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Life and Health Insurance License Exam Cram Paperback – December 13, 2004

ISBN-13: 978-0789732606 ISBN-10: 0789732602 Edition: 1st

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Product Details

  • Paperback: 600 pages
  • Publisher: Pearson IT Certification; 1 edition (December 13, 2004)
  • Language: English
  • ISBN-10: 0789732602
  • ISBN-13: 978-0789732606
  • Product Dimensions: 6 x 1.4 x 8.9 inches
  • Shipping Weight: 1.8 pounds (View shipping rates and policies)
  • Average Customer Review: 4.0 out of 5 stars  See all reviews (64 customer reviews)
  • Amazon Best Sellers Rank: #51,965 in Books (See Top 100 in Books)

Editorial Reviews

About the Author

Author Bio


The BISYS Group, Inc. (NYSE: BSG), headquartered in New York City, provides solutions that enable insurance companies, investment firms, and banks to expand their businesses and run their operations more profitably. BISYS currently supports more than 22,000 domestic and international financial institutions and corporate clients through several business units.

BISYS Education Services is the nation's premier provider of licensing preparation, continuing education, and professional development courses for life, health, long-term care, annuity, and property-casualty insurance products as well as investments. This unit complements its education services with a comprehensive compliance management solution that supports insurance and investment firms and professionals with a sophisticated suite of services that automate the entire licensing process.

BISYS Insurance Services is the nation's largest independent distributor of life insurance and provider of support services required to sell traditional and variable life and annuity products as well as long-term care and disability insurance. This unit is also the nation's second largest independent wholesale distributor of commercial property/casualty insurance.

BISYS Investment Services group provides administration and distribution services for approximately 380 clients, representing more than 2,200 mutual funds, hedge funds, private equity funds, and other alternative investment products, with approximately $750 billion in assets under administration. It also provides retirement services to more than 18,000 companies in partnership with 40 of the nation's leading banks and investment management companies and offers analytical research and competitive information through its Financial Research Corporation (FRC) subsidiary.

BISYS' Information Services group supports approximately 1,450 banks, insurance companies, and corporations with industry-leading information processing and imaging solutions, turnkey asset retention solutions, and specialized corporate banking solutions. Additional information is available at http://www.bisys.com.

Eric Alan Anderson is Director of Insurance Education for BISYS Education Services, based in Indianapolis, Indiana. He has almost 25 years of experience creating training and test preparation materials for the financial services industry. In addition to authoring 17 insurance training texts and editing 8 others, he has written newsletters and magazine articles and has developed materials for audio cassette/workbook, videotape, computer disk, and the Web. He has also taught basic English skills courses at the college level and has made presentations to national conferences of insurance associations.

Matt McClure is Editor of Life/Health Products for BISYS Education Services. He maintains 42 titles on BISYS Education Services' course list, including the Life/Health Concepts license preparation text and its supplementary review materials. Formerly a freelance writer and editor, his work has appeared in numerous nationally published books and magazines. He is a licensed life and health insurance producer.

Richard A. Morin, CIC, is a contract author based in Los Angeles, California. He has 35 years of experience writing and training on a broad range of subjects for the financial services industry. For several years he was an editor for a major insurance training publisher, and he has also worked as an insurance underwriter, a rating supervisor, and a licensed insurance and mutual fund sales representative.

© Copyright Pearson Education. All rights reserved.

Excerpt. © Reprinted by permission. All rights reserved.



Welcome to Life and Health Insurance Licensing Exam Cram 2! Whether this is your first or your fifteenth Exam Cram 2 series book, you'll find information here that will help ensure your success as you pursue knowledge, experience, and certification. This introduction explains state insurance licensing programs in general and talks about how the Exam Cram 2 series can help you prepare for your state insurance licensing exam. Chapters 1 through 19 are designed to remind you of everything you need to know in order to take—and pass—your state insurance licensing exam. The two sample tests at the end of the book should give you a reasonably accurate assessment of your knowledge—and, yes, we provide the answers and their explanations to the tests. Read the book and understand the material, and you stand a very good chance of passing the test.

Exam Cram 2 books help you understand and appreciate the subjects and materials you need to pass state insurance licensing exams. Exam Cram 2 books are aimed strictly at test preparation and review. They do not teach you everything you need to know to pass the exam. Instead, we present and dissect the questions and problems I've found that you're likely to encounter on a test. I've worked to bring together as much information as possible about state insurance licensing exams.

Nevertheless, to completely prepare yourself for any state insurance licensing test, we recommend that you begin by taking the Self-Assessment that is included in this book, immediately following this introduction. The Self-Assessment tool will help you evaluate your knowledge base against the requirements for a state insurance licensing exam under both ideal and real circumstances.

Based on what you learn from the Self-Assessment, you might decide to begin your studies with some more comprehensive self-study or classroom training, some practice with state insurance exam simulators, or an audio review program. On the other hand, you might decide to pick up and read one of the many study guides available from third-party vendors on certain topics. We also recommend that you supplement your study program with a visit to your state insurance department's website to get all the details about how to get your insurance license as well as how to schedule and take your insurance licensing exam.

Getting an Insurance License

Licensing is the way governments assure that only qualified individuals are allowed to practice certain important professions, such as being an insurance producer. Because insurance is regulated primarily at the state level, the rules for getting an insurance license vary somewhat from state to state.

Every state requires individuals to pass a qualification exam to get an insurance license. In addition, most states require individuals to meet a prelicensing education requirement before they can take the qualification exam. In some states, the prelicensing education requirement can be met through an approved self-study course—that is, you buy a book that has been approved in advance by the state insurance department and take an exam (not to be confused with the licensing qualification exam) that you send in to be graded. In other states, the prelicensing education requirement can be met only by attending an approved classroom course.

Note - This Exam Cram text is not approved to meet the prelicensing education requirement in any state. It is designed only as a supplementary aid to help you pass the state insurance licensing exam.

Besides fulfilling any prelicensing education requirement and passing the licensing exam, insurance license candidates must also submit a license application to their state insurance department and have it approved. In some states, the license application must be submitted before taking the license qualification exam; in some states, it must be submitted after passing the exam. Call your state insurance department's licensing division or visit its website to find out what you need to do in your state.

Taking a Licensing Exam

As with other aspects of insurance licensing, specific instructions on how to register for your qualification exam are available from the insurance department. Ask for a licensing information bulletin or a licensing candidate handbook, which will describe where and when exams are given, the fees you must pay, and the testing procedures.

One thing all state insurance qualification exams have in common is that they are closed-book exams. You will not be allowed to take any study materials or notes into the testing room. Even phones and calculators might not be allowed. In some states, the only items exam candidates are permitted to take into the testing room are their wallet and keys.

In most states, insurance qualification exams are given on computers. However, you will not need any computer or typing skills to take the exam. You will be instructed on how to answer questions and given a short practice test to get comfortable with the equipment before the actual qualification exam begins.

When you complete a computer-administered exam, the software tells you immediately whether you passed or failed. Your states will have its own rules for retesting in the event you don't pass. Those rules will be described in your licensing information bulletin/candidate handbook.

How to Prepare for an Exam

Whether or not your state has a prelicensing education requirement, you'll want to study in preparation for the license qualification exam. And even if your state has a prelicensing education requirement, you'll probably want to do some additional studying to make sure you are fully prepared for the exam. Your options for additional study include the following:

  • Self-study courses—Publishers such as BISYS Education Services offer courses designed to allow you to study on your own for the licensing qualification exam. BISYS license training packages are available in either web-based or print-based formats and contain a number of components:

    • A Property-Casualty Concepts text, which covers all the non–state-specific topics on the licensing exam

    • Practice exams, which help you evaluate your comprehension of the material in the Concepts text

    • Explanations to answers on the practice exams, so you know why each of your responses was right or wrong

    • A state insurance law digest, which covers all the state-specific topics on the licensing exam

    • An optional audio CD review program, which reviews the key information contained in the Concepts text

    • An optional exam simulator, which gives you additional question-and-answer practice over the material covered in the Concepts text and the state insurance law digest

  • Classroom training—Many colleges and commercial training companies offer classroom training for insurance license exams. Although classroom training generally costs considerably more than self-study, some individuals find that they learn best in a classroom situation. And of course, in many states, the prelicensing education requirement must be met with classroom study in any case.

  • Other sources—There's no shortage of materials available on insurance topics. The "Need to Know More?" resource appendix at the end of this book will give you an idea of where we think you should look for further discussion.

In addition, you will surely find Que Publishing's Exam Cram 2 insurance licensing preparation materials useful in your quest for insurance knowledge. Exam Cram 2 books provide you with a review of the essential information you need to know to pass the tests. They focus on the detailed information in the Concepts texts available from BISYS Education Services. Together, the BISYS Education Services license training packages and the Exam Cram 2 review materials create a powerful exam preparation program.

This set of required and recommended materials represents an unparalleled collection of sources and resources for insurance licensing qualification and related topics. Our hope is you'll find that this book belongs in that company.

What This Book Will Not Do

This book by itself will not teach you everything you need to know to pass your insurance licensing exam. It does not cover the state-specific topics that appear on the exam, usually dealing with laws that apply only in your particular state. That information, although it represents a small proportion of the entire exam, is critical to passing the exam. State-specific topics are covered in the state insurance law digests available from BISYS Education Services. This book reviews the rest of what you need to know before you take the test, with the fundamental purpose dedicated to reviewing the non–state-specific information on the insurance licensing exam.

What This Book Is Designed to Do

This book uses a variety of teaching and memorization techniques to analyze the exam-related topics and to provide you with ways to input, index, and retrieve what you need to know in order to pass the test.

This book is designed to be read as a pointer to the areas of knowledge on the test. In other words, you may want to read the book through once to get an insight into how comprehensive your knowledge of insurance is. The book is also designed to be read shortly before you go for the actual test and to give you a distillation of the topics covered by the exam in as few pages as possible. We think you can use this book to get a sense of the underlying context of any topic in the chapters—or to skim-read for Exam Alerts, bulleted points, summaries, and topic headings.

We draw on material from each state's exam outlines and from other preparation guides, in particular, BISYS Education Services' Property-Casualty Concepts text. Our aim is to walk you through the knowledge you will need and point out those things that are important for the exam (Exam Alerts, practice questions, and so on).

We demystify insurance jargon, acronyms, terms, and concepts. Also, wherever we think you're likely to blur past an important concept, we define the assumptions and premises behind that concept.

About This Book

We structured the topics in this book to build on one another. Therefore, the topics covered in later chapters might refer to previous discussions in earlier chapters. We suggest you read this book from front to back.

After you read the book, you can brush up on a certain area by using the Index or the Table of Contents to go straight to the topics and questions you want to reexamine. We use headings and subheadings to provide outline information about each given topic. After you pass the exam and obtain your insurance license, we think you'll find this book useful as a tightly focused reference and an essential foundation of insurance information.

Chapter Formats

Each Exam Cram 2 chapter follows a regular structure, with graphical cues about especially important or useful material. The structure of a typical chapter is as follows:

  • Opening hotlists—Each chapter begins with lists of the terms you need to understand and the concepts you need to master before you can be fully conversant with the chapter's subject matter.

  • Topical coverage—After the opening hotlists, each chapter covers the topics related to the chapter's subject.

  • Alerts—Throughout the topical coverage section, we highlight material most likely to appear on the exam by using a special Exam Alert layout that looks like this:

    Caution - This is what an Exam Alert looks like. An Exam Alert stresses concepts or terms that will most likely appear in one or more license exam questions. For that reason, we think any information found offset in Exam Alert format is worthy of special attention.

    Even if material isn't flagged as an Exam Alert, all the content in this book is associated in some way with test-related material. What appears in the chapter content is critical knowledge.

  • Notes—This book is an overall examination of entry-level insurance knowledge. As such, we touch on many aspects of insurance that open doors for further inquiry. Where a topic goes deeper than the scope of the book, we use notes to indicate areas of concern or further training.

    Note - Cramming for an exam will get you through a test, but it won't make you a fully competent insurance professional. Although you can memorize just the facts you need in order to become licensed, your daily work in the field will rapidly put you in water over your head if you don't continue your insurance education.

  • Tips—Besides Alerts and Notes, we also include tips to help you remember or distinguish certain information that may appear on your license exam.

    Tip - Pay special attention to Tips because they provide you with various techniques that may improve your exam score!

  • Exam Prep Questions—This section presents a short list of multiple-choice test questions related to the specific chapter topic. Each question has a following explanation of both correct and incorrect answers. The practice questions highlight the areas we found to be most important on the exam.

  • Need to Know More?—At the end of the book is a section titled "Need to Know More?" This section provides pointers to resources that we found to be helpful in offering further details on the book's subject matter. If you find a resource you like in this collection, use it, but don't feel compelled to use all these resources. We use this section to recommend resources that we have used on a regular basis, so none of the recommendations will be a waste of your time or money. These resources may go out of print or be taken down (in the case of websites), so we reference widely accepted resources.

The bulk of the book follows this chapter structure, but there are a few other elements that we would like to point out:

  • Practice Exams—The sample tests, which appear in Chapters 25 and 27 (with answer keys in Chapters 26 and 28), are intended to test your comprehension of the material in this book. They are also intended to be in a similar format and degree of difficulty as the questions you are likely to see on the license exam. However, because the questions on the actual exam are kept highly confidential, you should expect that the questions on the actual license exam will be ones that you have never seen before.

  • Answer Key—These provide the answers to the sample tests, complete with explanations of both the correct responses and the incorrect responses.

  • Glossary—This is an extensive glossary of important terms used in this book.

  • Cram Sheet—This appears as a tear-away sheet inside the front cover of this Exam Cram 2 book. It is a valuable tool that represents a collection of the most difficult-to-remember facts, terms, and concepts we think you should memorize before taking the test.

    You might want to look at the Cram Sheet in your car or in the lobby of the testing center just before you walk into the testing center. The Cram Sheet is divided under headings, so you can review the appropriate parts just before each test.

  • CD-ROM—The CD contains the BISYS Education Services Exam Simulator, Preview Edition software. The preview edition exhibits most of the functionality of the commercially available version, but offers a reduced number of unit review questions and a 25-question practice exam. To get the complete set of practice questions and 100-question exam functionality, visit http://www.bisyseducation.com or call 800-241-9095.

Contacting the Source

Life and Health Insurance Licensing Exam Cram 2 is a real-world tool that you can use to prepare for and pass your state insurance licensing exam. We're interested in any feedback you would care to share about the book, especially if you have ideas about how we can improve it for future test-takers. We'll consider everything you say carefully and will respond to all reasonable suggestions and comments. You can reach us via email at customerservice@bisys-education.com.

Let us know if you found this book to be helpful in your preparation efforts. We'd also like to know how you felt about your chances of passing the exam before you read the book and then after you read the book. Of course, we'd love to hear that you passed the exam—and even if you just want to share your triumph, we'd be happy to hear from you.

Thanks for choosing us as your license exam preparation coach, and enjoy the book. We wish you luck on the exam, but we know that if you read through all the chapters and work with the product, you won't need luck—you'll pass the test on the strength of real knowledge!

© Copyright Pearson Education. All rights reserved.

Customer Reviews

Very detailed and well laid out.
Jonathan R. Edmonson
I have emailed the publishers twice about these problems with no reply.
Kisha S. Williams
The example questions are great and the CD helps out a lot!

Most Helpful Customer Reviews

23 of 23 people found the following review helpful By K. Feldman on January 6, 2008
Format: Paperback
When I decided to make a career change, I didn't have the luxury of taking a lot of courses and time to study. I needed to jump right in and start working as an assistant. I couldn't without my Group 1 license. I finished the book in one week, practiced the tests on the CD and passed the exam the first time.

The book is an easy read, although there are a couple of technical areas which could use a little more depth. The chapter tests help point out areas to review and the CD was a big help going back over the entire book.

All in all, it was worth the price.
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26 of 28 people found the following review helpful By Robert E. Rodarte on August 21, 2006
Format: Paperback
In regard to "Exam Cram, Life and Health" I would recommend this book to my adult children if they want to pass the California exam. In addition to being a great test preparation book, I was able to get my computer to read the book to me, by using Adobe and Microsoft text-to-speech programming, which is free to the general public. This book was much better than the text provided by the school. It even includes information needed to open my own business.

Good luck, Bob.
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15 of 15 people found the following review helpful By L. Murphy on January 5, 2007
Format: Paperback
It coverd the same stuff as my course material, but in some cases it was easier to understand and it had additional test questions included to help me study. I passed the test the first time.
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9 of 9 people found the following review helpful By Ari Rubin on December 28, 2008
Format: Paperback Verified Purchase
Exam Cram's Life and Health insurance license exam book is an excellent supplemental learning tool that I used as a companion text along with the course I took to prepare for the California exam. I went through a popular online course as an alternative to class room instruction, and since the text for the course was completely online I wanted to have a hard copy text to study as well. This book seemed like the best choice.

I got the book a couple of days before my test date, and before going through it I wasn't as confident. However, the book is structured well, written clearly, and written to emphasize the most important facts needed to pass the exam, instead of minutiae. By the day of the test I still was a little concerned due to the volume of information covered but much more confident than I had been before getting the book. The test was moderately difficult, but I was among the first to finish. I think I may have finished before any of the other Life and Health exam takers, and I did indeed pass (I have been told that many people don't pass on their first try with that exam). I'm not entirely sure I would have been successful without the book; I know for a fact that I wouldn't have finished as quickly without it. Some have criticized this book for not having state specific information in it, but I don't find that criticism to be all that valid. The information presented in the book may not have been written specifically for California, but the content was almost identical to the content of my California-specific online course. Additionally, very few of the questions on the exam were specific to California anyway. I highly recommend this book based on personal experience. I have also purchased the Property and Casualty Exam Cram book but have yet to take that exam.
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11 of 13 people found the following review helpful By Haw'n Iron on February 15, 2008
Format: Paperback
great format and actually interesting to read. This subject cant be broken down and organized any better. Each topic explained well, and given quick examples, which makes it much easier to understand. Short exams after each chapter, which helps reinforce your learning. CD included to practice like the actual exam - what else could you want.
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8 of 9 people found the following review helpful By Darryl W. Mitchell on January 9, 2007
Format: Paperback
I have several different resources I'm using to study for my life insurance test and what I was looking for was a book that could give me a feel for the insurance business as a producer and one who really likes helping people. This book does that and more and makes you understand what a great field this is and how you can make peoples lives better by providing this service. You have to go for it and this book can help you for sure. Great book!
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4 of 4 people found the following review helpful By Dove Roberts on December 5, 2013
Format: Kindle Edition Verified Purchase
This is a great cram for your test. It helped me pass mine! I do have to say that this isn't State Specific, so make sure that you're also pulling your state specific laws from the Department of Insurance website in your state.
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4 of 4 people found the following review helpful By L. Gray on September 30, 2009
Format: Paperback Verified Purchase
I've used this and lend it to budding Life and Health Insurance Agents. It has helped many of my agents pass the test, and It's about as good a book & CD resource for the Life and Health License Exam as one can get.
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