Life Health Exam
Let’s talk about the Life Health Insurance exam. Each state has their own insurance exams, so the tests and requirements vary, However, the general topics covered on the exam, as well as the passing scores, are similar across all states. If you have a good understanding of the fundamentals and how the exam works, you are well on your way to passing the life and health insurance exam.
For life and health insurance exams, you will be tested on the following general topics:
Life insurance general knowledge
Life insurance policies
Policy riders and options in life insurance coverage
Life insurance tax issues
Annuities
Annuity policy tax issues
Health insurance general knowledge
Dental, individual, and group policies
Medical plans
Disability income
Special needs individual insurance
Health Maintenance Organizations (HMOs)
Health insurance tax issues
You will want to print out the State Exam Outline so you understand what material will be covered under each of these topics in your state and how it will be weighted on the exam.
The passing score for all state exams is 70%, and utilizing practice exams 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. This can be done by studying books and also listening to our audio insurance lessons. Many states also have a required classroom attendance. We recommend 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. Going on long walks and listening to our audio lessons will help prepare you for the exam
Study Tips
For our audio lessons we recommend listening in a quiet room or long pleasant walks in a relaxing environment. If you are studying books, or taking practice exams, try to remove distractions around you. It can be easy to get distracted by your phone, TV, or the Internet. For your brain to absorb new information, it is important that you do your best to avoid multitasking and stay focused on what you’re studying. You may find that setting a study schedule over a period of a few weeks will help you carve out time where you can solely focus on preparing for the exam.
Be sure to utilize practice exams. These will help you gauge how well you have absorbed the information in your studies and what areas you still need to work on. It is a good idea to take at least one practice exam while mimicking testing conditions. This will help you determine your use of time.
The life and health insurance exam can be challenging; however, you can pass with flying colors on your first try by following with diligent book study and listening to our audio lessons.