AE21 INSURANCE ADJUSTER LICENSE FINAL PAPER 2026 CERTIFICATION EVALUATION QUESTIONS AND SOLUTIONS GRADED A+

AE21 INSURANCE ADJUSTER LICENSE
FINAL PAPER 2026 CERTIFICATION
EVALUATION QUESTIONS AND SOLUTIONS
GRADED A+

●● 150.
Answer: How many questions are on the test?


●● Adjuster.
Answer: An individual who, as an independent contractor, or as an
employee of an independent contractor


- adjuster
- claim rep


●● Independent adjuster.
Answer: An individual who contracts as an independent contractor to an
adjusting/staffing company and handles claims for insurance companies.
Most IA's will not have draft authority and or decision making authority
regarding coverage issues. Paid per claim


- adjuster
- independent adjuster

, ●● Public adjuster.
Answer: Adjusters that represent the insured by negotiating claims with
the insurance company. PA's can be helpful at times when the insured is
not familiar with the insurance policy or claim procedures. If PA
represents an insured, the IA or staff adjuster cannot discuss the claims
with the insured and most direct all correspondence through the PA.


- public adjuster


●● Staff adjuster.
Answer: Adjusters who work exclusively for an insurance company.
Staff adjusters are usually full time employees dedicated to one
insurance carrier. Employees can be salaried with full benefits.


- staff adjuster
- public adjuster


●● Insured.
Answer: A person or organization covered by an insurance policy


●● Insurer.
Answer: Any insurance company or self insured. An organization or
entity that facilitates the pooling of funds and the payment of benefits