INS 21–23 Series – Insurance Fundamentals
The INS 21–23 Series is a foundational set of courses offered by The Institutes, designed to introduce professionals to core insurance principles, personal and commercial coverages, and industry operations. These modules serve as the building blocks for the AINS® designation and are widely used across underwriting, claims, customer service, and agency roles.
Who Should Take It
- New hires in insurance operations, underwriting, or claims
- Customer service representatives and account managers
- Agents and brokers seeking technical fluency
- Career changers entering the insurance field
- Professionals preparing for AINS®, CPCU®, or AU® designations
Course Breakdown
The series includes three standalone modules, each focused on a distinct area of insurance practice. Candidates may take them individually or as part of a broader credentialing path.
📚 INS 21 – Property and Liability Insurance Principles
- Risk management and insurance functions
- Legal concepts and contract structure
- Regulatory environment and insurer operations
🚗 INS 22 – Personal Insurance
- Auto, homeowners, and personal liability coverages
- Policy structure and underwriting considerations
- Claims handling and customer service implications
🏢 INS 23 – Commercial Insurance
- Commercial property, liability, and business income policies
- Risk evaluation and underwriting logic
- Claims scenarios and loss control strategies
💰 Cost Estimate
| Course | Cost | Notes |
|---|---|---|
| INS 21 | $250–$300 | Includes digital materials and exam access |
| INS 22 | $250–$300 | Personal lines focus |
| INS 23 | $250–$300 | Commercial lines focus |
Estimated Total Cost: $750–$900 for all three modules.
⏳ Time to Complete
- Each course: 4–6 weeks (self-paced)
- Full series: 3–4 months depending on schedule
- Delivery: Online via The Institutes Learning Center
📝 Exam Format
- Multiple-choice format
- Online proctored or remote testing
- Passing score: 70% or higher
- Retakes allowed with additional fee
🏛️ Certifying Body
The INS 21–23 Series is administered by The Institutes. These modules are often used as prerequisites or electives for designations like AINS®, CPCU®, and AU®. Completion may also fulfill CE requirements for licensed professionals in select states.
🔗 Where to Start
Visit The Institutes – Insurance Fundamentals to explore course options, register, and begin your credentialing journey.
