Life Insurance Practice Exam
By Victoria Trix
In preparation for taking the state issued exam to obtain a health and life insurance agency license, there are many resources available through which a candidate can obtain health and life insurance practice exams to use as study guides. Any state certified education facility that conducts the pre-requisite course for taking the licensing exam in your state will have access to or resources for practice exams.
As the National Association of Insurance Commissioners (NAIC) continues to strive toward standardizing national insurance laws, rules, and guidelines, eventually leading to a national standardized test which will cover all 50 states, instead of requiring individual testing and relicensing if the agent is forced to relocate to another state, use of standardized practice exams are becoming more and more useful. These practice exams can be purchased in book format, and many are available to take over the internet. Some of the internet based practice tests are free to internet users, others require a fee to process and score the tests, which only takes a matter of seconds. If electing to use an internet website version of the practice test, there are specific system requirements that are necessary to correctly upload the testing information.
The website you use will give you the system requirements necessary for testing, so you can verify that the computer you take your practice test from will be acceptable. Also check to see whether the internet practice test you choose to take imposes a time limit, as the actual test will. Some sites will notify you when the time limit has expired, but still allow you to complete the practice test, so you can receive complete test results. The practice test results will provide the candidate with a comprehensive summation of what their test results would be if they took the actual state test today. The practice tests are categorized and scored the same way that the actual state test is administered and graded, therefore it is easy to see which area the prospective agent is secure in and in which areas there needs to be further study for clarifications of the governing rules of a particular subject.
Authentic, allowable practice exams are produced and distributed by independent insurance licensing instruction institutions which are certified by the state for content of their course materials. Since the passing of the state exam to obtain a license to sell health and life insurance is a matter of state law, it is of course illegal to solicit or obtain any copies of the currently used state tests for use in studying for the exam. Contact with any individuals who proclaim to have access to actual test samples is to be avoided to prevent permanent disallowing of taking the licensing exam.
