LA Life & Health study plan

Name every major life policy provision (entire contract, incontestability, grace period, reinstatement, misstatement of age, misstatement of sex, suicide, free look, payment of claims) and state its time limit from memory

Distinguish nonforfeiture options, dividend options, and settlement options, writing one worked example scenario for each

Differentiate irrevocable vs. revocable and primary vs. contingent beneficiary designations, and explain per stirpes, per capita, and spendthrift clauses

Apply the transfer-for-value rule, facility-of-payment provision, and common disaster clause to four short fact patterns

Compare term, whole life, universal life, variable life, and indexed universal life on premium structure, cash value behavior, and death benefit design

Compute the effect of a partial withdrawal and of a policy loan on cash value and death benefit in a universal life illustration

Sequence the underwriting process from application through policy delivery, including the agent's report, paramedical exam, and attending physician statement

Explain the relationship among premium mode, total annual outlay, and the grace period

Identify the parties to a life insurance contract and the elements that make an application a binding contract

Outline Louisiana producer licensing: prelicensing education, exam, appointment by an insurer, license term, renewal, and continuing education reporting

Describe Louisiana rules on rebating, twisting, misrepresentation, commingling of premiums, fiduciary duty, and the penalties attached to each

Distinguish stock vs. mutual insurers, admitted vs. nonadmitted insurers, and explain the roles of the insurance department and the guaranty association

Define risk retention, risk transfer, adverse selection, coinsurance, and deductible, and match each to a short scenario

Differentiate own-occupation, any-occupation, and split-definition disability, and calculate the benefit payable given an elimination period and benefit period

Compare HMO, PPO, POS, and indemnity plans on network rules, referral requirements, and cost sharing

Explain Medicare Parts A, B, C, and D, the initial and general enrollment periods, and the Medigap open enrollment right

Identify the triggers, elimination period, benefit duration, and inflation protection features of qualified long-term care insurance

Apply group health coordination-of-benefits, continuation, and conversion rules to three short scenarios

Map each required uniform health policy provision (entire contract, time limit on certain defenses, grace period, reinstatement, claim procedures, physical exam, legal actions, change of occupation) and state its time frame

Explain the purpose of the free look, the incontestability clause, the insurance-with-other-insurers clause, and the relation-of-earnings clause in a health contract

Calculate benefits payable in scenarios involving a deductible, coinsurance percentage, and an out-of-pocket maximum

Distinguish cancellable, optionally renewable, conditionally renewable, guaranteed renewable, and noncancellable health policies

Compare fixed, indexed, and variable annuities on interest crediting, market risk borne by the owner, and separate account treatment

Explain the accumulation phase, the annuitization phase, and the straight life, life with period certain, joint and survivor, and systematic withdrawal payout options

Compute the exclusion ratio and identify which portion of an annuity payment is taxable, including the treatment of early withdrawals and loans

Describe surrender charge schedules, market value adjustments, free withdrawal amounts, and annuity suitability and senior protection obligations

Re-answer every previously missed question from weeks 1 through 6 and group the errors by domain to expose the two weakest areas

Redo Louisiana licensing, appointment, CE, and prohibited-practice material without notes and score 100% on a 20-question regulation drill

Retest general insurance concepts and annuities with a 30-question set and reach 85% on each

Rewrite each missed concept as a single sentence in your own words and file it in the error log

Complete two full-length timed practice exams under test conditions with no notes and the clock running

Review every missed question from both exams and confirm the underlying rule before moving on

Drill Louisiana regulation and life provisions and beneficiary questions until each area holds at 90% or better

Recite from memory the key numeric facts: grace periods, free look, reinstatement, incontestability, and health and annuity time limits