SD Life & Health study plan

Map each state regulation concept (producer licensing, appointment and termination, insurer oversight, marketing and advertising rules, replacement) to a one-line definition written in your own words

Break down the four elements of an enforceable contract and state how each element appears inside a life or health policy

Distinguish representations, warranties, concealment, fraud, waiver, and estoppel by writing one original example of each

Solve 20 practice items on risk types, insurable interest, indemnity, and adverse selection and label every miss by domain

Calculate life insurance need for three fictional clients using both the human life value and needs-based approaches

Explain in writing how underwriting inputs (application, paramedical exam, attending physician statement, MIB, inspection report) drive risk classification

Match every major policy provision (entire contract, grace period, reinstatement, incontestability, misstatement of age and sex) to its purpose and typical time limit

Rank the settlement options, dividend options, and nonforfeiture options and state the situation in which each is chosen

Select the correct rider for 20 scenario stems covering waiver of premium, guaranteed insurability, accidental death, term, long-term care, and return of premium

Compare term, whole life, universal life, variable life, and indexed universal life on premium flexibility, cash value, and who bears investment risk

Differentiate participating from nonparticipating policies and explain how dividends are generated and taxed

Separate immediate from deferred and fixed from variable annuities, and label the accumulation phase versus the annuitization phase in three example contracts

Explain the exclusion ratio conceptually and describe the tax treatment of annuity withdrawals, surrenders, and death benefits

Identify suitability and replacement concerns a producer must document before an annuity or life policy sale

Distinguish HMO, PPO, POS, and indemnity plans on network rules, referrals, and cost sharing

Define deductible, coinsurance, copay, out-of-pocket maximum, and coordination of benefits, then compute the member's share for three claims scenarios

Classify major medical, hospital indemnity, critical illness, cancer, and dental/vision policies by what each pays and when

Apply the market reform rules tested on this exam (guaranteed issue, essential health benefits, dependent coverage to age 26, medical loss ratio) to ten scenario stems

Apply the provisions common to health policies (free look, grace period, reinstatement, change of occupation, illegal occupation, time of payment of claims) to claim scenarios

Differentiate own-occupation, any-occupation, and split definitions of disability and calculate benefit amounts across elimination periods and benefit periods

Outline eligibility and structure for Medicare Parts A through D, Medicaid, and Social Security disability benefits

Explain how Medicare coordinates with employer plans, Medigap, and Medicaid, and summarize the COBRA and HIPAA rules tested on this exam

Re-work the 20 most-missed policy and provision items from weeks 2 and 3 and write a corrected explanation for each

Complete 60 timed questions on policy types and provisions in 60 minutes

Explain the tax treatment of policy loans, automatic premium loans, surrenders, and partial withdrawals

Trace a death claim from notice of loss to payment and name the provision that governs each step

Re-work the 20 most-missed health items and restate each as a corrected rule in your own words

Complete 60 timed health questions in 60 minutes

Compare individual and group health underwriting, then explain conversion privileges and continuation rights

Calculate disability income benefits net of elimination periods, offsets, and partial disability reductions for three scenarios

Take two full-length timed practice exams under exam conditions and record a scaled score for each

Re-memorize the state regulation limits and general-concept definitions that appear in your cumulative error log

Run a final pass of every error log item until each one is answered correctly twice in a row on separate days