Associate Commercial Insurance Underwriter (ACIU) study plan

Map the AU 300 decision-making framework into a one-page flowchart covering risk identification, data gathering, alternatives, selection, and monitoring.

Define 10 core underwriting terms (e.g., loss ratio, combined ratio, retention, ceded commission) in your own words and give a commercial example for each.

Complete 30 practice questions on underwriting decision-making and log every miss with the underlying concept.

Draft a 5-step checklist for evaluating a new commercial account using only AU 300 concepts.

Build a financial statement analysis template that computes liquidity, leverage, and profitability ratios from a sample commercial account.

Explain how to read a loss run: identify frequency, severity, trend, and reserve adequacy in a 300-word write-up.

Analyze three commercial property or liability exposures (e.g., fire, products liability, auto fleet) and match each to at least two underwriting information sources.

Complete 40 practice questions on account analysis and categorize errors by information source.

Compare three underwriting strategies (e.g., growth, retention, remediation) and list the conditions under which each is appropriate.

Apply a portfolio management lens: calculate premium concentration and loss ratio by segment for a mock book of 20 accounts.

Draft a 200-word recommendation for a renewal using strategy, pricing, and terms, citing at least three data points.

Complete 30 practice questions on underwriting strategy and review the rationale for each correct answer.

Choose CPCU 551 or 552 and outline the major coverage forms and key exclusions in a two-page comparison table.

Explain coinsurance, deductibles, and limits for commercial property (551) or occurrence/claims-made triggers and aggregate limits for liability (552).

Solve five coverage application scenarios (e.g., a business income loss, an additional insured claim) and show your reasoning.

Complete 40 practice questions in the elective and log any coverage gaps you discover.

Identify the five core ethical principles in insurance (e.g., integrity, objectivity, confidentiality) and give a workplace example of each.

Analyze three ethical dilemmas (e.g., pressure to ignore a loss trend, a conflict of interest in a broker relationship) using a structured decision model.

Write a 250-word personal code of conduct for underwriting decisions that references at least four principles.

Complete 25 practice questions on ethics and note any rule-based versus principle-based reasoning differences.

Re-take all missed questions from weeks 1–2 and achieve at least 80% accuracy on a 50-question mixed set.

Create 10 original flashcards that connect AU 300 decision steps to AU 301 account analysis techniques.

Perform a timed 45-minute case analysis of a commercial account, producing a one-page underwriting summary.

Review your error logs and rewrite any concept you still cannot explain in plain language.

Integrate strategy and coverage: for three mock accounts, recommend a strategy and the corresponding coverage structure.

Complete a 60-question timed practice exam covering AU 302 and your elective, and score at least 75%.

Review every missed question and write a one-sentence rule for each to prevent repeat errors.

Summarize the top five coverage pitfalls in your elective in a half-page checklist.

Complete two full-length timed practice exams (100 questions each) under exam conditions and score at least 80% on the second.

Review all error logs from weeks 1–7 and create a final one-page 'last look' sheet of formulas, coverage triggers, and ethical principles.

Rehearse explaining three complex underwriting decisions aloud in under two minutes each.

Confirm exam logistics (appointment, ID, environment) and set a final review schedule for the last 48 hours.