Life & Health

L&H PLATINUM

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L&H Gold Plus Live

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L&H Gold Plus

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L&H Gold

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L&H Silver

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L&H Bronze

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Property & Casualty

P&C PLATINUM

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P&C Gold Plus Live

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P&C Gold Plus

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P&C Gold

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P&C Silver

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P&C Bronze

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Adjusters

GOLD Adjusters

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PLATINUM Adjusters

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L&H: Medicare

L&H: Medicare

Medicare Medicare is a government program to help people with medical expenses. It is composed of 4 PARTS. Part A: helps pay hospital bills. Part B: helps pay Dr. bills. Part C: is a program called Medicare Advantage. Part D: helps pay for prescriptions drugs. The...
L&H: Medicare

L&H: EXCEPT Questions

EXCEPT Questions When you see a question that says all of the following are true EXCEPT, it’s basically asking what is false. When I see questions like this, I recommend reading it without the word EXCEPT. As soon as I eliminate the word except, I know now that...
L&H: Medicare

L&H: Dental Definitions

Dental Definitions   Restorative – RESTORES teeth   Oral Surgery: Prosthodontics – Prosthetic/Fake/Dentures Endodontics – INside the teeth Periodontics – Perimeter of the teeth Orthodontics – Outside of teeth/On top of teeth Basic...
L&H: Medicare

L&H: HSA, FSA, HRA & MSA

HSA, FSA, HRA & MSA Most likely going to be tested on: HSA – Health Savings Account A way to save money, before taxes, to help pay for medical costs. You MUST have a High Deductible Health Plan to qualify for an HSA. The money can roll over year to year. If...
L&H: Medicare

P&C: Loss Valuation ACV/RC/Premium

Loss Valuation ACV/RC/Premium When you select a policy, you select in advance how the policy will pay out if a loss occurred. The two most common are: ACV = Actual Cash Value RC = Replacement Cost Actual Cash Value is Replacement cost MINUS depreciation. ACV With ACV,...
L&H: Medicare

P&C: Bonds

Bonds What is a Bond Bonds are a way of making a promise and showing that someone will vouch for you on that promise. Let’s say you’re a contractor and you repair kitchens. When a customer asks “How do I know you will do a good job? How can I know I can trust you?”...