Like most States, California requires that you pass a government administered license exam before you can hang your shingle to sell insurance. In addition, you must take up to 52 hours of pre-license training, which thankfully, can now be done online. Separate license exams and training courses are required to sell asset and casualty assurance versus life and health policies. And, there is mandatory continuing instruction required every two year reparation duration as well as additional, extra training classes needed to sell specific assurance products like flood insurance, long term care assurance and/or annuity investment policies.
If your plan is to fully study the State handbooks, read and read again all the materials from your license procedure and take a cram procedure on test-taking, I can approximately guarantee you still won't pass the California assurance Exam. These exams can be tough, since they are riddled with confusing and convoluted questions . . . The trademark of most government or quasi-government license exams. So what does it take to pass? Well, that's what we cover in this article. And, there is a formula to the madness.
Nrma Home Insurance Home And Contents Insurance
First Off, Be Wary of guidance and Crazy Tips
Here is just some of the "buzz" nearby taking the State Exam. For the most part, ignore these rants and tips:
"Taking a cram class is all you need to pass" (Not true. See cram courses below)
"I was told to skip every examine on the state exam. That way, these same questions are locked in and the computer will not spit out more difficult ones." (A crazy conspiracy theory).
"A live educator is the only way to pass. They pinpoint the "buzz" words you need to pass. They tell you things that can't be put in writing" (Bunk . . . Classes are monitored by the State. And, you need more than buzz words to pass).
"Use common sense to write back the exam questions." (It won't work).
"By process of elimination, you can get to the right answer." (Works sometimes, but you would have to know the subject to eliminate the wrong answers).
"I earned 90% on my online practice exams . . . I'm ready". (A lot of these 90 percenters still fail. There are practice exams and there are practice exams. See below).
"People who take online courses always fail". (Bunk . . . Our online school has a very high passing ratio . . . It's what you do with the material that counts).
"Study the procedure materials . . . You will pass" (There is a lot more to it. It may be a unlikeness the material you learned that is being asked).
"Just look for clear "buzz" words for the answer." (The State knows all the buzz words . . . You' won't beat them this way).
California Specific
It may seem clear to many, but be sure that the courses and exam prep materials you are studying are California specific. There are a lot of generic practice exams and courses ready online that won't prepare you for the State Exam or won't allow you to even sit for the exam. Sign up with an stylish California victualer and make sure you are taking the right procedure for the license you want.
The State Exam
The State requires that you unblemished specific pre-license training Before you can sit for the State Exam. The Certificates you earn from these courses are your "ticket" into the State Exam which are currently given at state office locations in San Diego, Los Angeles and Sacramento.
On the day of the exam, you need to bring permissible identification together with a current valid driver's License, passport, military Id, etc. The State Exam is computer-based. There are 75 questions for the Life Only License; 75 for emergency & health and 150 for Fire & Casualty.
You must score 70% or good to pass. If you fail, you can retake the exam 3 consecutive times for a fee of each. Your 4th try requires a 30 day waiting period. Of course, if you corollary the guidance of this report you won't need to worry about failing.
You can agenda the State Exam online at any time . . . Just fill out the required license application. But, you must unblemished the required pre-license training courses needed for the license you want Before taking the exam. And, you need added time to tackle the remaining procedures we propose to prepare yourself. Lowest line? Leave at least three weeks before scheduling an exam date.
Test Taking
There are some universal rules to taking any license exam. Basically, you need to become familiar with the testing mentality.
· Make sure to read every singular word in both the questions themselves and the provided answers! There are citizen who fail naturally because they didn't read the examine properly!
· Make sure that you understand the gist of the examine itself...what are they getting at in the question? In order to write back a examine properly, you must understand the idea behind the question!
· Be familiar with the format of the exam. The State Exam is taken on computer. See a sample of how it works on the State's website here . . . Http://www.insurance.ca.gov/sample-test/Sample_Questions-General.htm
· Don't rush the exam. You have up to 3 hours for the Casualty or Life/Health Exam. write back all the questions you know. Flag questions you are unsure of or skip them until later. Watch for words like except or not.
Studying Books, procedure content & State Publications
The State Exam is very broad in coverage. There will be many questions on codes, ethics and other assurance topics that you may never need or sense throughout your assurance career. Nonetheless, you have to know them to pass.
Then there are hundreds of pages of pre-license procedure materials (your 20, 40 and 52-hour training courses). In fact, the State dictates what needs to be covered in all pre-license courses and they release "Educational Objectives" for each. Now, you would think that if you studied these courses and the "objectives" real hard you would be ready for the exam. . .right? Not. Don't spend a lot of time here.. Sure, you need to read the materials to earn your Pre-License Certificate(s) and there are basics you can learn from these courses, but it is highly doubtful they will play a major role in helping you pass the State Exam.
Cram Courses
There are also dozens of generic guides and cram courses which say they are designed specifically to help you pass the State Exam. Save your money and time. Sure, some may contribute some guidance, mostly on test-taking techniques I discussed above, but you still have to know specific studying points to pass. That cannot be condensed into a small book or even an 8 hour cram course. I know, I have taken these classes and wish I had spent the time studying instead.
An Exam Prep Workbook Is Key!
Ok, we're down to the key to passing the State Exam. Find a proven Exam Prep Workbook. We cannot emphasize how leading this is to passing. It's approximately too simple, yet license candidates tend to dismiss the effectiveness of practices exams. Don'T.
A typical exam prep workbook is jammed with up to 1,000 questions and answers, i.e.practice exams. Of course, there are practice exams, and there are practice exams. As I said, find a proven principles and Allow Up To Two Weeks To Fully realize And Recall The Questions And Answers In Their Worbook. naturally reading the workbook one or two times is Not Enough. Study and recall Every examine at least 10 times or more. If you are getting the same questions wrong, highlight them and study them even more.
Don't agenda The Exam Early
Don't agenda the State Exam until you have time to study your Exam Prep Workbook practice Exams. Your boss and others may be pressuring you to take the State Exam Asap after your online training, but until you can recall the questions and answers, your chances of passing are slim
Well, that's it . . You now know how to pass the assurance License Exam. But, I have a warning: If your mental focus is just to pass the exam, you need to re-focus. Plenty of citizen pass their exam only to lose their license or get sued manufacture unintelligent mistakes. Knowing the answers to a bunch of exam questions is not adequate . . . You have to know what you are doing with that license and you need to gain a sense of responsibility and ethics to win customers and stay out of trouble. While these are not the subject covered here, know that they are as much a part of your work as getting your license. So, refer to your pre-license procedure materials for basic knowledge and use them for reference often. always advance your knowledge and keep up on current events in the industry.
I wish you the best of luck in a very rewarding field.
Secrets to Passing the California guarnatee License Exam
No comments:
Post a Comment