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How to tell apart grace period from reinstatement, own-occ from any-occ, and read EXCEPT questions without second-guessing — for the general portion of the exam
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Built to read on your phone screen while you study at the kitchen table or on your lunch break. Covers only the general portion — the state-specific section is studied separately with your state's content outline.
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You read the chapter on life provisions. By the last page, grace period and reinstatement have swapped places. So you go back to the start. Same result.
The policy types blur together too: whole, universal, variable, indexed. Four names, four paragraphs that start the same way, and no picture that puts each one in its own spot.
Then the practice questions hit you with EXCEPT. You knew the answer — but the wording made you doubt what you already studied.
This is page 23. Grace period and reinstatement, each on its own half of the page. You see when the policy stays in force and what it takes to put it back — on one page, not in two separate chapters.
When two provisions sit side by side, the difference is obvious. When they sit in two different chapters, they blur.
Eight parts, from how a contract works to what to do the night before exam day. Every policy type hangs from one tree, every look-alike pair sits on the same page.
Each page covers one idea with a drawing that shows it. No flipping between chapters. No rereading the same paragraph to find the rule.
This is page 40: accidental death and dismemberment. Principal sum for death or loss of two limbs or both eyes. Capital sum — a percentage — for one. The drawing shows who gets what, on one page.
When the question shows up, it's the scene that comes back, not the paragraph.
A drawn scene gives each rule a place. On exam day, you go back to that place.
How insurance works before you touch a policy: risk, insurable interest, the four elements of a contract and agent authority.
The life policy tree: term, whole, universal, variable, indexed, joint and group — each one on its own branch with its own drawing.
Life provisions, options and riders: owner vs. insured vs. beneficiary, grace period vs. reinstatement, nonforfeiture, dividends, settlements and the key riders.
Annuities and retirement: the annuity as life insurance in reverse, fixed vs. variable vs. indexed, payout options and qualified plans.
The health policy tree: deductible vs. copay vs. coinsurance, indemnity vs. HMO vs. PPO, disability income, AD&D, long-term care, Medicare and group health.
Health provisions: mandatory vs. optional, the three grace periods (7, 10, 31 days), notice of claim vs. proof of loss, elimination vs. probationary period and the renewability ladder.
Application, underwriting and delivery: how the application moves, risk classes, the conditional receipt and when coverage starts.
Exam-day toolkit: four steps to read any question, how to handle EXCEPT and double negatives, the key numbers on one page, and the most frequent mix-ups.
Practice the tricky wording (EXCEPT, double negatives, "all of the following") with original questions, each one broken down with arrows so you see why the right answer is right.
Review the provisions and terms that sound the same on one page each, with the single detail that tells them apart circled, to keep at hand and print.
📄 Digital book in PDF: it comes by email. Nothing is shipped on paper.
PDF by email: You receive Life & Health Exam Side by Side as a PDF in your inbox, along with the 2 free books. You pay once: no installments, no extra charges.
You finished your pre-licensing course, but the manual still feels like a list of names. You want a clear map of the general content before exam day.
You already paid for one attempt. You know the content — the problem is telling the look-alike provisions apart under time pressure.
You have your Life license and you're adding Health, or the other way around. You need a fast review of the general portion you haven't touched in months.
📄 Digital book in PDF: it comes by email. Nothing is shipped on paper.
30 days to try it: if the pairs still blur, tell us what didn’t work and we’ll refund 100%.
It's a digital PDF. You receive it by email and you can print it at home or read it on any screen.
Yes. Every page is designed to be readable on a phone screen in portrait mode.
PDF by email, to the address you enter at checkout.
It covers the general portion of the Life & Health exam only. The state-specific portion is not included and also counts toward your score — download your state's content outline from your Department of Insurance and study that part separately. Property & Casualty is a separate exam and is not covered here.
No. It's a study companion that organizes the general content visually. It doesn't give you a certificate or count toward pre-licensing hours. If your state requires a pre-licensing course, you still need to complete it. Some states also require a classroom course — this book complements that course, it doesn't replace it.
No. We wrote every question in the book and in both bonus books ourselves. None come from Pearson VUE, PSI, Prometric or any state exam.
It's not a beginner intro. It covers the same general content you already studied, laid out so the look-alike pairs sit on the same page. If telling them apart was what tripped you up, that's the part that changes.
Yes. One payment, no subscription, nothing recurring.
Read the Question First: 150 original practice questions, each one taken apart with arrows, so you see how EXCEPT and double negatives work. The Look-Alike Pairs: quick-review cards you can print, with the provisions that sound the same. The manual runs hundreds of pages and the provisions blur together; the kit is the drawn book plus these two.
No. This guide is independently published and not affiliated with, endorsed by, or connected to any exam provider, state Department of Insurance, or regulatory body.
Grace period and reinstatement don't blur when they sit side by side on the same page.
The EXCEPT question loses its trick when you take it apart in four fixed steps before reading the answers.
You've already put in the hours. This puts them in order.
Open the book, find the pair that keeps tripping you up, and see the difference drawn. That's it.
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GET LIFE & HEALTH EXAM SIDE BY SIDE · US$ 27📄 Digital book in PDF: it comes by email. Nothing is shipped on paper.
