How to Study and Pass the Texas Life and Health Exam

Summary

In this video, Melissa, the 'Insurance Exam Queen,' offers a comprehensive guide to passing the Texas life and health exam. She explains the exam structure, emphasizing the 150 total questions with only 130 scored. Melissa advises treating all questions as important, as the pre-test questions are mixed in and unknown. She highlights key chapters, suggesting a focused study strategy on high-yield topics like 'Completing the Application,' 'Field Underwriting,' and 'Provisions.' Melissa also provides tips on managing test anxiety and confidence, aiming for a 70% passing score. Her approach is to concentrate on the most tested areas, efficiently using study time for a high pass rate.

Takeaways

• 📚 The Texas life and health exam consists of 150 questions, with only 130 scored towards the final grade.
• 🎯 To pass, one needs 70% of the scored questions correct, which is 91 out of 130 questions.
• 🤔 Treat all 150 questions as important, as it's unknown which are pre-test and which are scored.
• 📉 There's a significant margin for error; one can miss nearly 60 questions and still pass the exam.
• 📈 Focus on the most tested topics, as mastering these can lead to a pass even if other areas are less studied.
• 🔑 'Double-dipping' chapters like completing the application and underwriting cover similar content for both life and health exams, making them crucial for study.
• 📊 The exam covers various chapters, each with a different weight, influencing how much time to allocate to each.
• 🚫 Some chapters, like social insurance, have a low weight and can be briefly reviewed.
• 📈 Provisions and types of health policies are significant, overlapping with life insurance provisions, and should be studied in detail.
• 📉 Even without full confidence in answers, there's a 25% chance of guessing correctly, so avoid negative assumptions during the exam.

Q & A

What is the total number of questions on the Texas life and health exam?

The Texas life and health exam consists of 150 questions.

How many of the 150 questions on the exam are scored?

Only 130 of the 150 questions are scored. The remaining 20 are pre-test questions.

What is the minimum score required to pass the Texas life and health exam?

To pass the exam, one needs to score 70%. Since only 130 questions are scored, this translates to getting at least 91 questions correct.

What is the significance of pre-test questions on the exam?

Pre-test questions are used by the test maker to try out new questions. They are not scored and the test taker won't know which questions are pre-test.

Why is it important to treat all 150 questions as test questions during the exam?

It's important to treat all questions as test questions because the test taker won't know which are pre-test and which are scored, ensuring a fair attempt at all questions.

What is the percentage of the exam that covers 'Completing the Application, Underwriting, and Delivering the Life Policy'?

The section on 'Completing the Application, Underwriting, and Delivering the Life Policy' makes up 9% of the exam.

How does the 'Field Underwriting' section relate to the 'Completing the Application' section on the exam?

The 'Field Underwriting' section is essentially the same as the 'Completing the Application' section, just applied to the health side of insurance. Studying one helps with the other.

What is the strategy suggested for approaching questions on the exam that you're not confident about?

The strategy is to not assume a question is wrong just because you're not confident. There's a 25% chance of guessing correctly, and confidence doesn't always reflect accuracy.

What is the focus of the 'Life Insurance Policy Provisions' and 'Health Provisions' sections on the exam?

The 'Life Insurance Policy Provisions' and 'Health Provisions' sections focus on the rules and options within life and health insurance policies, with an emphasis on overlapping areas.

How should one prioritize studying for the exam based on the script?

One should prioritize studying the 'red chapters' which are the most tested topics, medium focus on 'yellow chapters', and can bypass 'green chapters' which are less important. This strategy helps manage study time effectively.