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Insurance State Exam Question

Posted on 1/2/20 at 1:36 pm
Posted by Tigerfan257
Houston, TX
Member since Jan 2017
924 posts
Posted on 1/2/20 at 1:36 pm
Im taking the state exam to get my license to sell Life Health and Accident insurance. Ive been studying a lot. Anyone took it so I know what to expect? Tips? Thanks
Posted by TaderSalad
mudbug territory
Member since Jul 2014
24656 posts
Posted on 1/2/20 at 1:36 pm to
Answer is always "C"
Posted by Tigerfan257
Houston, TX
Member since Jan 2017
924 posts
Posted on 1/2/20 at 1:37 pm to
I wish that were true
This post was edited on 1/2/20 at 1:37 pm
Posted by Cotten
Tennessee
Member since Jan 2018
1260 posts
Posted on 1/2/20 at 1:37 pm to
I know some straight dumbasses who sell insurance, so you should be fine.
Posted by McCaigBro69
TigerDroppings Premium Member
Member since Oct 2014
45086 posts
Posted on 1/2/20 at 1:38 pm to
If you actually study it isn’t hard.

I’m pretty dumb and I got an 88 on it.
Posted by High C
viewing the fall....
Member since Nov 2012
53834 posts
Posted on 1/2/20 at 1:38 pm to
If there are any questions about certain demographic groups and car insurance, the answer is 0.
This post was edited on 1/2/20 at 1:39 pm
Posted by Shankopotomus
Social Distanced
Member since Feb 2009
21057 posts
Posted on 1/2/20 at 1:38 pm to
as long as your school/program was decent you should be fine

follow the test outline and make sure you know each bullet point
Posted by TDsngumbo
Alpha Silverfox
Member since Oct 2011
41634 posts
Posted on 1/2/20 at 1:38 pm to
If you can’t pass it you’re an idiot. I passed it with a 96% score I believe. And I’m a fricking dumb arse.
Posted by GeeOH
Louisiana
Member since Dec 2013
13376 posts
Posted on 1/2/20 at 1:39 pm to
I took it a few months ago.

What site are you using to prepare?

What town r you in
This post was edited on 1/2/20 at 1:41 pm
Posted by Tigerfan257
Houston, TX
Member since Jan 2017
924 posts
Posted on 1/2/20 at 1:42 pm to
Im using XCEL through NorthWestern Mutual. Im located in Baton Rouge
This post was edited on 1/2/20 at 1:43 pm
Posted by CMBears1259
Baton Rouge
Member since Sep 2005
4030 posts
Posted on 1/2/20 at 1:42 pm to
Not sure about the H & L exam, I’m on the P & C side and it was easy. I’ll be working on my employee benefits license this year.


Posted by TigerNlc
Chocolate City
Member since Jun 2006
32496 posts
Posted on 1/2/20 at 1:43 pm to
I passed Life and Health and Property and Casualty the first time. The instructor of the class told us what to highlight in the book and I also used the website that gives you a practice exam.
This post was edited on 1/2/20 at 1:44 pm
Posted by Chad504boy
4 posts
Member since Feb 2005
166326 posts
Posted on 1/2/20 at 1:44 pm to
if you study hard and fail, you should probably go into the trucking business.
Posted by Zach Lee To Amp Hill
New Orleans
Member since Mar 2016
4764 posts
Posted on 1/2/20 at 1:46 pm to
P&C was pretty easy. life was more difficult but passed both on the first try > 85%.
Posted by Inadvertent Whistle
Atlanta, GA
Member since Nov 2015
4377 posts
Posted on 1/2/20 at 1:53 pm to
I have P&C and H/L/S in Georgia. I thought Life was tougher than P&C but I passed both easily.
Posted by Freight Joker
Member since Aug 2019
2747 posts
Posted on 1/2/20 at 1:55 pm to
quote:

if you study hard and fail, you should probably go into the trucking business.


I’ll be damned if I didn’t give up my lucrative financial advising career of setting 10 meetings per day so recent college grads could ghost me to go back in to the trucking business.
Posted by Sidicous
Middle of Nowhere
Member since Aug 2015
17188 posts
Posted on 1/2/20 at 2:12 pm to
I passed Oklahoma 1st try without studying more than a single read through of a single state text and they were supposedly one of the toughest states.

Was licensed for everything except auto to sell add-ons to loans: Life, Health, Property, Casualty, credit life/health, AD&D. I could insure a boat, motor, and trailer, but not the pickup to pull it. The widow could get a nice check too if the old baw drowned or crashed or some other old baw mistook him for a deer.
Posted by boxcarbarney
Above all things, be a man
Member since Jul 2007
22742 posts
Posted on 1/2/20 at 2:13 pm to
I took the test in 2002. I don't know how the format is now, but it was a grueling hours long test back then.
Posted by yatesdog38
in your head rent free
Member since Sep 2013
12737 posts
Posted on 1/2/20 at 2:16 pm to
finished mine in like 45 minutes passed with like a 87 so dunno what to tell you. A lot isn't quantifiable sooo there's that. I studied like 2-3 hours a day for 3 weeks and passed with flying colors. Pretty sure i studied too much cause i could have spent those extra 10-15 hours doing something more productive like asking OT questions. It isn't that hard. Read through everything and take your quizzes repeatedly and boom you will pass.
Posted by Tiger Prawn
Member since Dec 2016
21913 posts
Posted on 1/2/20 at 2:18 pm to
Idk about the L&H exam, but on the P&C exam they like to try to confuse you with "but" or "except for" type stuff in the questions. Just take your time reading the questions. You have plenty of time
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