Frequently Asked Questions
The Burnham System consistently publishes revisions before the first day of the first exam period for each and every course study guide we offer.
We've been vigilant in that endeavor for over 30 years! And, in those 30 years, we've only once ever not updated a very small series of course study guides, due to numerous policy changes to a very specific, obscure government-based program.
Yes, ordering a study guide through our website, in PDF format, grants you access—at no additional charge—to a study guide's current revision, and all future revisions, if you re-download your PDF after we make a revision, and if, and only if, we still offer that study guide in our catalog. We do not provide revisions for products we have discontinued. Further, we reserve the right not to provide extra copies of products we have discontinued for re-download.
Example: If, for some reason you skip a test one year, the next year just re-download any PDF study guide you've purchased and you'll automatically get the latest revision.
The password for PDF files downloaded by you, from this website, is your user account email address, for logging in to this website, in all lowercase letters.
Example: If Jane Doe purchases, generates, and downloads a CPCU 500 study guide, in PDF format, from this website and her email address for logging in to this website is Jane.Doe@Example.com, her password to open PDF files which she downloads from this website would be email@example.com. If Jane got married, changed her last name to Smith, and then updated her login email address for this website to Jane.Smith@Example.com, from that point forward her password for any-and-all newly downloaded PDF files, which she obtained from this website, would be firstname.lastname@example.org.
If you are logged in, please open a support ticket on our Support Ticket page. If you are not logged in, please visit our Customer Service page. By using either method, we can quickly assign you a dedicated support representative, from one of our various departments, who is best suited to assist you.
Who provides Tech Support for your website?
Appfunction, an excellent tech support provider. Whose dedicated staff go above and beyond to assist customers with any-and-all questions. You can quickly reach them by visiting thier website www.Appfunction.com or emailing their support staff at Support@Appfunction.com or calling their office directly at +1 (512) 515-1569.
Yes, we offer narrated insurance exam preparation materials, in downloadable MP3 audio format, for a select number of our Core Audio Study Guides®.
Our Core Audio Study Guides® cover 57 courses; including AAI 81, AAI 82, AAI 83, AAI 87, AIAF 114, AIC 30, AIC 31, AIC 32, AIC 37, AIC 41, AIC 44, AIC-M 47, AIM 40, AIM 44, AINS 21, AINS 22, AINS 23, AINS 24, AIS 25, API 28, API 29, ARC 201, ARe 143, ARe 144, ARM 54, ARM 55, ARM 56, ASLI 163, ASLI 164, AU 60, AU 61, AU 62, AU-M 67, CPCU 500, CPCU 520, CPCU 530, CPCU 540, CPCU 551, CPCU 552, CPCU 553, CPCU 555, CPCU 556, CPCU 557, ERM 57, HS 300, HS 311, HS 313, HS 314, HS 319, HS 321, HS 323, HS 324, HS 325, HS 326, HS 328, HS 331, and HS 375.
Over the next 18 months we plan to offer even more audio study guides for virtually every course listed in our Store. Sign up for our newsletter, by clicking here, to stay informed and to learn which study guides will be receiving audio in 2018.
I do not see a price for “Audio” in your Store. How can I obtain an Audio Study Guide?
You can automatically obtain an audio study guide's entire collection of assignments—for FREE, in MP3 format—if you purchase or receive free, or, if you have purchased or received free, the full PDF version of one of our Core Audio Study Guides.*
* Only orders placed through BurnhamSystem.com or a partnering sales portal qualify.
Unlinke Android OS, iOS devices (iPads, iPhones, iPods, etc.) do not have a centralized folder to save PDF or MP3 files to.‡
‡ According to Apple's iOS specs, if you attempt to download a file using an iOS device's web browser app, it will only open and/or play a temporarily cached version of said file directly within the web browser app; and generally, only while you are connected to the Internet. That specification applies to any-and-all iOS web browser apps.
Here is a step-by-step guide to help you get around that problem:
- First, using your iOS device, visit the App Store to get an app called "Dropbox"; it's FREE.
- Once installed, open Dropbox and enter your Dropbox account credentials; if you do not have any Dropbox credentials, the Dropbox app will let you create a 'free' Dropbox account.
- After you open Dropbox, and after you log in to your Dropbox account, tap the app's upper left "•••" (dot dot dot) button; a menu will appear. After it appears, tap the "Create Folder" option, then type in a folder name—we suggest naming the folder "Burnham System"—and press "Done."
- Next, exit Dropbox, open the Safari web browser app, and log in to the BurnhamSystem.com website; then go to the My Downloadable Products section of your customer account. Once you're there, tap on the PDF or MP3 file you wish to generate and download. After the BurnhamSystem.com website generates the specified file, Safari should open that file in a new browser-tab. The PDF file you generate should, by default, automatically open, using Safari's basic built-in PDF-viewer. The MP3 file you generate should, by default, automatically begin playing, using Safari's basic built-in audio-player. If you are attempting to save an MP3 file to your iOS device, be sure to pause the audio narration—which begins playing automatically in Safari—before following the next step.
- After your PDF or MP3 file opens in a new Safari browser-tab, tap the "Activities" button (a.k.a., the "Share" button) to activate a swipeable "Activities" menu; the "Activities" button should look like a "" (box) with an "" (upward pointing arrow) poking out the top of it.
- Located on the second or third row, of the swipeable "Activities" menu, should be a "Save to Dropbox" option button; when you find it, tap it.
- After you tap the "Save to Dropbox" option, a pop-up window labeled "Save to Dropbox" will appear. Select the folder you want to save the PDF or MP3 file to—e.g., your "Burnham System" Dropbox folder—by tapping the folder's name, then tap the "Save" button.
- Now your PDF or MP3 will be saved into Dropbox for easy access! After you've saved your PDF or MP3 you can close the new Safari browser-tab, exit Safari, open Dropbox, and view your PDF or listen to your MP3.
- BONUS TIP: If you want to view a PDF or listen to an MP3 when you are not connected to the Internet, i.e., when you are offline, you'll want to set a few special settings within the Dropbox app. To accomplish that task, open Dropbox and navigate to the file you want offline access to. After you've found it, tap that file's "Options" button; the "Options" button should look like a "" (circle) with a "" (downward pointing chevron arrow) inside of it. A menu will appear; once it does, tap the menu item labeled "Make Available Offline" to set that file available for offline viewing and/or listening.
- SUPER BONUS TIP: If you open www.BurnhamSystem.com with your Safari web browser app, then tap the "Activities" button, then tap the "Add to Home Screen" option, you'll have one-tap access to this website any time you're connected to the Internet!
Below is a list of apps to help you save and easily view PDFs and listen to MP3s on your iOS device:
PLEASE NOTE: As of September 28th 2017, that method, of ‘saving a PDF or MP3 file from Safari to Dropbox,’ only works using Apple's Safari web browser app; other web browser apps, such as Google's Chrome web browser app for iOS, to the best of our knowledge, do not have the ability to utilize Dropbox's "Save to Dropbox" web browser menu-option.
If you'd like to make strikethrough markings, highlight text, or write annotations and notes on any of your PDF files that you've saved to your iOS device (iPhone, iPad, etc.), we suggest you get an app called "Foxit PDF"; it's FREE in the App Store.
- Once you've installed Foxit PDF, select the desired PDF file that you want to annotate—by opening the Dropbox app—to send it over to Foxit PDF. If you don't know how to save PDF files to Dropbox on your iOS device? Click here to learn How to Save PDF Files to your iOS Device.
- Next tap the Dropbox app's upper right "•••" (dot dot dot) button; a menu will appear; after it appears, tap on the "Export" option; another menu will appear; after it appears, tap on the "Open in..." option; a third menu will appear; after it appears, tap on the "Copy to Foxit PDF" option. Once you've exported/copied your PDF study guide from Dropbox to Foxit PDF, you'lll be able to open it using Foxit PDF.
- After you've opened the Foxit PDF app, you'll be able to easily write notes on your PDF's pages, highlight text, make strikethrough markings, and so much more.
HELPFUL TIP: If the Foxit PDF app asks you, ‘if you want to sign up for Foxit's ConnectedPDF service,’ you can simply press the "Skip" button; you do not have to sign up for Foxit's ConnectedPDF service to use the Foxit PDF app.
HELPFUL HINT: When using Foxit PDF, if you want to remove annotations (highlighted text, struck-through text, etc.), lightly tap an area that you've made notations on; that will cause a pop-up menu to appear; that menu will have several options, including an option to delete any notations you've made in said area.
If you want the ability to pick up where you last left off while listening to MP3 files on your iOS device (iPhone, iPad, etc.), we suggest you get an app called "CloudBeats"; it's FREE in the App Store.
CloudBeats has a great feature that allows you to link it to the Dropbox app. Once they're linked, you'll have easy access to any MP3 files you've saved to Dropbox. Best of all, CloudBeats has the ability to remember where you last left off when listening to MP3 audio files!
If you don't know how to save MP3 files to Dropbox on your iOS device? Click here to learn How to Save MP3 Files to your iOS Device.
CloudBeats also gives you the freedom to enjoy all the rich features embedded in every Burnham System MP3 audio study guide; e.g., you'll be able to view track titles and assignment numerations.
When I listen to one of your Audio Study Guides it cuts off after a few minutes. Why is that happening?
Please check your Internet connection to ensure that you are able to download files at a data transfer speed of at least 10 Mbps (megabits per second). And, please check your device's file storage space to ensure it has enough memory to store files as large as 70 MB (megabytes).
Our audio study guides—produced in MP3 format—generally contain 30 minutes of narration and are recorded in very high quality, leading to file sizes upwards of 70 MB. A file that size takes roughly 57 seconds—give or take 5 seconds—to download over an Internet connection transfer speed of 10 Mbps; roughly 17 seconds over a 50 Mbps connection; and roughly 7 seconds over a 100 Mbps connection.
If you do not have an Internet connection capable of downloading large files, or your device has run out of file storage space, there's a good chance you only downloaded a portion of an audio file, not the whole file, resulting in only a few minutes of an audio study guide's narration being saved to your device.
HELPFUL SIDE NOTE: 1 megabit (Mb) is 1/8 the size of 1 megabyte (MB). Thus, to download a 1 MB file—or to put it another way, an 8 Mb file—in 1 second, you'd need an Internet connection transfer speed of 8 megabits per second (Mbps). To download a 60 MB file—or to put it another way, a 480 Mb file—in 1 second, you'd need an Internet connection transfer speed of 480 Mbps.
No. However, you're welcome to burn copies of our MP3 study guides onto compact discs;  if you have access to a CD burner; and  if, and only if, you purchase(d) and/or legally obtain(ed) a PDF study guide and its corresponding MP3 assignments from this website.
Do you offer Free Samples of your MP3 Audio Study Guides?
Yes, to obtain a free sample audio study guide, please visit our Free Samples page. Once there, select one of our Core Audio Study Guides. Each sample contains narrations of a purchasable study guide's first assignment. After you make your selection and fill in all the required fields, press the Generate Sample Guide button. A button to download your sample audio study guide will appear after the MP3 file is generated.
Yes, you can purchase and download any of our Bound Book study guides in digitally downloadable, readable Portable Document Format (PDF). We even offer some study guides exclusively in PDF; usually at a discount.
NOTICE: PDF files generated through our website are encryption protected and watermarked with identifiable customer information. You can make digital notes on our PDF files, and save your annotations; you cannot print them, nor copy text from them to new digital documents.
The following list of known apps are capable of opening and annotating encryption protected PDF files:
- Foxit Reader — by Foxit for Windows
- Foxit PDF — by Foxit for iOS
- Foxit Reader — by Foxit for macOS
- ezPDF Reader Pro — by Unidocs for Android
Yes, we offer a free sample of each and every study guide available for purchase in our Store. Each sample contains The Burnham System's first assignment of the study guide and other material related to the study guide. Please visit our Free Samples page to grab yourself a sample PDF.
To view our guarantees and policies, click any one of the following links: Our Guarantees, Shipping Policy & Methods, Exchange Policy, Refund Policy. Or please visit our Customer Service page for more information.
Why are your Phone Hours only 1 PM - 6 PM EST?
Ray answers the phone himself and lives way, way off the coast of California. That means he starts his work day at 7 AM, his time, and covers the phone till noon. Then he hops off the phone and begins writing new materials from noon till night.
Conversely, this website gives you the freedom to place orders directly and securely, 24 hours a day, 7 days a week.
I bought the wrong item. Should I cancel my order or can I request an exchange?
If you wanted Item A, but accidentally bought Item B, then you should request an Item Exchange. Please attempt to contact Customer Service before 4:00 PM EST on the same day you placed your order.
Please see our Exchange Policy page for additional critical details.
Conversely, if you bought an item, but later decide that you do not want it, we can void (cancel) any order placed on a credit card, up to 24 hours, so long as none of the items in your order have shipped. To ensure that you receive a prompt refund—via void—please attempt to contact Customer Service before 4:00 PM EST on the same day you placed your order.
Can you void my order, if I decided I do not want any of my purchases?
Yes, generally, if you contact us within 24 hours of placing your order, and, if none of the items in your order have shipped, and, if none of the charges we applied agaist your credit card have cleared your financial institution, we can void the transaction. You will receive a refund notice, however your credit card will not be charged; we simply release any temporarily held funds. To ensure that you receive a prompt refund—via void—please attempt to contact Customer Service before 4:00 PM EST on the same day you placed your order.
I bought a few items I do not want. How do I get a refund for them?
If you bought a few items you did not want, or, you are not happy with some of the items you purchased, please contact Customer Service. We'd be happy to issue you a partial refund for any items you did not want.
Please see our Refund Policy page for additional critical details.
We offer a variety of promotional coupons and discounts. Please visit our Coupons & Discounts page to view our current discount offerings.
Example: Enter coupon code FAQsCoupon in Your Cart to get $13 off any product in our Store. Coupon is not valid with other offers or coupons. Offer is not valid for customers who work at companies that receive special agreement pricing or automatic discounts.
You may also go to our Contact Us page to request a special coupon, if none of our Coupons & Discounts page's offerings meet your needs. However, we make no guarantee that additional coupons—not listed on our Coupons & Discounts page—will be available upon request.
NOTICE: Unless otherwise stated, all of our coupons expire after 45 days. You may only use one coupon per order.
Yes, we do! We offer automatic discounts if your company has a special agreement with The Burnham System.
Getting an automatic discount is as simple as logging in to our website. If your email address is valid and your email address ends with a domain name matching the official website domain name owned by a company we have a special agreement with, after you log in to our website, all the prices in our Store will change to reflect your company's special agreement pricing.
Sure, here's a simple example to illustrate how our website's automatic discounting system works: The Burnham System has a special agreement with Example Insurance company, to sell them Bound Book study guides for $280 and PDF study guides for $180. If Rob, who works at Example Insurance company, logs in to our website with his company email address ending in @ExampleInsurance.com, for instance Rob.XYZ@ExampleInsurance.com, he sees all our Bound Book prices drop from $295 to $280, and all our PDF prices drop from $195 to $180.
Please have your company's decision maker, or an authorized agent at your company who is permitted to negotiate deals and contracts with suppliers, call or email Ray Burnham directly to learn how your company can qualify for special agreement pricing.
Contact information for The Burnham System and Ray Burnham is provided at the top and bottom of every webpage on our website. You may also contact us through our Contact Us page.
We do. "Like" us on Facebook at Facebook.com/BurnhamSystem to keep up to date with our latest offerings.
We've been known to tweet. "Follow" us on Twitter at Twitter.com/BurnhamSystem to keep up to date with our latest offerings.
Sure, if you are logged in to your user account, items that you place into your shopping cart will be saved automatically in Your Cart; up to 5 weeks.
No, we do not ship items outside of the United States. Please click here for more information regarding Our Shipping Policy & Methods.
Can my name and/or other information be altered on my receipt?
Before shipping your order we can alter your shipping address information. After shipping (processing) your order we cannot alter your shipping address information.
We cannot alter a receipt's billing address information once an order has been placed (is processing), nor after an order has been shipped (is complete).
Manually adjusting or tampering with a receipt's billing address information—including a customer's name—after it has been submitted to a customer's credit card processor would violate numerous contracts and agreements we have with Discover Card, MasterCard, Visa, American Express, and various other payment processing organizations.
However, we could provide you a refund or void your inaccurate order. Then you could provide us your updated name and/or other information and we could process a new order for you.
Can you change my shipping address before my order ships?
Yes, we can change your shipping address information, if you contact Customer Service before your order ships (is complete); usually at 4:00 PM EST on the same day you placed the order.
Can you change my shipping address after my order ships?
No, we cannot alter your shipping address information after your order has shipped (has processed).
Unlimited. You may download Sample PDF files and Purchased PDF files from this website as many times as you'd like, to as many devices as you'd like.
NOTICE: If you receive a refund for a PDF file that you have purchased from this website, the link to download said PDF file and all associated files—including MP3 files—will expire, permanently; you cannot download a refunded PDF file.
Yes, you can annotate and make notes on encryption protected PDF files that you download from our website, if you have a PDF Reader capable of annotation.
We recommend the following known apps for annotating encryption protected PDF files:
- Foxit Reader — by Foxit for Windows
- Foxit PDF — by Foxit for iOS
- Foxit Reader — by Foxit for macOS
- ezPDF Reader Pro — by Unidocs for Android
No, you cannot print a encryption protected PDF file because printing within our PDF files has been disabled. If you'd like to write notes directly on your study materials, please use your PDF Reader's annotate feature, or consider purchasing a Bound Book version. Please click here for more information regarding your User Digital Document Rights.
Why can't I Print my PDF download?
We give customers the option to buy printed materials (i.e., bound books), if that is their preferred method of studying. Other reasons included, but are not limited to, copyright laws pertaining to the distribution of digitally downloadable goods.
No, you cannot copy an encryption protected PDF file's text because text copying within our PDF files has been disabled. If you'd like to write notes directly on your study materials, please use your PDF Reader's annotate feature, or consider purchasing a Bound Book version. Please click here for more information regarding your User Digital Document Rights.
Generally no, you may not use your user account to buy a PDF, through our website, for another person. In general, PDF files are tied to the user account and email address of the person who placed the PDF order; however, there are exception to that rule; please contact Customer Service to find out what those exceptions may be.
Generally no, you may not use your user account to buy a PDF, through our website, for another person, nor for an employer, nor for an employee, nor for your boss, nor for a friend, nor for a family member. In general, PDF files are not tied to the person or entity that rendered payment. In general, PDF files are tied to the user account and email address of the person who placed the PDF order; however, there are exception to that rule; please contact Customer Service to find out what those exceptions may be.
Yes, your friend, your boss, one of your employees, or one of your family members is welcome to create a user account on our website, and then—with your permission—use your credit card to buy themselves a PDF. PDF files are not tied to the person or entity that rendered payment. PDF files are tied to the user account and email address of the person who placed the PDF order.
Most likely, the web browser app you are using to view and interact with our website does not support large file downloads (over 1.02 MB).
Here is a list web browsers that are known to suffer from the aforementioned problem:
- Internet Explorer for Windows
- Edge for Windows
- Safari for Windows
Whether you're using a Computer, Laptop, or Netbook, we recommend that you use Google's Chrome web browser app to view and interact with our website.
Chrome displays a richer, more vibrant rendition of our website than any other web browser we've compared it to. Chrome's built-in PDF Reader is very user-friendly and it does not "timeout" when downloading large PDF files, if connected to a solid WiFi connection.
Chrome is 100% FREE. Chrome is available for Windows, macOS, Android, Nook, and Kindle.
The Safari app for iOS Devices (iPad, iPhone, iPod, etc.) has a known download bug. In some instances, the bug will cause Safari to "timeout" when downloading PDF files larger than 1.02 MB* over a Internet connection slower than 10 Mbps. Often, the error reads, "Safari cannot open the page because the network connection was lost.".
To fix the problem, try switching to an Internet connection faster than 50 Mbps.
* Virtually all Burnham System study guides—in PDF format—are over 1.02 MB.
Kindle eReaders have a known issue that causes their built-in PDF viewing software to misinterpret some PDF files—especially files protected with heavy encryption—as Amazon DRM protected files. Since our PDF files are encryption protected, if you own a Kindle, Kindle Fire, Kindle Fire HD, Kindle Fire HDX, or any other eReader made by Amazon, there is a good chance you won't be able to open our PDF study guides, unless you download a 3rd party PDF viewing application.
Here is a list of known apps you can use to view PDF files on your Kindle:
Who created and licenses the PDF and MP3 generating software utilized by your company?
Appfunction, an app and website development company, with a flare for building the impossible ... using clever code and sheer determination.
Who created your website?
Appfunction, a mid-sized software development company. They offer a wide array of software and client services for every size business, including Mom & Pop companies and Enterprise Level businesses.
Who hosts your website?
Appfunction, an emerging hosting provider. They offer Enterprise Level eCommerce email, website, and cloud application hosting. They also host Mom & Pop eCommerce Shops, Blogs, Nonprofits, and websites of all sizes.
Does your website have an SSL Certificate?
We sure do! And, our website's SSL Certificate has a 256 bit encryption.
What is The Burnham System?
The Burnham System summarizes and outlines your texts to provide you concise, to-the-point, time-saving executive summaries. A Burnham System study guide packet in printed format averages 65 pages. Most study guides also provide, as bonuses, answers to the Review Questions, definitions of the Key Words, and a sample exam. Key Words are defined in standard text. Other new terms are defined in italics. The Burnham System executive summaries will cover at least 97% of the material on your exam. In most cases, The Burnham System usually covers 100% of the material on your exam.
Why use The Burnham System?
You'll pass. Guaranteed! Independent studies done at Carnegie-Mellon for the US Government compared retention of text material versus retention of text summaries. Students who studied text summaries consistently demonstrated improved retention, direct learning, inference learning, transfer learning, and recall and response times. Surveys from Burnham System patrons consistently show candidates cut their study time in half and have much higher pass rates, over 95%.
How can you guarantee I'll pass?
Ray's students' overall pass rate is by far the best in the business. Ray can guarantee you'll pass with The Burnham System ... because you will pass ... if you use The Burnham System.
What about The Burnham System's Pass Rates?
Ray hired a CPA firm to audit and certify his students' pass rates. Culliton and Fanning, LLC, CPAs determined Ray's patrons' averaged over a 97% pass rate during a six-year period. Ray works tirelessly every day to help his students pass (and save time in their studies).
Do I need to get the Institutes' textbooks too?
Yes, you'll need the Institutes' texts when you want greater details, both now and in the future. Buy the texts. They represent the distilled experience of the top experts in the insurance industry. If you are taking a course from The American College, its texts are included in your fee.
Do I need to take a class too?
Any extra preparation you do, in addition to using The Burnham System, will help. Try a class. Try The Burnham System. Use whatever tools you can find to help you achieve your goals.
Ray's guides average 65 pages per study guide, excluding bonus material.
In the past ten years, Ray has been told of exactly four individual questions that he did not cover in his basic material.
Among independent sources, only The Burnham System offers all the study guides for the CPCU, CLU, ChFC, REBC, RHU, AINS, or AIC, or any of the specific study guides for the API, AIM, ERM, ARM-P, RMPE, AU, AU-M, AAI, APA, AIAF, AMIM, AIT, ARe, AFSB, ASLI, ARC, ANFI, or CIC.
If you want to earn any of those designations and you want help—if you want to halve your study time or if you want to improve your chance of passing from about 70% to over 95%, (or both)—then you want The Burnham System.
How can I get more information before I buy The Burnham System?
First, you don't make any commitment when you order The Burnham System. Ray guarantees he will meet any standard of quality you set—or your money back. You don't buy it, you try it. Second, if you have a question, just call. We will be happy to help you. Third, nothing and no one can possibly describe The Burnham System better than The Burnham System itself. Order it. Use it. Then decide.
What qualifies you to teach CPCU, IIA, CLU, CIC, and other courses?
Ray is not a theory-only academician. Ray is an active participant in our industry and has dedicated his life's work to real insurance. When you use The Burnham System, you benefit from his experiences and accomplishments.
How many companies offer the RHU and REBC study guides?
Exactly one—The Burnham System.
Why did Ray create The Burnham System?
To help you learn quickly and to help you pass, the first time, every time. Ray created the very preparation tool he wishes he'd had when he prepared for the exams.
Which course or group of courses should I take ... and why?
- Consider if you want a better foundation in your current job, or for another job you may want in the future. Then take whichever courses relate directly to that work.
- Decide which areas of insurance education play to your strengths, then start with that course or group of courses first.
- If your manager has earned several designations, then your manager can offer you good advice.
- Call or email Ray; he'll be happy to advise you!
How can I Succeed in Insurance?
- If you want to succeed in insurance, you must continue your education.
- Use The Institutes' materials, they offer the best, learn-at-home, property-casualty study guides.
- Use The American College's materials, they offer the best, learn-at-home, life-health study guides anywhere.
- Use The National Alliance's materials, they offers the best live classes for CICs.
- Use the Burnham System. Our materials are the gold standard for CPCU/IIAs, CLU/ChFC/CASLs, and CICs.