Insurance Life And Health Exam

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How to Pass the Life & Health State Exam | Insurance License
  • Before registering for your exam, have the following ready:
  • Legal name, address, Social Security number, and daytime telephone number. This information must be entered correctly to avoid issues with your scores being uploaded to your license application when you apply. Errors will cause a delay in processing your exam scores to our licensing application system.
  • If applicable, the school code or name of the school where you completed your pre-licensing training this information is found on the prelicensing education certificate you received when you completed the course
  • The name of the examination
  • The preferred examination date and test center location find a full list of available test sites by using this online tool
  • A way to pay the exam fee electronically
  • The examination fee can be paid by credit card, debit card, or voucher
  • To pay by voucher, you must purchase one in advance via Pearson VUEs website when scheduling a test, simply indicate voucher as your payment method and provide the voucher number. Please note that all vouchers are pre-paid and they are non-refundable and non-returnable.
  • What Type Of Skills Do I Need

    Since insurance agents determine the needs of their clients, excellent analytical skills are a big plus. Insurance agents regularly talk with clients, youll need to be a very skilled communicator. You need to be self-confident and be willing to take the initiative since youll be seeking out new clients.

    Check out Mometrix’s Life & Health Study Guide

    Get practice questions, video tutorials, and detailed study lessons

    Don’t Forget Your Guarantee Exam

    ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you dont pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

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    What Is On The Life And Health Insurance License Exam

    The information covered in the life and health insurance exam varies by state. Taking a licensing exam is often the first major milestone on the journey to become an insurance agent. A life and health insurance license is one of the most popular, given the demand for specialists in this type of insurance.

    Testable areas of all insurance exams include the benefits of insurance, how to work with clients, and state and federal regulations. There are also specific policies, provisions, and regulations that pertain to individual lines of insurance that are tested on the life or health insurance exam.

    • Legal and tax implications of health insurance premiums, benefits, and withdrawals

    Each state also includes questions about regulations that licensed insurance agents must follow. These often include laws related to insurance contracts, definitions of terms, the regulatory authority in the state , general regulations, licensing requirements, and continuing education.


    What Is On The Life And Health Insurance Exam

    Pin on study tools.

    The content of your exam is contingent on the states specific regulations and the line of products you are looking to sell. There are examination content outlines available per state, and while there will be some variation, there is a shared basic structure.

    You are asked to understand the concept of the insurance, how it can vary or become customized with policy riders or tax considerations, and how it is fulfilled to the insured.

    For this example, we are looking at a life and health insurance exam content outline.

    Typically, there are two sections of the exam: general knowledge and state-specific:

    In general knowledge, you will also be expected to understand the types of policy riders, provisions, options and exclusions that can modify a policy. In this section, you will also have to demonstrate an understanding of the application and the underwriting practices needed to deliver the policy.

    In state-specific, you will find questions pertaining to state statutes, rules and regulations common to life and health insurance, including insurance definitions, licensing requirements, marketing practices, and agent responsibilities.

    The life and health insurance license exam has around 100-150 questions and you will need to complete the exam in around 2.5 to 3 hours. The number of questions and allowable time limit often depend on your states requirement of the exam.

    Visit our How to Get Your insurance License page to see the entire outline of your states exam.

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    Schedule Your License Exam

    First Schedule Your License Examination

    PSI Services LLC, a California-based company providing state-based regulatory licensure services, handles the scheduling of examinations for individuals licensed by the California Department of Insurance’s Producer Licensing Bureau. Instructions for scheduling examinations are posted on PSI’s Examination Scheduling Service. Individuals may schedule their examinations with PSI either online or by telephone.

    On the day of the examination, you should arrive at least 30 minutes before your scheduled examination. This extra time is for sign-in and identification verification.If you arrive late, you will not be admitted to the examination site and you will forfeit your examination registration fee. Time waivers are not allowed.

    Beware!! Cheating is a crime . . .

    Willfully cheating or subverting a license examination is punishable by a fine not to exceed $10,000 or imprisonment not to exceed one year per Section 1681.5 of the California Insurance Code.

    FLASH Online Application

    New Applicants

    The California Department of Insurance requires California resident applicants to first pass the qualifying license examination prior to submitting their license application.

    Your Social Security Number and last name are mandatory fields. Your Social Security Number is necessary to access your file within the California Department of Insurance’s database. The database is a secure site and all information transferred is encrypted.

    Mail-In Application

    What Will The Texas Life And Health Insurance Exam Questions Look Like

    All Texas insurance exams are multiple-choice and delivered via computer. The questions you will encounter on the life and health exam in Texas are pulled for each individual test-taker by Pearson VUE from their databank of thousands of questions. In other words, each exam is different and created for each individual test taker.

    This is why it is so important to understand the concepts found in the exam outline to successfully answer any question you encounter on the exam. Below you will find a few sample life and health exam questions pulled directly from our Texas life and health insurance exam prep course, which are similar to those you will encounter on the exam:

    Life Sample Questions:

    Ralph Macchio owns a 30-pay life policy that he purchased at the age of 30. The cash value will equal the face amount of the policy when he reaches the age of:

    A. 60D. 100

    Answer: DExplanation: Limited-pay life insurance policies such as life paid up at 65, or 20-pay life are simply variations of whole life policies. The cash value will equal the face amount of the policy at the maturity of the policy, which is always age 100 on whole life policies. These limited-pay policies are designed so that the insured may pay his or her premiums faster and be paid up at a certain age. However, just because the premiums are paid up doesnt mean the policy has matured.

    Dividend projections may be included in a proposal for life insurance when which of the following is true?

    Health Sample Questions:

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    Life And Health Insurance Exam

    You will be able to sell and advertise life and health insurance products for an insurance company after you must have carefully studied your insurance courses and passed the life and health insurance exam.

    Many states provide these lines individually or as part of a joint exam.

    It is mandatory to choose between being a health insurance agent, a life insurance agent, or a professional in both. Since a lot of clients want to get health and life insurance coverage simultaneously, being able to manage the two types of policies might be beneficial to your future business and also to an insurance producer.

    Pass Rates And Recommended Study Time

    Pass Your Life and Health Insurance Exam on the First Try (Passed in 4 days)

    From what we know, insurance exam pass rates fluctuate considerably by state. Some states publish their pass rates while others do not, making it impossible to offer an accurate national pass rate for any exam. Nevertheless, the passing score for all exams is 70%, and utilizingexam study tools can help you gauge whether or not you are on target to pass on the first try.

    The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam. It is recommended that you do your studying over the course of a few weeks , rather than trying to cram the week of or night before the exam. We recommend spending 2 to 3 days studying after your licensing course to keep the information fresh in your mind.

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    What Is The Examfx Guarantee Exam

    ExamFX is so confident in our training program that we guarantee users who successfully complete the Guarantee Exam will pass their licensing exam on their first attempt! If you do not pass your licensing exam within three days after scoring 80% or higher on the Guarantee Exam, we will refund the cost of your course. It is that simple. Some restrictions may apply.

    How Do I Get My Life And Health Insurance License

    Each state has different qualifications to successfully earn insurance licenses, but the most common first stage is preparing for the states examination.

    For example, to begin the process in Michigan, you must apply for a license with the National Insurance Producer Registry. This can be online or in-person and costs $15 for each type of business you plan to sell. The application lasts for six months.

    During this time, prospective agents will enroll in specific education courses, tailored to the content expected on the exam. Each pre-licensing course will be worth a set amount of credit hours. In Michigan, completion of Life, Accident, and Health coursework requires forty hours and is awarded a certificate necessary for taking the exam.

    Recommended Course

    For pre-license education products and courses , StateRequirement recommends:Kaplan Education Company

    From there, prospective life and health insurance agents in Michigan can attempt the exam for a fee of $40 per attempt.

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    Once I Pass How Do I Go About Getting My Texas Life And Health Insurance License

    The TDI will issue an insurance license to individuals who:

    Are at least eighteen years old Have passed the proper licensing examination and submit a completed application within twelve months after the exam is passed Submit a completed application with fee, and fingerprint receipt Met all applicable license requirements Have not committed an act for which a license may be denied, as defined under §4005.101 of the Texas Insurance Code and §1.502 of 28 Texas Administrative Code

    You can apply electronically for your license as directed at after you have passed the exam. As mentioned above, your exam score report is only valid for 12 months from the date of issuance. If you dont apply for your license within 12 months, the licensing exam must be taken again.

    Do I Have To Get Both Licenses

    Exam Cram (Pearson): Life and Health Insurance License Exam Cram ...

    You can get your health insurance license independently of your life insurance license, and vice versa. Most new agents elect to get them at the same time based on their opportunity to write both lines of business for the same client.

    States can also group life and health lines together into a single pre-license course and exam. It is recommended to check with the particulars of your state to confirm what securing each license permits you to sell.

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    Take Your Exam And Receive Your Results

  • On exam day, report to the test center 30 minutes before the examination and check in with the test center administrator be prepared to furnish two types of valid ID detailed in Step 5
  • Before taking the exam, youll have an opportunity to take a tutorial on the computer to get familiar with the way the exam is administered. Once you feel comfortable, you can start the exam.
  • The time allotted for your specific exam begins the moment you look at the first question.
  • If you havent completed the exam within the allotted time, the examination unit will automatically turn off.
  • You will leave the test center with your official score in hand. If its pass, you can move onto Step 7. If its fail, you need to go back to Step 4.
  • Once you’ve submitted all the required materials, documentation and information, we will review your application
  • If there is an issue with your application, we will contact you via email.
  • If you have not provided the required documents, you are required to attach those documents to your application in NIPR or Sircon. Emailed or mailed documents will not be attached to your application.
  • If your application is approved, we will email your license to you via Sircon’s automated system
  • Processing times may vary, but the average turnaround time is 14 business days
  • Agent licenses must be renewed every two years
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    How Do I Renew My Life And Health Insurance License

    Each state has different steps and requirements necessary to complete the renewal of a specific insurance license. Most states have a renewal period of about two years and have renewal fees ranging from $15 $200 per line.

    All states also require the completion of continuing education courses in order to renew your license. The average number of hours to be completed is sixteen thirty hours per line. These courses must be completed prior to your licenses date of expiration or a penalty fine will be added to your renewal fee.

    Take An Exam Prep Review Course

    Health Insurance : How to Pass the Life & Health Insurance Exam

    While not all states require it, it is a good idea to take a prelicensing education course for your life and health insurance licensing exam. Not only will it help you make sense of the material, but it will help you prioritize and stay on track with your study calendar. With Kaplan, you can choose from traditional live classes, online courses, or printed books for self-study. No matter which study option you choose, youll receive the License Exam Manual , State Law Supplement, a QBank containing hundreds of practice questions, and access to an expert instructor.

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    How To Do Well On A Life Insurance Medical Exam

    While you can’t overhaul your health overnight, you can make a few minor tweaks for a short period before your exam to ensure you’re in the best possible condition for your exam. The following tips could help you during your exam.

    • Be open and honest: Being transparent about any health conditions can help you avoid delays or claims of fraud in the future.
    • Eat healthy foods: At least a week before your insurance exam, avoid processed foods that are heavy in sodium and sugar, as they can raise your blood pressure and cholesterol levels.
    • Keep hydrated: It’s wise to drink several glasses of water daily for the week leading up to the exam. Healthy water intake will help flush out the toxins that can show up in your blood or urine sample. It’s also recommended to avoid alcohol which can dehydrate you, and caffeinated coffee, which affects your blood pressure.
    • Fast before your test: Like many medical labs, some insurance providers want you to fast for eight hours before your test. It’s a good idea since eating can affect your cholesterol and glucose levels.
    • Don’t exercise: Strenuous workouts can cause your blood pressure to rise, potentially leading to a false reading during your medical exam. Try to avoid exercise the day before your exam.

    How Can I Prepare For The Life And Health Insurance Test

    Thats a great question. Weve broken down the answer into three parts.

  • Do yourself a favor and study. Do not walk in unprepared. We have recommended prep materials below, but that only helps if you actually try. Plus, studying is actually proven to be the best antidote to test anxiety.
  • Take care of yourself. Make sure youre eating well, exercising, and sleeping. All of these things are scientifically linked to brain performance. If you take care of your body, youll be helping your grades.
  • Get a study guide or set of flashcards. Some people study better a certain way. Find your study strengths and make the most of them. Weve tried to make it easy for you by tracking down the best study guide and flashcard set for your exam. Below youll see links to both!
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