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Training for Insurance Professionals

Life Insurance Exam

Life insurance is no joke. You are truly working with people’s livelihoods and helping them to prepare for the unexpected in the future. In order to be able to sell life insurance, you first have to pass the exam to do so. Of course, there are different types of exams and if you are selling a variable insurance policy, you will also need a securities licensing. However, let’s focus in on the life insurance exam for now. Here are some quick tips to help you if you’re planning your life insurance exam.

1. Know the Requirements

Before you plan your exam, you should know and understand your own state’s requirements. It is possible to be licensed in more than one state and each state might have different requirements. Different states will have different exams as well as exam requirements. They may also have different continuing education requirements so that is something to keep in the back of your mind as well. The Department of Insurance within your state is the best resource for determining what your requirements are so that you can plan accordingly.

2. Create a Study Plan

You’re going to need to devote some time to studying. You can take a prep course beforehand to really cover the details of the licensing. Most test prep companies will give you a general idea of how many hours you should plan to take coursework and study before taking your life insurance exam. If you think that you can just cram study the night before your exam, you will most likely be disappointed by your results. It is typically recommended that you plan to study for a minimum of 30 hours before testing. Some states even require a certain amount of study hours. If you’re taking a course, these are almost like cramming but they will also have study resources available to you outside of the class and will probably have a recommendation for studying outside of class prior to testing as well. The key here is you need time to study and you need to give yourself time to practice and really take in the material. Your study track may look different than another tester’s but don’t try to rush it.

3. State Exam Outline Details

Most state life insurance exams will have an outline that you can refer to. This outline has the topics of the exam that you could possibly be tested on. You can use this as a resource for your focused studying. These outlines typically share what topics are included in the exams and may even break down how they are weighted as well. This gives you a place to turn your focus so you know where you may need to study more or less for the exam.

4. Calm and Focused

Finally, while you need to take time to study and prepare, you also need to find ways to calm yourself and maintain your focus. Once you’ve studied and prepped and you have your exam scheduled, teach yourself some calming techniques for the exam. Be sure to rest the night before and eat a meal before you test as well. When you’re taking the test, use deep breathing and focus to maintain a calm for the exam. ● Read the whole question every time, as well as every available answer
● Don’t leave questions blank, even if you are unsure
● If you aren’t sure of the answer right away, mark that question for review and move on.

You don’t want to spend too much time on the same question when it may bear little weight.

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