How to pass the insurance exam
What are Insurance Self-Study Pre-Licensing and Insurance Continuing Education Courses (ICEC)?
Self-study Pre-Licensing and Insurance Continuing Education Courses (ICEC) are correspondence programs that may be completed online or by paper. Since no specific classroom time is required, you must pass a multiple-choice exam to assure the NCDOI that sufficient training time was spent and proficiency was attained.
What are the requirements to qualify to become an insurance agent?
The State Department of Insurance designed screening questions in a book called the Candidate Handbook, to establish a standard for insurance agents. Every potential student should review this book. The link to the website is. http://www.asisvcs.com/publications/pdf/123400.pdf
What happens if I don't meet the minimum requirements?
Students who don't meet the minimum requirements should not be discouraged and quit. They may petition the State Department of Insurance for a review. Students should call the Department of Insurance to find out the procedures. 919-807-6800
What license types does Insurance Educators offer training for?
These are the different areas of insurance to be licensed: Life, Health, Property, Casualty, Insurance Adjuster, Personal Lines, and Medicare Supplement/Long Term Care.
After I get my license, what kind of training do I need?
Licensed insurance agents should get a minimum of 24 credit hours of continuing education per compliance period. (See Department of Insurance website for further details.)
Once I get my insurance license, how quickly can I get a job?
Immediately. Students successfully passing the State exam will be considered licensed agents and can begin looking for an insurance position immediately.
Why choose the online program?
Convenience. This distance-learning program allows students to get an insurance license on their terms and time schedule. The program is available to students 24-hours per day, 7 days a week. Students participating in this program will get all of the following materials online: the insurance textbook, quizzes, prelicensing exam and access to the video insurance class. This program was designed to simulate an actual insurance class as if the student were physically there. If students have questions, no problem, students taking the insurance courses will the instructors' email address in order to ask questions. The expected response time is within 24-hours; however, instructors typically respond within a few hours.
Tell me about the instructors.
The instructors facilitating the prelicensing courses have experience in teaching on the college level, co-authored all five insurance books and have practical sales experience. The instructor teaching the Life, Health and Medicare Supplement/Long Term Care classes is the Director and he has 20 plus years of experience in the insurance industry coupled with an Undergraduate, Masters and all PhD coursework in Risk Management and Insurance. The instructor teaching all of the Property and Casualty courses has her undergraduate degree in Mathematic, Masters in Business Administration and Ph.D. coursework in Management coupled with insurance sales experience.
I am affiliated with a Community College, how do I obtain my User ID and Password?
Students registering through the Community College System will be given a User ID and Password. Students will have the opportunity to change their password if they desire.
I forgot my User ID and password, how can I retrieve it?
If you have forgotten your password, go to the page where you enter your Userid and Password. Click the "Recover Password" link and enter your email address. You should receive an email stating your Userid and Password. If the retrieval process does not work, contact technical support at 919-361-0780.
What personal information is stored about me?
For the purposes of creating certificates of completion and reporting your continuing education credits to the State Department of Insurance, full name, current address, and current daytime telephone number. Other information can include an email address.
How long will information be stored?
Your information is stored for a minimum of 3 years, in the event the NCDOI request information on previous classes taken by you.
Is my personal information safe and secure?
Yes. Any time personal information is collected, careful measures are taken to make certain that it is and will remain secure. Students may see a lock at the bottom of their browser indicating you are viewing a secure page and the data flowing will be encrypted. Additionally, the computer is secure. Precautions are taken to ensure that the systems are secure and that they meet industry standards, including the application of firewalls for our Internet-based systems.
How do I know which ones to choose?
The courses that most interest you will certainly be most beneficial. The license types also dictate which courses are appropriate. The State requirements will also tell you the rules on repeating courses.
How many credits are awarded for each Insurance Continuing Education Course (ICEC)?
The number of hours for each Insurance Continuing Education Course (ICEC) will vary by course number. Credit hours will be listed next to each course title on the catalog page.
Can I repeat an Insurance Continuing Education Course (ICEC)?
NCDOI requires that ICEC courses NOT be repeated within a 2-year time frame, after 2 years, they may be repeated. Prelicensing courses may be repeated as many times as required by the student without time restrictions.
Where do I find Insurance Continuing Education Courses (ICEC)?
Schools offering prelicensing courses usually offer Insurance Continuing Education Courses (ICEC). Students should be careful not to duplicate a course number within two years. The course numbers can be found on the Certificates of Completion that you will receive upon completion of an ICEC course.
What are State Filing Fees?
State Filing Fees (also known as Roster Fees) are additional charges levied by NC to process continuing education credits. Insurance Educators is required by NCDOI to remit filing fees for your ICEC.
Will my Prelicensing and ICEC courses expire?
Yes, You have 30 days from the date of purchase to complete your prelicensing program and 60 days for your ICEC courses. Courses will expire after that time.
Can I exchange a course I have ordered?
No, once the course materials have been made available which is at the moment of payment in most instances, exchanges are not allowed.
Is the insurance program available in Spanish?
instructors are working on offering this program with Spanish dubbing for the videos. When English is not the first language, this program can be challenging. Since the State Department of Insurance does not have any plans to make the State exam available in Spanish, the quizzes and final exam in will be in English.
How many pages are contained in the study materials?
The length depends upon the course(s) selected.
Can I keep the books?
Yes. The books you print are yours to keep.
Once I register for an insurance course, how do I access the course material?
Online courses will be accessed by logging into your account from the Sign In link with the Userid and Password that you were given. Once the student enters the program, all of the training material and quizzes will be made available.
Will the course material be e-mailed to me?
No. Online course material will be accessed through the Internet by logging into your account each time.
Can I print my online course material?
For Prelicensing Education the answer is YES. Students will be able to print the written material. For ICEC, the answer is NO as required by the NCDOI. Exam material cannot be printed.
Do I have to review my online course all at once?
You are able to log in and out of your online course as many times as you need to study the course material. The State Department of Insurance requires that you complete the final exam in one setting; however, if you lose your Internet connection, the system will automatically grade your exam. Call technical support if this happens 919-361-0780.
Does the online exam need to be proctored?
NC does not require our exams to be monitored by an exam proctor. Based on NC specific requirements, the exams are required to be “closed-book”, which means you are not allowed to review or access the material while you are answering the exam questions.
What is a passing score?
All courses being taken for prelicensing credit must be completed with a passing score of 75% or higher. All courses being taken for Insurance Continuing Education Course credit must be completed with a passing score of 70% or higher.
Are the exams timed?
Yes. The exams are timed. The amount of time depends upon the course being taken.
How many questions are on the exam?
Exams questions depend upon the course being taken. The length of exams will vary by credit hours awarded.
What happens if I do not pass my exam?
If you do not pass an online exam, the system will automatically give you the opportunity to retest online one additional time. All retests will contain a different set of test questions from your original exam. Students have 2 attempts on the prelicensing exam.
How long does it take to grade exams?
Online exams are graded instantly and the results are posted on the screen as well as emailed to you.
Do I have to complete the exam in one sitting, or can I leave the exam and come back later?
Yes, you must complete the exam in one sitting.
If my Internet connection is lost, will my answers be saved?
No. The online system will not remember the answers for any test pages completed prior to the loss of connection.
Can I print the test?
No. Online exams cannot be printed and must be answered online only.
What do I do after I take the insurance prelicensing course and pass the final exam?
Students passing the prelicensing exam will be mailed a certificate of completion with an original instructor signature as required by the NCDOI. The certificate will serve as an admission ticket to the State exam. Upon successful completion of the State exam, students will receive an insurance license that day if all of the screening questions were answered to the NCDOI's satisfaction. This process is specifically described in the Candidate Handbook which students are strongly encouraged to read.
How long does it take to get certificates of completion?
Prelicensing certificates of completion are mailed the next business day through First Class mail and generally arrive within 2 - 4 days depending upon where it is being mailed. ICEC Certificates of Completion are emailed upon successful completion of the final exam.
Can I print my certificates of completion from the Internet?
Online certificates are available for ICEC courses but not Prelicensing courses as required by the NCDOI. Since NC does not allow online Prelicensing certificates, we will mail the certificates of completion to the address on file.
What do I do if I have lost my original certificates?
The instructors will maintains your records for up to 3 years. We can create a duplicate certificate of completion. There is a small charge for this service.
Will I be notified when my hours have been reported to the State?
No, Once your courses have been reported, you can go onto the NCDOI website (www.ncdoi.com) to check your ICEC credits.
What happens if I don't pass the State exam?
The State Department of Insurance will allow a student to retest a total of five times within a 90-day period. Therefore, students who are not successful on the first attempt will have several opportunities to retest. There is a retesting fee charged by the State.
Which web browsers can I use to view courses?
Most commonly used browsers can be used to access courses.
Do I need to download special software?
Yes. In order to operate the videos students are required to have Microsoft Windows Media Player and in order to view the textbooks Adobe Acrobat Reader is required.
Can I access my course(s) from any computer?
Yes. The online courses can be accessed from any computer with a Broadband Internet connection. All the student will need is the Userid and Password.
How do I access my existing registered courses?
Go to the Login link and enter your Userid and Password. If you have forgotten your password, follow the instructions given online or call the instructor at 919-361-0780.Source: www.insuranceeducators.com