Property & Casualty Exam Prep 6, Proximate Cause and Concurrent Causation

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Proximate cause is the initial event in an unbroken chain that leads to a loss. - Damage from subsequent events is typically covered if the proximate cause was a covered peril. - Concurrent causation involves both a covered and an excluded peril contributing to a single loss. - Anti-concurrent causation clauses are used by insurers to exclude losses even when a covered peril was involved. - The windstorm-then-flood scenario is a classic exam trap testing your knowledge of these causation rules and exclusions. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep