https://www.estatepass.ai/real-estate-exam-questions/land-use-controls/a-property-surveyed-and-found-to-extend-over-a-neighbor-s-boundary/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q106.jpg?v=3 A property surveyed and found to extend over a neighbor's boundary line has created a/an: An encroachment is an unauthorized physical intrusion of a structure (fence, eave, driveway) onto adjoining property. Common trap: students call it an easement; an easement is a legal RIGHT to use, while an encroachment is a wrongful intrusion. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q106.mp4 37 2026-06-15T08:23:07.237Z yes no no EstatePass Education real estate exam real estate license land use controls exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/practice-of-real-estate/which-of-the-following-is-personal-property/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q89.jpg?v=3 Which of the following is personal property? Emblements — annual crops produced by labor (corn, wheat) — are treated as personal property even while attached to the land. Built-in appliances, timber, and pools are fixtures (real property). Common trap: students think anything attached to land is real property; emblements are an exception. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q89.mp4 34 2026-06-15T08:20:57.671Z yes no no EstatePass Education real estate exam real estate license practice of real estate exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/real-estate-math/the-amount-of-land-in-a-parcel-described-as-the-nw-1-4-of-the-sw-1-4/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q76.jpg?v=3 The amount of land in a parcel described as the "NW 1/4 of the SW 1/4 of Section 12" is: A section is 640 acres. 1/4 of 1/4 = 640 × 1/4 × 1/4 = 40 acres. Common trap: students multiply only once (160 acres) or forget a section contains 640 acres. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q76.mp4 31 2026-06-15T08:19:02.267Z yes no no EstatePass Education real estate exam real estate license real estate math exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/transfer-of-title/a-cooperative-co-op-owner-holds/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q72.jpg?v=3 A cooperative (co-op) owner holds: A co-op owner buys SHARES in the corporation that owns the building and receives a proprietary lease for their unit — they own personal property (stock), not real estate. Common trap: students think co-op owners hold real property title like condo owners; co-op ownership is stock + lease. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q72.mp4 25 2026-06-15T08:18:32.261Z yes no no EstatePass Education real estate exam real estate license transfer of title exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/financing/a-condominium-owner-owns/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q31.jpg?v=3 A condominium owner owns: A condo owner holds their individual unit in fee simple plus an undivided tenancy-in-common interest in the common areas. Owning stock + a proprietary lease describes a CO-OP. Common trap: students confuse condo ownership (real property + TIC common areas) with co-op ownership (stock + lease). https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q31.mp4 32 2026-06-15T08:13:01.413Z yes no no EstatePass Education real estate exam real estate license real estate financing exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/valuation/an-example-of-functional-obsolescence-is/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q2495.jpg?v=3 An example of functional obsolescence is: Functional obsolescence is a loss in value due to outdated design or features within the property, such as outdated plumbing, poor floor plan, or inadequate electrical systems. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q2495.mp4 26 2026-06-15T08:08:50.682Z yes no no EstatePass Education real estate exam real estate license valuation & appraisal exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/contracts/the-term-realtor-denotes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q675.jpg?v=3 The term “Realtor” denotes: Realtor is a trademark for members of the National Association of Realtors (NAR). https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q675.mp4 26 2026-06-15T07:59:13.546Z yes no no EstatePass Education real estate exam real estate license contracts exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/agency/recovery-trust-account-payments-max-per-transaction/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q197.jpg?v=3 Recovery Trust Account payments max per transaction: The Texas Recovery Trust Account pays maximum $50,000 per transaction and $100,000 per licensee. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q197.mp4 34 2026-06-15T07:56:02.558Z yes no no EstatePass Education real estate exam real estate license agency law exam prep study guide https://www.estatepass.ai/courses/mlo/videos/federal-laws-respa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-respa.webp RESPA: Reg X Essentials — MLO exam video lesson Apply Section 8 kickback rules, the $50 gift cap logic, and escrow/servicing disclosures. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-respa.mp4 2026-08-26T07:24:52.362Z 344 https://www.estatepass.ai/courses/mlo/videos/federal-laws-tila/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-tila.webp TILA & Reg Z Fundamentals — MLO exam video lesson Compute what goes into the finance charge and APR, and apply the right-of-rescission clock. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-tila.mp4 2026-08-26T07:24:52.362Z 338 https://www.estatepass.ai/courses/mlo/videos/federal-laws-trid/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-trid.webp TRID: LE & CD Timing — MLO exam video lesson Run the 3-day Loan Estimate, 7-day waiting, 3-day Closing Disclosure clocks and tolerance buckets. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-trid.mp4 2026-08-26T07:24:52.362Z 341 https://www.estatepass.ai/courses/mlo/videos/federal-laws-ecoa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-ecoa.webp ECOA & Reg B — MLO exam video lesson Name every protected class, the 30-day notice rules, and what may never be asked. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-ecoa.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/mlo/videos/federal-laws-hmda-fcra/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hmda-fcra.webp HMDA, FCRA & FACTA — MLO exam video lesson Cover LAR reporting purposes, adverse-action duties, and red-flag identity rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hmda-fcra.mp4 2026-08-26T07:24:52.362Z 350 https://www.estatepass.ai/courses/mlo/videos/federal-laws-glba-privacy/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-glba-privacy.webp GLBA Privacy & Safeguards — MLO exam video lesson Apply privacy notices, opt-outs and the Safeguards Rule to borrower data. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-glba-privacy.mp4 2026-08-26T07:24:52.362Z 374 https://www.estatepass.ai/courses/mlo/videos/federal-laws-safe-act/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-safe-act.webp The SAFE Act & Licensing — MLO exam video lesson Know MLO licensing triggers, unique identifier rules, and the 20-hour/8-hour education math. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-safe-act.mp4 2026-08-26T07:24:52.362Z 376 https://www.estatepass.ai/courses/mlo/videos/federal-laws-hpml-hoepa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hpml-hoepa.webp HPML, HOEPA & ATR/QM — MLO exam video lesson Separate high-priced from high-cost loans and apply ability-to-repay and QM tests. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hpml-hoepa.mp4 2026-08-26T07:24:52.362Z 368 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-loan-programs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-loan-programs.webp Conventional, FHA, VA & USDA — MLO exam video lesson Match borrower scenarios to the right program: down payment, MI, eligibility, limits. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-loan-programs.mp4 2026-08-26T07:24:52.362Z 360 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-arm-mechanics/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-arm-mechanics.webp ARMs: Index, Margin & Caps — MLO exam video lesson Compute a fully indexed rate and apply initial/periodic/lifetime caps. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-arm-mechanics.mp4 2026-08-26T07:24:52.362Z 341 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-mortgage-insurance/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-mortgage-insurance.webp PMI, MIP & Guarantees — MLO exam video lesson Contrast PMI cancellation rules with FHA MIP and VA funding fees. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-mortgage-insurance.mp4 2026-08-26T07:24:52.362Z 356 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-products-terms/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-products-terms.webp Products & Amortization — MLO exam video lesson Distinguish fixed, balloon, interest-only, reverse and construction loans and their amortization. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-products-terms.mp4 2026-08-26T07:24:52.362Z 359 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-note-security/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-note-security.webp The Note & Security Instrument — MLO exam video lesson Separate the promise to pay from the lien, and lien theory from title theory states. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-note-security.mp4 2026-08-26T07:24:52.362Z 338 https://www.estatepass.ai/courses/mlo/videos/origination-application-1003/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-application-1003.webp The 1003 Application — MLO exam video lesson Collect a complete URLA and know what makes an application "complete" under TRID. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-application-1003.mp4 2026-08-26T07:24:52.362Z 348 https://www.estatepass.ai/courses/mlo/videos/origination-qualification-ratios/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-qualification-ratios.webp DTI, LTV & Qualification Math — MLO exam video lesson Compute front/back DTI, LTV/CLTV, and qualifying income from paystubs to self-employment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-qualification-ratios.mp4 2026-08-26T07:24:52.362Z 361 https://www.estatepass.ai/courses/mlo/videos/origination-income-analysis/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-income-analysis.webp Income & Asset Analysis — MLO exam video lesson Average variable income correctly and source large deposits and gift funds. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-income-analysis.mp4 2026-08-26T07:24:52.362Z 352 https://www.estatepass.ai/courses/mlo/videos/origination-credit-underwriting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-credit-underwriting.webp Credit & Underwriting — MLO exam video lesson Read tradelines, derogatory events and waiting periods after BK/foreclosure. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-credit-underwriting.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/mlo/videos/origination-fees-worksheet/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-fees-worksheet.webp Rates, Points & Fees — MLO exam video lesson Price the loan: discount points, lender credits, buydowns and per-diem interest. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-fees-worksheet.mp4 2026-08-26T07:24:52.362Z 345 https://www.estatepass.ai/courses/mlo/videos/ethics-fraud-fraud-schemes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-ethics-fraud-fraud-schemes.webp Fraud for Housing vs Profit — MLO exam video lesson Recognize occupancy fraud, straw buyers, flipping schemes and air loans. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-ethics-fraud-fraud-schemes.mp4 2026-08-26T07:24:52.362Z 360 https://www.estatepass.ai/courses/mlo/videos/uniform-state-mlo-conduct/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-uniform-state-mlo-conduct.webp Prohibited Conduct & Records — MLO exam video lesson Apply advertising file, record-retention and surety-bond duties, and the prohibited-conduct list. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-uniform-state-mlo-conduct.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/appraiser/videos/uspap-std-1-2/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-std-1-2.webp Standards 1 & 2 — Appraiser exam video lesson Separate development (Std 1) from reporting (Std 2) and what each one demands. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-std-1-2.mp4 2026-08-26T07:24:51.919Z 358 https://www.estatepass.ai/courses/appraiser/videos/uspap-ethics-rule/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-ethics-rule.webp The Ethics Rule — Appraiser exam video lesson Apply conduct, management and confidentiality — including what a client may never buy. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-ethics-rule.mp4 2026-08-26T07:24:51.919Z 353 https://www.estatepass.ai/courses/appraiser/videos/uspap-assignment-conditions/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-assignment-conditions.webp Hypotheticals & Extraordinary Assumptions — Appraiser exam video lesson Tell a hypothetical condition from an extraordinary assumption and disclose each correctly. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-assignment-conditions.mp4 2026-08-26T07:24:51.919Z 358 https://www.estatepass.ai/courses/appraiser/videos/property-description-rights-encumbrances/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-rights-encumbrances.webp Rights, Estates & Encumbrances — Appraiser exam video lesson Sort fee simple, life estates, easements and liens — the bundle of rights on the exam. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-rights-encumbrances.mp4 2026-08-26T07:24:51.919Z 347 https://www.estatepass.ai/courses/appraiser/videos/property-description-zoning-hbu/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-zoning-hbu.webp Zoning & Highest and Best Use — Appraiser exam video lesson Run the four HBU tests in order and handle legal nonconforming uses. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-zoning-hbu.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/appraiser/videos/property-description-measurement-gla/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-measurement-gla.webp Measurement & GLA — Appraiser exam video lesson Compute GLA to standard: above grade only, measured to the exterior, basements excluded. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-measurement-gla.mp4 2026-08-26T07:24:51.919Z 347 https://www.estatepass.ai/courses/appraiser/videos/real-estate-market-economic-principles/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-economic-principles.webp The Economic Principles — Appraiser exam video lesson Apply substitution, anticipation, contribution and conformity — the why behind every approach. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-economic-principles.mp4 2026-08-26T07:24:51.919Z 356 https://www.estatepass.ai/courses/appraiser/videos/real-estate-market-market-conditions/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-market-conditions.webp Time Adjustments — Appraiser exam video lesson Extract market-conditions adjustments from paired sales and resale data. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-market-conditions.mp4 2026-08-26T07:24:51.919Z 344 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-comp-selection/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-comp-selection.webp Selecting & Verifying Comps — Appraiser exam video lesson Choose comparables by competitiveness, then verify facts with a party to the sale. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-comp-selection.mp4 2026-08-26T07:24:51.919Z 350 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-adjustment-mechanics/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-adjustment-mechanics.webp Adjustment Sequence & Mechanics — Appraiser exam video lesson Adjust the comp toward the subject, in the required order, watching net/gross ratios. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-adjustment-mechanics.mp4 2026-08-26T07:24:51.919Z 349 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-paired-data/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-paired-data.webp Paired Data Analysis — Appraiser exam video lesson Isolate one difference between sales to extract a defensible adjustment amount. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-paired-data.mp4 2026-08-26T07:24:51.919Z 331 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-cost-basis/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-cost-basis.webp Reproduction vs Replacement Cost — Appraiser exam video lesson Pick the right cost basis and the right estimating method for the assignment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-cost-basis.mp4 2026-08-26T07:24:51.919Z 357 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-physical-depreciation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-physical-depreciation.webp Physical Deterioration — Appraiser exam video lesson Split curable from incurable, short-lived from long-lived, and cost each correctly. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-physical-depreciation.mp4 2026-08-26T07:24:51.919Z 360 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-functional-obsolescence/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-functional-obsolescence.webp Functional Obsolescence — Appraiser exam video lesson Work superadequacy and deficiency problems, including cost-to-cure logic. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-functional-obsolescence.mp4 2026-08-26T07:24:51.919Z 370 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-age-life/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-age-life.webp Age-Life Depreciation — Appraiser exam video lesson Use effective age over total economic life — and know what maintenance does to effective age. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-age-life.mp4 2026-08-26T07:24:51.919Z 368 https://www.estatepass.ai/courses/appraiser/videos/income-approach-gross-income/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-gross-income.webp PGI, EGI & Vacancy — Appraiser exam video lesson Build the income statement top: potential gross, vacancy/collection, effective gross. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-gross-income.mp4 2026-08-26T07:24:51.919Z 360 https://www.estatepass.ai/courses/appraiser/videos/income-approach-expenses-noi/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-expenses-noi.webp Expenses & NOI — Appraiser exam video lesson Classify operating expenses, exclude debt service, and land on a clean NOI. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-expenses-noi.mp4 2026-08-26T07:24:51.919Z 367 https://www.estatepass.ai/courses/appraiser/videos/income-approach-direct-cap/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-direct-cap.webp Direct Capitalization — Appraiser exam video lesson Apply IRV, extract cap rates from sales, and build one by band of investment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-direct-cap.mp4 2026-08-26T07:24:51.919Z 364 https://www.estatepass.ai/courses/appraiser/videos/income-approach-grm-gim/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-grm-gim.webp GRM & GIM — Appraiser exam video lesson Value with gross rent/income multipliers and know when they mislead. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-grm-gim.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/appraiser/videos/reconciliation-weighting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-reconciliation-weighting.webp Reconciling to Final Value — Appraiser exam video lesson Weight the approaches by quality of data and relevance, and defend the final opinion. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-reconciliation-weighting.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/home-inspector/videos/site-grounds-grading-drainage/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-site-grounds-grading-drainage.webp Grading & Surface Drainage — NHIE exam video lesson Spot negative slope at the foundation and know how far and how fast grade must fall away. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-site-grounds-grading-drainage.mp4 2026-08-26T07:24:49.520Z 336 https://www.estatepass.ai/courses/home-inspector/videos/exterior-decks/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-exterior-decks.webp Decks, Porches & Balconies — NHIE exam video lesson Inspect ledger attachment, guards, stairs and footings — the deck-collapse checklist. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-exterior-decks.mp4 2026-08-26T07:24:49.520Z 340 https://www.estatepass.ai/courses/home-inspector/videos/roofing-asphalt/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-asphalt.webp Asphalt Shingles: Install & Aging — NHIE exam video lesson Judge exposure, nailing and aging indicators, and estimate remaining life of an asphalt roof. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-asphalt.mp4 2026-08-26T07:24:49.520Z 331 https://www.estatepass.ai/courses/home-inspector/videos/roofing-roof-ventilation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-roof-ventilation.webp Attic Ventilation & Net Free Area — NHIE exam video lesson Balance intake and exhaust, compute the 1/150–1/300 ratios, and spot short-circuited venting. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-roof-ventilation.mp4 2026-08-26T07:24:49.520Z 340 https://www.estatepass.ai/courses/home-inspector/videos/structural-foundation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-structural-foundation.webp Foundations & Crack Patterns — NHIE exam video lesson Match crack patterns to their causes and separate normal shrinkage from differential settlement. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-structural-foundation.mp4 2026-08-26T07:24:49.520Z 349 https://www.estatepass.ai/courses/home-inspector/videos/electrical-panels/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-panels.webp Panels: Bonding, Taps & Breaker Sizing — NHIE exam video lesson Catch neutral/ground violations, double-taps and breakers oversized for their conductors. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-panels.mp4 2026-08-26T07:24:49.520Z 337 https://www.estatepass.ai/courses/home-inspector/videos/electrical-gfci-afci/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-gfci-afci.webp GFCI & AFCI Protection — NHIE exam video lesson List every required GFCI/AFCI location and describe how each device is tested. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-gfci-afci.mp4 2026-08-26T07:24:49.520Z 353 https://www.estatepass.ai/courses/home-inspector/videos/plumbing-dwv/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-dwv.webp Drain, Waste & Vent Defects — NHIE exam video lesson Explain trap seals, slope and venting, and why an S-trap fails where a P-trap works. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-dwv.mp4 2026-08-26T07:24:49.520Z 343 https://www.estatepass.ai/courses/home-inspector/videos/plumbing-water-heater/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-water-heater.webp Water Heaters & TPR Discharge — NHIE exam video lesson Inspect TPR valves and discharge piping, combustion air, venting and seismic strapping. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-water-heater.mp4 2026-08-26T07:24:49.520Z 339 https://www.estatepass.ai/courses/home-inspector/videos/interior-stairs-guards/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-interior-stairs-guards.webp Stairs, Handrails & Guards — NHIE exam video lesson Apply the stair geometry numbers: rise, run, riser uniformity, rail height, sphere rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-interior-stairs-guards.mp4 2026-08-26T07:24:49.520Z 332 https://www.estatepass.ai/courses/part-107/videos/regulations-op-limits/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-op-limits.webp Operating Limits: 400 ft, 100 mph, 3 SM — Part 107 exam video lesson Recite the core numbers — altitude, groundspeed, visibility, cloud clearance, daylight — and their exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-op-limits.mp4 2026-08-26T07:24:50.510Z 365 https://www.estatepass.ai/courses/part-107/videos/regulations-registration-remoteid/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-registration-remoteid.webp Registration & Remote ID — Part 107 exam video lesson Register, mark and broadcast: the ownership and Remote ID duties for every sUAS. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-registration-remoteid.mp4 2026-08-26T07:24:50.510Z 353 https://www.estatepass.ai/courses/part-107/videos/regulations-accident-reporting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-accident-reporting.webp Accident Reporting: 10 Days — Part 107 exam video lesson Apply the FAA 10-day report triggers (serious injury / $500 damage) and NTSB rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-accident-reporting.mp4 2026-08-26T07:24:50.510Z 347 https://www.estatepass.ai/courses/part-107/videos/regulations-over-people/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-over-people.webp Operations Over People & Vehicles — Part 107 exam video lesson Sort Category 1–4 operations over people and the moving-vehicle restrictions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-over-people.mp4 2026-08-26T07:24:50.510Z 351 https://www.estatepass.ai/courses/part-107/videos/airspace-classes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-classes.webp Airspace Classes B Through G — Part 107 exam video lesson Describe each airspace class’s shape and rules and where sUAS need authorization. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-classes.mp4 2026-08-26T07:24:50.510Z 355 https://www.estatepass.ai/courses/part-107/videos/airspace-laanc/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-laanc.webp LAANC & Airspace Authorization — Part 107 exam video lesson Get controlled-airspace access through LAANC and read UASFM grid altitudes. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-laanc.mp4 2026-08-26T07:24:50.510Z 344 https://www.estatepass.ai/courses/part-107/videos/weather-metar/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-metar.webp Decoding METARs — Part 107 exam video lesson Decode a METAR element by element: wind, visibility, weather, clouds, temp/dewpoint. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-metar.mp4 2026-08-26T07:24:50.510Z 354 https://www.estatepass.ai/courses/part-107/videos/weather-minimums/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-minimums.webp Weather Minimums in Practice — Part 107 exam video lesson Apply 3 SM visibility and 500-below/2,000-horizontal cloud clearance to real scenarios. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-minimums.mp4 2026-08-26T07:24:50.510Z 332 https://www.estatepass.ai/courses/part-107/videos/operations-right-of-way/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-right-of-way.webp Right of Way: Yield to Everything — Part 107 exam video lesson Apply see-and-avoid: sUAS yield to all manned aircraft, always. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-right-of-way.mp4 2026-08-26T07:24:50.510Z 338 https://www.estatepass.ai/courses/part-107/videos/operations-adm/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-adm.webp ADM & Hazardous Attitudes — Part 107 exam video lesson Name the five hazardous attitudes with antidotes and run a risk-assessment loop. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-adm.mp4 2026-08-26T07:24:50.510Z 345 https://www.estatepass.ai/courses/notary/videos/ca-notary-law-appointment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-appointment.webp Appointment, Term & Filing — CA Notary exam video lesson Track the path to commission: qualifications, 4-year term, and the 30-day oath-and-bond filing. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-appointment.mp4 2026-08-26T07:24:51.445Z 341 https://www.estatepass.ai/courses/notary/videos/ca-notary-law-penalties/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-penalties.webp Penalties & Discipline — CA Notary exam video lesson Match violations to their civil and criminal penalties and Secretary of State actions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-penalties.mp4 2026-08-26T07:24:51.445Z 356 https://www.estatepass.ai/courses/notary/videos/notarial-acts-acknowledgment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-acknowledgment.webp Acknowledgments — CA Notary exam video lesson Execute the California all-purpose acknowledgment: who appears, what is verified, exact wording. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-acknowledgment.mp4 2026-08-26T07:24:51.445Z 346 https://www.estatepass.ai/courses/notary/videos/notarial-acts-jurat/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-jurat.webp Jurats & the Oath — CA Notary exam video lesson Administer the jurat correctly: signed in your presence plus a real oath, no exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-jurat.mp4 2026-08-26T07:24:51.445Z 341 https://www.estatepass.ai/courses/notary/videos/identification-acceptable-id/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-acceptable-id.webp Satisfactory Evidence of Identity — CA Notary exam video lesson Apply the ID list and the current-or-issued-within-5-years rule to every signer. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-acceptable-id.mp4 2026-08-26T07:24:51.445Z 363 https://www.estatepass.ai/courses/notary/videos/identification-credible-witness/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-credible-witness.webp Credible Witnesses — CA Notary exam video lesson Use one known or two unknown credible witnesses, each properly sworn, with the right disqualifiers. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-credible-witness.mp4 2026-08-26T07:24:51.445Z 344 https://www.estatepass.ai/courses/notary/videos/journal-certificates-journal-contents/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-journal-contents.webp The One Active Journal — CA Notary exam video lesson Keep sequential, complete journal entries — date, act, document, ID, fee, signature. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-journal-contents.mp4 2026-08-26T07:24:51.445Z 342 https://www.estatepass.ai/courses/notary/videos/journal-certificates-thumbprint/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-thumbprint.webp The Thumbprint Rule — CA Notary exam video lesson Take a journal thumbprint for deeds, quitclaims and powers of attorney — and only those. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-thumbprint.mp4 2026-08-26T07:24:51.445Z 338 https://www.estatepass.ai/courses/notary/videos/fees-bonds-misconduct-fee-caps/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-fee-caps.webp Maximum Fees — CA Notary exam video lesson Charge at most $15 per signature/acknowledgment and handle travel fees lawfully. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-fee-caps.mp4 2026-08-26T07:24:51.445Z 342 https://www.estatepass.ai/courses/notary/videos/fees-bonds-misconduct-conflicts/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-conflicts.webp Beneficial Interest & Refusal — CA Notary exam video lesson Refuse when you are a party or beneficiary, and know the narrow exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-conflicts.mp4 2026-08-26T07:24:51.445Z 351 https://www.estatepass.ai/insurance-license/videos/life-health/term-life-which-variable-moves/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-01-cover.webp Term Life: Which Variable Moves? — L&H Exam Video Lesson Find which variable holds and which one moves https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-01.mp4 2026-08-26T13:07:34.169Z 402 https://www.estatepass.ai/insurance-license/videos/life-health/whole-life-variants-sort-by-the-premium-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-02-cover.webp Whole Life Variants: Sort by the Premium Clock — L&H Exam Video Lesson Same benefit, different premium clock — sort by the clock https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-02.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/life-health/contract-traits-learn-the-consequence/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-01-cover.webp Contract Traits: Learn the Consequence — L&H Exam Video Lesson Each contract trait is really just one consequence https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-01.mp4 2026-08-26T13:07:34.169Z 401 https://www.estatepass.ai/insurance-license/videos/life-health/grace-reinstatement-and-the-two-year-line/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-02-cover.webp Grace, Reinstatement, and the Two-Year Line — L&H Exam Video Lesson Past two years, the insurer needs one of three exceptions https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-02.mp4 2026-08-26T13:07:34.169Z 407 https://www.estatepass.ai/insurance-license/videos/life-health/offer-acceptance-and-insurable-interest/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-01-cover.webp Offer, Acceptance, and Insurable Interest — L&H Exam Video Lesson The moment of issue fixes offer, interest, and materiality https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-01.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/life-health/receipts-delivery-and-the-free-look-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-02-cover.webp Receipts, Delivery, and the Free-Look Clock — L&H Exam Video Lesson Premium paid? Which receipt? Those two decide the claim https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-02.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/life-health/underwriting-sources-and-the-privacy-overlay/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-03-cover.webp Underwriting Sources and the Privacy Overlay — L&H Exam Video Lesson Four sources, four federal laws, one matching move https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-03.mp4 2026-08-26T13:07:34.169Z 394 https://www.estatepass.ai/insurance-license/videos/life-health/db-or-dc-who-eats-the-investment-loss/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-01-cover.webp DB or DC: Who Eats the Investment Loss — L&H Exam Video Lesson One question sorts every plan: who eats the loss https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-01.mp4 2026-08-26T13:07:34.169Z 397 https://www.estatepass.ai/insurance-license/videos/life-health/sponsor-map-401-k-sep-403-b-and-457-b/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-02-cover.webp Sponsor Map: 401(k), SEP, 403(b), and 457(b) — L&H Exam Video Lesson Match the employer to the plan before you read on https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-02.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/life-health/hmo-ppo-pos-cdhp-access-and-payment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-01-cover.webp HMO, PPO, POS, CDHP: Access and Payment — L&H Exam Video Lesson Two questions sort every managed care plan https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/life-health/metal-tiers-excepted-benefits-and-fixed-cash/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-02-cover.webp Metal Tiers, Excepted Benefits, and Fixed Cash — L&H Exam Video Lesson Some health products are not health insurance at all https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-02.mp4 2026-08-26T13:07:34.169Z 396 https://www.estatepass.ai/insurance-license/videos/life-health/mandatory-provisions-the-claims-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-01-cover.webp Mandatory Provisions: The Claims Clock — L&H Exam Video Lesson Twenty, fifteen, ninety — the clock every claim runs on https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/life-health/renewability-who-ends-it-who-prices-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-02-cover.webp Renewability: Who Ends It, Who Prices It — L&H Exam Video Lesson Two promises separate the top rung from all the rest https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-02.mp4 2026-08-26T13:07:34.169Z 398 https://www.estatepass.ai/insurance-license/videos/life-health/social-security-insured-status-and-timing/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-07-01-cover.webp Social Security: Insured Status and Timing — L&H Exam Video Lesson Forty credits, eight percent a year, and the eighty-five cap https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-07-01.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/life-health/disability-income-which-definition-governs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-08-01-cover.webp Disability Income: Which Definition Governs — L&H Exam Video Lesson The same injury pays or does not, depending on the test https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-08-01.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/life-health/application-to-delivery-when-coverage-starts/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-09-01-cover.webp Application to Delivery: When Coverage Starts — L&H Exam Video Lesson One question routes every effective-date problem you meet https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-09-01.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/property-casualty/homeowners-forms-and-the-a-through-f-structure/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-01-cover.webp Homeowners Forms and the A Through F Structure — P&C Exam Video Lesson Six letters, two peril triggers, one exam favorite https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-01.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/property-casualty/homeowners-endorsements-which-gap-which-fix/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-02-cover.webp Homeowners Endorsements: Which Gap, Which Fix — P&C Exam Video Lesson Match the gap to the endorsement — property or liability https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-02.mp4 2026-08-26T13:07:34.169Z 418 https://www.estatepass.ai/insurance-license/videos/property-casualty/the-dp-ladder-three-perils-to-open-perils/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-03-cover.webp The DP Ladder: Three Perils to Open Perils — P&C Exam Video Lesson Place every dwelling question on the right rung first https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-03.mp4 2026-08-26T13:07:34.169Z 417 https://www.estatepass.ai/insurance-license/videos/property-casualty/flood-earthquake-and-the-residual-market/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-04-cover.webp Flood, Earthquake, and the Residual Market — P&C Exam Video Lesson The perils your policy excludes, and who picks them up https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-04.mp4 2026-08-26T13:07:34.169Z 417 https://www.estatepass.ai/insurance-license/videos/property-casualty/cp-00-10-and-the-causes-of-loss-ladder/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-05-cover.webp CP 00 10 and the Causes of Loss Ladder — P&C Exam Video Lesson Two forms decide what is covered and against what https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-05.mp4 2026-08-26T13:07:34.169Z 406 https://www.estatepass.ai/insurance-license/videos/property-casualty/business-income-extra-expense-builders-risk/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-06-cover.webp Business Income, Extra Expense, Builders Risk — P&C Exam Video Lesson One form rebuilds the building, another replaces the income https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-06.mp4 2026-08-26T13:07:34.169Z 403 https://www.estatepass.ai/insurance-license/videos/property-casualty/whose-interest-bop-condo-and-floaters/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-07-cover.webp Whose Interest? BOP, Condo, and Floaters — P&C Exam Video Lesson Name the parties before you read a word of the coverage https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-07.mp4 2026-08-26T13:07:34.169Z 418 https://www.estatepass.ai/insurance-license/videos/property-casualty/valuation-acv-replacement-cost-functional/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-02-cover.webp Valuation: ACV, Replacement Cost, Functional — P&C Exam Video Lesson Name the valuation standard before you touch the arithmetic https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-02.mp4 2026-08-26T13:07:34.169Z 406 https://www.estatepass.ai/insurance-license/videos/property-casualty/coinsurance-math-carried-over-required/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-03-cover.webp Coinsurance Math: Carried Over Required — P&C Exam Video Lesson Carry too little and the formula makes you a co-insurer https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-03.mp4 2026-08-26T12:58:01.764Z 368 https://www.estatepass.ai/insurance-license/videos/property-casualty/contract-formation-and-insurable-interest/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-03-01-cover.webp Contract Formation and Insurable Interest — P&C Exam Video Lesson A paid-up policy on property you no longer own pays nothing https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-03-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/property-casualty/personal-auto-policy-six-parts-six-jobs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-01-cover.webp Personal Auto Policy: Six Parts, Six Jobs — P&C Exam Video Lesson Name the part first — most wrong answers are right rules https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/property-casualty/commercial-auto-symbols-forms-and-gaps/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-02-cover.webp Commercial Auto: Symbols, Forms, and Gaps — P&C Exam Video Lesson Symbols, forms, options — every grant sits in its own slot https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-02.mp4 2026-08-26T13:07:34.169Z 400 https://www.estatepass.ai/insurance-license/videos/property-casualty/the-liability-tower-cgl-umbrella-excess/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-03-cover.webp The Liability Tower: CGL, Umbrella, Excess — P&C Exam Video Lesson When the umbrella drops to the ground floor and pays first https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-03.mp4 2026-08-26T13:07:34.169Z 398 https://www.estatepass.ai/insurance-license/videos/property-casualty/claims-made-liability-three-dates-decide-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-04-cover.webp Claims-Made Liability: Three Dates Decide It — P&C Exam Video Lesson Retro date, act date, claim date — check all three https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-04.mp4 2026-08-26T13:07:34.169Z 401 https://www.estatepass.ai/insurance-license/videos/property-casualty/negligence-four-elements-one-real-question/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-01-cover.webp Negligence: Four Elements, One Real Question — P&C Exam Video Lesson Proving breach is not the same as winning the case https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-01.mp4 2026-08-26T13:07:34.169Z 397 https://www.estatepass.ai/insurance-license/videos/property-casualty/causation-but-for-risk-and-superseding/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-02-cover.webp Causation: But-For, Risk, and Superseding — P&C Exam Video Lesson Did it cause the harm, and is the harm chargeable? https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-02.mp4 2026-08-26T13:07:34.169Z 381 https://www.estatepass.ai/insurance-license/videos/property-casualty/section-v-definitions-that-decide-coverage/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-01-cover.webp Section V: Definitions That Decide Coverage — P&C Exam Video Lesson The claim is won in the definitions, not the exclusions https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-01.mp4 2026-08-26T13:07:34.169Z 389 https://www.estatepass.ai/insurance-license/videos/property-casualty/insureds-limits-and-the-claims-made-trigger/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-02-cover.webp Insureds, Limits, and the Claims-Made Trigger — P&C Exam Video Lesson Two aggregates, one sublimit, and a two-prong trigger https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-02.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/property-casualty/mccarran-ferguson-and-reverse-preemption/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-01-cover.webp McCarran-Ferguson and Reverse Preemption — P&C Exam Video Lesson When state insurance law beats a federal statute https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-01.mp4 2026-08-26T13:07:34.169Z 392 https://www.estatepass.ai/insurance-license/videos/property-casualty/naic-models-accreditation-and-solvency-oversight/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-02-cover.webp NAIC Models, Accreditation, and Solvency Oversight — P&C Exam Video Lesson Nonbinding models that every state ends up enacting https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-02.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-six-homeowners-forms-who-gets-which/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-01-cover.webp The Six Homeowners Forms: Who Gets Which — PL Exam Video Lesson Match the occupant to the form, the perils to the side https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-01.mp4 2026-08-26T13:07:34.169Z 367 https://www.estatepass.ai/insurance-license/videos/personal-lines/section-i-defaults-everything-keys-off-a/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-02-cover.webp Section I Defaults: Everything Keys Off A — PL Exam Video Lesson One limit on the declarations sets four more https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-02.mp4 2026-08-26T13:07:34.169Z 384 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-dwelling-program-occupancy-decides/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-02-01-cover.webp The Dwelling Program: Occupancy Decides — PL Exam Video Lesson Who lives there decides the program and the rate https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-02-01.mp4 2026-08-26T13:07:34.169Z 383 https://www.estatepass.ai/insurance-license/videos/personal-lines/your-covered-auto-two-definitions-run-the-pap/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-01-cover.webp Your Covered Auto: Two Definitions Run the PAP — PL Exam Video Lesson Label the car and the driver, then the answer falls out https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-01.mp4 2026-08-26T13:07:34.169Z 391 https://www.estatepass.ai/insurance-license/videos/personal-lines/part-a-limits-killers-and-borders/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-02-cover.webp Part A: Limits, Killers, and Borders — PL Exam Video Lesson Check the four coverage killers before any limits math https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-02.mp4 2026-08-26T13:07:34.169Z 382 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-umbrella-one-limit-over-every-line/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-04-01-cover.webp The Umbrella: One Limit Over Every Line — PL Exam Video Lesson One excess limit sitting over auto, home, and boat at once https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-04-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/personal-lines/floaters-vs-coverage-c-the-three-upgrades/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-05-01-cover.webp Floaters vs Coverage C: The Three Upgrades — PL Exam Video Lesson Open perils, worldwide, full value — what scheduling buys https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-05-01.mp4 2026-08-26T13:07:34.169Z 392 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-atv-gap-where-it-was-how-it-was-used/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-06-01-cover.webp The ATV Gap: Where It Was, How It Was Used — PL Exam Video Lesson Two policies, one ATV, and a gap the moment you leave the yard https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-06-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/personal-lines/nfip-the-federal-program-in-private-clothes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-07-01-cover.webp NFIP: The Federal Program in Private Clothes — PL Exam Video Lesson Whose name is on the policy, and whose money pays the claim https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-07-01.mp4 2026-08-26T13:07:34.169Z 405 https://www.estatepass.ai/insurance-license/videos/personal-lines/risk-concepts-name-it-then-place-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-08-01-cover.webp Risk Concepts: Name It, Then Place It — PL Exam Video Lesson Which quadrant an exposure lands in decides the technique https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-08-01.mp4 2026-08-26T13:07:34.169Z 400 https://www.estatepass.ai/ca/llqp/video-lessons/needs-beyond-income/ https://www.estatepass.ai/api/ca/llqp/lectures/needs-beyond-income/needs-beyond-income.webp A life insurance need is bigger than a paycheque Identify both income loss and the cost of unpaid work before discussing an amount of coverage. https://www.estatepass.ai/api/ca/llqp/lectures/needs-beyond-income/needs-beyond-income.mp4 144 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/term-length-and-conversion/ https://www.estatepass.ai/api/ca/llqp/lectures/term-length-and-conversion/term-length-and-conversion.webp Match the term to the life of the need Compare an initial term premium with the full period of a client’s protection need. https://www.estatepass.ai/api/ca/llqp/lectures/term-length-and-conversion/term-length-and-conversion.mp4 141 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/coverage-is-not-income/ https://www.estatepass.ai/api/ca/llqp/lectures/coverage-is-not-income/coverage-is-not-income.webp What existing benefits really cover Distinguish a payment-specific benefit from income replacement and comprehensive health coverage. https://www.estatepass.ai/api/ca/llqp/lectures/coverage-is-not-income/coverage-is-not-income.mp4 135 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/disability-definition/ https://www.estatepass.ai/api/ca/llqp/lectures/disability-definition/disability-definition.webp The words “own occupation” are not the whole contract Read the disability definition and other-work conditions together. https://www.estatepass.ai/api/ca/llqp/lectures/disability-definition/disability-definition.mp4 128 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/seg-fund-guarantee/ https://www.estatepass.ai/api/ca/llqp/lectures/seg-fund-guarantee/seg-fund-guarantee.webp A guarantee is not the same as account value Explain how withdrawals and contract terms can change a segregated fund guarantee. https://www.estatepass.ai/api/ca/llqp/lectures/seg-fund-guarantee/seg-fund-guarantee.mp4 162 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/risk-profile-is-a-conversation/ https://www.estatepass.ai/api/ca/llqp/lectures/risk-profile-is-a-conversation/risk-profile-is-a-conversation.webp The risk questionnaire is a starting point Resolve conflicts between a client’s stated risk tolerance and their actual behaviour. https://www.estatepass.ai/api/ca/llqp/lectures/risk-profile-is-a-conversation/risk-profile-is-a-conversation.mp4 121 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/beneficiary-control/ https://www.estatepass.ai/api/ca/llqp/lectures/beneficiary-control/beneficiary-control.webp Beneficiary choice changes policy control Explain the practical control difference between revocable and irrevocable designations. https://www.estatepass.ai/api/ca/llqp/lectures/beneficiary-control/beneficiary-control.mp4 133 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/client-story-and-consent/ https://www.estatepass.ai/api/ca/llqp/lectures/client-story-and-consent/client-story-and-consent.webp A good client story still needs permission Recognize privacy and accuracy obligations before using client information in marketing. https://www.estatepass.ai/api/ca/llqp/lectures/client-story-and-consent/client-story-and-consent.mp4 129 2026-09-25 no