DC Life & Health study plan

Map the state regulatory framework: list the powers and duties of the insurance commissioner/department and describe the hearing and appeal process

Differentiate among the licensing statuses (resident, nonresident, temporary, business entity) and state the continuing-education and renewal requirements

Identify prohibited acts - rebating, twisting, misrepresentation, commingling, unfair claim practices - and match each to a concrete scenario

Define the general insurance vocabulary: risk, peril, hazard, pure vs. speculative risk, indemnity, insurable interest, adverse selection

Compare the methods of handling risk (avoidance, retention, sharing, transfer, reduction) and classify ten real-life examples

Explain the underwriting process from application through policy delivery, including the roles of the agent's report, attending physician statement, and MIB

Distinguish representation from warranty and concealment, and predict the insurer's remedy when material misrepresentation is proven

Contrast term, whole life, universal life, and variable life on premium, cash value, and death benefit mechanics

Compute the face amount, cash value, and death benefit progression for a level-premium whole life policy across several policy years

Select the correct policy type for eight written client fact patterns and justify each choice in one sentence

Sequence the standard policy provisions - entire contract, free look, grace period, reinstatement, incontestability, misstatement of age/sex - and state the consequence of each

Order the nonforfeiture options, dividend options, and settlement options, and calculate the payout under each settlement option

Explain the waiver of premium, disability income, accidental death, guaranteed insurability, and long-term care riders, specifying when each pays

Apply the suicide clause and the automatic premium loan provision to timed fact patterns

Resolve ten ownership-and-beneficiary scenarios covering primary, contingent, revocable, irrevocable, and per stirpes distributions

Contrast fixed, variable, indexed, and immediate vs. deferred annuities on accumulation and payout mechanics

Calculate accumulation unit value growth and annuity payout amounts from a stated premium and payout factor

Differentiate the accumulation phase from the annuitization phase and identify which surrender charges, exclusions, and tax rules apply in each

Explain qualified vs. nonqualified annuity taxation, the exclusion ratio concept, and the 10% early withdrawal penalty

Match settlement payout options (life only, life with period certain, joint and survivor, fixed period, fixed amount) to stated client objectives

Classify health policies by funding and structure: individual, group, HMO, PPO, POS, and indemnity, listing the cost-control features of each

Explain the provisions that govern claims: notice of claim, proof of loss, time of payment, legal actions, and the reinstatement clause

Differentiate coordination of benefits, subrogation, and the usual/reasonable/customary reimbursement basis using numeric claim examples

Contrast copay, coinsurance, deductible, out-of-pocket maximum, and stop-loss limits by computing patient cost in five claim scenarios

Apply the pre-existing condition, probationary, and elimination periods to determine coverage start dates

Interpret group underwriting concepts - eligibility, actively at work, participation requirements, and late entrant rules - for employer plans

Describe COBRA qualifying events, notice deadlines, election periods, and duration of continuation coverage

Break down Medicare Part A, B, C, and D eligibility, enrollment windows, costs, and coverage gaps, including late-enrollment penalties

Explain Medicare Supplement (Medigap) plan standardization, open enrollment rights, and how Medicaid and Medicare interact as dual coverage

Compare the tax treatment of employer-paid vs. employee-paid group health premiums, including cafeteria plans, HSA, and FSA rules

Re-drill the heaviest domains using spaced repetition, five items per domain per day

Rewrite every missed item from weeks 2–6 into a two-line explanation in your own words

Time-drill 60 mixed questions at exam pace and tag each miss to its domain

Build a personal error log sorted by domain and rank the five weakest subtopics

Convert each weak subtopic into a one-page paraphrase-and-definition review card

Simulate full-length practice exams under timed, closed-note conditions and record domain-level scores each time

Re-verify the light domains (regulation, general concepts, health basics, group) against the error log to confirm no regression

Review statutory numbers, limits, deadlines, and penalties from the week 1 quick-reference sheet

Explain aloud the ten most-missed concepts without notes to confirm true recall

Complete a final pass of the error log so every entry is marked resolved