Iran Insurance Agent Exam study plan

Define risk, uncertainty, and insurable interest in your own words and classify ten everyday risks as pure or speculative.

Distinguish the three main branches of Iranian insurance practice (life, property, liability) and state which regulator oversees each.

Explain the mechanism of risk pooling and premium calculation using one worked numeric example with a loss frequency and severity assumption.

List the core principles (indemnity, subrogation, utmost good faith, proximate cause, contribution) and match each to a short scenario.

Map the roles of the regulator, the insurer, the agent, and the policyholder across the insurance contract lifecycle.

Identify which principles are legally binding versus customary in the Iranian market and justify your classification.

Explain how a contract is formed (offer, acceptance, consideration, insurable interest) using a sample life policy.

Distinguish void, voidable, and unenforceable contracts and apply each label to two hypothetical policy situations.

Summarize the supervisory framework governing insurers and agents and name the main statutory instruments you must know.

Describe the licensing pathway for an insurance agency, including renewal and continuing-education expectations.

Explain the agent's duties of disclosure, record-keeping, and segregation of client premiums.

Outline the complaint and dispute-resolution route available to a policyholder.

Distinguish life, endowment, term, and annuity products and state the core benefit structure of each.

Explain how underwriting factors (age, health, occupation, sum insured) affect acceptance and premium in life insurance.

Describe the treatment of suicide, misrepresentation, and non-payment of premium within the contestability period.

Compare personal accident and health cover to life cover on benefit trigger and claim evidence.

Explain the fire peril, allied perils, and the standard exclusions in a property fire policy.

Distinguish reinstatement value, indemnity value, and agreed value and calculate a claim payout under each for one worked example.

Apply the average (underinsurance) clause and demonstrate its effect on a partial-loss settlement.

Describe the underwriting information required for commercial property, including occupancy and fire-protection features.

Explain business interruption cover and how the indemnity period is set.

Explain compulsory third-party motor liability and the scope of bodily-injury cover it provides.

Distinguish third-party liability from own-damage cover and state what each pays for.

Describe how liability limits, deductibles, and no-claim discounts interact in a motor premium.

Apply the concept of negligence and proximate cause to two collision scenarios and decide which policy responds.

Outline the role of the motor third-party liability fund where the at-fault driver is uninsured or unidentified.

Build a needs-analysis script that matches a client profile to a suitable product and documents the recommendation.

Draft responses to three common objections (price, distrust, procrastination) that stay within ethical selling limits.

List the agent conduct rules on disclosure of commission, comparison claims, and client-data handling.

Describe the claim notification, documentation, survey, and settlement sequence for a property claim.

Explain the purpose of reinsurance and distinguish proportional (quota share, surplus) from non-proportional (excess of loss) treaties.

Complete a full timed mock exam and score each of the seven domains separately.

Re-teach your two weakest domains by writing a one-page summary from memory, then checking it against your notes.

Re-drill all numeric question types: average clause, indemnity value, premium calculation, and liability limits.

Finalize a one-page pre-exam review sheet of formulas, key definitions, and regulatory references.