Life and Disability Exam Curriculum

Life and Disability

Life, Accident and Health

Life Agent

These are 3 ways of saying the same thing.

To get your license you will have to pass an exam with usually 70% in most states.  Don’t take the exam lightly.  Your exam will ask questions that are filled with new terminology uses a lot of double negatives which makes some topics that you’ve studied almost unrecognizable.

Keep in mind that the exam is passable.  You just have to put in the time and energy to study.

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Each state may have a variance in how many questions will be applied to each section.

Here are the topics to be familiar with:

Insurance rules and regulations

Types of Insurers

Types of Licenses

Insurance Terms and Definitions

Classes of Life insurance policies

Term Insurance Types

Permanent Life Insurance Policy Types, such as:

Whole Life/Current Assumption Whole Life

Modified Life/Graded Premium Life

Adjustable Life

Universal Life/Indexed Universal Life

Variable Life/Variable Universal Life Insurance

Endowment Contracts

Family Protection Policies/Family Policies

Family Income Policy/Family Maintenance Policy

Joint Life Policies/Survivorship Life Policies

Modified Endowment Contract

Policy Riders

Policy Options

Dividend

Settlement

Non-Forfeiture

Conditions/Provisions

Retirement Plans

Employee Retirement Income Security Act (ERISA)

Annuities

Fixed/Indexed/Variable

Guaranty Association

Group Life and Health Plans and Provisions

Health insurance policies and provisions

Basic Medical

Major Medical

Comprehensive Major Medical

Limited Health Plans

Health Maintenance Organizations

Preferred Provider Organizations

Exclusive Provider Organizations

Senior Health Plans

Social Security Benefits

Long Term Care

Government Health Plans/Medicaid

Disability Income

Franchise Health Plans

Blanket Insurance

Multiple Employer Trust

Multiple Employer Welfare Arrangements

Insurance Guaranty Association

Patient Protection Affordable Care Act (PPACA)

Pre-Existing Conditions Plan (PCIP)

Access to Infants and Mothers (AIM)

Healthy Families Program

Medical Loss Ratio (MLR)

Pregnancy Discrimination Act (PDA)

Americans with Disabilities Act (ADA)

Family Medical Leave Act (FMLA)

Consolidated Omnibus Reconciliation Act (COBRA)

Omnibus Budget Reconciliation Act (OBRA)

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