Master new skills with expert-led instruction. Get 100% OFF with verified coupons and earn your certificate.

This free coupon is no longer active. Please check Udemy for the current price and available discounts.
Lifetime access β’ Certificate included
The Life and Health insurance exam is a combined test that covers a broad range of topics. Just like other insurance exams, the exact distribution of questions is not standardized and varies by state. However, the exam is consistently structured around a national portion and a state-specific portion, with the national section being the bulk of the material.Here is a general, approximate distribution of the topics on the national portion of the Life and Health insurance exam, based on common content outlines from major exam providers.Life and Health Insurance Exam Topics and Distribution (National Portion)1. General Insurance Concepts (~10-15%)Fundamental Principles: What is insurance, risk, peril, hazard.Contract Law: The basic elements of a valid contract as they apply to insurance (offer and acceptance, consideration, legal purpose, competent parties).The Insurance Marketplace: Different types of insurers (stock vs. mutual), the role of agents and brokers, and basic insurance marketing practices.Federal Regulations: Key laws and regulations like HIPAA and the Fair Credit Reporting Act (FCRA).2. Life Insurance Policies and Provisions (~25-30%)Types of Life Insurance: Term life (level, decreasing, increasing), whole life (straight, limited payment, single premium), universal life, and variable life.Policy Provisions & Clauses: This is a heavily tested area. You must know about the grace period, incontestability clause, reinstatement, misstatement of age, and assignment.Riders and Options: Common riders like waiver of premium, accidental death benefit, guaranteed insurability, and payor benefit. Also includes nonforfeiture options (cash surrender value, extended term, reduced paid-up insurance), dividend options, and settlement options.Group Life Insurance: The difference between group and individual policies, underwriting, and conversion rights.3. Annuities and Other Retirement Concepts (~10-15%)Annuity Basics: How annuities work, their purpose, and different classifications (fixed vs. variable, immediate vs. deferred, single vs. flexible premium).Qualified Plans: The basics of qualified retirement plans like 401(k)s, 403(b)s, and IRAs.Taxation: The tax treatment of premiums, policy proceeds, dividends, and annuities.4. Health Insurance Policies and Provisions (~25-30%)Types of Health Insurance: Major medical plans (HMOs, PPOs), disability income, dental, vision, and long-term care insurance.Policy Provisions & Clauses: This is also a critical section. You will be tested on mandatory and optional provisions, such as the grace period, reinstatement, incontestability, and relation of earnings to insurance.Medical Expense and Managed Care: Understanding deductibles, copayments, coinsurance, and the differences between various managed care plans.Specialty Policies: Knowledge of Medicare supplements (Medigap) and Medicare Advantage (Part C).5. Underwriting and Producer Responsibilities (~10-15%)The Application Process: The responsibilities of an agent in taking an application and collecting premiums.Underwriting: How insurers evaluate risk, the role of the Medical Information Bureau (MIB), and different risk classifications (standard, preferred, substandard).Ethics and Regulations: The professional and ethical conduct of an agent, including prohibited practices like misrepresentation, twisting, and rebating.
Limited-Time Offer: This Business/Industry Udemy course is now available completely free with our exclusive 100% discount coupon code. Originally priced at $44.99, you can enroll at zero cost and gain lifetime access to professional training. Don't miss this opportunity to master life and health insurance licensing concepts without spending a dime!
This comprehensive free online course on Udemy covers everything you need to become proficient in life and health insurance licensing. Whether you're a beginner or looking to advance your skills, this free Udemy course with certificate provides hands-on training and practical knowledge you can apply immediately.
This free certification course is perfect for anyone looking to break into the insurance industry or enhance their existing skills. Here's who will benefit most from this no-cost training opportunity:
Learn from Bharvi Consulting, an experienced professional in insurance education and training. With a proven track record of helping students succeed on their licensing exams, Bharvi Consulting brings real-world industry knowledge and effective teaching methods to ensure your success. Their practical approach focuses on the exact concepts tested on state exams, giving you the confidence to pass on your first attempt.
With an impressive 0.0 rating and 54 students already enrolled, this Udemy free course has proven its value. The course includes 0 comprehensive lessons and X hours of video tutorials, all taught in English. What sets this free online course apart is its laser-focused content on exactly what's tested on life and health insurance licensing exams. Upon completion, you'll receive a certificate to showcase on LinkedIn and your resume. Plus, with mobile access, you can learn anytime, anywhereβperfect for busy professionals. This Business course in the Industry niche is regularly updated and includes lifetime access, meaning you can revisit materials whenever you need a refresher.
Follow these simple steps to claim your free enrollment:
β οΈ Important: This free Udemy coupon code expires on September 4, 2025. The course will return to its regular $44.99 after this date, so enroll now while it's completely free. This is a legitimate, working couponβno credit card required, no hidden fees, no trial periods. Once enrolled, the course is yours forever.
Here's why this free certification course is an opportunity you can't afford to miss: First, insurance agents with proper licensing earn median salaries over $50,000 annually with unlimited earning potential through commissions. Second, this comprehensive exam prep saves you hundreds in study materials while providing structured, proven content. Third, the insurance industry consistently adds thousands of new jobs each year, making this a recession-resistant career choice. Finally, mastering these concepts not only helps you pass the exam but also builds the foundation for a successful, ethical insurance practice that genuinely helps clients protect their families and futures.
Yes! By using our exclusive coupon code COUPON-1, you get 100% off the regular $44.99 price. This makes the entire course completely freeβno payment required, no trial period, and no hidden costs. You'll have full access to all course materials just like paying students.
This limited-time offer expires on September 4, 2025 at 3:35 PM UTC. After this date, the course returns to its regular $44.99 price. We highly recommend enrolling immediately to secure your free access. The coupon has limited redemptions available.
Absolutely! Upon completing all course requirements, you'll receive an official Udemy certificate of completion. This certificate can be downloaded, shared on LinkedIn, and added to your resume to showcase your new skills to employers.
Yes! This course is fully compatible with the Udemy mobile app for iOS and Android. Download the app, enroll with the free coupon, and learn on-the-go. You can watch videos, complete exercises, and track your progress from any device.
Once you enroll using the free coupon code, you get lifetime access to all course materials. There's no time limitβlearn at your own pace, revisit lessons anytime, and benefit from future updates at no additional cost. Your one-time free enrollment gives you permanent access.
Yes! Using our verified coupon code, you can enroll for 100% OFF. No hidden charges.
Upon completion of all video lectures, Udemy will issue a certificate of completion.
Once you enroll with the coupon, you get full lifetime access to the materials.


