This bundle provides you with an ALL-EXCLUSIVE OVERVIEW of the most tested topics aligned with your XCEL pre-licensing course on the LIFE & HEALTH INSURANCE EXAMS. 100 days access to 40 hours of L&H curriculum helping you through the maze of terms and definitions, giving you clarity and leaving you confident to take the exam.

GOLD is for those who are struggling to read and understand their pre-licensing course and want to be taught the material with video and visuals as well as be given student notes that go along with the videos. Gold is also great for those of you who need 10 or more points or percentages to pass their exam.

Life and Health

Mutual content: 5 hours 40mins

• General Insurance for Life and Health (some states test on this)
• Completing the Application (Life) / Field Underwriting (Health)
• State Law/Insurance Regulations for Life and Health (also in Silver)

Life

10 hours of Content

• Life Basics (some states test on this)
• Life Provisions, Riders, Options and Exclusions (HIGHLY tested in all states)
• Create an All Types of Life Policies Study Chart 
• Joint Life Insurance Vs Survivorship Life Insurance 
• Business Life Insurance Key Person and Buy Sell
• Term Life vs Whole Life Insurance 
• Term Life Insurance 
• Whole Life Insurance, Loans and Nonforfeiture Options 
• Universal Life Insurance 
• Variable Life Insurance
• Annuities 
• Tax Deferred vs Tax Deductible 
• Qualified Plans 
• Traditional IRA vs Roth IRA 
• Tax Treatment of Life Insurance 
• MEC's and 7 Pay Test

Health

12 hours of Content

• Health Basics (some states test on this)
• Health Provisions (HIGHLY tested in all states)
• Health Vocab: Fee for Service vs PrePaid
• Health Vocab: Benefit Schedule vs URC
• Health Basics: Perils Accident vs Sickness
• Private Vs Government Insurance
• Health Basics: Types of Losses
• Types of Limited Policies
• AD&D Accidental Death and Dismemberment
• Basic Medical vs Major Medical
• Major Medical Plans HMO vs PPO
• Major Medical Plans HMO's
• Major Medical Plans PPO's
• Cost Sharing: Copay, Deductible, Coinsurance, Stop Loss
• Cost Sharing: Deductible and Coinsurance Math
• FSA vs HSA
• Health Insurance: Individual, Group & Franchise
• Group Insurance
• Coordination of Benefits on Group Plans
• COBRA Insurance: Group Continuation
• Contributory vs Non Contributory
• Disability Policies, Taxes, Math Example & Notes
• Tax Deferred vs Tax Deductible
• Long Term Care: Intro, Levels of Care, Optional Benefits, Unintentional Lapse and Exclusions
• Social Insurance Medicare vs Medicaid
• Medicare Eligibility and Enrollment Periods
• Parts of Medicare
• Medicare vs Medicare Supplement