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New Jersey Life & Health Study Guide

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Section 1 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 1) Preview

Preview: Life insurance and annuities

Preview includes
  • 4 of 5 lesson topics
  • 1 overview segment
  • 3 core concepts
  • 2 exam tips

Lesson Topics

  • Term life purpose and structure
  • Level, decreasing, and increasing death benefits
  • Renewability
  • Convertibility

Overview

Term insurance provides temporary death-benefit protection for a stated period and ordinarily does not build cash value.

Core Concepts

  • Level term keeps the stated death benefit level during the term; premiums may be level for the guaranteed period.
  • Decreasing term reduces the death benefit over time and is commonly associated with a declining obligation such as a mortgage.
  • Increasing term provides a death benefit that rises according to the contract, often to address growing needs or inflation.

Exam Tips

  • Read the death-benefit pattern before looking at premium wording.
  • When a scenario says health worsened, look for conversion or guaranteed-insurability rights.
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Section 2 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 2) Pro
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Section 3 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 3) Pro
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Section 4 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 4) Pro
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Section 5 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 5) Pro
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Section 6 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 6) Pro
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Section 7 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 7) Pro
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Section 8 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 8) Pro
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Section 9 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 9) Pro
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Section 10 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 10) Pro
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Section 11 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 11) Pro
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Section 12 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 12) Pro
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Section 13 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 13) Pro
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Section 14 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 14) Pro
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Section 15 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 15) Pro
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Section 16 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 16) Pro
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Section 17 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 17) Pro
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Section 18 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 18) Pro
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Section 19 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 19) Pro
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Section 20 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 20) Pro
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Section 21 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 21) Pro
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Section 22 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 22) Pro
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Section 23 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 23) Pro
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Section 24 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 24) Pro
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Section 25 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 25) Pro
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Section 26 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 26) Pro
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Section 27 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 27) Pro
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Section 28 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 28) Pro
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Section 29 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 29) Pro
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Section 30 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 30) Pro
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Section 31 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 31) Pro
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Section 32 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 32) Pro
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Section 33 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 33) Pro
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Section 34 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 34) Pro
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Section 35 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 35) Pro
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Section 36 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 36) Pro
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Section 37 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 37) Pro
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Section 38 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 38) Pro
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Section 39 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 39) Pro
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Section 40 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 40) Pro
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Section 41 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 41) Pro
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Section 42 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 42) Pro
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Section 43 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 43) Pro
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Section 44 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 44) Pro
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Section 45 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 45) Pro
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Section 46 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 46) Pro
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Section 47 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 47) Pro
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Section 48 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 48) Pro
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Section 49 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 49) Pro
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Section 50 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 50) Pro
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Section 51 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 51) Pro
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Section 52 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 52) Pro
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Section 53 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 53) Pro
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Section 54 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 54) Pro
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Section 55 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 55) Pro
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Section 56 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 56) Pro
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Section 57 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 57) Pro
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Section 58 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 58) Pro
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Section 59 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 59) Pro
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Section 60 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 60) Pro
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Section 61 Specific exam blueprint requirement: term life: level, decreasing, increasing, renewable and convertible — Concept: term life: level, decreasing, increasing, renewable and convertible (Item 61) Pro
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Section 62 Specific exam blueprint requirement: whole life: continuous-pay, limited-pay and single-premium — Concept: whole life: continuous-pay, limited-pay and single-premium (Item 62) Pro
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Section 63 Specific exam blueprint requirement: universal, variable, variable universal and indexed life — Concept: universal, variable, variable universal and indexed life (Item 63) Pro
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Section 64 Specific exam blueprint requirement: annuities: fixed, variable, indexed, immediate/deferred and payout options — Concept: annuities: fixed, variable, indexed, immediate/deferred and payout options (Item 64) Pro
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Section 65 Specific exam blueprint requirement: ownership, assignments, beneficiaries and insurable interest — Concept: ownership, assignments, beneficiaries and insurable interest (Item 65) Pro
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Section 66 Specific exam blueprint requirement: premium modes, grace period, reinstatement and policy loans — Concept: premium modes, grace period, reinstatement and policy loans (Item 66) Pro
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Section 67 Specific exam blueprint requirement: cash values, nonforfeiture options and dividends — Concept: cash values, nonforfeiture options and dividends (Item 67) Pro
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Section 68 Specific exam blueprint requirement: incontestability, suicide and misstatement of age — Concept: incontestability, suicide and misstatement of age (Item 68) Pro
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Section 69 Specific exam blueprint requirement: settlement options and accelerated death benefits — Concept: settlement options and accelerated death benefits (Item 69) Pro
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Section 70 Specific exam blueprint requirement: life riders: waiver, guaranteed insurability, accidental death and term riders — Concept: life riders: waiver, guaranteed insurability, accidental death and term riders (Item 70) Pro
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Section 71 Specific exam blueprint requirement: applications, receipts, underwriting, risk classification and delivery — Concept: applications, receipts, underwriting, risk classification and delivery (Item 71) Pro
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Section 72 Specific exam blueprint requirement: replacement, group life, conversion, business uses, retirement and taxation — Concept: replacement, group life, conversion, business uses, retirement and taxation (Item 72) Pro
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Section 73 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 73) Pro
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Section 74 Specific exam blueprint requirement: elimination and benefit periods — Concept: elimination and benefit periods (Item 74) Pro
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Section 75 Specific exam blueprint requirement: medical expense, deductibles, coinsurance, copayments and out-of-pocket limits — Concept: medical expense, deductibles, coinsurance, copayments and out-of-pocket limits (Item 75) Pro
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Section 76 Specific exam blueprint requirement: HMO, PPO, POS and managed-care concepts — Concept: HMO, PPO, POS and managed-care concepts (Item 76) Pro
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Section 77 Specific exam blueprint requirement: group health, continuation, conversion and coordination of benefits — Concept: group health, continuation, conversion and coordination of benefits (Item 77) Pro
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Section 78 Specific exam blueprint requirement: Medicare Parts A/B/C/D and Medicare supplement — Concept: Medicare Parts A/B/C/D and Medicare supplement (Item 78) Pro
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Section 79 Specific exam blueprint requirement: Medicaid basics — Concept: Medicaid basics (Item 79) Pro
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Section 80 Specific exam blueprint requirement: long-term care levels of care, benefit triggers and inflation protection — Concept: long-term care levels of care, benefit triggers and inflation protection (Item 80) Pro
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Section 81 Specific exam blueprint requirement: mandatory and optional health policy provisions — Concept: mandatory and optional health policy provisions (Item 81) Pro
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Section 82 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 82) Pro
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Section 83 Specific exam blueprint requirement: claims notice, proof of loss and payment provisions — Concept: claims notice, proof of loss and payment provisions (Item 83) Pro
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Section 84 Specific exam blueprint requirement: preexisting conditions, exclusions and probationary periods — Concept: preexisting conditions, exclusions and probationary periods (Item 84) Pro
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Section 85 Specific exam blueprint requirement: HSA, HRA and FSA distinctions — Concept: HSA, HRA and FSA distinctions (Item 85) Pro
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Section 86 Specific exam blueprint requirement: AD&D, critical illness, hospital indemnity and other limited-benefit products — Concept: AD&D, critical illness, hospital indemnity and other limited-benefit products (Item 86) Pro
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Section 87 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 87) Pro
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Section 88 Specific exam blueprint requirement: elimination and benefit periods — Concept: elimination and benefit periods (Item 88) Pro
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Section 89 Specific exam blueprint requirement: medical expense, deductibles, coinsurance, copayments and out-of-pocket limits — Concept: medical expense, deductibles, coinsurance, copayments and out-of-pocket limits (Item 89) Pro
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Section 90 Specific exam blueprint requirement: HMO, PPO, POS and managed-care concepts — Concept: HMO, PPO, POS and managed-care concepts (Item 90) Pro
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Section 91 Specific exam blueprint requirement: group health, continuation, conversion and coordination of benefits — Concept: group health, continuation, conversion and coordination of benefits (Item 91) Pro
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Section 92 Specific exam blueprint requirement: Medicare Parts A/B/C/D and Medicare supplement — Concept: Medicare Parts A/B/C/D and Medicare supplement (Item 92) Pro
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Section 93 Specific exam blueprint requirement: Medicaid basics — Concept: Medicaid basics (Item 93) Pro
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Section 94 Specific exam blueprint requirement: long-term care levels of care, benefit triggers and inflation protection — Concept: long-term care levels of care, benefit triggers and inflation protection (Item 94) Pro
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Section 95 Specific exam blueprint requirement: mandatory and optional health policy provisions — Concept: mandatory and optional health policy provisions (Item 95) Pro
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Section 96 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 96) Pro
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Section 97 Specific exam blueprint requirement: claims notice, proof of loss and payment provisions — Concept: claims notice, proof of loss and payment provisions (Item 97) Pro
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Section 98 Specific exam blueprint requirement: preexisting conditions, exclusions and probationary periods — Concept: preexisting conditions, exclusions and probationary periods (Item 98) Pro
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Section 99 Specific exam blueprint requirement: HSA, HRA and FSA distinctions — Concept: HSA, HRA and FSA distinctions (Item 99) Pro
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Section 100 Specific exam blueprint requirement: AD&D, critical illness, hospital indemnity and other limited-benefit products — Concept: AD&D, critical illness, hospital indemnity and other limited-benefit products (Item 100) Pro
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Section 101 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 101) Pro
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Section 102 Specific exam blueprint requirement: elimination and benefit periods — Concept: elimination and benefit periods (Item 102) Pro
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Section 103 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 103) Pro
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Section 104 Specific exam blueprint requirement: HMO, PPO, POS and managed-care concepts — Concept: HMO, PPO, POS and managed-care concepts (Item 104) Pro
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Section 105 Specific exam blueprint requirement: group health, continuation, conversion and coordination of benefits — Concept: group health, continuation, conversion and coordination of benefits (Item 105) Pro
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Section 106 Specific exam blueprint requirement: Medicare Parts A/B/C/D and Medicare supplement — Concept: Medicare Parts A/B/C/D and Medicare supplement (Item 106) Pro
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Section 107 Specific exam blueprint requirement: Medicaid basics — Concept: Medicaid basics (Item 107) Pro
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Section 108 Specific exam blueprint requirement: long-term care levels of care, benefit triggers and inflation protection — Concept: long-term care levels of care, benefit triggers and inflation protection (Item 108) Pro
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Section 109 Specific exam blueprint requirement: mandatory and optional health policy provisions — Concept: mandatory and optional health policy provisions (Item 109) Pro
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Section 110 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 110) Pro
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Section 111 Specific exam blueprint requirement: claims notice, proof of loss and payment provisions — Concept: claims notice, proof of loss and payment provisions (Item 111) Pro
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Section 112 Specific exam blueprint requirement: preexisting conditions, exclusions and probationary periods — Concept: preexisting conditions, exclusions and probationary periods (Item 112) Pro
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Section 113 Specific exam blueprint requirement: HSA, HRA and FSA distinctions — Concept: HSA, HRA and FSA distinctions (Item 113) Pro
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Section 114 Specific exam blueprint requirement: AD&D, critical illness, hospital indemnity and other limited-benefit products — Concept: AD&D, critical illness, hospital indemnity and other limited-benefit products (Item 114) Pro
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Section 115 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 115) Pro
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Section 116 Specific exam blueprint requirement: elimination and benefit periods — Concept: elimination and benefit periods (Item 116) Pro
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Section 117 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 117) Pro
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Section 118 Specific exam blueprint requirement: HMO, PPO, POS and managed-care concepts — Concept: HMO, PPO, POS and managed-care concepts (Item 118) Pro
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Section 119 Specific exam blueprint requirement: group health, continuation, conversion and coordination of benefits — Concept: group health, continuation, conversion and coordination of benefits (Item 119) Pro
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Section 120 Specific exam blueprint requirement: Medicare Parts A/B/C/D and Medicare supplement — Concept: Medicare Parts A/B/C/D and Medicare supplement (Item 120) Pro
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Section 121 Specific exam blueprint requirement: Medicaid basics — Concept: Medicaid basics (Item 121) Pro
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Section 122 Specific exam blueprint requirement: long-term care levels of care, benefit triggers and inflation protection — Concept: long-term care levels of care, benefit triggers and inflation protection (Item 122) Pro
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Section 123 Specific exam blueprint requirement: mandatory and optional health policy provisions — Concept: mandatory and optional health policy provisions (Item 123) Pro
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Section 124 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 124) Pro
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Section 125 Specific exam blueprint requirement: claims notice, proof of loss and payment provisions — Concept: claims notice, proof of loss and payment provisions (Item 125) Pro
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Section 126 Specific exam blueprint requirement: preexisting conditions, exclusions and probationary periods — Concept: preexisting conditions, exclusions and probationary periods (Item 126) Pro
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Section 127 Specific exam blueprint requirement: HSA, HRA and FSA distinctions — Concept: HSA, HRA and FSA distinctions (Item 127) Pro
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Section 128 Specific exam blueprint requirement: AD&D, critical illness, hospital indemnity and other limited-benefit products — Concept: AD&D, critical illness, hospital indemnity and other limited-benefit products (Item 128) Pro
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Section 129 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 129) Pro
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Section 130 Specific exam blueprint requirement: elimination and benefit periods — Concept: elimination and benefit periods (Item 130) Pro
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Section 131 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 131) Pro
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Section 132 Specific exam blueprint requirement: HMO, PPO, POS and managed-care concepts — Concept: HMO, PPO, POS and managed-care concepts (Item 132) Pro
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Section 133 Specific exam blueprint requirement: group health, continuation, conversion and coordination of benefits — Concept: group health, continuation, conversion and coordination of benefits (Item 133) Pro
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Section 134 Specific exam blueprint requirement: Medicare Parts A/B/C/D and Medicare supplement — Concept: Medicare Parts A/B/C/D and Medicare supplement (Item 134) Pro
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Section 135 Specific exam blueprint requirement: Medicaid basics — Concept: Medicaid basics (Item 135) Pro
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Section 136 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 136) Pro
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Section 137 Specific exam blueprint requirement: mandatory and optional health policy provisions — Concept: mandatory and optional health policy provisions (Item 137) Pro
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Section 138 Specific exam blueprint requirement: renewability classifications — Concept: renewability classifications (Item 138) Pro
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Section 139 Specific exam blueprint requirement: claims notice, proof of loss and payment provisions — Concept: claims notice, proof of loss and payment provisions (Item 139) Pro
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Section 140 Specific exam blueprint requirement: preexisting conditions, exclusions and probationary periods — Concept: preexisting conditions, exclusions and probationary periods (Item 140) Pro
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Section 141 Specific exam blueprint requirement: HSA, HRA and FSA distinctions — Concept: HSA, HRA and FSA distinctions (Item 141) Pro
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Section 142 Specific exam blueprint requirement: AD&D, critical illness, hospital indemnity and other limited-benefit products — Concept: AD&D, critical illness, hospital indemnity and other limited-benefit products (Item 142) Pro
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Section 143 Specific exam blueprint requirement: disability income: total, partial and residual disability — Concept: disability income: total, partial and residual disability (Item 143) Pro
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Section 144 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 144) Pro
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Section 145 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 145) Pro
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Section 146 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 146) Pro
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Section 147 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 147) Pro
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Section 148 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 148) Pro
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Section 149 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 149) Pro
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Section 150 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 150) Pro
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Section 151 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 151) Pro
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Section 152 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 152) Pro
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Section 153 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 153) Pro
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Section 154 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 154) Pro
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Section 155 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 155) Pro
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Section 156 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 156) Pro
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Section 157 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 157) Pro
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Section 158 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 158) Pro
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Section 159 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 159) Pro
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Section 160 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 160) Pro
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Section 161 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 161) Pro
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Section 162 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 162) Pro
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Section 163 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 163) Pro
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Section 164 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 164) Pro
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Section 165 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 165) Pro
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Section 166 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 166) Pro
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Section 167 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 167) Pro
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Section 168 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 168) Pro
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Section 169 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 169) Pro
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Section 170 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 170) Pro
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Section 171 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 171) Pro
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Section 172 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 172) Pro
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Section 173 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 173) Pro
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Section 174 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 174) Pro
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Section 175 Specific exam blueprint requirement: New Jersey Department of Banking and Insurance authority — Concept: New Jersey Department of Banking and Insurance authority (Item 175) Pro
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Section 176 Specific exam blueprint requirement: producer licensing, qualifications, renewal and continuing education — Concept: producer licensing, qualifications, renewal and continuing education (Item 176) Pro
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Section 177 Specific exam blueprint requirement: appointments, temporary licensing and disciplinary actions — Concept: appointments, temporary licensing and disciplinary actions (Item 177) Pro
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Section 178 Specific exam blueprint requirement: fiduciary responsibilities and premium handling — Concept: fiduciary responsibilities and premium handling (Item 178) Pro
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Section 179 Specific exam blueprint requirement: unfair trade practices, misrepresentation, rebating and twisting — Concept: unfair trade practices, misrepresentation, rebating and twisting (Item 179) Pro
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Section 180 Specific exam blueprint requirement: producer records, advertising and privacy obligations — Concept: producer records, advertising and privacy obligations (Item 180) Pro
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Section 181 Specific exam blueprint requirement: life insurance replacement and disclosure requirements — Concept: life insurance replacement and disclosure requirements (Item 181) Pro
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Section 182 Specific exam blueprint requirement: group life and conversion rules — Concept: group life and conversion rules (Item 182) Pro
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Section 183 Specific exam blueprint requirement: health policy mandates and group coverage — Concept: health policy mandates and group coverage (Item 183) Pro
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Section 184 Specific exam blueprint requirement: Medicare supplement and long-term-care requirements — Concept: Medicare supplement and long-term-care requirements (Item 184) Pro
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Section 185 Specific exam blueprint requirement: state-specific annuity and consumer-protection rules — Concept: state-specific annuity and consumer-protection rules (Item 185) Pro
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Section 186 Specific exam blueprint requirement: life insurance replacement and disclosure requirements — Concept: life insurance replacement and disclosure requirements (Item 186) Pro
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Section 187 Specific exam blueprint requirement: group life and conversion rules — Concept: group life and conversion rules (Item 187) Pro
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Section 188 Specific exam blueprint requirement: health policy mandates and group coverage — Concept: health policy mandates and group coverage (Item 188) Pro
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Section 189 Specific exam blueprint requirement: Medicare supplement and long-term-care requirements — Concept: Medicare supplement and long-term-care requirements (Item 189) Pro
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Section 190 Specific exam blueprint requirement: state-specific annuity and consumer-protection rules — Concept: state-specific annuity and consumer-protection rules (Item 190) Pro
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Section 191 Specific exam blueprint requirement: life insurance replacement and disclosure requirements — Concept: life insurance replacement and disclosure requirements (Item 191) Pro
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Section 192 Specific exam blueprint requirement: group life and conversion rules — Concept: group life and conversion rules (Item 192) Pro
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Section 193 Specific exam blueprint requirement: health policy mandates and group coverage — Concept: health policy mandates and group coverage (Item 193) Pro
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Section 194 Specific exam blueprint requirement: Medicare supplement and long-term-care requirements — Concept: Medicare supplement and long-term-care requirements (Item 194) Pro
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Section 195 Specific exam blueprint requirement: state-specific annuity and consumer-protection rules — Concept: state-specific annuity and consumer-protection rules (Item 195) Pro
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Section 196 Specific exam blueprint requirement: life insurance replacement and disclosure requirements — Concept: life insurance replacement and disclosure requirements (Item 196) Pro
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Section 197 Specific exam blueprint requirement: group life and conversion rules — Concept: group life and conversion rules (Item 197) Pro
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Section 198 Specific exam blueprint requirement: health policy mandates and group coverage — Concept: health policy mandates and group coverage (Item 198) Pro
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Section 199 Specific exam blueprint requirement: Medicare supplement and long-term-care requirements — Concept: Medicare supplement and long-term-care requirements (Item 199) Pro
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Section 200 Specific exam blueprint requirement: state-specific annuity and consumer-protection rules — Concept: state-specific annuity and consumer-protection rules (Item 200) Pro
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