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I wish I found your videos during my study. Grateful you're doing this

🥰

I failed just now with a 55 first test 😭 someone help me understand this

SCAM!! 👎👎👎👎

This is for becoming an agent right?

Please do a child have an insurable interest in his parents?

The REC ACRONYM HELPED! I JUST PASSED! This was one of the videos I watched.

Hello all, I’m preparing to take my life and health insurance exam and I have signed up for the Xcel program. I’m wondering is it best to watch videos like this and then go back to Xcel? Or should I go through the whole Xcel program then revisit videos such as this? Thank you for the help in advance.

Just wanna come back here to say thank you for your videos. I passed the Life & Health exam today.

I am beyond grateful for your page. Thanks-a-million!!! ❤

That’s a word right there…understanding and not cramming! Knowing what we are talking about is important!

Unintentional ASMR 😌

Big ups & kudos!!!! Your method of teaching was a huge factor in passing my exam! I would hear your voice during the exam Thank you!!!!!

Do you also have series 65 training?

I am loving this video. I am currently studying for my life and health license in Ohio as well and this video has been such a calming and helpful way to review the material that I have been going o r this past week. Thank you so much!

🩷🙏🏼🩷

Thank you for this I'm in Vegas and taking the course soon

This is awesome and thank you

Xcel is this a scam or correct website to get my state license in life and health??

Insurable interest: I lose my music if Usher is gone 🤪

This really helped me understand some of these concepts, thank you!

I stumbled upon you on TH-cam! Your teaching skills are excellent. I my notes studied really 5 days prior. I listened to you the morning of my examed and I passed after 3 times!!!! Thank you!!!!

Studying, thanks so much for your help!

Thank you so much I just passed my test in Pennsylvania yesterday 9-15-24 you helped so much with all the studying I did on my own plus these videos is what really put me over the top so thank you from the bottom of my heart❤

My favorite teacher so far.

How can I get in contact with you?

Thanks for helping people like us. God, will surely reward you.

I am so confused by the longer you live the small of the Check, but the oldest man gets the biggest check

I really enjoyed the pace at which you explained everything. If that is because you were tired it benefited me. I have been listening to other CFP who use new jargon to say what you are stating and it just makes things more confusing. I know I want an annuity it’s just explaining it to the institution that I ultimately chose. Thank you so much for helping me make my decision.

I love you and the way you naturally teach Amen❤

I passed my life and health exam with an 86% today in New Mexico, your videos absolutely helped me to get a better understanding on hard topics, especially taxation on Life Insurance. Thank you so much Tyra ❤

I came across your video after failing my test. I love how the way you explain all this terms, you make it easy to understand. ty

I watched almost all your videos yesterday before taking the state exam, then I passed at the first try. I thank God first then you for your clear and very helpful explanations

Hi I am taking the Insurance class and have to have my first book exam tomorrow. I took so much notes because 90% of this information is new to me. But I am given a chance with a company. they are allowing me to start due to my many years of customer service background but I must be licensed of course. And I wish that I ran into you last week than all of this would make more sense. Thank you so much for these videos now I feel less nervous about meeting with my potential new manager for the first part of the state book exam. You have been a great help thus far. You make studying and understanding the material so much better.

Thank you for breaking this down! I’m studying for my Life and Annuities. Today is Monday and my test is Thursday afternoon. I got my General Lines license a year ago and on a whim decided to go for this one 🥲

Thank you for your time

5:47 Are individual retirement plans (traditional, Roth IRAs) really qualified plans? My understanding is that they're not: They may enjoy tax advantages (tax-exempt contributions and/or tax-deferred growth), but only _employer-sponsored_ plans may be classified as qualified plans.

Is this helpful for the state of California to?

Is this helpful for the state of California to?

Thank you ma’am! I watched your videos two days before I took my Life Producer exam and passed it. Your videos were very informative and understandable, and helped me tremendously. You’re doing a great job helping others. May God keeps blessing you!

I passed today with a 92 percent. Thank you!

Her voice!!! So soothing!! Love her!

Help me please

Help me please I’m taking my tast next week

What type of insurance is most lucreative? Life, car....property ....which one?

A m in TX can smby rell me what to do to pass my exam

I passed my exam after 3 weeks of studying/taking my ExamFM course. after the first week, I sought out videos like these and watched them every single day. Like mentioned in this video, I rode around playing this in my car.. no music, no podcast, not much tv, only this for 3 weeks. I wrote all my notes one time and told myself that I would rewrite them everyday but didn't (doing so would definitely help 100x more). instead I took a practice at least twice a day, I didn't end up passing until week 2. by the day before my exam the following week, I had achieved a practice test score of 87% and ended up passing my exam the next day with flying colors! it was honestly easier than the practice tests but I'll give it up to me putting in all the effort that I did. Using acronyms for everything also helped me. as mentioned in the video, you are given scratch paper to write what ever you want, so I chose to use it for everything lol.. I think some of these were mentioned here, if not, from other videos on YT (I'm just coming back after I passed my exam to try to help whoever takes it). although it may sound funny, to follow is the phrase full of acronyms that I used to remember a lot of different life/health info; doing it in this order was easiest for me in terms of memorization because it always read like a phone number while still making somewhat sense as a sentence.. if that makes sense B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. L.O.C.A.L. S.T.A.R.R. D.I.A.L. C.L.I.F.F. W.E.L.L.S.F R.E.C. W.A.S.H. C.R.A.P.P.O W.A.G.C.A.P.A. M.E.I A.E.I U/L A= ---- B= ^ B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. = provisions L.O.C.A.L. = legal contract S.T.A.R.R. = how to handle risk D.I.A.L. = term insurance W.E.L.L.S.F. = whole life insurance R.E.C. = non-forfeitures W.A.S.H. = exclusions C.R.A.P.P.O = dividends W.A.G.C.A.P.A. = riders M.E.I = how to determine premium A.E.I = agent authority U/L = A = level death benefit B = increasing Beneficiary designation (life only), Insuring clause, Grace period, Free look period, Assignments (life only), Modifications (life only), Owner's rights (life only), Unused premium, Suicide (life only), Consideration, Entire contract, Reinstatement, Mode, Misstatement of age/gender, Incontestability/Time limit on certain defenses, Common disaster (life only). Legal competence, Offer, Consideration, Agreement, Legal purpose Sharing, Transfer, Avoidance Reduction, Retention of risk Decreasing, Increasing, Annual renewable, Level Cash, Life income, Interest only, Fixed amount, Fixed period Whole life/traditional/pure/all the same thing, Endowment, Limited pay, Limited period, Single premium, Family Income+Family Maintenance Reduced paid up, Extended term, Cash War/military, Aviation, Suicide, Hazardous occupation Cash, Reduction of premium, Accumulation of interest, Paid up-addition, Paid up-option, One year term Wavier of premium, Accidental death, Guaranteed insurability, Cost of living, Accidental death & dismemberment, Payor benefits, Additionally insured. Mortality, Interest, Expense Apparent, Implied, Expressed hope it help! lets all get paid!!

I passed my exam after 3 weeks of studying/taking my ExamFM course. after the first week, I sought out videos like these and watched them every single day. Like mentioned in this video, I rode around playing this in my car.. no music, no podcast, not much tv, only this for 3 weeks. I wrote all my notes one time and told myself that I would rewrite them everyday but didn't (doing so would definitely help 100x more). instead I took a practice at least twice a day, I didn't end up passing until week 2. by the day before my exam the following week, I had achieved a practice test score of 87% and ended up passing my exam the next day with flying colors! it was honestly easier than the practice tests but I'll give it up to me putting in all the effort that I did. Using acronyms for everything also helped me. as mentioned in the video, you are given scratch paper to write what ever you want, so I chose to use it for everything lol.. I think some of these were mentioned here, if not, from other videos on YT (I'm just coming back after I passed my exam to try to help whoever takes it). although it may sound funny, to follow is the phrase full of acronyms that I used to remember a lot of different life/health info; doing it in this order was easiest for me in terms of memorization because it always read like a phone number while still making somewhat sense as a sentence.. if that makes sense B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. L.O.C.A.L. S.T.A.R.R. D.I.A.L. C.L.I.F.F. W.E.L.L.S.F R.E.C. W.A.S.H. C.R.A.P.P.O W.A.G.C.A.P.A. M.E.I A.E.I U/L A= ---- B= ^ B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. = provisions L.O.C.A.L. = legal contract S.T.A.R.R. = how to handle risk D.I.A.L. = term insurance W.E.L.L.S.F. = whole life insurance R.E.C. = non-forfeitures W.A.S.H. = exclusions C.R.A.P.P.O = dividends W.A.G.C.A.P.A. = riders M.E.I = how to determine premium A.E.I = agent authority U/L = A = level death benefit B = increasing Beneficiary designation (life only), Insuring clause, Grace period, Free look period, Assignments (life only), Modifications (life only), Owner's rights (life only), Unused premium, Suicide (life only), Consideration, Entire contract, Reinstatement, Mode, Misstatement of age/gender, Incontestability/Time limit on certain defenses, Common disaster (life only). Legal competence, Offer, Consideration, Agreement, Legal purpose Sharing, Transfer, Avoidance Reduction, Retention of risk Decreasing, Increasing, Annual renewable, Level Cash, Life income, Interest only, Fixed amount, Fixed period Whole life/traditional/pure/all the same thing, Endowment, Limited pay, Limited period, Single premium, Family Income+Family Maintenance Reduced paid up, Extended term, Cash War/military, Aviation, Suicide, Hazardous occupation Cash, Reduction of premium, Accumulation of interest, Paid up-addition, Paid up-option, One year term Wavier of premium, Accidental death, Guaranteed insurability, Cost of living, Accidental death & dismemberment, Payor benefits, Additionally insured. Mortality, Interest, Expense Apparent, Implied, Expressed hope it help! lets all get paid!!

I passed my exam after 3 weeks of studying/taking my ExamFM course. after the first week, I sought out videos like these and watched them every single day. Like mentioned in this video, I rode around playing this in my car.. no music, no podcast, not much tv, only this for 3 weeks. I wrote all my notes one time and told myself that I would rewrite them everyday but didn't (doing so would definitely help 100x more). instead I took a practice at least twice a day, I didn't end up passing until week 2. by the day before my exam the following week, I had achieved a practice test score of 87% and ended up passing my exam the next day with flying colors! it was honestly easier than the practice tests but I'll give it up to me putting in all the effort that I did. Using acronyms for everything also helped me. as mentioned in the video, you are given scratch paper to write what ever you want, so I chose to use it for everything lol.. I think some of these were mentioned here, if not, from other videos on YT (I'm just coming back after I passed my exam to try to help whoever takes it). although it may sound funny, to follow is the phrase full of acronyms that I used to remember a lot of different life/health info; doing it in this order was easiest for me in terms of memorization because it always read like a phone number while still making somewhat sense as a sentence.. if that makes sense B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. L.O.C.A.L. S.T.A.R.R. D.I.A.L. C.L.I.F.F. W.E.L.L.S.F R.E.C. W.A.S.H. C.R.A.P.P.O W.A.G.C.A.P.A. M.E.I A.E.I U/L A= ---- B= ^ B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. = provisions L.O.C.A.L. = legal contract S.T.A.R.R. = how to handle risk D.I.A.L. = term insurance W.E.L.L.S.F. = whole life insurance R.E.C. = non-forfeitures W.A.S.H. = exclusions C.R.A.P.P.O = dividends W.A.G.C.A.P.A. = riders M.E.I = how to determine premium A.E.I = agent authority U/L = A = level death benefit B = increasing Beneficiary designation (life only), Insuring clause, Grace period, Free look period, Assignments (life only), Modifications (life only), Owner's rights (life only), Unused premium, Suicide (life only), Consideration, Entire contract, Reinstatement, Mode, Misstatement of age/gender, Incontestability/Time limit on certain defenses, Common disaster (life only). Legal competence, Offer, Consideration, Agreement, Legal purpose Sharing, Transfer, Avoidance Reduction, Retention of risk Decreasing, Increasing, Annual renewable, Level Cash, Life income, Interest only, Fixed amount, Fixed period Whole life/traditional/pure/all the same thing, Endowment, Limited pay, Limited period, Single premium, Family Income+Family Maintenance Reduced paid up, Extended term, Cash War/military, Aviation, Suicide, Hazardous occupation Cash, Reduction of premium, Accumulation of interest, Paid up-addition, Paid up-option, One year term Wavier of premium, Accidental death, Guaranteed insurability, Cost of living, Accidental death & dismemberment, Payor benefits, Additionally insured. Mortality, Interest, Expense Apparent, Implied, Expressed hope it help! lets all get paid!!

I passed my exam after 3 weeks of studying/taking my ExamFM course. after the first week, I sought out videos like these and watched them every single day. Like mentioned in this video, I rode around playing this in my car.. no music, no podcast, not much tv, only this for 3 weeks. I wrote all my notes one time and told myself that I would rewrite them everyday but didn't (doing so would definitely help 100x more). instead I took a practice at least twice a day, I didn't end up passing until week 2. by the day before my exam the following week, I had achieved a practice test score of 87% and ended up passing my exam the next day with flying colors! it was honestly easier than the practice tests but I'll give it up to me putting in all the effort that I did. Using acronyms for everything also helped me. as mentioned in the video, you are given scratch paper to write what ever you want, so I chose to use it for everything lol.. I think some of these were mentioned here, if not, from other videos on YT (I'm just coming back after I passed my exam to try to help whoever takes it). although it may sound funny, to follow is the phrase full of acronyms that I used to remember a lot of different life/health info; doing it in this order was easiest for me in terms of memorization because it always read like a phone number while still making somewhat sense as a sentence.. if that makes sense B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. L.O.C.A.L. S.T.A.R.R. D.I.A.L. C.L.I.F.F. W.E.L.L.S.F R.E.C. W.A.S.H. C.R.A.P.P.O W.A.G.C.A.P.A. M.E.I A.E.I U/L A= ---- B= ^ B.I.G. F.A.M.O.U.S. C.E.R.M.M.IC. = provisions L.O.C.A.L. = legal contract S.T.A.R.R. = how to handle risk D.I.A.L. = term insurance W.E.L.L.S.F. = whole life insurance R.E.C. = non-forfeitures W.A.S.H. = exclusions C.R.A.P.P.O = dividends W.A.G.C.A.P.A. = riders M.E.I = how to determine premium A.E.I = agent authority U/L = A = level death benefit B = increasing Beneficiary designation (life only), Insuring clause, Grace period, Free look period, Assignments (life only), Modifications (life only), Owner's rights (life only), Unused premium, Suicide (life only), Consideration, Entire contract, Reinstatement, Mode, Misstatement of age/gender, Incontestability/Time limit on certain defenses, Common disaster (life only). Legal competence, Offer, Consideration, Agreement, Legal purpose Sharing, Transfer, Avoidance Reduction, Retention of risk Decreasing, Increasing, Annual renewable, Level Cash, Life income, Interest only, Fixed amount, Fixed period Whole life/traditional/pure/all the same thing, Endowment, Limited pay, Limited period, Single premium, Family Income+Family Maintenance Reduced paid up, Extended term, Cash War/military, Aviation, Suicide, Hazardous occupation Cash, Reduction of premium, Accumulation of interest, Paid up-addition, Paid up-option, One year term Wavier of premium, Accidental death, Guaranteed insurability, Cost of living, Accidental death & dismemberment, Payor benefits, Additionally insured. Mortality, Interest, Expense Apparent, Implied, Expressed hope it help! lets all get paid!!