All That You Need To Know To Pass A California Insurance Exam Successfully.

All That You Need To Know To Pass A California Insurance Exam Successfully.

by

Lara Newcomb

Who Takes the California Insurance Exams?

The type of insurance you would like to sell will determine which California insurance license you will obtain. There are three main insurance licenses in California (Life-Only Agent, Accident & Health and Fire and Casualty). The Life-Only and Accident & Health insurance licenses will allow you to sell life and health insurance (including annuities). The Fire and Casualty insurance license will allow you to sell all other types of insurance (including personal lines and commercial lines). If you are only going to be selling personal lines and NOT commercial lines then you can take the Personal Lines only exam. If you are only going to be selling personal lines auto insurance you can obtain the Auto Limited lines license.

What are the pre-licensing requirements for the various California Insurance licenses?

California Life Only 20-Hours + 12-Hours specific to Ethics & Code

California Accident & Health Only 20-Hours + 12-Hours specific to Ethics & Code

You can obtain both licenses above and take a combined exam by completing our 40-Hour Life & Health Agent course (plus 12-Hours of Ethics & Code) and scheduling to take the combined exam.

[youtube]http://www.youtube.com/watch?v=PTFbWYXajC4[/youtube]

California Fire & Casualty 40-Hours + 12-Hours specific to Ethics & Code

California Personal Lines 20-Hours + 12-Hours specific to Ethics & Code

California Auto Limited Lines 20-Hours + 12-Hours specific to Ethics & Code

The 12-Hour Ethics and Code course only has to be completed once. Pre-license education can be obtained through a live class, or online.

Are the Insurance Exams different state to state?

Yes! Be very careful when preparing for your exam to make sure the material you study is California specific. There are many insurance schools out there that offer generic study materials that are NOT specific to the CA exam. The course you study MUST be California specific. Our online courses were created specifically to satisfy the California pre-license requirement and prepare you to pass your California insurance exam on your first attempt.

What content do the California Insurance tests cover?

The California insurance tests are very broad. The California Department of Insurance creates and published exam outlines that are referred to as Educational Objectives for each exam. You can view and print the Educational Objectives for each and every exam by typing Educational objectives into the search box on the California Department of Insurance website homepage at www.insurance.ca.gov. All of our course content was created to reflect the most recent copy of the California Educational Objectives.

Do I need a sponsor to take a California Insurance exam?

No. You do not need a sponsor. In order to sell insurance in California you do need to be appointed by an insurer. However, you do not need to be appointed to schedule your exam.

How do I schedule my insurance exam?

You can schedule your exam prior to completing our online pre-licensing course. This way you can ensure the date you select is shortly after your completion of our course so the information is still fresh in your mind. You will schedule your exam on the California Department of Insurance website (www.insurance.ca.gov). You must fill out an electronic license application and pay both your licensing fee and testing fee during registration. Once the DOI has received your application and fees they will notify you via e-mail that you can select a test date on their site. You can obtain more detailed information about scheduling your exam by typing FLASH into the search box on the California Department of Insurance website.

What should I bring to the test center the day of my Insurance Exam?

You should bring your Key Facts from our California Insurance Licensing course to re-read just prior to going in to take your California insurance exam. This will load your memory for the test. They will provide you with a pen/pencil, scratch paper, and basic function calculator at the test site. Make sure to write down your cheat sheet on your scratch paper when you sit down at your cubicle prior to starting your insurance license test. This will allow you to refer back to it whenever you need to during the exam.

If I don t pass is there any waiting period that applies before I can retake the insurance licensing exam?

No, there is no waiting period before you can re-test. However, each time a candidate retakes the exam another full testing fee is required ($41 for most exams).

You will find more detailed information about the

California Insurance Exam

on our web-site.

Article Source:

ArticleRich.com

Richard Hammond injured in jet-powered car crash

Wednesday, September 20, 2006

Richard Hammond, a British television presenter known for presenting shows such as Top Gear and Brainiac, is in a “stable” condition in hospital following a car accident during filming for Top Gear. He was injured when the jet-powered car he was driving crashed during filming for the former. The car, similar to the “Vampire” which holds the British land speed record, overturned whilst being driven at speeds of up to 300 miles per hour at Elvington airfield near York, in what was suggested to be an attempt at bettering the previous record. It has been suggested that he succeeded in a previous attempt. Emergency services were called to the scene at 5.45pm local time (16.45 UTC).

He was airlifted to the specialist neurological unit at Leeds General Infirmary. A former firefighter who was providing fire safety at the site and witnessed the accident said that Hammond was initially unconscious but able to speak when removed from the wreckage. At the time he indicated some pain in his lower back. Numerous eyewitnesses from the Top Gear crew claimed he was ‘helped into’ an air ambulance, suggesting he was conscious at the time. The ambulance service is reported to have said that Hammond was unconscious when they arrived at the scene, but began to regain consciousness upon arrival at the hospital.

The car was “very very badly damaged and in many pieces on the runway”, according to BBC News 24, reporting comments made by his colleagues.

A web sitehas been set up for well-wishers enabling them to donate to the Yorkshire Air Ambulance. This site will accept donations until January 21, 2007. As of 23.09 (UTC) 21st September 2006 (day 2) £52,239.90 had been raised, surpassing the original target of £340.00 and well past their target of £51,000 (150 flights) that was set in the past few days.

Retrieved from “https://en.wikinews.org/w/index.php?title=Richard_Hammond_injured_in_jet-powered_car_crash&oldid=567067”

An account of the Esperanza Fire from an animal rescuer

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

Saturday, December 2, 2006

As families fled their homes in the early morning hours on Thursday October 26, there was no warning. The Esperanza Fire southeast of Los Angeles and West of Palm Springs, California, had ballooned under the influence of Santa Ana winds to more than 19,000 acres as of the morning of October 27. No time to get the animals, no time for crates or even a leash. Sadly, owners left behind not only their horses, lamas, donkeys, chickens, rabbits, but also their dogs and cats.

Many of the families who did manage to evacuate their pets found themselves in the parking lot at the Fellowship in the Pass Church Red Cross Shelter where a MuttShack Animal Rescue team caught up with them.

Pam Anderson, Director of the emergency Red Cross shelter said that many people with animals had come and left.

The air was thick with smoke, and ash was raining down on the parking lot where dog owners, not able to take their dogs into the shelter were camping out in pup tents andin their cars.

Those who could afford it checked themselves into pet friendly hotels in nearby towns.

Some were prepared. Jane Garner, a small dog breeder was able to get all her animals out, and had set up her puppy runs alongside her RV in the parking lot. Others were not doing too well, having left home without as much as a leash.

The same scenario played out at the Red Cross shelter at Hemet High School. Animals were being boarded in vans, trailers and cars and small travel crates.

When MuttShack Animal Rescue arrived, a small fracas had sent several dogs off in different directions, running out of the school parking lot down busy streets necessitating an instant rescue response.

The Incident Command for the Esperanza Animals, Ramona Humane Society in San Jacinto welcomed MuttShack‘s offer to help at the shelters.

Ramona Humane Society had recently published a notice in their Newsletter about the newly passed “PETS Act”and warned owners not wait until a major disaster such as an earthquake or fireto prepare. “Be proactive to ensure that your pet will be taken care of.”

MuttShack and PetSmart Charities set up ad hoc facilities for the animals at both shelters.

The Red Cross shelter, run by Madison Burtchaell of the Orange County Red Cross was very accommodating about allowing a small emergency pet shelter adjacent to the School.

Barbara A. Fought of PetSmart Charities, an organization that works with animal welfare organizations and provide assistance in disasters, provided crates and emergency supplies.

MuttShack and Red Cross volunteers, Martin St. John, Tom Hamilton, and Steve Meissner helped assemble the crates to secure a safe environment for evacuated pets.

It was a great relief for evacuees who had camped out in the parking lot to finally leave their vehicles and relax at the shelter, setting up their cots to grab some sorely needed rest.

Firefighters and residents reported loss of wildlife and animals. The Esperanza fire burned 34 homes, consumed 40,000 acres and cost five Firefighters their lives before it was contained four days later on October 30. Firefighting operations cost nearly $10 million.

MuttShack Animal Rescue is a 501(c) 3 non-profit organization active in disasters and dedicated to the rescue, rehabilitation and care of lost or discarded dogs, cats and other animals.

Retrieved from “https://en.wikinews.org/w/index.php?title=An_account_of_the_Esperanza_Fire_from_an_animal_rescuer&oldid=2318203”

Culture of creativity features at Furnal Equinox 2018

Sunday, March 25, 2018

Visual art, fabric art, photography, performance, dance, virtual reality, and music were all the subject of sessions at Furnal Equinox 2018, a conference held from March 16 to 18 at Toronto’s Westin Harbour Castle. Canada’s largest furry convention by attendance, the annual event offers dozens of subculture-specific programs.

The convention’s communications and public relations coordinator for the event, Ronnie, describes furries as “people that enjoy arts and culture centred around animals and animal-themed topics, essentially. Furnal Equinox in particular, we like to celebrate in a very visual and very […] artistic nature, where we have lots of arts and performances and crafts that go on, and people celebrate with lots of socialisation involved.”

Of the attendees, Ronnie told Wikinews “they come from all walks of life. They are people of all ages, sizes, all sorts of backgrounds, and they come together under one mutual interest, which is their love for animal culture.”

“Programming at Furnal Equinox involves[…] a lot of informational panels, so you can find out about topics from art and how to draw, or how to visually incorporate different elements into your artworks. You can also find panels that teach you how to write better, be a better fiction author for example,” explained the event representative.

At one panel Wikinews attended, members of its all-volunteer organising committee spoke of the year-long process of planning the event, and their reasons for committing such a significant amount of their time. Said one panelist, “if you’re happy, we’re happy.”

The largest hub of activity at the convention was a dealer’s room; nicknamed the “Dealer’s Den”, giving it an anthropomorphic twist. Vendors were selling original visual art, wearables like faux fur tails or ears, or things like jewellery or soap with motifs that would interest attendees.

The back area of the room was dedicated to a charity auction, with proceeds benefiting Happily Ever Esther Farm Sanctuary. According to the convention website, the charity is “dedicated to rescuing abused, neglected, and abandoned farmed animals. Their goal is to provide a safe, life-long home for all of their residents, and to educate the public about the true nature of farmed animals through tours, volunteer programs, and community outreach.”

Split into groups, some attendees played “Fursuit Games” in front of an audience, like trying to toss a ball into a garbage can. The activity made harder, of course, by the limited dexterity and vision the most of the costumes entail.

Retrieved from “https://en.wikinews.org/w/index.php?title=Culture_of_creativity_features_at_Furnal_Equinox_2018&oldid=4564837”

E Cigarettes Vs Tobacco Dependence Study

August, 2015 byadmin

Electronic cigarettes (often referred to as “e-cigs”) have become increasingly popular over the past few years, but relatively few electronic cigarette scientific studies have been conducted to determine whether or not e-cigarettes are likely to produce a lower level of physical dependency than traditional cigarettes. A recent study spearheaded by Dr. Jonathan Foulds, Professor of Public Health Sciences at Penn State College of Medicine, has aimed to remedy this lack of publicly available scientific research by way of conducting an online survey of over 3,600 current and former smokers who now use e-cigarettes as an alternative nicotine delivery system. The study found that most current e-cigarette users actually feel “less addicted” to e-cigarettes than they did when using traditional tobacco cigarettes.

The survey indicated that although e-cigarette users may not have changed their overall amount of nicotine intake (24 tobacco cigarettes per day versus 24 e-cigarettes per day), they did experience a noticeable decrease in the amount of withdrawal symptoms that normally accompany smoking cessation, such as irritability and physical urges. Below are some other interesting data points that were mined from the study:

* E-cigarette users did not feel the need to vape right after they wake up in the morning, a sharp contrast to the typical early morning cigarette urge that most traditional tobacco users experience.

* Most e-cig users could now make it through an entire night without waking up in the middle of the night to satisfy a nicotine craving.

* Roughly two-thirds of the survey participants reported a major reduction in nicotine cravings once they switched to e-cigarettes.

* Only 25% of participants reported feeling any kind of anxiety, irritability or nervousness when they were not able to use their e-cigarette. This is a sharp contrast to the over 90% of traditional tobacco cigarette smokers who experienced these types of symptoms.

Although there has been quite a bit of speculation as to what exactly accounts for the difference in physical dependency symptoms between e-cigarettes and tobacco cigarettes, one of the most commonly accepted explanations is that e-cigarettes on average deliver less nicotine than traditional cigarettes. This is thought to help keep nicotine levels in users’ blood lower than what is typically experienced with tobacco cigarettes. The accessibility of e-cigarettes is also thought to be a factor; there is a certain amount of “craving buildup” that can happen when a person is not allowed to smoke in public facilities, which can sometimes lead to nicotine binges when they finally do get an opportunity to step outside and have a smoke. Since vaping is typically allowed in public places, users are better able to keep their nicotine cravings at bay.

Breathe Intelligent Cigarette provides the public with educational information regarding the Electronic Cigarette Industry. Please visit breatheic.com to learn more and to purchase electronic cigarette, vaping, and e-hookah products including wholesale distribution.

India signs on to chemical patents to comply with WTO order

Wednesday, March 23, 2005

A bill passed by India’s Parliament put an end to the manufacture of many cheap generic drugs copied from products protected by foreign company patents. A Patents Amendment Bill (2005) has been condemned by foreign aid groups who expect a significant rise in drug costs as a result of the bill.

Drug compounds in India were previously not protected by patents, meaning that research and developement costs borne by the originating manufacturers were avoided by generic drug producers. The new bill “will move India toward the patent mainstream and support and encourage innovation and investment in research and development in India,” said Ranjit Sahani, managing director of Novartis India.

As the world’s fourth-largest manufacturer of drugs by volume, the pharmaceutical industry in India is valued at US$5 billion – but ranks as only 13th by value, reflecting the low costs to consumers of the products. “Because India is one of the world’s biggest producers of generic drugs, this law will have a severe knock-on effect on many developing countries which depend on imported generic drugs from India,” said Samar Verma, regional policy adviser at Oxfam International.

Around half of African, Asian and Latin American HIV patients needing anti-retroviral drugs rely on low-cost drugs from India, which are sold at one twentieth the price of similar drugs produced in the West.

More than 90 per cent of drugs listed as essentials in India are either unpatented or expired. Drugs patented before 1995 — when the World Trade Organization [WTO] set a 10 year deadline to enact protection — will not be eligible under the bill.

Some degree of protection was mandated by WTO in order for India to have greater access to international markets. Opposers of the bill say it goes too far.

The Agreement on Trade-Related Aspects of Intellectual Property Rights [TRIPS], under WTO, allows developing countries to not provide patent protection for uses of known drugs, new dosages and formulations, or combinations of known drugs.

Retrieved from “https://en.wikinews.org/w/index.php?title=India_signs_on_to_chemical_patents_to_comply_with_WTO_order&oldid=695002”

How the Army Corps of Engineers closed one New Orleans breach

Friday, September 9, 2005

New Orleans, Louisiana —After Category 4 storm Hurricane Katrina slammed into New Orleans, on the night before August 29, 2005, several flood control constructions failed. Much of the city flooded through the openings. One of these was the flood wall forming one side of the 17th Street Canal, near Lake Pontchartrain. The U.S. Army Corps of Engineers (USACE) is the primary agency for engineering support during such emergencies. A USACE team was assessing the situation in New Orleans on the 29th, water flow was stopped September 2nd, and the breach was closed on September 5th.

Retrieved from “https://en.wikinews.org/w/index.php?title=How_the_Army_Corps_of_Engineers_closed_one_New_Orleans_breach&oldid=1982711”

Cisco Ccnp Collaboration 300 070 Ciptv1 Exam Dumps Certpark}

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Which two codecs are required for Cisco WebEx Enabled TelePresence? (Choose two.)

A. G.711 codec for audio

B. H.264 codec for video

C. G.729 codec for audio

D. G.711 or G.729 codec for audio

E. H.263 codec for video

F. H.264 or H.263 codec for video

Answer: A,B

Which three commands show the output of an active video call? (Choose three.)

A. show vrm active_calls

[youtube]http://www.youtube.com/watch?v=0G4UzPEF1X8[/youtube]

B. show call active video brief

C. show voip rtp connections

D. show voice call

E. show voice call summary

F. show video dsp

Answer: B,C,E

Which three statements about the default VoIP dial peer are true? (Choose three.)

A. VAD is disabled.

B. RSVP is not supported.

C. Only the G.711 codec is supported.

D. The G.729 and G.711 codecs are supported.

E. Fax-rate service is supported.

F. DTMF relay is supported.

Answer: B,D,E

Which three are functions of Cisco Unified Border Element? (Choose three.)

A. client registration

B. H.323 and SIP interworking

C. Lync interworking

D. transcoding

E. phone proxy

F. mobile and remote access

Answer: B,D,E

Which three CLI commands allow you to verify the correct VoIP dial-peer matching? (Choose three.)

A. debug ccsip messages

B. debug voip ccapi inout

C. debug dialpeer match

D. debug voip dialpeer inout

E. show dialplan numbe

Answer: B,D,E

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English court jails policeman over insurance fraud

Thursday, July 1, 2010

A court in England, UK has jailed a policeman for ten months after he was convicted of defrauding his car insurance company.

Police Constable Simon Hood, 43, arranged for a friend who dealt in scrap metal to dispose of his Audi TT, then claimed it had been stolen.

Hood had been disappointed with the car’s value when he tried to sell it two years after its purchase in 2008. He arranged for friend Peter Marsh, 41, to drive the vehicle to his scrapyard in Great Yarmouth, Norfolk. Marsh then dismantled the vehicle with the intent of disposing of it, but parts were later found wrapped in bubblewrap at Ace Tyre and Exhaust Centre.

Marsh picked up the TT from outside nearby Gorleston police station. Records show mobile phone conversations between the conspirators that day in March, both before and after the vehicle was reported stolen. The pair denied wrongdoing but were convicted of conspiring to commit insurance fraud after trial.

The fraud was uncovered after Hood told former girlfriend Suzanne Coates of the scheme. It was alleged before Norwich Crown Court that he had confessed to her in an effort to resume their relationship. Coates said that after the pseudotheft, Hood told her “he didn’t want to look for it. He said it would be like looking for a needle in a haystack, which I thought was a bit strange.”

You knew throughout your career that policemen that get involved in serious dishonesty get sent to prison

Shortly afterwards Hood suggested they should become a couple once more, she said; she challenged his version of events regarding the car: “He said he did it but I couldn’t tell anyone. He said he did it with Peter. Peter had a key and took the car away and it was going to be taken to bits and got rid of so it was never found.”

Hood was defended by Michael Clare and Marsh by Richard Potts. Both lawyers told the court that their clients had already suffered as a result of the action in mitigation before sentencing. Clare said Hood had resigned from the police after fifteen years of otherwise good service and risked losing his pension. “It is not a case where his position as a police officer was used in order to facilitate the fraud,” he pointed out. “His career is in ruins.” Hood is now pursuing a career in plumbing.

Potts defended Marsh by saying that he, too, had already suffered from his actions. His own insurers are refusing to renew their contract with him when it expires and his bank withdrew its overdraft facility. His business employs 21 people and Potts cited Marsh’s sponsorship of Great Yarmouth In Bloom as amongst evidence he supported his local community.

Judge Alasdair Darroch told Marsh that he did accept the man was attempting to help his friend. He sentenced Marsh to six months imprisonment, suspended for two years and ordered to carry out 250 hours of community service. He was more critical of Hood:

“As a police officer you know the highest possible standards are demanded by the public. You have let down the force. You knew throughout your career that policemen that get involved in serious dishonesty get sent to prison.”

Retrieved from “https://en.wikinews.org/w/index.php?title=English_court_jails_policeman_over_insurance_fraud&oldid=4459597”

Wikinews interviews Kristian Hanson, producer-director of indie horror film ‘Sledge’

Thursday, October 23, 2014

Just days away from Halloween, Wikinews interviewed Kristian Hanson, producer-director of independent slasher film Sledge. The film has been a recent source of discussion in horror fan circles, primarily due to its production budget of only US$800. Sledge is Hanson’s fourth film to direct, according to Internet Movie Database.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Kristian_Hanson,_producer-director_of_indie_horror_film_%27Sledge%27&oldid=4567509”