CPCU Practice Test

The CPCU Practice Test is a free intermediate-level, 20-minute skill test from Science of Apps. It tests readiness for The Institutes' Chartered Property Casualty Underwriter (CPCU) courses and exams — risk management and insurance principles, insurance operations including underwriting, claims and reinsurance, insurance law and contracts, finance and accounting for insurers, and personal and commercial lines coverage — written to The Institutes' CPCU programme, ISO 31000, NAIC and Insurance Information Institute guidance and OpenStax Business Law for 2026. Coverage forms follow US practice; the principles apply widely. Score 70% or more on its 20 questions to earn a verifiable CPCU Readiness certificate (SOA-CPCU). Every question is based on published standards and research — including Insurance information and basics (Insurance Information Institute), Chartered Property Casualty Underwriter (CPCU) designation (The Institutes), Business Law I Essentials (OpenStax (Rice University)) — and each answer is explained with its source.

Yes. Science of Apps has a free CPCU Practice Test built on the current The Institutes exam outline for 2026 and 2027. It covers risk management and insurance principles, insurance operations, insurance law and contracts and finance, accounting and coverage, scores you instantly and issues a verifiable certificate.

Read the four skill areas on this page, then take the 20-minute test online — no fee, course or sign-up. You see every answer explained when you finish. Score 70% or more and you get a CPCU Readiness certificate straight away, on screen, as a PDF and by email, with a credential ID anyone can verify.

Yes. The questions are original scenarios written by Science of Apps, and each one is based on a public source you can read: Insurance information and basics (Insurance Information Institute); Chartered Property Casualty Underwriter (CPCU) designation (The Institutes); Business Law I Essentials (OpenStax (Rice University)); ISO 31000 Risk management (ISO); Reinsurance and insurance regulation (National Association of Insurance Commissioners). The source is shown under each question and linked in the answer review. Science of Apps doesn't copy questions from other tests.

Four skill areas with five questions each, drawn from a bank of 10 per area so a retake brings new questions: Risk Management and Insurance Principles (Risk management process, Insurable risk and Hazards); Insurance Operations (Underwriting, Claims and reserves and Reinsurance); Insurance Law and Contracts (Contract elements, Insurance contract features and Torts and agency); Finance, Accounting and Coverage (Insurer finance, Personal lines and Commercial lines). Every question is an original scenario written to the 2026–2027 standard, with the published source named under it.

Underwriter, Claims professional or adjuster, Insurance broker or agent, Risk manager and Insurance operations or actuarial analyst. It suits anyone who wants a quick, verifiable way to show CPCU knowledge in 2026 and 2027, from students and career switchers to experienced professionals.

Complete The Institutes' CPCU curriculum of core and concentration courses (personal or commercial insurance), pass each course exam, meet experience requirements and agree to the CPCU code of ethics. Most candidates take two to three years.

The loss ratio plus the expense ratio. A combined ratio below 100 percent means the insurer made an underwriting profit before investment income; above 100 percent means an underwriting loss.

No. It is an independent practice test written to the publicly available CPCU content outline for 2026 and 2027, for checking your readiness before you book the real exam. Passing earns a Science of Apps certificate rather than the official credential.

Yes. The test is online, in English and free everywhere — people take it from India, the US, the UK, Europe, Africa, Latin America and Asia-Pacific. Your certificate is dated with your own local date and can be verified from anywhere at scienceofapps.com/certification/verify/.

20 questions — 5 from each of 4 skill areas — with a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

We rate it Intermediate: assumes hands-on experience in the role. It has 20 scenario questions — 5 from each of 4 skill areas — and a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

Nothing. There is no fee to take a test, to receive the certificate, to have it emailed or to verify it, and no sign-up.

On our server, not in your browser. The answers never reach the page until you submit, so a certificate can only be earned by passing. Each certificate gets a unique credential ID stored by Science of Apps.

You see your score for each area and every question with the correct answer and why, with the published source behind it. You can retake after 30 minutes, and the retake draws questions you haven't seen yet.

No. Every certificate is dated, so it always shows when you passed. Retake a test any time for a newer date or a higher score.

Yes. After you pass, Add to LinkedIn opens the Licenses & certifications form with the certificate name, Science of Apps as the issuer, the issue date, your credential ID and the verification link filled in. You can also download it as a PDF or PNG, and it's emailed to you as a PDF.

Every certificate has a credential ID and a QR code. Scanning it, or entering the ID at scienceofapps.com/certification/verify/, shows the holder's name, the certification, the score and the issue date from our records.

No. They are Science of Apps' own assessments of applied skill. They aren't issued by a university or standards body, and they work best alongside a portfolio that shows the skills in real work.