I have taken the ad banker class, read the book and did everything they said. I stilled failed the Virginia State Exam. Any help on what to do would be great! John
Total Comments: 11
Posted: Wed Apr 22, 2009 02:02 am Post Subject:
I took the Florida Adjusters exam many years ago. I failed the 1st time and passed the 2nd. This was typical for most people and it was no unusual for people to perhaps fail more then once.
At least with the FL exam the questions are worded in such a way that they are difficult even though it's still multiple choice. It was not as simple as guessing the answer.
Now that you have an idea of what they are looking for, study some more and take the again. Does anyone offer flash cards? If so, these are _extremely_ helpful. They have questions, usually from prior tests, on them so you can get a good idea as to what you know and don't know.
Posted: Wed Apr 22, 2009 05:48 am Post Subject:
AD Banker is one of my competitors where I work, and at times the material they present is somewhat lacking in test content knowledge, so to speak. They're a good company and do many things well, but I have heard similar issues from other prelicense students who have used their material. I'm sorry to hear of your issues with the exam.
I have to take exception to tcope's comment on this...
I failed the 1st time and passed the 2nd. This was typical for most people and it was no unusual for people to perhaps fail more then once.
tcope, I respect your knowledge greatly, but on this one- I cannot agree. If I had a dollar for everytime I've heard something along the lines of "everyone fails their first time" I could pay off my mortgage. The fact is, most people do NOT fail the first time they test. Does it happen? Absolutely it happens. Is it failure on the part of the student? Occasionally, it is. Lazy students who don't study properly or spend enough time preparing will most likely fail. Usually however, it's the instructional materials, not the student, and therefore a failure on the educational provider. I have statistics for my company's prelicense program and can prove a first-time pass rate in excess of 88%! No brag, just fact.
This prelicense stuff can be murder, and to many people it's a foreign language. There are ways to optimize your chances of passing the test, and it lies in understanding what the heck they are trying to do to you! tcope's statement about the language on the test can be confusing is an understatement! Heck, at times just trying to figure out what they're asking you can be a pain in the backside! :!:
Virginia is a Pearson-Vue state. This is the company that the Va. Insurance Division contracted with to test their prelicense candidates. I have a tremendous amount of experience with Pearson-Vue as I have worked with their testing program for more than 8 years. I can help you pass, guaranteed, but this forum isn't the place to hawk your professional wares, and trolling for customers isn't in the spirit of this forum.
So...tell ya what! Contact me via PM and look at my Expert Profile (see links to the Experts Corner on the RH side of the page) and we'll figure out a way outside of the forum to get you the help you need. I hope, as an esteemed Expert here, that I'm not breaking any forum TOS stuff in this post! :oops:
Not being sure what line of authority you're testing for, that would help if you'd let me know! P&C, Life and Health? Consultant? Adjuster?
Since more than 66% of prelicense students are life and health, hows this sound?
X bought a life insurance policy with a face amount of $100,000 and named her husband, Y, the primary beneficiary. Several years later, X and Y got divorced, and several years after that, X died. What was the amount paid to the beneficiary Y?
A. Nothing, as the insurable interest did not exist at the time of Xs death.
B. $100,000
C. A return of premium
D. Since the divorce, Xs estate automatically became the beneficiary and received the death benefit.
Which of the following tests for HIV cannot detect the disease?
A. Urine
B. Blood
C. Hair
D. Saliva
If you're curious, the answers are B and C. The insurable interest in life and health insurance need only exist at the time of purchase, application and issuance of a policy, and need not exist thereafter. It doesn't matter diddly-squat what happened after the purchase. (Now, certain states have laws that differ here) And hair cannot be tested to detect the presence of HIV antibodies.
Get in touch if you want help, ok?
InsTeacher 8)
Posted: Wed Apr 22, 2009 08:57 am Post Subject:
We tend to trust institutions which are recommended to us by our kins but it may not do the required trick for us as well. I further agree with teacher when he says that students partially (if not entirely) are responsible for the outcomes of the exams. But certainly there are some ways available to judge the right place to enroll with.
How should one go about choosing the right institution for their licensing exams?
Posted: Wed Apr 22, 2009 12:34 pm Post Subject:
Guys, if the pre-licensing stuff is tough, I think it's done to keep only the truly knowledgeable people in the business. But there's a difference between being 'tough to test' and being 'weird'. I think the institutions have been diverted from their goals.
Posted: Thu Apr 23, 2009 05:02 am Post Subject:
Every state with prelicense study requirements is a bit different, but most of the study material is pretty much the same regardless of the exam provider. The two main testing providers are Thompson-Prometric and Pearson-Vue (formerly known as "Promissor") There are a few states that do their own testing, and a few "Insurance Testing Corporation (ITC) states. Each state decides their own content outline, but again- they're all pretty much the same, again- in terms of content, not the test itself. Pearson-Vue seems to be the easiest and Prometric seems to be the most difficult.
I would suggest checking around for providers that have good recommendations from former students. There are a few that I would stay away from regardless, and I'm hesitant to throw them under a bus. There are lots of states now that allow prelicense training to be done completely online without any classroom instruction at all. This is ok for some people, and we normally recommend you only do it online if you have experience in the industry and are familiar with the terminology. Frankly, the key to classroom instruction is having an instructor that is familiar with the test in that state, has taken the test in that state, and knows where specifically to point their students in reference to info in their materials that's pertinent to the test.
We approach the licensing process on a multi-discipline level. We learned a long time ago that it's a building process for the student, and we have constructed our program accordingly. We spend vast amounts of time tweaking our programs to make sure that they are current and germaine. Many providers only update their materials every few years, usually when the test content changes. Not us...we hear of something on the test and we immediately attach that information to our materials. I never want to hear from a students anything along the lines of "I saw stuff on the test that wasn't touched in your materials." That's nothing but pure lazy on the part of the educational provider. FIX YOUR DARN MATERIALS!!
In a classroom, the instructor makes all of the difference in the world. If the teacher bores the daylights out of the class, the students will tune out. If the teach can't relate the material to the studen't learning curve, that's not good. It's not just the material...it's how it's taught.
InsTeacher 8)
Posted: Thu Apr 23, 2009 01:44 pm Post Subject:
Frankly, the key to classroom instruction is having an instructor that is familiar with the test in that state, has taken the test in that state, and knows where specifically to point their students in reference to info in their materials that's pertinent to the test.
There are too many advantages of staying in touch with someone so experienced. You could always ask him regarding different scenarios as well as verify whether your views are correct or not. His guidance would contribute largely towards shaping your knowledge base. Steven
Posted: Fri Apr 24, 2009 09:33 am Post Subject:
Hi,
You could always ask him regarding different scenarios as well as verify whether your views are correct or not.
Knowledge really counts over here. You will need to get the state laws at your finger tips. Again, you'll need to mug up so many things that it would seem a lot easier with someone's guidance.
Roddick
Posted: Sat Apr 25, 2009 12:34 pm Post Subject:
Again, you'll need to mug up so many things that it would seem a lot easier with someone's guidance.
As someone rightly said that the person has to be familiar with the kind of test in that particular state, you'll get a hang of the type of queries and problems that you're gonna face during your test. This would certainly save a lot of time rather than studying alone and wondering without a hint! Steven
Posted: Thu Mar 24, 2011 02:26 pm Post Subject: NKTAvVjunZj
Exam.. Peachy :)
Posted: Fri Apr 22, 2011 09:44 am Post Subject: hbnfIRxzHXRQX
Posted: Wed Apr 22, 2009 02:02 am Post Subject:
I took the Florida Adjusters exam many years ago. I failed the 1st time and passed the 2nd. This was typical for most people and it was no unusual for people to perhaps fail more then once.
At least with the FL exam the questions are worded in such a way that they are difficult even though it's still multiple choice. It was not as simple as guessing the answer.
Now that you have an idea of what they are looking for, study some more and take the again. Does anyone offer flash cards? If so, these are _extremely_ helpful. They have questions, usually from prior tests, on them so you can get a good idea as to what you know and don't know.
Posted: Wed Apr 22, 2009 05:48 am Post Subject:
AD Banker is one of my competitors where I work, and at times the material they present is somewhat lacking in test content knowledge, so to speak. They're a good company and do many things well, but I have heard similar issues from other prelicense students who have used their material. I'm sorry to hear of your issues with the exam.
I have to take exception to tcope's comment on this...
I failed the 1st time and passed the 2nd. This was typical for most people and it was no unusual for people to perhaps fail more then once.
tcope, I respect your knowledge greatly, but on this one- I cannot agree. If I had a dollar for everytime I've heard something along the lines of "everyone fails their first time" I could pay off my mortgage. The fact is, most people do NOT fail the first time they test. Does it happen? Absolutely it happens. Is it failure on the part of the student? Occasionally, it is. Lazy students who don't study properly or spend enough time preparing will most likely fail. Usually however, it's the instructional materials, not the student, and therefore a failure on the educational provider. I have statistics for my company's prelicense program and can prove a first-time pass rate in excess of 88%! No brag, just fact.
This prelicense stuff can be murder, and to many people it's a foreign language. There are ways to optimize your chances of passing the test, and it lies in understanding what the heck they are trying to do to you! tcope's statement about the language on the test can be confusing is an understatement! Heck, at times just trying to figure out what they're asking you can be a pain in the backside! :!:
Virginia is a Pearson-Vue state. This is the company that the Va. Insurance Division contracted with to test their prelicense candidates. I have a tremendous amount of experience with Pearson-Vue as I have worked with their testing program for more than 8 years. I can help you pass, guaranteed, but this forum isn't the place to hawk your professional wares, and trolling for customers isn't in the spirit of this forum.
So...tell ya what! Contact me via PM and look at my Expert Profile (see links to the Experts Corner on the RH side of the page) and we'll figure out a way outside of the forum to get you the help you need. I hope, as an esteemed Expert here, that I'm not breaking any forum TOS stuff in this post! :oops:
Not being sure what line of authority you're testing for, that would help if you'd let me know! P&C, Life and Health? Consultant? Adjuster?
Since more than 66% of prelicense students are life and health, hows this sound?
X bought a life insurance policy with a face amount of $100,000 and named her husband, Y, the primary beneficiary. Several years later, X and Y got divorced, and several years after that, X died. What was the amount paid to the beneficiary Y?
A. Nothing, as the insurable interest did not exist at the time of Xs death.
B. $100,000
C. A return of premium
D. Since the divorce, Xs estate automatically became the beneficiary and received the death benefit.
Which of the following tests for HIV cannot detect the disease?
A. Urine
B. Blood
C. Hair
D. Saliva
If you're curious, the answers are B and C. The insurable interest in life and health insurance need only exist at the time of purchase, application and issuance of a policy, and need not exist thereafter. It doesn't matter diddly-squat what happened after the purchase. (Now, certain states have laws that differ here) And hair cannot be tested to detect the presence of HIV antibodies.
Get in touch if you want help, ok?
InsTeacher 8)
Posted: Wed Apr 22, 2009 08:57 am Post Subject:
We tend to trust institutions which are recommended to us by our kins but it may not do the required trick for us as well. I further agree with teacher when he says that students partially (if not entirely) are responsible for the outcomes of the exams. But certainly there are some ways available to judge the right place to enroll with.
How should one go about choosing the right institution for their licensing exams?
Posted: Wed Apr 22, 2009 12:34 pm Post Subject:
Guys, if the pre-licensing stuff is tough, I think it's done to keep only the truly knowledgeable people in the business. But there's a difference between being 'tough to test' and being 'weird'. I think the institutions have been diverted from their goals.
Posted: Thu Apr 23, 2009 05:02 am Post Subject:
Every state with prelicense study requirements is a bit different, but most of the study material is pretty much the same regardless of the exam provider. The two main testing providers are Thompson-Prometric and Pearson-Vue (formerly known as "Promissor") There are a few states that do their own testing, and a few "Insurance Testing Corporation (ITC) states. Each state decides their own content outline, but again- they're all pretty much the same, again- in terms of content, not the test itself. Pearson-Vue seems to be the easiest and Prometric seems to be the most difficult.
I would suggest checking around for providers that have good recommendations from former students. There are a few that I would stay away from regardless, and I'm hesitant to throw them under a bus. There are lots of states now that allow prelicense training to be done completely online without any classroom instruction at all. This is ok for some people, and we normally recommend you only do it online if you have experience in the industry and are familiar with the terminology. Frankly, the key to classroom instruction is having an instructor that is familiar with the test in that state, has taken the test in that state, and knows where specifically to point their students in reference to info in their materials that's pertinent to the test.
We approach the licensing process on a multi-discipline level. We learned a long time ago that it's a building process for the student, and we have constructed our program accordingly. We spend vast amounts of time tweaking our programs to make sure that they are current and germaine. Many providers only update their materials every few years, usually when the test content changes. Not us...we hear of something on the test and we immediately attach that information to our materials. I never want to hear from a students anything along the lines of "I saw stuff on the test that wasn't touched in your materials." That's nothing but pure lazy on the part of the educational provider. FIX YOUR DARN MATERIALS!!
In a classroom, the instructor makes all of the difference in the world. If the teacher bores the daylights out of the class, the students will tune out. If the teach can't relate the material to the studen't learning curve, that's not good. It's not just the material...it's how it's taught.
InsTeacher 8)
Posted: Thu Apr 23, 2009 01:44 pm Post Subject:
Frankly, the key to classroom instruction is having an instructor that is familiar with the test in that state, has taken the test in that state, and knows where specifically to point their students in reference to info in their materials that's pertinent to the test.
There are too many advantages of staying in touch with someone so experienced. You could always ask him regarding different scenarios as well as verify whether your views are correct or not. His guidance would contribute largely towards shaping your knowledge base. Steven
Posted: Fri Apr 24, 2009 09:33 am Post Subject:
Hi,
You could always ask him regarding different scenarios as well as verify whether your views are correct or not.
Knowledge really counts over here. You will need to get the state laws at your finger tips. Again, you'll need to mug up so many things that it would seem a lot easier with someone's guidance.
Roddick
Posted: Sat Apr 25, 2009 12:34 pm Post Subject:
Again, you'll need to mug up so many things that it would seem a lot easier with someone's guidance.
As someone rightly said that the person has to be familiar with the kind of test in that particular state, you'll get a hang of the type of queries and problems that you're gonna face during your test. This would certainly save a lot of time rather than studying alone and wondering without a hint! Steven
Posted: Thu Mar 24, 2011 02:26 pm Post Subject: NKTAvVjunZj
Exam.. Peachy :)
Posted: Fri Apr 22, 2011 09:44 am Post Subject: hbnfIRxzHXRQX
Exam.. Super :)
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