What is Prorata and How to Solve for it on the Insurance Exam

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  • Опубліковано 27 вер 2024

КОМЕНТАРІ • 56

  • @nicoleperez8363
    @nicoleperez8363 2 місяці тому +2

    Hello!!! I'm studying for the P&C Test in Tennessee. I'm enjoying your teaching style, thanks so much!

    • @insuranceexamqueen
      @insuranceexamqueen  2 місяці тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @jamiehopson2034
    @jamiehopson2034 Рік тому +6

    Hello i am studying for the property and casualty test for Virginia. i am enjoying your teaching style and your energy, cant wait to post that i passed my test. thank you for all your help.

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому

      Hello! I am Melissa, the Insurance Exam Queen.
      Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam!
      I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible.
      During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam.
      My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions.
      You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.
      Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page.
      My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material.
      Below, I have written up what is most important for your state exam, and where you should spend your time during your studies.
      The major things to know are General Insurance, PC Basics, Dwelling, Homeowners and Auto. These categories require memorization of names, amounts, some math, and a working understanding of how this type of insurance works.
      General Insurance is the foundational chapter and when you know it well, it helps with all the other chapters. Most states will range in how much this chapter is tested typically being around 5% to 10%, but since it’s the foundation for all else, you want to be decent in knowing these terms, especially anything related to contract law. All my Royal Treatment Class Series include a General Insurance Terms Class.
      PC Basics is one of the most important chapters and can be up to 20% of the state exam. This chapter covers Policy Structure, Policy Provisions, and lots of definitions. All my Royal Treatment Class Series include a PC Basics Class.
      Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on policy names, policy coverages and amounts, which are named or open peril. All my Royal Treatment Class Series include a Dwelling and Homeowners Class.
      There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples.
      Now, in most states you do not need to know Commercial Policies to be able to pass, but it’s great to have some working knowledge to secure points in that chapter. If you're taking personal lines, you don't need commercial at all and can skip this paragraph. If you’re in Alabama, you definitely need commercial as it’s 26% of your exam! Commercial is hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. If you’re taking the Personal Lines exam, you do not need to know any Commercial Policies.
      For Auto insurance, you’ll get tested on both Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. All my Royal Treatment Class Series include an Auto Class that tells you what to focus on.
      Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series.
      So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access.
      Bronze is a Basic Review with 8 hours of class recordings.
      Silver is a Deeper Review with 14 hours of video.
      Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Browse my facebook group and see how many people site Gold as being the reason they passed!
      Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership.
      You can find everything here: www.insuranceexamqueen.com/
      Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule
      If you want One-On-One Tutoring you can book with Peter Here:
      wkf.ms/3LSJC2B
      If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy
      Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources
      If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

  • @dominiquehordge7288
    @dominiquehordge7288 Рік тому +1

    Good morning✨
    Just wanted to stop by and Thank You for being here your platform helped me tremendously I passed my all lines exam first try 85%🥳

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому +1

      Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

  • @InsuranceProducerPodcast
    @InsuranceProducerPodcast 4 місяці тому

    Thank you so much for these videos. Game changer!

    • @insuranceexamqueen
      @insuranceexamqueen  4 місяці тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @jamjammy4980
    @jamjammy4980 7 місяців тому

    Luv ❤ 9:17 ur teaching u r god sent I couldn’t understand that in a million yrs wat u explain in 9 minutes u truly are the queen 🎉❤❤❤❤

    • @insuranceexamqueen
      @insuranceexamqueen  7 місяців тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @kennethgomez1760
    @kennethgomez1760 10 місяців тому

    your the best omg , you are a LIFE SAVER! I need a teacher to understand this stuff and i’m gonna be on your page a lot, currently at chapter 3 out of 9 learning dwelling policy concepts!

    • @insuranceexamqueen
      @insuranceexamqueen  10 місяців тому +1

      Go here to view my recommendations for your state exam www.insuranceexamqueen.com/pc-state-recommendations/

  • @consuelolopez8083
    @consuelolopez8083 6 місяців тому

    I love your explanations Is so easy

  • @rachel6142
    @rachel6142 Рік тому +10

    Passed my exam today, first try (though there were a few practice exams as well and I did start with a fail lol)
    I had LESS THAN A WEEK to learn the material and take the test as I started a new job on Monday, on Tuesday they set me up to take the test for the following Monday 😬 (I am a claims adjuster, not selling which may account for some of the timing difference alotted)
    Following the course material they'd provided it was extremely obvious to me that I was doing the courses but absorbing literally nothing. By the second day of the reading the course (from my work not Melissa) I was 100% confident that there was going to be no way I would pass the test by Monday. I started searching for a video to explain one specific topic, and stumbled upon Melissa. I began watching her videos every evening after work and over the weekend, while I washed dishes, while I made dinner, while I ate, while soaking in the tub etc. It really helped me to break down the questions as I was reading them during my test today.
    There are several other new hires who will be starting the licensing process in a few weeks and I will definitely be recommending the insurance exam queen to them as well.

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому +1

      Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

    • @rachel6142
      @rachel6142 Рік тому

      @@insuranceexamqueen of course! You totally deserve it!

  • @aliciaspeirs3029
    @aliciaspeirs3029 10 місяців тому +1

    Does the same equation apply to multiple dwellings on one property policy? Dwelling building, detached structures?

  • @consuelolopez8083
    @consuelolopez8083 6 місяців тому

    I am taking proper and casually exam

    • @insuranceexamqueen
      @insuranceexamqueen  6 місяців тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @lizfernandez4636
    @lizfernandez4636 Місяць тому

    You are the Best🫶thank you

    • @insuranceexamqueen
      @insuranceexamqueen  Місяць тому

      Or leave a video testimonial Here - testimonial.to/insurance-exam-queen/all

  • @gerardoruiz6210
    @gerardoruiz6210 2 дні тому +1

    Public adjuster test
    Hi from Las Vegas

    • @insuranceexamqueen
      @insuranceexamqueen  2 дні тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/

  • @laurab9518
    @laurab9518 Рік тому +4

    Thank you Melissa
    I’m crossing my fingers I pass first time try this summer from NY

  • @melissakacin11
    @melissakacin11 9 місяців тому +1

    I just found your videos today and I cannot believe I didn't find them sooner!! Thank you so much, the way you explain the material makes so much sense to me. I'm in Georgia and I'll be testing in two weeks!

    • @insuranceexamqueen
      @insuranceexamqueen  9 місяців тому

      You're so welcome! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @Paradiselanding96
    @Paradiselanding96 8 місяців тому

    I had a question on the test that was pro rata but company A was 50,000 and company B was 50,000 and the loss was 12,000 how do I find the answer ?

  • @ieshalowery6062
    @ieshalowery6062 Рік тому +1

    Love how you broke this formula down understood it so much better, thank you!
    Taking exam for NC

  • @kashar5189
    @kashar5189 Рік тому +1

    Hi Melissa thank you so much for all the knowledge you give to all of us! I’m in Florida and I’m currently taking the 6-20 course. I realized it would have been a wiser decision to take the P & C and then I can get my 6-20 because of the P&C. I would like your help. I would also like to get the property and casualty license as well. What materials should I purchase? Thanks in advance.

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому +1

      Do you have a state approved course yet? If not go to my website and it will guide you to the one you need plus my Gold class Series. Hello! I am Melissa, the Insurance Exam Queen.
      Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam!
      I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible.
      During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam.
      My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions.
      You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.
      Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page.
      My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material.
      Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies.
      Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on.
      For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril.
      There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples.
      For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on.
      Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds.
      Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series.
      So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access.
      Bronze is a Basic Review with 8 hours of class recordings.
      Silver is a Deeper Review with 14 hours of video.
      Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze!
      Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership.
      You can find everything here: www.insuranceexamqueen.com/
      Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule
      If you want One-On-One Tutoring you can book with Pete Here:
      www.insuranceexamqueen.com/1-1-booking/alllinestutoring/register
      If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy
      Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources
      If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

    • @kashar5189
      @kashar5189 Рік тому

      @@insuranceexamqueen Thank you so much for such detailed information. I’m happy to have come to your channel and I know the information and methods you offer is exactly what I need to pass my exams. Yes I have enrolled in an adjuster license course at Broward College. I will go to your website and purchase one of your package to be prepared to pass my Exam. THANK you!!!

  • @sarahallaire5276
    @sarahallaire5276 5 місяців тому

    Hi Queen! I’m in Az and I just want to say THANK YOU FOR YOUR VIDEOS! You’ve been a huge help. Subscribed ✅

    • @insuranceexamqueen
      @insuranceexamqueen  5 місяців тому

      Awesome! Thank you! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

    • @Azfiretattoo
      @Azfiretattoo 3 місяці тому

      Hello, I’m also in Arizona and just wondering if you have taken your test yet? Thank you 😁

    • @sarahallaire5276
      @sarahallaire5276 3 місяці тому +1

      @@Azfiretattoohi! Yes, I did and passed on my first try 😊

    • @Azfiretattoo
      @Azfiretattoo 3 місяці тому

      @@sarahallaire5276 That’s so awesome! Congratulations! 🎉. How was the testing at Prometric?

    • @sarahallaire5276
      @sarahallaire5276 3 місяці тому +1

      @@Azfiretattoo thank you! It was nice and way easy than the AD Banker test I was taking to study with. Have you taken yours?

  • @heatherflores7799
    @heatherflores7799 8 місяців тому

    Oregon

    • @insuranceexamqueen
      @insuranceexamqueen  8 місяців тому

      Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

  • @ebbs8694
    @ebbs8694 10 місяців тому +1

    Thank you!!

  • @Faatsuboor
    @Faatsuboor 11 місяців тому

    Thank you so much! I’m going to test today and this made me feel so much more secure in figuring out the pro rata equation!!!! You’re awesome! BTW I’m in Indiana taking property and casualty lines😎

    • @insuranceexamqueen
      @insuranceexamqueen  11 місяців тому

      Hello! I am Melissa, the Insurance Exam Queen.
      Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam!
      I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible.
      During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam.
      My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions.
      You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.
      Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 900 5-Star Reviews on my Google Business Page.
      My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material.
      Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies.
      Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on.
      For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril.
      There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples.
      For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on.
      Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds.
      Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series.
      So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access.
      Bronze is a Basic Review with 8 hours of class recordings.
      Silver is a Deeper Review with 14 hours of video.
      Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze!
      Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership.
      You can find everything here: www.insuranceexamqueen.com/
      Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule
      If you want One-On-One Tutoring you can book with Peter Here:
      forms.gle/jq8xmyLSGUCfUgoY9
      If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy
      Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources
      If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

  • @reptile3999
    @reptile3999 Рік тому +1

    Oh my goodness I cant believe how easy you made that! Thank you so much in my material it just gave a more crazy detail than what it is and I appreciate you just explaining its a fair share. I am doing it for Oklahoma I already have my health and now studying for P&C. This was my first video Ive watched from you and am very happy with it!! Thank you again! 👍

    • @reptile3999
      @reptile3999 Рік тому +1

      My son changed my name I need to change it back i made him one just dont get on youtube very much anymore

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому

      Ha ha that is great!

    • @insuranceexamqueen
      @insuranceexamqueen  Рік тому

      Hello! I am Melissa, the Insurance Exam Queen.
      Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam!
      I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible.
      During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam.
      My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions.
      You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.
      Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page.
      My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material.
      Below, I have written up what is most important for your state exam, and where you should spend your time during your studies.
      The major things to know are General Insurance, PC Basics, Dwelling, Homeowners and Auto. These categories require memorization of names, amounts, some math, and a working understanding of how this type of insurance works.
      General Insurance is the foundational chapter and when you know it well, it helps with all the other chapters. Most states will range in how much this chapter is tested typically being around 5% to 10%, but since it’s the foundation for all else, you want to be decent in knowing these terms, especially anything related to contract law. All my Royal Treatment Class Series include a General Insurance Terms Class.
      PC Basics is one of the most important chapters and can be up to 20% of the state exam. This chapter covers Policy Structure, Policy Provisions, and lots of definitions. All my Royal Treatment Class Series include a PC Basics Class.
      Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on policy names, policy coverages and amounts, which are named or open peril. All my Royal Treatment Class Series include a Dwelling and Homeowners Class.
      There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples.
      Now, in most states you do not need to know Commercial Policies to be able to pass, but it’s great to have some working knowledge to secure points in that chapter. If you're taking personal lines, you don't need commercial at all and can skip this paragraph. If you’re in Alabama, you definitely need commercial as it’s 26% of your exam! Commercial is hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. If you’re taking the Personal Lines exam, you do not need to know any Commercial Policies.
      For Auto insurance, you’ll get tested on both Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. All my Royal Treatment Class Series include an Auto Class that tells you what to focus on.
      Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series.
      So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access.
      Bronze is a Basic Review with 8 hours of class recordings.
      Silver is a Deeper Review with 14 hours of video.
      Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Browse my facebook group and see how many people site Gold as being the reason they passed!
      Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership.
      You can find everything here: www.insuranceexamqueen.com/
      Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule
      If you want One-On-One Tutoring you can book with Peter Here:
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      If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy
      Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources
      If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

    • @reptile3999
      @reptile3999 Рік тому

      Insurance Exam Queen I have already been studying they only give us 3 weeks to study and take the exam they are paying for it I really don’t have the money right now to pay for any extra guess I’ll just stick to what you have posted online thanks for the offer anyway

    • @reptile3999
      @reptile3999 Рік тому

      @@insuranceexamqueen I really like your videos I just had a question about the inland marine and why is it different or what so important about it in the p&c exam if you can guide me where to look it up or something cause some of the practice question on the quizzes after the material Kees asking about it and I don’t even see where it talks about it much just basically you have to read it hear and there I guess