Insurance Pre-licensing

SC Proctoring for Continuing Education

2007-07-18T14:31:00.000-07:00

JEL has proctors throughout the state – In addition, we have proctors that travel the state periodically throughout the CE cycle. Our computer is set up to identify those students who have not completed the course so that they may be notified when a proctor is going to be in their area.

We make CE simple and easy

Just In!
Changes In CE Requirements

South Carolina now requires:

3-hours of Ethics for all Producers
3-hours of Flood CE for all P&C Producers

JEL has all the approved courses to meet this new requirement

Pre-Licensing Course

2007-06-25T08:29:00.000-07:00

Pre-Licensing Courses Available In PA - FL - SC - VA

JELCE Offers a Superb Prelicensing Self-Study Program

That Really Works

High Pass-Ratio - Priced Right

We offer courses in

Life, Accident & Health - Property & Casulaty - Claims Adjusting

All courses are presented in a Notebook format with eight easy to read and understand modules - each Module has its own practice/learning exam with answers and rationales

Tuition For Each Course Is Only

$60.00 for L&H and P&C

$130 for Adjusters

Order Today By Phone 1-800-834-8975

Special Review Classes Available

2007-03-08T10:33:00.000-08:00

Special Review Classes are available for L&H, P&C and Adjusters. We have a proven over 95% pass ratio with these reviews. Your cost is as follows:

$275 per day - No limit as to the number of students in attendence*
Plus expenses

Call 1-800-834-8975 to schedule your class or for more information

*Does not include individual students course material, which can be purchased at a discounted price.

Identify The Intent Of The Question

2007-03-06T14:56:00.001-08:00

Many questions will be situation questions whereby they are telling a story, thus supplying so much information that you lose track of what is being asked. This is often the case in story problems. Learn to separate the story from the question. For example:
3. Sam, age 40, is married and has one small son age 8. He is employed as a sales manager by P.K. Smith & Co., a sole proprietorship that owes much of its success to Sam’s efforts. He recently borrowed $50,000 from his brother-in-law, Tom, to finance a vacation home. Based on these facts, which of the following do(es) NOT have an insurable interest in Sam’s life?
A. His spouse
B. His employer
C. His brother-in-law
D. His customers

A clue to the answer is presented in the last sentence – who does not have an insurable interest?

Take the time to identify what the question is asking. Of course, your ability to do so assumes you have studied sufficiently. There is no method for correctly answering questions if you don’t know the material.

Interpret The Unfamiliar Question

2007-03-06T14:55:00.002-08:00

Do not be surprised if some questions on the test seem unfamiliar at first. If you have studied your material, you will have the information to answer all the questions correctly. The challenge may be a matter of understanding what the question is asking.

Very often, questions present information indirectly. You may have to interpret the meaning of certain elements before you can answer.

Sometime by turning the question into four true and false style questions, this will help you determine the correct answer.

Pace Yourself

2007-03-06T14:55:00.001-08:00

Some people will finish the exam early and some will not have time to finish all the questions. Watch the time carefully (your time remaining will be displayed on your computer screen) and pace yourself through the exam.

Do not waste time by dwelling on a question if you simply do not know the answer. Make the best guess you can, mark the question for review, and return to the question if time allows at the end. Be sure the mark every question before moving on – do not leave any blank. Make sure that you have time to read all the questions so that you can record the answers you do know.

Avoid Changing Answers

2007-03-06T14:54:00.000-08:00

If you are unsure of an answer, your first hunch is the one most likely to be correct. Do not change answers on the exam without good, very good, reason. In general, change an answer only you:
· Discover that you did not read the question correctly
· Find new or additional helpful information in another question

Memorize Key Points

2007-03-06T14:53:00.002-08:00

Reasoning and logic will help you answer many questions, but you will have to memorize a good deal of information. Mnemonic devices gives you a shorthand way of remembering information with a single word or phrase. For example, the elements necessary for a risk to be insurable can be summarized as CANHAM:
C – Chance of loss must be calculable
A – Premiums must be affordable
N – Loss must be noncatastrophic
H – large number of homogenous (similar) exposures must exist
A – Loss must be accidental
M – Loss must be measurable

Avoid Jumping To Conclusions

2007-03-06T14:53:00.001-08:00

The questions on licensing exams are often embellished with deceptive distractions as choices. To avoid being misled by seemingly obvious answers, make it a practice to read each question and each answer twice before selecting your choice. Doing so will provide you with a much better chance of doing well on the test.

Watch out for qualifiers embedded in the question. (Example of qualifiers include the words if, not, all, none, and except.) In the case of if statements, the question can be answered correctly only by taking into account the qualifier. If you ignore the qualifier, you will probably not answer correctly.

Qualifiers are sometimes combined in a question. Some that you will frequently see together are all with except and none with except. In general, when a question starts with all or none and ends with except, you are looking for answer that is opposite to what the question appears to be asking. For example:

2. All of the following are excluded from the liability portion of commercial auto coverage EXCEPT
A. expected or intended injury
B. contractual injury
C. insurer’s cost of defense
D. workers’ compensation

If you neglect to read the except, you might select answer choices A, B, or D. The qualifier makes C the only correct option.

Read The Full Question

2007-03-06T14:51:00.000-08:00

You cannot expect to answer a question correctly if you do not know what it is asking. If you see a question that seems familiar and easy, you might anticipate the answer, mark it, and move on before you finish reading it. DON’T this is a serious mistake. Be sure to read the full question and all the possible answers before answering it – questions are often written to trap people who assume too much. Here is an example of a question in which an assumption could produce a wrong answer.

1. Billy incurs a hospital expense of $10,000. His major medical policy includes a $500 deductible and an 80%/20% coinsurance feature. Assuming this is the first covered expense he incurs this year, how much will Billy have to pay toward his hospital bill?
A. $2,000
B. $1,900
C. $7,500
D. $1,500

The answer is B. This is an easy question to answer only for someone who has read the full question, because this is the first application of the deductible. If you read the question too quickly, you might forget to account the deductible.