Insurance Commission Licensure Exam - Non-Life exam-day guide
Insurance Commission Licensure Exam - Non-Life · Prepare for the day ahead.
Your checklist
Admission notice / appointment confirmation
Print or save the notice the testing or licensing provider issued to you. It usually shows your name, exam session, and testing center. If you have not received one, confirm with the provider how and when it is issued; do not assume a walk-in is allowed.
Valid government-issued photo ID
Bring the original ID, not a photocopy or a photo on your phone. Acceptable ID types and whether a second ID is required vary by jurisdiction, so confirm the exact list with the Insurance Commission or its testing provider before exam day.
Name match between ID and registration
Your registered name should match your ID exactly, including middle names and suffixes. If you registered under a different spelling or a maiden name, contact the provider in advance to correct it; mismatches are a common cause of denied entry.
Black ballpoint pens (two or more)
Most non-life exams use paper answer sheets that require dark ink. Confirm with the provider whether pens are supplied and whether correction fluid or pencils are prohibited; many testing centers ban correction tape and erasable pens.
Allowed calculator
Non-life exams include premium, deductible, coinsurance, and ratio computations. Confirm which calculator models are permitted; programmable or graphing calculators are commonly restricted, and some centers require a basic non-programmable unit only.
No prohibited electronics or notes
Phones, smartwatches, earbuds, and study notes normally must be switched off and stored away from the desk. Confirm the provider's storage arrangements so you are not caught holding a device during the test.
Know the venue and arrival time
Do a route check the day before, including traffic and parking or public transport access. Arrive earlier than the stated reporting time; late arrivals are frequently refused admission regardless of reason. Confirm the reporting time with the provider rather than relying on the notice alone.
Review the current exam program and coverage
Confirm with the provider the current number of items, time allowed, subjects covered, and passing standard, since these can change between administrations. Do not rely on outdated forum posts or old reviewers for the format.
Comfort and logistics items
Bring water and a light snack only if the provider permits them in the testing room; otherwise plan to eat before entry. Dress in layers, since room temperature varies, and keep valuables minimal.
Rest and health preparation
Sleep normally for two nights before the exam and avoid last-minute cramming of new topics. If you are ill, confirm the provider's rescheduling or refund policy before exam day rather than after.
Confirm scoring and results release
Ask the provider how and when results are released and whether a failing score can be appealed or re-taken, and after what waiting period. These rules are set by the Commission and can change, so verify rather than assume.
Backup plan for the unexpected
Save the provider's contact number and know its office hours in case of transport failure, lost ID, or venue change. Report problems immediately; some providers allow documented emergencies to be rescheduled.
Plan the day
Stop learning new material. Re-read your own summary sheets on the core non-life topics: fire and property, marine, motor, casualty, liability, and allied lines, plus the regulatory framework and policy provisions. Do timed practice sets under exam conditions, then review only the items you got wrong. Confirm venue, reporting time, and ID requirements with the provider. Prepare the documents and calculator you will bring and test the calculator's battery.
Do a light review of formulas and definitions only: premium computation, deductibles, coinsurance, average clause, indemnity, insurable interest, subrogation, and contribution. Pack your bag with ID, notice, pens, and calculator. Check transport and, if needed, book a ride. Eat a normal meal, avoid alcohol and heavy caffeine late in the day, and sleep at your usual time. Do not study past the point of fatigue.
Eat a proper breakfast and arrive at the venue well before the reporting time. Leave phones and notes with whoever accompanies you or in the designated storage area. Use the restroom before entering the room. Once seated, fill in your name and examinee number exactly as instructed, check that your booklet is complete, and read the instructions on the answer sheet before answering.
Read each question fully, including words like EXCEPT, NOT, and BEST. Answer the items you know first, mark uncertain ones, and return to them; do not let one hard computation consume your time. For computation items, write the formula, substitute values, and check units and rounding. Transfer answers to the answer sheet as you go and keep the numbering aligned. Watch the clock at the halfway point and reserve the last few minutes to verify that no item is left blank and that your entries are legible.
Rules to check
Bring the original government-issued photo ID specified by the provider; photocopies, digital copies, and expired IDs are normally refused. Confirm the accepted ID list with the provider in advance.
Arrive before the stated reporting time. Candidates who arrive after the cut-off are commonly denied entry, and fees are usually not refunded. If you are delayed, contact the provider immediately.
Electronic devices, smartwatches, and study notes must be switched off and stored as directed. Possession of a device at the desk can lead to cancellation of your paper even if you did not use it.
Follow all instructions from proctors and invigilators. Talking, passing materials, looking at another candidate's paper, or leaving without permission is treated as a violation and may result in disqualification.
Breaks are usually limited and may require permission and accompaniment. Confirm the provider's policy on water, medication, and restroom breaks before the exam, especially if you have a medical need.
Scoring and passing standards are set by the Commission and can change between administrations. Confirm the current passing score, whether all subjects must be passed, and any conditional or removal rules with the provider.
Results and any appeal or re-take procedures follow the Commission's rules and timelines. Do not rely on unofficial sources for release dates or score disputes; verify with the provider.
Keep your answer sheet clean and legible. Erasures, multiple marks, or mismatched numbering can cause an item to be marked wrong. If you must change an answer, follow the proctor's instruction for corrections.