KS Life & Health study plan

Define the parties, provisions, and ownership rights in a life insurance contract

Distinguish term, whole life, universal life, and variable products by cost structure and cash value behavior

Explain the underwriting process, risk classification, and the role of the agent in application handling

Label the sections of a policy (face amount, premium, grace period, incontestability, reinstatement) from memory

Compare dividend options, nonforfeiture options, and settlement options and when each applies

Describe annuities by payout, accumulation, and premium structure, including the annuity period

List common riders (waiver of premium, disability income, accidental death, guaranteed insurability) and their triggers

Compute a simple net premium and a cash value surrender comparison using given numbers

Re-test all Domain 1 weak areas identified in weeks 1-2 until each is answered correctly twice

Define basic health insurance terms: premium, deductible, coinsurance, copay, out-of-pocket maximum

Distinguish indemnity, HMO, PPO, and POS plans by network and referral rules

Summarize the major features of individual medical expense policies

Trace how a claim is paid through deductible, coinsurance, and out-of-pocket maximum using worked examples

Explain coordination of benefits and the primary/secondary payer rules

Differentiate group health underwriting and eligibility from individual underwriting

Identify the tax treatment of employer-paid health premiums and employee contributions

Compare disability income policies by benefit period, elimination period, own-occupation vs any-occupation definitions

Describe long-term care policy triggers, benefit amounts, and common exclusions

Outline Medicare Parts A-D, Medicaid eligibility, and how Medigap policies coordinate with Medicare

List required provisions of health policies (grace period, reinstatement, claim forms, legal actions)

Explain ACA marketplaces, essential health benefits, guaranteed issue, and the premium tax credit structure

Apply the rules for HIPAA, COBRA continuation, and portability in employer plans

Identify prohibited practices and required disclosures in health insurance marketing

Distinguish health savings accounts from flexible spending accounts by eligibility and tax treatment

Rank every missed item from weeks 1-6 by domain and subtopic to expose remaining gaps

Re-drill the top five weakest subtopics until each reaches 90% accuracy on retest

Practice eliminating answer choices on scenario-based questions within 60 seconds each

Recite key numeric limits, time periods, and percentages from a single reference sheet without notes

Complete two full-length timed practice exams simulating test-day pacing and breaks

Review every missed question from both exams and confirm the corrected reasoning aloud

Rebuild the master formula and limits sheet from memory in under 20 minutes

Rest and stabilize a consistent sleep and test-day routine