Originally Posted by patc
That's a pretty good idea. It stinks that they only tell you the category of the ones you missed though and not list the actual questions that you got wrong. I feel like the ones I missed were the double negative questions that are always worded confusingly.
Yes, those questions do 'feel' like a double negative. But, believe it or not it is the straight up answer. Your head is just blown up right now & you are focusing on what you learned from the class. You need to flip it backward, and focus on the Book.
For instance, in the class the questions were pretty basic. Such as in distinguishing between coverage A-G on Farms. One would learn that A refers to dwellings, or C is household private property, etc. We really weren't asked on the 'details of each coverage.'
On the State test, I had one on Farm Coverage that the answer was silos
"REFERING to Coverage G." You truly have to know by the back of your hand what each coverage from A-G refers to and ALL the ITEMS they refer to
They will pick out that 1 word, in that 1 paragraph & ask you backwards: Silos are covered under Farm Coverage Part what? And they do this type of questioning on EVERYTHING.
They do this with the Bonds, the Mechanical, the HOs, PIP, etc. You have to re-train your mind from the class.
Also, here is another point to learn on how to study: You must 'understand' parts of the book 'together.' Just because a farmer buys insurance for his farm with a Special Form (all perils), doesn't mean he's covered by earthquakes. He must purchase that separately.
When you set your mind to that, and focus on the weak parts of the test, then you will pass with ease.
What I did was make a chart of each type of insurance, and hung them up. I broke everything down in categories & had comparisons of each. I use the SAME CHART - hanging on my wall today - when I'm talking to a client on the phone. It is still useful, until I get YEARS under my belt - like some of these guys here.
As I have said....IT IS ALL in your book. Questions are just more in detail
. Read ALL LINES, every fact is important. Make charts of each type of insurance. Know each - every coverage, and what they include.
These charts took me over 1 week to make, and another week to really study.
Make sure you know ALL exclusions! Sq. footages. The Forms (Builder Risks). Understand all Cancellations for EACH type of policy (make a chart on this). Forget the class.
To be honest, you will be much better in the end, then just 'trying to pass the test.' I'm very strong today when shopping for insurance policies for my customers.
PS. By the way. Relax, and just take my advice on this test. I thought once I passed it, I would be able to sell things right away. That is not true with P&C. You have around 1 year to really get things going. (If you go captive about 2 months to see any type of commissions). And to be honest, we are only using the P&C to get customers. In the Health, there is more money. We have both licenses. With the Health, we have about 7 yearly tests every September.