How to Study and Pass the Texas Life and Health Exam
Summary
TLDRIn 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.
Outlines
📚 Overview of the Texas Life and Health Exam
Melissa, the 'insurance exam Queen,' introduces a guide on how to pass the Texas life and health exam. She explains the exam structure, which consists of 150 questions, 130 of which are scored, and 20 are pre-test questions that do not count towards the final score. Melissa emphasizes that candidates need to answer 70 out of 130 questions correctly to pass. She advises treating all questions as important, even though only 130 count, and not to assume a question is wrong just because of a lack of confidence. She shares anecdotes about students' experiences and the importance of maintaining a positive attitude during the exam.
🔍 Exam Content Breakdown and Strategy
The video script details the exam's content outline, focusing on the percentage of questions derived from each chapter. Melissa discusses the significance of chapters like 'Completing the Application,' 'Underwriting,' and 'Delivering the Life Policy,' which collectively account for 16% of the exam. She refers to these chapters as 'double dipping' because they overlap with health insurance topics. Melissa also covers the importance of studying 'Life Insurance Policy Provisions' and 'Health Provisions,' which are substantial parts of the exam. She categorizes chapters into 'red' for high focus, 'yellow' for medium focus, and 'green' for low focus, advising students to concentrate on the most tested topics to pass the exam efficiently.
💼 Detailed Chapter Analysis and Test-Taking Tips
Melissa delves deeper into specific chapters, providing insights into their content and how they relate to the exam. She discusses the importance of understanding life insurance policies, the underwriting process, and the delivery of policies. She also touches on the overlap between life and health insurance topics, advising students to leverage this for efficient studying. Melissa further breaks down chapters into 'red,' 'yellow,' and 'green' categories based on their importance and testing frequency, suggesting strategic study approaches for each. She reassures students that focusing on key chapters and understanding the exam's structure can lead to passing, even without mastering every detail.
🏥 Health Insurance Focus and Chapter Prioritization
This section of the script shifts focus to health insurance, with Melissa discussing the types of health policies and their significance in the exam. She emphasizes the importance of understanding HMOs, PPOs, and disability insurance, which are key areas within health policies. Melissa also addresses the overlap between life and health insurance provisions, suggesting that studying one can aid in understanding the other. She provides a strategic approach to studying, advising which chapters to prioritize based on their weight in the exam and the potential for 'double dipping' on studied material.
📈 Study Plan and Confidence Building for the Exam
Melissa concludes the script with a study plan and a strategy for building confidence. She outlines how focusing on the most tested chapters can lead to a passing grade, even if some questions are answered incorrectly. She provides a hypothetical breakdown of scores per chapter, demonstrating how covering key topics can result in a passing score. Melissa encourages students not to stress over minor details or less important chapters, aiming for a 70% correct answers to ensure a pass. She reinforces the idea that a passing score is sufficient, regardless of whether it's a high or low percentage, and that strategic studying can reduce study stress and increase the likelihood of success.
Mindmap
Keywords
💡Texas life and health exam
💡Pre-test questions
💡Scored questions
💡Underwriting
💡State content outline
💡Provisions
💡Types of life and health policies
💡Chapter breakdown
💡Passing threshold
💡Test-taking strategy
💡State regulations
Highlights
The Texas life and health exam has 150 questions, but only 130 are scored, with 20 being pre-test questions that don't count for or against the examinee.
To pass, you need to score 70%, which is 91 correct answers out of 130, not out of 150.
Examinees should treat all 150 questions as if they are being scored since they won't know which are the pre-test questions.
It's important not to assume you've answered incorrectly if you're unsure—there's a 25% chance of picking the right answer even with uncertainty.
Many students mistakenly believe they've failed because they weren't confident in their answers, but this isn't always the case.
The breakdown of the exam includes chapters like completing the application, underwriting, and delivering the life policy, which make up 16% of the test.
The underwriting process involves assessing the risk of insuring someone, such as their age and health status.
There is significant overlap between life and health insurance concepts, particularly in underwriting and delivering policies.
Term and whole life insurance policies are heavily tested, so focusing on understanding the differences between them is key.
The life and health policy provisions section, making up 14-15% of the exam, overlaps in some areas but has distinct parts for each type of insurance.
Understanding 401k plans and basic retirement concepts can help in the smaller taxes and retirement sections of the exam.
Focusing on major health insurance concepts like HMOs, PPOs, and disability insurance is critical for the health insurance portion of the exam.
Medicare and Medicaid (social insurance) only make up 2% of the exam, so they are less crucial to study in depth.
The Texas-specific laws and regulations are common across multiple insurance exams, so if you've taken other exams, this section will be familiar.
It's possible to pass the exam by focusing on the most heavily tested sections, rather than trying to master every topic, as only a score of 70% is needed.
Transcripts
hello this is Melissa the insurance exam
Queen We are going to go over how to
pass the Texas life and health exam and
um Haley let me know if you have any
questions since you're live here
watching right so this is the breakdown
of the exam so I'm going to zoom in here
real quick
so you have a total of
150 questions but only 130 of them will
actually be scored or counted for and
against you 20 of them are known as
pre-test and what that means is simply
that the test maker I think it's Pearson
in Texas is trying out some test
questions seeing how well people do with
them whatever
the thing is is that you won't know if
they're legitimate test questions or if
they are
actual or if they're fake questions
right the pre-test questions when I say
like fake they're not counting for you
they're or against you they're just
there
but you won't know which ones are which
right so when you sit down and you take
the test you need to treat all 150
questions as a test question but the
good news is only 130 of them are
actually scored
for you or against you what that means
is that you don't need
seven and so you need a 70 to pass right
you don't need 70 out of a hundred and
fifty
you need 70 out of 130 which means
that's only 91 questions correct
so what that means is when you're
sitting there taking the test and you're
going to have this feeling sometimes
like oh my God I don't know the answer
to that one I got that one wrong now
don't assume that you got it wrong just
because you don't know it or you're not
confident in it because there's four
choices you have a 25 chance of picking
the right one
additionally and I've seen this happen
with with students that I've worked with
one-on-one is just because you you don't
feel confident doesn't mean you didn't
pick the right answer I've seen this
happen many times where they'll pick an
answer and they're like oh I got that
one wrong and I'm like no you didn't you
got it right you just didn't feel
confident in your answer but that
doesn't mean you you failed it
automatically so like I had this one
student one time she knew that she could
get like because you could basically out
of 150 you need 91 you can get basically
60 Questions wrong right so she was
marking down every time she thought she
got one wrong and she hit more than the
number for her exam and she thought she
blew it but I'm like but that doesn't
mean they're all wrong like don't assume
you picked the wrong answer just because
you weren't you know you weren't
confident in it and I never encourage
anyone to do that pretend you got it
right like just feel good about it like
I'm not confident about this but let's
just go and see that one feels good
right like the more happy and excited
your energy is the the better it serves
you
um
so anyway when you get that feeling
though don't you you you have so many
that you can get wrong you have almost
60 questions that you can get wrong and
still pull off a pass so my points in
saying this is don't allow that feeling
to make you think you're failing
know that you have a lot of wiggle room
and that it's okay okay but you'll treat
every question as a test question
because you don't know which ones are
scored and which ones are not they um
they don't always tell you they just
give you all you know 150 questions
now the next part of this is showing us
the
um I don't know how I can move how do I
move around in this thing it's not
letting me move
the next part of this is showing us
um what is
uh there we go what is the test going to
be on what is it going to cover because
it's not just a random
um you know 150 questions they're coming
from something specific
so these are the chapter breakdowns and
when we say chapter your webce ad Banker
Kaplan exam FX whatever may have
different chapter titles but this is
coming directly from the state content
outline
and the the whatever the state said we
want you know these Concepts tested
so completing the application
underwriting and delivering the life
policy this is all about you as the
insurance agent sitting down taking uh
doing an application with the customer
going over their medical questions
getting information about them
underwriting is all about the risk
selection process you're looking at how
risky this person is if they're older
they're more like thinking about life
insurance if they're older they're more
likely to die
if they are younger they're less likely
to die if they already have health
issues you know that's a problem so that
that comes into the underwriting and
then you have delivering the life policy
and that's you as the insurance agent so
you fill out the application with them
you send it to underwriting where they
make the decision if we're going to
insure this person or not and then if
they say yes then they deliver the
policy to uh you they give it back to
you as the agent you go to deliver it to
the customer
you review the policy for them and you
make sure that they um you know
understand the policy that that you
review any changes with them or whatever
so that's that chapter and it's going to
come at nine percent of the exam now
what's really cool is completing the app
is essentially the same as field
underwriting so this this is on the life
side and this is on the health side but
the application underwriting process in
delivering the policy are the same it's
not really different between life and
health so what's really cool is when
you're studying this nine percent you're
also studying this seven percent which
makes these two policy which makes these
two ones for you really important
um chapter that yellow car that red kind
of removes the name but these are two
really important chapters because the
the total of that nine plus seven was at
16 so 16 out of 150
so you have 150 times 0.16 no wait I did
that wrong 150 times
1 6. that's 24 questions and you need 90
of them correct so 24 out of 90 is
pretty that's a pretty decently sized
chunk
um and every everything that you're
learning and completing the app goes
right into field underwriting so I like
to call those like double double dipping
chapters and we'll be um
I don't know if I have that on the thing
today but I certainly have a video of it
in the silver package um so you you have
that available to you I forget what our
schedule is my the schedule I wanted to
make today was very heavy on Provisions
because I tend to
um run out of time and Provisions you
see here is life insurance policy
Provisions 14 and health Provisions 15
and these can overlap quite a bit so
that's why I wanted to make sure I
heavily focus on Provisions today during
the the boot camp
so
um now next up you have types of life
this is this is the policy this is
talking about the actual policies like
term policies Whole Life policies
Universal policies variable policies etc
etc
um and that makes up nine percent of the
exam which is actually relatively small
considering all the things that they
test you on if this is a life exam but
technically the Life policies themselves
only make up
um nine percent now of all the different
types of Life given my experience with
teaching this material and having people
pass the exam and passing the exams
myself they heavily focus on term versus
whole so there is universal there is
variable there are other types of life
insurance but the two heavy ones if you
know term versus whole you're going to
be able to get a big chunk of those um
questions correct so what types of Life
focus on term versus versus whole and I
like to say that that's like a a me
medium based where red is like stop
spend a lot of time there study that
chapter really well a yellow chapter I
would say is more like you you gotta
like slow down you gotta go you know go
through it spend some time there but you
don't need to be like a super big expert
as long as you're an expert in term
versus whole and you don't worry too
much about Universal variable or all the
other stuff you're gonna You're Gonna Be
Good to grab a lot of points there
then the next step is provisions and
that's what we're actually starting with
this morning in the the boot camp
um with you Hallie or Haley some of you
will be watching this on YouTube when
you're not in the boot camp but always
go to my Facebook group to find out when
we're offering uh boot camps so this one
is going to be a red chapter as well as
um Health Provisions because life
provisions and health Provisions there's
a lot of overlap it's not a hundred
percent the same like completing the app
and field underwriting are pretty much
word for word
um there are a lot more Provisions in
life insurance and then especially with
the options and the writers there's a
lot more here than there is in health
insurance so I would say about half of
this chapter will match the health
Provisions chapter but they will be
extra stuff in the Life provisions and
extra stuff in the health Provisions
that don't double dip so about half of
this will double dip with each other so
life provisions and health Provisions
about half of that will double dip but
you still got to study each one and then
you'll see 14
and 15 those are pretty big pretty big
numbers right so you wanna you wanna
make sure that you know those numbers
really I'm actually gonna
um label these two as well so we can do
the math at the end and you can see how
this all works
because my goal
and I didn't stress this or say this is
that if you focus on the most tested
topics you can pull off a pass you don't
need to know and understand everything
you just need to know the most tested
stuff and be pretty decent you know at
the medium tested stuff like so I'm
going to show to you show you how you
can pull off a pass by focusing on just
specific chapters
all right so then you have taxes
retirement and other insurance Concepts
at six percent now six percent is still
a pretty decent number but the
information inside taxes retirement is a
lot and it can be difficult for people
to understand it and to truly grasp all
the concepts because it's like if this
then that so then there and it's like
you gotta know a lot to understand now
if you do have any working knowledge of
like 401ks like if you've ever had a job
that has a 401k there's going to be 401K
stuff in there so
um that you know if you know anything
about that that's helpful but I usually
will tell people not to worry too much
about taxes and retirement so that to me
is more like a like a green chapter
where you just go on past it because
it's it can really stress you out and
it's like I like to tell people it's not
really worth their brain space now other
insurance Concepts is is will also have
taxes in it as well
um so like a lot of these like just like
completing the app and field
underwriting are the same life
Provisions Health Provisions they're
kind of similar
um taxes retirement is a little similar
to other health Concepts in that it has
taxes as well but you can see that
that's three percent
so we're going to treat that one as a
green chapter where you can just move on
through it don't worry too much about it
then you have types of Health policies
now this one's 11 you do want to be um
better at this one so uh it's because
it's a decently sized chunk so types of
Health you want to be at about that's a
red chapter you want to slow down take
your time you know study that one now
with this one it's going to be loaded
with all kinds of stuff it's going to
have major medical expense policies like
hmos ppos it's gonna have um disability
policies
um but it's got it's limited policies
short-term policies it's got all
basically every type of Health policy in
it the main focus for types of health is
going to be hmos ppos and disability
insurance
so hmos ppos and disability and we're
going to talk all about that tomorrow in
our health boot camp because today is
focused on life but I'm going over this
for you since you're taking both tests
so
um types of life hmos ppos or types of
Health sorry hmos ppos and disability if
you focus on those then you you can do
pretty well in that chapter now I know
it's a red chapter but it will be hard
to get all the questions correct in
there because it's such a big chapter
there's a lot of information in there
you're looking at probably 60 Pages
worth of studying for that 11
but you still want it's still a decently
sized chapter so you want to spend a
good amount of time there but it kind of
wanes between it's kind of like types of
life where it's like just focus on Turn
versus whole just focus on HMO PPO and
disability so it's it's kind of like an
orangey chapter where it's a little bit
yellow a little bit red like don't
bypass it but don't try AI to stress
yourself remembering everything
then you have social insurance now this
is Medicare
um Medicaid you don't need to really
know that see it's only two percent
um it's not really worth your time to
try and memorize all the different parts
of Medicare and things like that which
is only two percent because that's like
literally like four questions
um so that's going to be a kind of a
blow-by chapter it's a green chapter
all right then you have um state law the
first chapter is Texas common to all
lines and this is actually common not
just to life and health but common to
life and health and property casualty so
if you've taken the Property and
Casualty exams before in that state
it'll be the exact same stuff now this
chapter will be
um
this one will be a a yellow chapter just
because there's a lot of information in
there what you want to focus on is what
I go over in my state regulations class
so if you have any of my class series
there is a um state regulations class
that will talk to you about the
Department of Insurance it'll tell you
um you know about the director the
commissioner whatever name he goes by
what is his purpose what does he do and
then I will also highlight for you which
numbers are important to study
um how long your license is good for how
many hours of continuing education do
you need the rules for getting a license
those are the the highly tested topics
among that chapter and then I also
provide you with some hints to um try
and grab as much other because there's a
lot of numbers in that chapter fees and
fines court dates 30 days for this 20
days for that 10 days for this it can be
a lot of information which is is why I
make it yellow because I don't want to
stress you out with trying to remember
everything because it's very numbers
based
but if you have my state regulations
video in any of my class series it will
highlight for you what you need to know
from that chapter to kind of ease your
burden of like studying everything
where do we get the state regulation
class do you have is it do you have
silver
or do you have YouTube
oh I don't know I think I have silver
okay if you have if you have my if you
so if you paid for my classes you should
have silver for life and health
um and it will have estate regulations
video um and even if you why I guess you
studied a while back I don't think you
have my PNC one but the state
regulations is the same like I said
common all lines is the same for for
everything okay I do have a good amount
of YouTube videos on that chapter
um as well too okay
all right now
um what's really cool about these next
two chapters is so you have Texas
statues rules pertinent to life
insurance only so this is where they get
into the nitty-gritty details about life
insurance specifically the rules and
laws but what's really awesome is the
provisions that you learn here will
actually match what you're going to see
down here
so a provision is like a rule for a
policy we do it like this we have it
like this you must do this
so this chapter in Texas is saying we do
it like this it must be like this and
it's you're gonna as you as you go
through the Texas pertinent to life
insurance only you're gonna be like I
feel like I read this before you did in
Provisions it really truly is the same
stuff it's just that Texas is
emphasizing their numbers like because
you can you Provisions are like the free
look period where
the customer receives a policy they can
return it for a full refund if they
don't want it if they decide never mind
I I change my mind on this
um so they can get it returned for a
full refund
um and that's standard 10 days across
the board but some states can say it's
15 days
um you know they can make it longer so
your that chapter will just simply
stress your State numbers but it's
basically just going over provisions
same with the health
um and the health provisions and
um the rules pertinent to access and
health insurance only you're just double
dipping onto those Provisions so these
will end up being read chapters as well
because you're you're not having to
really study them separate you're
studying them alongside provisions and
those are read already
then you have rules pertinent to an HMO
um that's again hmos are going to come
from the types of Health policies so
this is just Texas stressing the rules
that they have for hmos with hmos it's
usually focused on the geographic
boundaries who can join an HMO
um and but it's three percent though so
you don't need to really stress out
about it and so I would make that a
green chapter
so what I want to show you here is how
you can secure a pass so let's say the
red chapters you're you're trying to get
as many points as possible so the goal
here is that you get you know like all
nine percent so let's say you got nine
percent plus and then the yellow
chapters let's see types of life you're
probably going to get somewhere around
closer to six percent
um Provisions you want to get as many as
possible so that's going to be the 14 14
you don't worry at all about taxes so
let's say you get none of that correct
um then you have field underwriting
which is just like completing the app so
you're going to get all seven percent of
that correct then you have types of life
but like I said it's it's like an
orangey chapter where you you got to
spend some time there but don't
overwhelm yourself so let's say you get
somewhere like you know eight eight
percent on that one
then you have your health provisions and
you want to get all of that so that's
going to be 15 percent
then you have your
um social which you don't need to worry
about and your your taxes which you
don't need to to really know about
then you've got your common to all lines
11 you're probably going to get around
like nine nine percent for that one and
then you've got your your
um five percents here
so that's another 10 and that puts you
at 78 and you need
70 to pass so you're already you already
have wiggle room with these most tested
chapters so this is how you're able to
ignore certain things and just super
focus on the most tested chapters and
the ones that double dip a lot and
you're looking at a 78 there is no rule
or worry about getting more than 70.
like if you get just 70 it's still a
pass it doesn't change who will hire you
it doesn't change your potential of
getting a job a pass is a pass is a pass
is a pass so a 70 is just as good as a
100 and by focusing on the most tested
topics you don't overwhelm yourself and
you're actually more likely to pass by
focusing on the most sense of topics
rather than trying to memorize and
understand everything because that's
going to be really hard for people to do
so any questions with that and does that
does that make sense
it makes sense
okay perfect all right so that was how
to study and pass for the Texas
um life and health exam by really
focusing on these red chapters medium
focusing on the yellow chapters
bypassing the green you're looking at a
78 you need 70 to pass so that's more
than enough to get you going
all right so let me go ahead and turn
off the recording where do I oh I lost
my zoom tools
all right
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