Secrets to Passing the California Insurance License Exam

Like most States, California requires that you pass a government administered license exam before you can hang your shingle to sell insurance. In addition, you must take up to 52 hours of pre-license training, which thankfully, can now be done online. Separate license exams and training courses are required to sell property and casualty insurance versus life and health policies. And, there is mandatory continuing education required every two year renewal period as well as additional, special training classes needed to sell specific insurance products like flood insurance, long term care insurance and/or annuity investment policies.

If your plan is to thoroughly study the State handbooks, read and read again all the materials from your license course and take a cram course on test-taking, I can almost guarantee you still won’t pass the California Insurance Exam. These exams can be tough, since they are riddled with confusing and convoluted questions . . . the trademark of most government or quasi-government license exams. So what does it take to pass? Well, that’s what we cover in this article. And, there is a method to the madness.

First Off, Be Wary of Advice and Crazy Tips

Here is just some of the “buzz” around taking the State Exam. For the most part, ignore these rants and tips:

“Taking a cram class is all you need to pass” (Not true. See cram courses below)

“I was told to skip every question on the state exam. That way, these same questions are locked in and the computer will not spit out more difficult ones.” (A crazy conspiracy theory).

“A live teacher is the only way to pass. They pinpoint the “buzz” words you need to pass. They tell you things that can’t be put in writing” (Bunk . . . classes are monitored by the State. And, you need more than buzz words to pass).

“Use common sense to answer the exam questions.” (It won’t work).

“By process of elimination, you can get to the right answer.” (Works sometimes, but you would have to know the subject to eliminate the wrong answers).

“I earned 90{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} on my online practice exams . . . I’m ready”. (A lot of these 90 percenters still fail. There are practice exams and there are practice exams. See below).

“People who take online courses always fail”. (Bunk . . . our online school has a very high passing ratio . . . it’s what you do with the material that counts).

“Study the course materials . . . you will pass” (There is a lot more to it. It may be a variation the material you learned that is being asked).

“Just look for certain “buzz” words for the answer.” (The State knows all the buzz words . . . you’ won’t beat them this way).

California Specific

It may seem obvious to many, but be sure that the courses and exam prep materials you are studying are California specific. There are a lot of generic practice exams and …

The Fantasticks: Plato’s Allegory of the Cave

In 2008, six years after the closing of Tom Jones and Harvey Schmidt’s Off-Broadway production of The Fantasticks, the beloved musical returned to New York City. Forty-two years, it seems, was not a long enough run after all for this record breaker, and furthermore, no one appeared unhappy with the decision.

When in the early 1960s the musical first came to fruition, the beat generation saw itself in the play’s tension of opposites–the ideology of the young versus the ideology of the over-30s–and the dissonance caused by the current political unrest of that time. The play reached out to the generational needs of the ’60s and continued even beyond. But today in 2012 we are undergoing a different kind of turbulance and much has changed since The Fantasticks was written. So why has this musical endured? Why can’t we get enough of its lines and lyrics? What is our connection? Why are we so in love with this play?

A Familiar Plot

The answer may lie in the underlying archetypal plot of the script. Act I opens in the sweet innocence of moonlight; Act II opens in the harsh reality of day. The boy Matt and the girl Luisa thrive on their illusions in the first act but encounter a painful awakening in the second. El Gallo, “the rooster” and professional abductor hired by Hucklebee, ushers in the light of day, literally but also symbolically. He has come to lead Matt and Luisa on separate journeys in which they will leave their innocence behind and become initiates into the world of experience.

In Moonlight

Matt’s and Luisa’s fathers construct a make believe feud and build a wall between their houses in order to encourage their children to fall in love, relying on the old temptation of the forbidden to do the job. It works, and when the two lovers meet in secret, in moonlight of course, they pledge their love to each other. To create the illusion of settling the feud, Matt’s father Hucklebee engages El Gallo to stage the abduction of Luisa, allowing his son Matt to rescue her heroically and end the ruse. Luisa’s father Bellomy agrees, but a happy ending in moonlight cannot be real.

In Daylight

“Their moon was cardboard,” El Gallo tells us. In the daylight, life takes on a less subtle tone and reality casts a harsh glare. All four sing, “What at night seems oh, so scenic may be cynic much too soon.” Suddenly dissatisfied, the boy and girl part ways to find a solution to their restlessness. Matt ventures off to drink and gamble and find a shining world full of adventure while Luisa longs to be kissed upon the eyes by El Gallo who will take her on a journey to see the world, dancing forever and forever. To do so, she must put up a mask to prevent her from seeing the truth. When Luisa refuses to accept this world as only an illusion, the trickery of smoke and …

Current Employment Outlook for Personal Injury Attorneys

One of the most lucrative fields for lawyers is the job of a personal injury attorney. They take care of physical and emotional factors when seeking compensation for injured victims. They are also known as trial lawyers and take up assignments when people who have suffered in a vehicle collision, assaults, work injuries or medical errors approach them for help. These types of settlements may be in thousands of dollars and the lawyers benefit because they get a percentage of the compensations as their fees.

Tort law or personal injury law helps people to claim compensations from the third party because they have suffered damages as a result of accidents or injuries. The third party could refer to an individual, medical institution, government agency or a large corporation. This also deals with assault chargers, negligence, battery and cases of trespassing. This type of law can be categorized as:

  • Negligent torts
  • Intention torts
  • Strict liability torts

Role and job description of the personal injury attorney:

The attorney has to conduct research before taking up the case. He will check all aspects to determine if the case they are representing for a particular client is advantageous to their law firm. He will begin the paperwork after interviewing the clients and researching and understanding the various strategies that will have to be adopted.

The personal injury attorney has to find concrete evidence based on facts that can be produced in courts. These include police records, medical records and so on. The lawyers work on preparing the case by obtaining testimonies and legal briefs. They have to advise their clients in large corporations and organizations about legal issues as these bodies are especially vulnerable when it comes to lawsuits.

Due to the increasing demand, many personal injury lawyers are now available and there is scope for others who wish to enter this field.

Assessing the employment outlook:

These personal injury attorneys may work with a firm or independently as they would if they take up other streams in law. They may initially work as an associate but once they gain experience they may rise to the position of a partner in the firm. Some lawyers prefer to work on their own and take up cases where they charge lower fees. Studies on the subject indicate that the employment outlook proves positive as a growth of 13{512b763ef340c1c7e529c41476c7e03bc66d8daea696e1162822661d30dde056} in this field is expected by the year 2018.

Depending on the size of the firm where they are employed, the personal injury lawyers will be paid an average salary. This may be in the range of $51,700 to nearly $90,000. The cities that offer high compensation packages are Los Angeles, Chicago and New York. California State has the best ranking followed closely by Florida and New York.

The employment outlook therefore is positive and the average salaries that are paid are good incentives for budding personal injury lawyers. These types of lawyers are also sought as the rate of accidents, work related accidents and bankruptcy cases are …