exam outline and flag every objective you cannot explain aloud without notes.

Re-explain personal lines exclusions and endorsements aloud for 15 minutes and log each point where you stumble.

Contrast personal and commercial property forms on causes of loss, valuation, and coinsurance.

Define occurrence and claims-made triggers and label 10 fact patterns with the correct trigger.

Diagram the CGL Coverage A, B and C structure and label the insuring agreement of each part.

Differentiate occurrence and claims-made triggers, then compute the effect of retroactive dates and extended reporting periods in 5 scenarios.

Explain additional insured status and contractual liability transfer using 3 workplace examples.

Identify which CGL exclusions most often drive an insured to a separate policy.

Compare commercial property, business income, and inland marine forms on valuation, coinsurance, and covered causes of loss.

Calculate business income loss in 3 scenarios using the period of restoration and the coinsurance formula.

Classify workers compensation benefits (medical, disability, death, rehabilitation) and state who pays each.

Reconcile commercial auto, crime and umbrella forms by naming the coverage gap each one fills.

Outline the agency's E&O exposure points across the sales, binding and renewal cycles.

Distinguish the agent's legal duties (standard of care, fiduciary duty, documentation) with a one-line example of each.

Build a client-file documentation checklist and apply it to 3 sample client interactions.

Summarize the agency income statement, balance sheet, and trust/escrow accounting rules.

Rank the core agency performance ratios (loss ratio, retention, commission, expense) and compute each from a sample statement.

Explain the steps and purpose of agency planning, budgeting and perpetuation.

Reconcile state licensing and continuing education obligations against the exam outline.

Rewrite every objective flagged as weak in weeks 1 through 6 as a flashcard and drill them.

Retake every previously missed question and record the underlying rule beside each.

Simulate the exam twice under timed, closed-book conditions.

Recite the ten highest-frequency concepts per domain aloud from memory.

Consolidate the error log into a single review sheet and stop studying 24 hours before the exam.