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Life and Health Insurance License Exam Cram [Paperback]

Bisys Educational Services
4.0 out of 5 stars  See all reviews (47 customer reviews)

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Book Description

December 13, 2004 0789732602 978-0789732606 1

If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You'll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified.

Please note: The CD-ROM and test engine is NOT Mac iOS compatible.


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Editorial Reviews

About the Author

Author Bio

About BISYS

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.

Introduction

Introduction

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 th...


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: 9 x 6 x 1.3 inches
  • Shipping Weight: 1.8 pounds (View shipping rates and policies)
  • Average Customer Review: 4.0 out of 5 stars  See all reviews (47 customer reviews)
  • Amazon Best Sellers Rank: #20,316 in Books (See Top 100 in Books)

Customer Reviews

Most Helpful Customer Reviews
18 of 18 people found the following review helpful
4.0 out of 5 stars Very helpful. 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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24 of 26 people found the following review helpful
5.0 out of 5 stars Life Saver 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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13 of 13 people found the following review helpful
4.0 out of 5 stars It did what it was supposed to 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 10 people found the following review helpful
5.0 out of 5 stars exam cram life and health book 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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6 of 6 people found the following review helpful
5.0 out of 5 stars Excellent Supplemental to Course Instruction 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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7 of 8 people found the following review helpful
4.0 out of 5 stars Get a feel of the industry! 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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14 of 18 people found the following review helpful
3.0 out of 5 stars Exam Cram and Texas Test August 17, 2008
Format:Paperback|Verified Purchase
While the book was not specific to the Texas Insurance exam, it did provide enough background to enable me to pass the Texas exam the first time. If you are new to the insurance industry, you should supplement this text with specific information on your state exam. Since I had previously held an insurance license this was a great review and covered some of the new areas. First timers should probably supplement this with an online course of study approved by their state. The exam, administered in Texas by Prometric services, has some questions that the book did not seem to cover in quite the same way. Study the sample questions and answer rationale carefully. Good luck.
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4 of 4 people found the following review helpful
4.0 out of 5 stars Exam Cram October 24, 2009
Format:Paperback|Verified Purchase
This book had a lot of useful information really more than I need to pass my exam. I did like the feature to be able to practice quizzes to test my knowledge and I still refer to this book from time to time. I won't say that it helped passed my exam
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Most Recent Customer Reviews
5.0 out of 5 stars Five Stars
What can I say, it helped me pass my test on the first try
Published 2 days ago by Benjamin M. Reece
1.0 out of 5 stars Super Rip Off
Book is so overpriced and the CD no longer works and is outdated since the company Bisys was bought out. They offer a more expensive book with a CD that works and has support. Read more
Published 16 days ago by Robert Ryan
1.0 out of 5 stars Dated
I bought this and studied it and followed its directions. Finally I plugged in the CD to get to the state stuff. It wasn't there, except in the form of some test question. Read more
Published 2 months ago by Walter C. Lee
5.0 out of 5 stars Insurance study manual
This book is loaded with info I don't know if everything in the book will be needed to pass insurance exam I'm gonna need to get another book spicificaly for the state I'm living... Read more
Published 2 months ago by Michael Rebo
5.0 out of 5 stars Very Happy With Seller
Fast transaction, excellent product! Book and CD were just perfect. Preparing to take my insurance exam, this gives me an extra edge I needed. Good content!
Published 4 months ago by Heidi J. Christian
5.0 out of 5 stars Texas Life License
Using this study manual, I only had two days to study but passed the state licensing exam and am looking forward to receiving my life and health license.
Published 4 months ago by wgraef
1.0 out of 5 stars falsehoods
The exams r not accurate. The test answers contradict the material in the chapter it is examining the reader on. Read more
Published 5 months ago by Kisha S. Williams
1.0 out of 5 stars Outdated
The book Is outdated and irrelevant. Spend the money and get a newer book. They should not even sell this book anymore. Fail
Published 5 months ago by Jeff H Starling
5.0 out of 5 stars Great Book! Thanks!
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... Read more
Published 7 months ago by Dove Roberts
5.0 out of 5 stars Great study guide for the Life Insurance exam!
I studied this book and passed my Life Insurance exam. It is very thorough and gives great insight on how to take the exam.
Published 9 months ago by Guy Jackson
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