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The Life & Health Producer Exam Review That Puts Look-Alike Terms and Deadlines Side by Side One Drawing per Concept, With CHECK YOUR STATE Boxes

Term, whole and universal life, grace period, free look and reinstatement, annuities, COBRA, Medicare and Medigap: each topic fits on one page, with the drawing and what you need to remember. It covers the general exam content. Where a number changes by state, a box tells you what to look up. 74 drawn pages.

I WANT TO STUDY WITH DRAWINGS

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One topic per pagethe drawing teaches you the rule and the text backs it up
74 drawn pages9 parts, from how the exam works to exam day
Up-to-date sourcesNAIC model rules, dol.gov and medicare.gov

This Is What the Pages You Will Study Look Like

One topic per page, with a drawing that shows you how it works and boxes with what you need to know, including CHECK YOUR STATE boxes wherever a number changes:

Connecticut 150 questions, California 75 per exam, Georgia 70% to pass: there is no national score.
Connecticut 150 questions, California 75 per exam, Georgia 70% to pass: there is no national score.
Term, whole, universal and variable compared on premium, death benefit, cash value and investment risk.
Term, whole, universal and variable compared on premium, death benefit, cash value and investment risk.
One timeline for four stops; New York's life grace period is 31 days, or 61 for flexible-premium policies.
One timeline for four stops; New York's life grace period is 31 days, or 61 for flexible-premium policies.
Same family, two splits: per stirpes pays 1/3, 1/3, 1/6, 1/6; per capita pays 1/2 and 1/2.
Same family, two splits: per stirpes pays 1/3, 1/3, 1/6, 1/6; per capita pays 1/2 and 1/2.
Under 26 USC 7702A, premiums above the 7-payment limit in the first 7 years make the contract a MEC.
Under 26 USC 7702A, premiums above the 7-payment limit in the first 7 years make the contract a MEC.
Bronze 60, Silver 70, Gold 80, Platinum 90; Catastrophic only under 30 or with an exemption.
Bronze 60, Silver 70, Gold 80, Platinum 90; Catastrophic only under 30 or with an exemption.
COBRA: 18, 29 or 36 months; 20+ employees; up to 102% or 150%; 60 and 45 days.
COBRA: 18, 29 or 36 months; 20+ employees; up to 102% or 150%; 60 and 45 days.
A hospital, B medical, C private bundle, D drugs. Original Medicare = A + B.
A hospital, B medical, C private bundle, D drugs. Original Medicare = A + B.

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These are real pages from the book. The table of contents is the full one: 9 parts and 69 topics.

Term, Whole, Universal. By Midnight, They're One Word.

You've read the term life section three times. You close your notes...

...and you can't say what level, decreasing, renewable and convertible each mean. It was all just lines of text.

One timeline for four stops; New York's life grace period is 31 days, or 61 for flexible-premium policies.

Here, term life is one page: two shapes for the benefit, level and decreasing, and two rights, renewable and convertible, that need no new evidence of insurability.

And on the pages next to it, every policy gets its own: whole life and cash value, universal life, variable life, and joint and group life.

First you understand why it works that way. Then you remember the differences on your own.

SEE THE DIFFERENCE

Stop memorizing rules you can't picture:

THIS
  • Pages and pages of tightly packed text
  • Look-alike terms without a single drawing
  • On the exam, you don't know where to start
For purposes of insurance, risk is defined as the uncertainty or chance of a financial loss occurring, whereas a peril is understood to be the immediate cause of such loss, including events such as death, illness or accident. A hazard, by contrast, constitutes any condition or circumstance that increases the probability or severity of loss and may be classified as physical, moral or morale in nature. Candidates should take care to distinguish among these related terms, as each carries a specific meaning.
FOR THIS
  • Risk, peril and hazard on one page: the chance, the cause, what makes loss likelier
  • One topic per page, with the rules in boxes
  • You remember it because you've seen it
Term, whole, universal and variable compared on premium, death benefit, cash value and investment risk.
CONTENTS

Take a Look at the 9 Parts and 69 Topics

The exam and how it works, insurance basics, life policies, application and delivery, provisions and riders, annuities, taxes and retirement, health insurance, seniors and social insurance, and final review: 74 pages, all drawn

IThe Exam and How It Works · pp. 6-10
  1. How the Producer Exam Is Built
  2. Check Your State: Format, Score, Retakes
  3. Lines of Authority: Life vs Accident and Health
  4. Nonresident License and Reciprocity
  5. How to Read NOT, EXCEPT and ALL OF THE FOLLOWING
IIInsurance Basics · pp. 11-20
  1. Risk, Peril and Hazard
  2. Avoid, Reduce, Retain, Transfer
  3. The Law of Large Numbers
  4. Stock vs Mutual, Admitted vs Nonadmitted
  5. Express, Implied and Apparent Authority
  6. The Four Elements of a Contract
  7. Adhesion, Aleatory, Unilateral, Conditional
  8. Warranty, Representation, Concealment
  9. Who Regulates: The State, the Commissioner, the NAIC
  10. Twisting, Rebating and Misrepresentation
IIILife Policies · pp. 21-26
  1. Term: Level, Decreasing, Renewable, Convertible
  2. Whole Life and Cash Value
  3. Universal Life and Its Two Death Benefit Options
  4. Variable and Variable Universal Life
  5. Four Policies, Side by Side
  6. Joint, Survivorship and Group Life
IVApplication, Underwriting and Delivery · pp. 27-34
  1. Insurable Interest: When It Must Exist
  2. The Application and Who Signs
  3. Field Underwriting and the Agent's Report
  4. FCRA: Consumer Reports and Adverse Action
  5. Conditional Receipt and Effective Date
  6. Policy Delivery and the Free Look
  7. Replacement: Who Gets Notified
  8. Illustrations: What They May Show
VProvisions, Options and Riders · pp. 35-43
  1. Entire Contract and Incontestability
  2. Grace Period and Reinstatement on One Timeline
  3. Misstatement of Age or Sex
  4. Beneficiaries: Primary, Contingent, Revocable
  5. Nonforfeiture: Cash, Reduced Paid-Up, Extended Term
  6. Dividend Options
  7. Settlement Options
  8. Waiver of Premium and Accidental Death
  9. Guaranteed Insurability and Accelerated Benefits
VIAnnuities, Taxes and Retirement · pp. 44-52
  1. Accumulation vs Annuitization
  2. Immediate vs Deferred
  3. Fixed, Variable and Indexed
  4. Annuity Payout Options
  5. Best Interest: The Four Obligations
  6. Life Insurance Taxes: The Death Benefit
  7. The 7-Pay Test and the MEC
  8. Early Withdrawals: The 10% Tax
  9. Qualified Plans and ERISA
VIIHealth Insurance · pp. 53-64
  1. Deductible, Copay, Coinsurance, Out-of-Pocket
  2. HMO, PPO and POS
  3. Major Medical and Hospital Plans
  4. The ACA Metal Tiers
  5. The 10 Essential Health Benefits
  6. Disability Income: Own Occupation vs Any
  7. Required Provisions in a Health Policy
  8. Group Health and Coordination of Benefits
  9. COBRA: 18, 29, 36
  10. HIPAA: What the Law Covers
  11. HSA Basics
  12. Dental and Long-Term Care
VIIISeniors and Social Insurance · pp. 65-70
  1. Medicare Parts A, B, C and D
  2. Medicare Enrollment: The 7-Month Window
  3. Medigap: The Standard Plans
  4. Medigap Open Enrollment
  5. Medicaid vs Medicare
  6. Social Security and Workers' Comp
IXFinal Review and Exam Day · pp. 71-74
  1. Look-Alike Terms, Side by Side
  2. The Most Frequent Mix-Ups
  3. Your State Sheet: The Numbers to Fill In
  4. Exam Day Checklist

What If Every Topic Fit on a Single Page?

Picture this:

Instead of rereading half a page on the grace period and reinstatement without being able to picture them...

...you open the page and find both on one timeline, left to right, with a blank for your state's number.

Under 26 USC 7702A, premiums above the 7-payment limit in the first 7 years make the contract a MEC.

And the four life policies, annuity payouts, COBRA, the Medicare parts and Medigap turn into drawings and tables you can read at a glance.

You stop memorizing and start understanding.

That's exactly what The Life & Health Exam Sketchbook does. It's not “just another manual.” It's 9 parts and 69 drawn topics, and at the end a State Sheet to fill in and an exam day checklist.

Because what your brain sees organized, it remembers.

Here Is What You Get with The Life & Health Exam Sketchbook:

Ipp. 6-10

The Exam and How It Works

Know how your exam works before you take it: how the producer exam is set up, where to check your state's format, passing score and retakes, lines of authority, nonresident licenses, and how to read NOT and EXCEPT questions.

IIpp. 11-20

Insurance Basics

The vocabulary everything else rests on: risk, peril and hazard, the four ways to handle risk, types of insurers, agent authority, contracts, who regulates, and twisting and rebating.

IIIpp. 21-26

Life Policies

Stop mixing up the policies: term, whole, universal and variable life, four policies side by side, and joint, survivorship and group life.

IVpp. 27-34

Application, Underwriting and Delivery

Follow a policy from application to delivery: insurable interest, the application, field underwriting, FCRA, conditional receipt, delivery and free look, replacement and illustrations.

Vpp. 35-43

Provisions, Options and Riders

See the clauses and deadlines clearly: incontestability, grace period and reinstatement, beneficiaries, nonforfeiture, dividend and settlement options, and the main riders.

VIpp. 44-52

Annuities, Taxes and Retirement

Make the technical part make sense: annuity phases, types and payouts, best interest, life insurance taxes, the 7-pay test and the MEC, the 10% tax and ERISA.

VIIpp. 53-64

Health Insurance

Tell health plans apart at a glance: cost sharing, HMO, PPO and POS, the ACA metal tiers, essential health benefits, disability income, COBRA, HIPAA, HSAs, dental and long-term care.

VIIIpp. 65-70

Seniors and Social Insurance

Keep the letters and programs straight: the Medicare parts and enrollment, Medigap, Medicaid, Social Security and workers' comp.

IXpp. 71-74

Final Review and Exam Day

Your last review, ready to print: look-alike terms side by side, the most frequent mix-ups, your State Sheet to fill in and an exam day checklist.

At the end of the book: CHECK YOUR STATE boxes, a State Sheet to fill in and an exam day checklist.

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And That Is Not All: 2 More Books, Free

300 Exam Terms on Cards

BONUS 1: «300 Exam Terms on Cards»

Value on its own: US$ 17.90

Printable cards with the term on the front and a one-line definition plus a tiny sketch on the back, so you can review vocabulary whenever you have a few minutes.

Policy Provisions Timelines

BONUS 2: «Policy Provisions Timelines»

Value on its own: US$ 14.90

Grace, reinstatement, free look, incontestability and more drawn as timelines you fill in with your state's numbers, so you practice placing each deadline in order.

The Life & Health Exam Sketchbook + 2 Free Books

  • The Life & Health Exam Sketchbook: 74 drawn pagesUS$ 63
  • BONUS 1: 300 Exam Terms on CardsUS$ 17.90
  • BONUS 2: Policy Provisions TimelinesUS$ 14.90
  • High-resolution PDF to printIncluded
Total value US$ 95.80
YOUR PRICE:
US$ 27
You save US$ 68.80
YES, I WANT THE LIFE & HEALTH EXAM SKETCHBOOK FOR US$ 27

📄 This is a digital PDF book sent to your email: nothing is printed or shipped.

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PDF by email: The Life & Health Exam Sketchbook reaches your inbox as a PDF, and the two free books come by email too. One-time payment, no installments or hidden costs.

Is This Book for You?

You finished pre-licensing and you work full time

You finished pre-licensing and you work full time

What you studied, back in order, one page at a time: the policies side by side and the deadlines on a timeline.

Your exam date is getting close

Your exam date is getting close

A review of the general exam content, plus a State Sheet to fill in with the numbers from your state insurance department and candidate handbook.

You're retaking the exam

You're retaking the exam

Another way to see the technical topics, like life insurance taxes, the 7-pay test and the MEC. Same content, drawn instead of written out. If state law was your weak spot, this book doesn't cover it state by state: use your state's materials for that part.

To Sum Up: Here Is What You Get

US$ 95.80US$ 27
YES, I WANT THE LIFE & HEALTH EXAM SKETCHBOOK FOR US$ 27

📄 This is a digital PDF book sent to your email: nothing is printed or shipped.

30DAYS
GUARANTEE

30-Day Guarantee

30-day guarantee: tell us what didn't work and we'll refund 100%.

You have 30 days to try The Life & Health Exam Sketchbook and the two free bonus books. Tell us what didn't work (a file that won't open, content that isn't what this page describes, or a book that didn't help you study) and we'll refund 100% of what you paid. One-time payment, no subscription.

Frequently Asked Questions

How do I get the material?

The Life & Health Exam Sketchbook comes as a high-resolution PDF by email, sent to the address you enter at checkout. The two free bonus books, 300 Exam Terms on Cards and Policy Provisions Timelines, also come as PDFs by email.

Is it a monthly or a one-time payment?

A one-time payment. No installments and no subscription. The extras offered when you pay are optional: you only pay for them if you add them.

Who is it for?

For people who finished pre-licensing and are preparing for the state life and health producer exam, including those studying around a full-time job, and for people retaking it. It starts from insurance basics, so you don't need experience in the business. Check the table of contents above to see the topics.

Does it cover my state?

It covers the general content of the exam. The state law portion of your exam is not covered state by state. Wherever a rule changes between states, a CHECK YOUR STATE box tells you which number to look up and where to find it: your state insurance department and your candidate handbook.

What sources is it based on?

The NAIC State Licensing Handbook and NAIC model rules; state insurance department and exam vendor candidate handbooks; dol.gov for COBRA, ERISA and HIPAA; healthcare.gov; medicare.gov; 26 USC and 15 USC; and 45 CFR 160.103.

Is this official material?

No. It's an independent product, not affiliated with or endorsed by the NAIC, Pearson VUE, Prometric, PSI or any state insurance department.

Does it replace my pre-licensing course?

No. It doesn't replace your course or count toward any required education. It puts what you've studied into drawings so you can review it. It's a study aid, and it can't promise you'll pass.

Are the practice questions the ones on the exam?

No. The book and the two free bonus books aren't question banks. Any practice questions you add to your order are written for this material and are not official exam questions.

Can I print it?

Yes. It's a PDF, so you can print the whole book or just the pages you need. The term cards are printable too.

What if I don't like it?

30-day guarantee: tell us what didn't work and we'll refund 100%.

How do I contact you?

Write to hello@visualguidelab.com. That inbox answers questions about your order, your PDF and the 30-day guarantee.

One Last Thing Before You Decide...

You don't have to reread the same page hoping it sticks this time.

You don't have to memorize rules you can't picture.

And you definitely don't have to walk into the exam not knowing where to start.

One last thing before you decide. You've already put in the hours. What's missing is seeing it in order: 74 drawn pages, one topic per page, plus 2 free bonus books, as a PDF by email.

One-time payment: US$ 27 · Guarantee: 30 days · PDF by email

YES, I WANT THE LIFE & HEALTH EXAM SKETCHBOOK FOR US$ 27

📄 This is a digital PDF book sent to your email: nothing is printed or shipped.