Top Insurance License Exam Tips
Are you a good test taker? Or, like many, do you cringe at the thought of having to pass an exam? Most people would agree that it can be stressful, takes time to study and prepare for the exam, and quite frankly, something they would rather not have to undergo.
I cringe at the thought of taking an exam!!
Preparing for the Test
Though it may seem somewhat overwhelming at first, preparing for and taking the state health and life insurance exam is NOT that difficult. In fact, most agents who take the exam admit that it was easier than they imagined. The reason was that they were prepared for the exam by learning and understanding the basic concepts of health and life insurance.
The concepts in health and life insurance are universal throughout the United States, even though each state enacts laws that govern its own insurance regulations. Having an understanding of the basic concepts allows you to answer questions logically.
While taking endless practice tests and memorizing dozens of definitions will help prepare you, understanding the core concepts within insurance is the key to passing the state exam.
Read, Reinforce and Repeat
Recognize that concepts may have multiple names
Understand the differences between similar concepts
Scheduling the Test
English is your second language
Taking the Test
Read each question fully and carefully
Be mindful of qualifiers
Insurance Exam Tips Tricks And Strategies
Alright! This is what you came to see. The shortcut method on how to pass the test without studying!
No. Unfortunately, this test will still take some time to study, but with these strategies, you will have much less of a chance to get tripped up while taking the exam.
Since this is a multiple choice exam, as opposed to an essay exam, you wont be writing any of your answers in sentences.
Penn State has a one page PDF with a great Approach to Multiple Choice Questions. Were going to throw their suggestions in with some of our own time-tested plans.
1. Read The Last Sentence First
When reading the questions, its easy to get tripped up in the details, especially if there are three or four sentences. Once you know what you are looking for, you will be able to better understand the rest of the question.
Reading the last sentence first will also help when the question seems to be a double negative or something similar.
2. Predict Your Answer Before Looking At The Choices
If you read the question, and think you know the answer, make a mental note so you can see if your answer is in the choices. If you were correct, great. If not, then keep following these steps.
3. Read All Of The Choices Before You Select An Answer
This is a lifesaver if you find yourself hurrying to beat the clock.
Keep in mind, that you shouldnt rush. This may be a timed test, but you have plenty of time to finish if you pace yourself.
4. Eliminate Any Answers That You Are Sure Are Wrong
Am I Ready For The Insurance Exam
If you have followed all of the steps that weve listed above, and feel confident that you know the information well, then yes, you are ready!
What if I dont feel ready?
As the testing day approaches, if you feel like you arent prepared, you can always reschedule for a later time.
You need to be honest with yourself before you make the call to reschedule. Ask yourself what the real reason is that you want to delay. Is it because you truly arent prepared, or is the anxiety of a looming deadline getting the best of you?
Either way, just be sure that you arent making decisions for the wrong reasons. Dont be afraid of the exam, its totally passable!
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Can You Fail A Life Insurance Exam
It is possible to fail a life insurance medical exam.
Most likely: Insurers may find out or believe that you have a life-threatening condition. If the discovery makes it likely youll die during the policy term, it doesnt make financial sense for them to insure you. You may get denied for life insurance.
Do I Need To Take A 2
If you are seeking a Florida 2-15 Health & Life Agent License you will need to take a 60-hour pre-license course with a Study Manual. to review more information about Exam Study Manuals. to order a copy of the Florida Health & Life Study Manual.
Some alternative options are acceptable to meet the prerequisite to applying for a 2-15 Health & Life Agent License. Review the information under Step 2 here for a complete list of options.
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Preparation Is The Key To Success
In order to plan effectively, we recommend making a study calendar. ExamFX offers a custom Virtual Study Calendar to help you create an individual study plan that fits your schedule. We recommend candidates study at least 40 hours for the Life and Health exam.
Set a study calendar that fits with your life and work schedule and do your best to stick to it. Ultimately, your success is going to depend on the amount of time and effort you put into studying.
Florida Insurance License Exam Locations
Southwest Florida has two testing facilities and they are both in Fort Myers. The nearest other testing facilities are in Sarasota and Fort Lauderdale.
Fort Myers I – Bank of America Building, 11691 Gateway Boulevard, Suite 200, Fort Myers, FL 33913
Fort Myers II Pearson Vue Test Center, 1220 Towne Lake Drive, Unit 40, Fort Myers, FL 33913
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Do Insurance Agents Make Good Money
The US Bureau of Labor Statistics reports that an insurance agent made $50,940 per year on average in 2019. The lowest 10% in the industry earned more like $28,000, and the highest 10% earned over $125,000. The way you earn your income differs depending on which company you work for and what kind of insurance you sell.
What Is A All Lines Adjuster
The term all-lines means the license covers all types of claims. An adjuster holding that license can handle any type of claim on behalf of an insurance company because it covers any line of coverage. These licenses are reciprocal with many other states, and can be used to bypass other state licensing exams.
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What Score Is Needed To Pass The Florida Insurance Exam
All Florida Insurance exams are multiple choice and require a 70% score to pass. All exams are administered on a computer at the testing center. You will be provided with a dry erase sheet of paper and an erasable marker to make notes.
The 2-15 Florida Health & Life Agent License exam is 165 questions. 150 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 105 questions correct to pass.
The 2-14 Florida Life Agent License exam is 100 questions. 85 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 60 questions correct to pass.
The 2-40 Florida Health Agent License exam is 100 questions. 85 questions are scored, while 15 questions are “pretest” or unscored questions. You must get 60 questions correct to pass.
Know The Exam Process
Not knowing what to expect on exam day can trip up students who are otherwise well prepared. The testing center can feel a little intimidating, so its good to have an idea of what will happen so you arent caught off guard. You should expect to put all of your belongings in a locker before you get assigned to a testing cubicle. When you get to your assigned test spot, an employee will explain the expected conduct to you. They are very alert to any suspicious signs of cheating, so be sure to follow their directions carefully. Learn more about the exam process here.The life and health insurance exam can be challenging however, you can pass on your first try by following these recommendations. Be sure to check out this video from Kaplans insurance experts, Julie Ramsey and Mary Orn, with moreinsurance licensing exam study tips.
If you are interested in Life and Health insurance exam prepfrom Kaplan, you can choose from our exam prep options here. We have a study package for every type of learner!
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Review Your Exam Results
This is highly recommended because you won’t have to second guess yourself the next time you see that question. Call PearsonVue at 1-888-274-2020 to schedule a date and time to review your exam results. Exam reviews are available within ninety days of your original examination date. You can view every question you got wrong along with the correct answer. There is no cost to review an exam, but you can only review the last exam attempt one time.
Which Texas Insurance Test Is The Toughest
The Property portion of the insurance exam is easier than the Casualty portion of the insurance exam . Property insurance deals with easy to understand issues fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp particularly if you have never been sued.
The state portion of the Texas insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.
This is a challenging exam. Put yourself on a strict schedule as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.
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Is Selling Health Insurance A Good Career Opportunity
Due to the low barriers of entry, insurance sales is a good career choice for people who are transitioning into a new career following a major life change. A college degree is preferred but is not required in many insurance firms. Unlike many other finance-related positions, prior experience is also not required.
What Kind Of Questions Do They Put On The Texas Insurance Test
A multiple choice test will usually test heavily on definitions and numbers .
The exam is drawn from a large pool of questions you will have a different set of questions than the person sitting next to you. If you retake the exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.
Students report that about 1/3 of the questions are terminology questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation .
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Free Ebook: Launching Your Insurance Career With Confidence
As an aspiring insurance professional, wouldnt it be great if you could sit down with a room full of successful insurance veterans and ask them for their advice? The Kaplan Financial Education team interviewed over 100 insurance professionals to develop this exclusive eBook for those who are considering the insurance industry.
Preparing For A Licensing Exam
The Indiana Department of Insurance , Pearson VUE and Ivy Tech Community College have teamed up to offer a comprehensive way for candidates to schedule and take their insurance licensing examinations, to make it as easy as possible and fair for all candidates.
The following are steps needed for preparing for an Indiana insurance licensing exam:
Step 1: Review the Examination Candidate Handbook
The Indiana Insurance Examination Candidate Handbook is a comprehensive guide to the policies and procedures for scheduling and taking IDOI insurance licensing examinations. Candidates should review the handbook prior to scheduling an exam and refer to the handbook for guidance on scheduling, rescheduling, and taking an exam.
Step 2: Complete Pre-licensing Education Requirements and Obtain a Certificate of Course Completion
Unless you qualify for a Waiver of Pre-Licensing Education or are taking an exam that does not require a course completion , you must complete a pre-licensing education course and obtain a course completion certificate in order to take an insurance licensing exam. You may search for approved Indiana pre-licensing education providers online through www.sircon.com/Indiana by selecting Look Up Education Courses/Credits and doing an Approved Courses Inquiry.
Step 3: Use the Exam Content Outline as a Basis of Study
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How Many Questions Are On The Texas Insurance Exam
Texas General Lines Property and Casualty150
The Texas Property and Casualty Adjuster exam has 150 questions. The break down is 150 scoreable questions on national/general Texas state specific content. Please note: In Texas, Adjusters can either go to an approved Adjuster school and pass the schools exam or they can prepare for, and pass, the Pearson VUE exam.
The Texas General Lines Life, Annuities and Health exam has 150 questions. The break down is 100 scoreable + 20 pretest questions on national/general content and 25 scoreable + 5 pretest questions on Texas state specific content.
The Texas Life Only exam has 100 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 35 scoreable + 5 pretest questions on Texas state specific content.
The Texas Personal Lines exam has 116 questions. The break down is 75 scoreable + 11 pretest questions on national/general content and 25 scoreable + 5 pretest questions on Texas state specific content.
Pretest questions do not count towards your score. You will not know what questions are real or pre-test questions when taking your exam. Its very possible the pre-test questions will not even be covered in the Test Content Outline. Its very important to know that these pre-test questions will be in your exam so you dont start second guessing yourself when you see a question that you have no idea how to answer .
Nevada Insurance Prelicensing Information
Complete an optional prelicensing course that helps prepare you to take and pass your licensing exam.
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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.
What Should I Bring To The Exam
- You must present one current unexpired ID. The name on the ID must exactly match the name on the exam registration. The identification must be government issued in English, and have a photo-bearing and a valid signature
- The confirmation number provided when the test reservation was made
- If needed, a translation dictionary. For “English as a second language” test-takers, foreign language translation dictionaries are allowed. They shall contain only word-for-word or phrase translations. Dictionaries containing definitions, explanations or handwritten notes are not allowed.
Calculators are not needed on the insurance exam.
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Choose A Top Exam Prep Provider
For over 25 years, ExamFX has helped millions of insurance professionals pass important licensing exams. As the market leader in licensing training, we know that the key to passing on the first attempt is high-quality, professional exam preparation.
Our prelicensing courses, including Life and Health, set the industry standard for exam prep. We offer OnDemand Videos and online learning through our interactive learning platform that are designed for all learning preferences.
We are so confident in our ability to help you reach your professional goals that we offer an industry-leading Pass Guarantee to our customers.
Learn more about how to prepare for the Life and Health insurance exam here.
I’ve Never Taken An Online Course Before What Is It Like
Online courses let you complete the material at your own learning pace. It lets you take the course when you have time instead of making time for the course.
Like a regular classroom course, this course consists of modules you must complete in order. The end of each module has a quiz, but you don’t need to pass the quiz to continue to the next module. There is a final exam, which consists of 150 questions, and you must receive a 70% or higher on it to complete the course. However, you may take the exam an unlimited number of times.
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How To Pass A Life Insurance Exam
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Passing a life insurance exam is an attainable goal if you take the necessary steps to get ready for it. Devote ample time to studying and understanding the relevant concepts before you make an exam appointment. Be sure to visit your state’s department of insurance website to get information on exam fees, pre-exam requirements, and the length of your exam. Preparing for the exam will be a lot of work, but you will reap great rewards by passing it.