LIFE INSURANCE AGENT TEST EXAM PREPERATION AUDIO [4K UHD]

$ WHAT KIND OF OF INCOME DOES SOMEONE INSURED HAVE IF HE OR SHE IS UNABLE TO WORK = UNEARNED
$ The following is a way of calculating the amount of disability coverage that an individual requires = PROGRAMMING
$ Which insurance paperwork permits an insured to obtain term coverage for a spouse = Spouse term insurance rider
$ COBRA permits = A terminated employee to continue coverage
$ When assessing a health insurance policy premium, all but which of the following should be taken into account = GENDER
$
1 AN OFFER THAT ATTEMPTS TO INFLUENCE THE OTHER PARTY = INDUCEMENT
2 A MUTUAL EXCHANGE OF BENEFITS OR PRIVILEGES. ''I'LL SCRATCH YOUR BACK IF YOU SCRATCH MINE''. = RECIPROCITY
3.. HEART ATTACKS FROM A CAR/MOTORCYCLE = ONLY PAY THE FACE AMOUNT TO THE BENEFICIARY
..How long can a temporary license be issued? 90 DAYS
..require that you complete 20 hours of pre-license education
4 RESTORATION TO THE ORIGINAL CONDITION OR REPAYMENT = RESTITUTION
5 INSURANCE THAT IS NOT AVAILABLE FROM ADMITTED INSURERS = SURPLUS LINES INSURANCE
6 WHAT DOES INDEMNIFY MEAN = TO RESTORE AN INSURED TO THE SAME FINANCIAL STATUS AS BEFORE THE LOSS
7 WHAT ARE SOME COMMON PERSONAL USES OF LIFE INSURANCE = SURVIVOR PROTECTION, ESTATE CREATION & CONSERVATION, CASH ACCUMULATION, AND LIQUIDITY
8 ED = CONDITIONAL
9 TRUTHFULNESS WITH BOTH PARTIES - CONTACT OF UTMOST GOOD FAITH
10 WHAT DOES REPRESENTATION MEAN AND HOW DOES IT DIFFER FROM WARRANTY = REPRESENTATIONS ARE STATEMENTS BELIEVED TO BE TRUE TO THE BEST OF ONE'S KNOWLEDGE. A WARRANTY IS AN ABSOLUTELY TRUE STATEMENT UPON WHICH THE VALIDITY OF THE INSURANCE POLICY DEPENDS
11 WHAT DOES INSURANCE SOLICITATION MEAN = IT IS AN ATTEMPT TO PERSUADE A PERSON TO BUY AN INSURANCE POLICY, AND IT CAN BE DONE ORALLY OR IN WRITING
12 WHAT INFORMATION DOES A BUYERS GUIDE PROVIDE = BASIC INFORMATION ABOUT LIFE INSURANCE POLICIES AND COMPARISON OF POLICY COST
13 WHAT IS UNDERWRITING = RISK SELECTION + CLASSIFICATION PROCESS
14 STOCK INSURERS ARE OWNED BY SHAREHOLDERS
Premium=the money paid to the insurance company for the insurance policy
Reciprocity/ Reciprocal=a mutual interchange of rights and privileges
Commissioner=the head of the department of insurance
Consent=permission to do something
Consideration=something of value that each party gives to the other (binding force in any contract)
Disclosure=revealed information to help someone make an informed decision
Lapse=policy termination due to nonpayment of premium
Underwriting=risk selection and classification process
Beneficiary=a person who receives the benefits of an insurance policy
Estate=a person's net worth
Attained Age=the insured's age at the time the policy is renewed or replaced
Cash Value=a policy's savings element or living benefit
Deffered=withheld or postponed until a specified time or event in the future
Endow=to have the cash value of a whole life policy reach the contractual face amount
Nonforfeiture Values=benefits in a life insurance policy that the policy owner cannot lose
even if the policy is surrendered or lapses
Face Amount=the amount of benefit stated in the life insurance policy
Lapse=policy termination due to nonpayment of premium

[TheodoreTheDog_WillTheOwner]

My test is on the 26th of June 2024 hoping to pass and start a new life and career good luck everyone taking the test🎉🎉🎉🎉!!! Congrats beforehand

[sidviciousentertainment]

Passed on my fourth attempt lol… missed second attempt by 6 questions and third attempt by 2 questions.. have listened to this audio religiously and it has helped tremendously!! Best of luck to all who are in the process of taking it!!

[f.m.]

Failed my exam today with a 69%, missed passing by 1%, watching this while i work so i can retake it in a few days. I believe that I'll pass the next time i take it.

[jtpvxek]

This is an amazing video!! I was struggling using xcel but I watched this video at least once a day for a week sometimes two times learned what I needed in a week and passed my exam on my first try! It’s possible don’t stop believing in yourself you got this 💛

[darlynalarcon]

I just passed my exam and this video helped me pass ! watched religiously for 3 days night and day ! Thank you to Matthew for posting this review.

[BiancaNissen]

I passed my exam 06/01/23 on second attempt and this audio HELPED me a lot! Very detailed and loved both voices. Thank you!

[ncazz]

Basics
0:11

Types & Classifications of Ins.
4:02

Completing Application, Underwriting and Delivering Policy
5:44

Types of Policies Pt1
14:58 Pt2 20:48

Policy Provisions
27:21

Policy Options
33:45

Policy riders
39:38

Annuities
43:13

Retirement plans
49:33

Marketing Practices
57:47

Add. State Specific
1:03:30

Good luck future ins. agents! 🤑

[naegray]

I passed my exam today on the first attempt! 5/3/23! Great audio! Thank you!

[SkyiiEl]

1/12/2024 passed my test today on the first try.I listened to this audio 4 times and passed. 😊❤

[dqueezytv]

Passed my exam today! Tips if needed, do the practice exams daily, listen to this daily and increasing the speed 2x if you’re on a walk or have down time and take a practice exam before your actual exam. Don’t forget to eat a nice breakfast and bonus (coffee or in my case a preworkout lol) - also review your test at least once before submitting.

[felisak]

I have been watching this video for 7 days day and night and this is a powerful resource because this really helped me passed my Life Agent test today. I took my license in Texas. Thank you Mathew😃

[rw]

I take my test again tomorrow Morning. Second attempt, I will. Pass this exam. Positive thinking.😁

[philipjavier]

To pass a life and health insurance exam, you will need to have broad knowledge of insurance concepts, policy types, taxes and federal regulations, not to mention the insurance laws in your state

[MsOzimeli]

Thank you so much! I’m studying to take my test for the first time! I thank God for guiding me to this video🙏🏻 I’ll be listening on repeat 🙌🏻
Blessings to all 🙏🏻

[stephanietorres]

I watched this video for 2 weeks straight every morning n every other night study my book took some practice tests n passed my life exam on the first try thank youuuu so much

[foreverwealthsolutions]

Thank you this video helped sooo much!!! I passed my exam 8/14/23 🥳🎉✨

[lucaswalford]

Have to vouch for this video, listened to only 20 minutes of it on my way to the exam and had 4-5 questions that I only knew just from listening to this. Very good use of time.

[neddiehernandez]

Just passed my test today! I listen to this video over and over again and helped me so much..Thank you so much!

[ManaE-zfrn]

It’s been so hard to study due to the fact that I not good when it comes to studying in general, this will really help so that whenever I’m on my way to work I get to listen to it, anytime anywhere.

[reneemason]

This helped me so much before taking my exam the second time.