Hi, Cash!
I just wanted to thank you so much for everything. I took the test
this morning and passed with an 83%. I found it interesting that
83% is the average score that people from your class earn...and that
is what I wound up with! I can honestly say that I did
EXACTLY what you instructed in your Formula for Licensing
Success....no more, no less. It took a LONG time to get through all
that material!!! I studied for a month straight, and it was all
worth it! I was surprised the state exam did not have any
computations regarding how much someone would pay in a medical claim
using the deductible and/or co-pay computations...I didn't have one
question on stop-loss. Know definitions of exclusion period,
blackout period, and dependency period. Know that Alcoholism is a
moral hazard. I didn't have one question on PIA. The question I
had regarding whether a situation was a domestic, foreign, or alien
insurance company used New Mexico (the answer was Foreign). I guess
that was their idea of tricking people who did not know that New
Mexico was a U.S. state! I can't stress enough that it is so
important to follow your success formula...yes, it is tedious and
time consuming to go through all the highlighted material THREE
times, and go through the 425 practice questions twice...but it is
worth it. I am so happy to be done with this! I couldn't have done
it without you.
Additionally, I sincerely enjoyed your class. You are a great
person, and it really was surprisingly pretty fun for the two
consecutive weekends! I have to say, I found it very entertaining!
You brought a lot of life info the class, and a lot of laughs as
well! You have a great sense of humor. Thank you so much again! I
would ABSOLUTELY recommend your course for the 2-15 Life, Health,
and Variable annuities exam.
Thanks again for everything,
Stacey Goodrich
From:
Bill0311@aol.com
To:
cash@cashbrown.com
Sent:
Monday, April 17, 2006 11:15 PM
Subject:
FEEDBACK FROM BILL SMITH
Hi
Cash,
I
just wanted to give you a little feedback. I just passed the Life,
Health and Variable with a score of 86.7%. Following up your class
with the "Power Cram" brought me into the exam both
prepared and psychologically confident.
A
number of the questions in the Power Cram were in my exam. I found
myself mentally answering many of the questions before reading the
answers. However, I made sure I read everything completely as they
do try to trip up the candidate.
You
asked us all to recall one question on our exam as a "give
back." Here's mine.
"Three
partners have agreed to an entity buy out plan. They each
have an equal interest. Their business is valued at $300,000. They
will need....A) One Policy of $300,000 2) Three Policies of
$100,000 C) 6 Policies D) 5 Policies.
Cash,
I am not a stranger to the classroom. I have three college
degrees. This I feel qualifies me to know what constitutes a good
teacher. You, Sir, are beyond good! You are a great teacher.
You don't simply dispense information, you make it come alive. You
make information relevent, and you convey it in an entertaining
manner. It is clear your high degree of energy is an outgrowth of
your caring nature. You're a good human being, and it shows. It
was a pleasure being trained by you. You're one in a million.
Sincerely......Bill
Smith
Subject:
Glad and Sad,
Date:10/18/01
From:
belin@interpoint.net
(Max Belin)
To:
bocakash@aol.com
Cash,
It has been nearly a week since the final exam and like your parable
of the camel jocks that were both glad and sad I find myself
feeling those same two emotions. Even though I expressed to you my
appreciation in person for how you delivered the 40 hour
Life/Health Agents Qualifying Course I wanted to add just a few
more words. You certainly deserve it.
Like
most of the others I signed up for the course because it was a
pre-requisite for taking the State Exam. Frankly, I expected to be
bored out of my mind. I even wondered how I would find the
fortitude to drive to Boca every day for the sessions. What I
certainly did not expect was to spend the most interesting and
thought provoking week in many a year.
I
can only begin to tell you how much I enjoyed your class. From the
1st hour to the last I wanted to hear more. Part of this feeling
came from your openness and sincerity. You shared tragedy and
triumph from your life and from a lifetime dedicated to the
insurance business. This made the course come alive for me. With
your experiences as backdrop, I was able to understand the basic
tenets of insurance in a manner that would have been difficult
otherwise. You told your stories in a very Aesopian manner, with
each parable an opportunity for learning and reflection.
You
incorporated the concepts of integrity and vocation throughout the
entire week of leaming's. You taught us that the needs of our
clients come long before our economic needs. You showed us that
this is a long-term business and that the foundation for client
relationships must be built on trust. You taught us how dependent
our policyholders will be on our competence, our honesty and our
ability to successfully guide them through the varied options that
are before them. This is not a business for those
"rabbits" that wish to make a fast buck, rather it's for
the "turtles" that believe in providing their clients
with the peace of mind and security that only a solid insurance
foundation can provide.
I
said in the beginning that I was both glad and sad. I'm so very
glad that I had the opportunity to attend your class. It helped me
validate my career decision to become an insurance agent. You are
an excellent professor and I believe I will remember you for the
rest of my life. It was important for me to get a 100% in the
final. It was my way of reciprocating the excellence that you had
given to me. I also want you to know that my first client will
sign his/her policy with the pen set you gave me. On the other
hand, I'm sad because the leaming's have stopped, at least for
now. You can count on me signing up for CE courses and adjusting
my schedule to ensure I have you for a professor. I suspect that
you have much more to teach me.
By
now I also suspect you are a grandfather again. Hopefully, mother
and child are doing fine. And, I do hope that your other
daughter's wedding went well. (Just think of what a story that
would make if somehow the wedding party ended up in the maternity
ward), I'll be starting with Northwestern Mutual soon and will
drop you a line from time to time to let you know how I'm doing.
Thank
you again for everything. Please let me know if I can ever be of
service to you.
Sincerely,
Max
A. Belin
Wednesday,
October 23, 2002 America Online:
Boca
Cash,
I
am notorious for turning 5 minute eraails into thesis papers so
read this at your leisure. I do however want to give you the most
complete answers so as to help as many people as possible. First,
I would like to suggest that everyone listens to Mozart the day
before and during the ride to the exam. It has been proven that
Mozart was such a profound musical genius that he can tap into our
subconscious and allow us to think on a higher plain even if for a
brief while. I highly recommend his piano concerti or, for the
movie buff, the Amadeus soundtracks. Who knows, maybe someone will
get turned onto classical music from this. The other issue that is
of utmost importance to stress is ..... NO CELL PHONES!I!!!. While
I was taking the exam some girl's phone went off. It rang 4 long,
loud times. At first the proctor simply told her she needed to
turn it off immediately. Then the girl had the audacity to answer
it. BIG NO NO. The proctor tore up her official name sheet and had
her thrown out. Can you imagine not only not being able to take
the test, but losing the money all because she couldn't part with
her phone for a few hours? I would highlight this incident to the
students and let them know these people won't fool around in
throwing the examinee out. Now, onto the important stuff.
1)highlight
and Outline Of Coverage.
2)Concerning
Entire Contract the question came down to does it DEFINE the
DOCUMENTS in a contract or the TERMS used in the contract?
3)Question
was, if a licensed agent is exchanging a reg. policy for a
variable one, how many days notice does the agent have to give.
This, to me, differed from Notice of Claim for here we are talking
about exchanging a policy.
4)Question
was, when do maternity benefits start a)30 days b) 90 days c) 270
days d) start of policy. Highlight and T maternity policy bener~
date.
5)Be
able to identify the parts of the Unfair Payment of Claim clause.
There are a couple of questions on that.
6)Question
was...PPO is an off shoot of which of the following
a)HMO
b)designated
provider organization
c)?
d)?
The book does not say what PPO was an off shoot of so I chose B as
the most sensible answer.
7)pg.
18 in book, test had 2-3 quest, concerning indep agents not career
or captive. HL and T Indep Agent.
8)pg.25
ques asked who funds the State Guarantee Assoc?
9)p.
32 HL and T Competant Party for the O. asked which element missing
if one or more not able to comprehend and the choices were Offer/accpt
..... legal purpose ....... consideration....competant party.
Seems like a no brainer, but you never know with some people.
10)
p35 This was a tricky O. asked if person concealed their asthma,
sent in policy and premium but when insured received policy for
free look, applic not attached...what would insur company do if
insured filed claim.
That's
about all the questions in my book that were not T'ed. I hope this
helps everyone. Thank you very much for all you did in making my
exam easier and I'll keep in touch.
Sincerely,
Scott
Fleischer
Friday,
July 19, 2002 America Online: BocaKash
Fwd:
My Comments on the Insurance Exam 9/30/02
Here
it is! Forwarded Message:
Subject: My Comments on the Insurance Exam
Date:
9/30/02 8:36
From:
Ronald. J.Gellert@aexp.com (Ronald J Gellert)
Hi
Cash,
93%
176
out of 189 correct.
The
test was so simple that I'm wondering how I got 13 wrong. The
truth is, it only SEEMED simple because of how well prepared I
was, due in large part to both your course and the cram.
I'll
get to questions in a minute, but here is some general advice
about taking it at PBCC. First of all it was very difficult to
find the test area. The directions from Experior once you park
were very confusing. Since I didn't want to contend with 1 95
commuter traffic I opted for the 12 noon sitting. I arrived at 11
and with the help of two students directing me found the modular
units way to the left of where I expected them to. However, when I
got there they asked if I wanted to start early, which was great
and although they have those terminals in the desk, on one wall
they had tubes on desks so if your students get there early, they
can have one of those. Tell the guys that they take your picture
for the insurance card that you receive when you pass, so wear a
tie.
Now
on to the test. Several duplicate questions. Not similar but
duplicate. There were no all or none of the above answers or I,
II, or III type questions. Only CORRECT or EXCEPT types and I
believe every question on Hilde's e-mail was on my test!. Going
over the answers last night to the questions regarding; Who can't
write health insurance (surety), the number of employees in a
company for the mandatory offering of an HMO option (25), The
Puerto Rico company being foreign,
The
question about partial disability paying medical expenses only,
Another question about 40% for partial disability, was a fabulous
help.
Every
one of Hilde's questions on page I of the e-mail was asked!
A
couple of new ones. If a disability is for over two tears how
often do you need to file a statement of proof (loss)?
15
days
45
days
6
months
1
year.
I
guessed 1 year, but I bet it's six months. Also, I did get a
Lloyd's of London question. Only one question on the
20,15,90,45,60 time frames.
Also
a very interesting question on what happens if someone fills out
an application, pays the first month's premium, receives a binding
receipt and schedules a physical. Before he takes it, he gets
killed in a car crash. Among the options, I wasn't sure if the
face value would be paid or if the premium would be returned
because the policy wasn't issued as of then.
Several
questions on rights of conversion by policyholder and family
members after termination. Question on consideration being offer
and acceptance. One on adhesion, One on express and one on implied
authority. Two or three on credit life. the 150 day waiting period
for disability on S.S. A few on other waiting periods like waiver
of premium and ability to sue. Also, lots on basic health
insurance. What's covered and what's not.(dental). Also very few
on medicare A and B and nothing (surprisingly) on Medigap. Only 1
on simultaneous death also only 1 on FCRA. A few on taxation. Your
general rule of thumb, that if premiums are taxable then benefits
are not, (and vice versa) was very helpful. A question requdng
that you know that when payments cease being made on an annuity,
it becomes a paid up deferred annuity. A question on the three
defined contribution plans, so you need to 'T' this in the cram
book. The Florida number of employees in a group was asked so the
answer was 1. Zero was not a given option. A few questions on the
Needs approach. Requires study since they are tricky questions.
Sorry don't remember the exact questions, but I'll let you know if
they come back to me. A lot of your" T's in the Life taxation
section of the Cram were asked.
By
the way, as you suggested, I'm going over the cram book as I'm
composing this e-mail.
28
hours for continuing ed was asked. Also know the difference
between Guaranteed Renewable and Noncancellable. Anestesia or
operating room for misc. expense? The exact question on hernia in
the cram book was asked. Also about a new employee with Asthma
able to join a group immediately. Study the 12 mandatory and 11
optional; several questions. Cost containment on HMO's and also
two questions the prevention aspect of HMO's. Also, know the
various provider designations and the term subscriber and
capitation. Discrimination vis-a-vis cickle cell that was
in the cram was asked.
Well
I guess that's it for know. I hope this will help your future
students, just as they helped me.
Let's
stay in touch.
You're
the best! (and funny too),
Ron
Gellert
Subject:
State test
Date:
9/10/02
From:
reyerj@bellsouth.net
(Jerome Reyer)
To:
bocakash@aol.com
When
I took your course a few weeks ago, you gave me an E mail from
Hildie Ruiz Puyana. one of the last things I studied before my
test was her E mail. Every question she referred to was on my
test! Studying the" T's" was the way to go. By the time
I took the test, I knew so much more than I did for your test,
which was basically memorizing questions. Anyway, I got an 87 and
finished in an hour and a half. I was so well prepared that I
thought they were tricking me when the questions seemed too easy.
By
the way, the 300 question exam at the end of the CD is an
invaluable preparation tool.
Thanks
for a fun week that stimulated my interest.
Best,
Jerry
Reyer
Subj:
Date:
9/8102 5:36
From:
5440@msn.com (Charles Simmons)
To:
bocakash@aol.com (Cash Brown)
Hi
Cash,
I
would like to take this opportunity to update you on my test
results and add my two cents worth regarding the test... 1st... I
passed the test... And I would like to tell you that passing this
test without taking your Cram Course would have been much much
more difficult... I had no idea that this test was that
difficult... Keep in mind that I have taken a lot of these type of
test in the past, and I consider this test to be as tough as any
test I have taken.. Tell your students that they need to study..,
study.., study .....","3 to 4 hours a day for a minimum
of 2 weeks ... For best results... 3-4 hours a day 3-4
weeks...This test is NOT a walk in the park... And secondly... NOT
signing up for your cram class is foolish... Period! Unless
someone has previous experience in this industry and/or has unique
abilities to learn and understanding... THEY NEED THE CRAM
COURSE...
That's
it... I'll stay in touch... I have signed up for the Certified
Financial Planners courses at the Amedcan College... Oh My!...More
Studying!
On
a personal note... I really appreciated attending your classes..
You add so much more to the material.., your experience is second
to none, and your students capitalize on your unique
experiences.., and more importantly... your counsel... I did! And
will continue to do so.
Best
of Health,
Charlie
Simmons