MT Life & Health study plan

Map all eight exam domains to their percentage weights and rank them by study priority

Define the roles of the state insurance department, the Commissioner, and the NAIC in regulating life and health sales

Distinguish the licensing statuses and violations that trigger a cease-and-desist order, a fine, or license revocation

Explain the marketing and disclosure rules that govern advertising, replacement, and delivery of the buyer's guide

Differentiate pure risk from speculative risk and list the elements that make a risk insurable

Calculate a human life value estimate and a needs-based estimate of the coverage a family requires

Sequence the underwriting process from application through policy issue, including the agent's report, MIB, and attending-physician statement

Identify the parties to a life insurance contract and explain owner rights and the rules for changing an irrevocable beneficiary

Break down the three premium cost factors (mortality, interest, expense) and apply them to ordinary, term, and group coverage

Classify whole life, universal life, variable life, and term by premium behavior, cash value, and death benefit behavior

Interpret the grace period, reinstatement, incontestability, and misstatement-of-age provisions in scenario form

Explain each nonforfeiture option and its effect on a policyowner who surrenders a cash value policy

Apply dividend options, settlement options, and policy loan mechanics to applied scenario questions

Match each rider (waiver of premium, disability income, accidental death, accelerated death benefit, long-term care) to the need it covers

Resolve at least 20 mixed policy-provision scenarios under timed conditions

Contrast immediate, deferred, fixed, and variable annuities by payout start date and investment risk bearer

Explain the accumulation and annuitization phases, including surrender charges and market value adjustments

Distinguish the annuity settlement options and explain how a straight life payout differs from a period-certain payout

Apply the exclusion ratio and the tax treatment of contributions, growth, and withdrawals

Define the cost-sharing terms that drive exam math: deductible, coinsurance, copayment, out-of-pocket maximum, and coordination of benefits

Classify the required uniform policy provisions and separate them from the optional provisions

Explain the renewability clauses (noncancellable, guaranteed renewable, conditionally renewable) and the premium guarantee each creates

Apply the own-occupation versus any-occupation definition of disability and the elimination period to claim scenarios

Explain how residual, partial, and total disability benefits are calculated and how the benefit period changes total payout

Compare basic medical expense, major medical, HMO, PPO, and POS plans on cost control and provider access

Identify the underwriting factors and exclusions that shape a disability income policy

Distinguish group health underwriting and enrollment rules, including COBRA continuation and HIPAA portability

Apply federal tax rules to life insurance proceeds, cash value growth, premium deductibility, and health insurance costs

Identify the remaining health topics tested: Medicare, Medicaid, workers' compensation, and long-term care

Re-drill the two lowest-scoring domains from earlier weeks until each practice set clears 80%