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Exam Code: 050-SEPROSIEM-01 Practice test 2022 by team
RSA Certified SE Professional in Security Information and Event Management
RSA Professional test Questions
Killexams : RSA Professional test Questions - BingNews Search results Killexams : RSA Professional test Questions - BingNews Killexams : sample CRCM test Questions

The following questions are representative of the types of questions you will find on the CRCM (Certified Regulatory Compliance Manager) exam.

1.  A borrower has a right to rescind a loan agreement in all of the following situations except:

a. A line of credit used for the borrower's business, secured by the borrower's primary  dwelling
b. A revolving line of credit secured by the borrower's primary dwelling used to Boost the borrower's home
c. An increase of a line of credit from $5,000 to $10,000 secured by the borrower's primary dwelling
d. A loan to pay off a contract for a deed secured by the borrower's primary dwelling

2.  When opening a deposit account online, Regulation E disclosures MUST be provided at the time of account opening or: 

a. Before the first EFT occurs 
b. Along with the first periodic statement 
c. Within three business days of account opening 
d. Within three business days of a customer's request for the EFT service

3.  The primary responsibility for overseeing a bank’s inherent compliance risk should lie with which of the following?

a. Internal audit
b. Consumers
c. Board of Directors
d. Compliance officer

4.   A branch manager finds an unexplained $7,000 cash shortage in Teller #1's cash drawer. Which of the following actions must the bank take?

a. File a Currency Transaction Report (CTR) with the IRS
b. Discharge Teller #1 immediately
c. Send a notice of adverse action to the bank's federal regulator
d. File a Suspicious Activity Report (SAR)

5.  A compliance professional recently discovered the bank did not file and disclose an accurate covered agreement, as required by the CRA Sunshine Act. In order to ensure correct reporting in the future, what must be provided? 

a. All individual mortgage loans 
b. Grants or loans to fulfill CRA activity 
c. Non-public or confidential information that will be provided in the public file 
d. A copy of the agreement to the regulatory agency 24 months after the end of the term

Answer Key

1. a
2. a
3. c
4. d
5. b

Looking to prepare for the exam? ABA offers CRCM test Online Prep.

View Course
Fri, 20 Sep 2019 21:57:00 -0500 en text/html
Killexams : Investment Banking Series 79 Exam

Passing the Series 79 test is required for applicants of entry-level jobs as investment banking representatives. In addition to the Securities Industry Essentials (SIE) exam, this test is a necessary step to obtaining registration for the job. Both tests are administered by the Financial Industry Regulatory Authority (FINRA).

The Series 79 is considered a lighter version of the Series 7 exam, but don't be fooled because it's deceptively difficult. Keep practicing to learn more about the Series 79 exam, including prerequisites, what you'll need to pass, and the breakdown of the test.

Key Takeaways

  • Financial professionals who want to work in investment banking are required by the Financial Industry Regulatory Authority to pass the Series 79 exam.
  • Candidates must be sponsored by a FINRA member to take the exam.
  • The test is a multiple-choice test with 75 questions covering subjects like debt and equity offerings, mergers and acquisitions, and financial restructuring.
  • The test takes 150 minutes and is taken on a computer.
  • A passing grade is 73% and above.

The Basics of The Series 79 Exam

Focus on Investment Banking

The Series 7 was required of all financial professionals, including those who wanted to become investment bankers prior to 2009. Investment banking is only a small portion of the Series 7 exam, most of which is more relevant to the functions and services of retail securities firms. An investment banking committee agreed on the major duties, job functions, and tasks associated with those working in the field after conducting a job analysis. This allowed for changes to be made.

The Securities and Exchange Commission (SEC) approved the new Series 79 exam in 2009. This test, which is also known as the Investment Banking Representative Qualification Examination, is commonly referred to as the Limited Representative Investment Bankers exam because it was designed for entry-level investment bankers.

There are specific areas of finance for which one will likely need the Series 79 license. FINRA Rule 1220(b)(5) defines the different types of representative categories, and section (i) Limited Representative-Investment Banking gives a thorough explanation of the areas.

Series 79 test Prerequisites

The Series 79 test satisfies the Series 24 prerequisite as a representative exam. Since the test focuses on investment banking, the Series 24 General Securities Principal is limited to investment banking supervisory responsibilities if the candidate only has passed the Series 79 exam.

Testers generally need the Series 79 registration even if they already have the Series 7. This is one of the only cases where the Series 79 can be used as a prerequisite instead of the Series 7. Candidates may need the Series 79 to work in a number of key areas, including debt, equity, or mergers and acquisitions (M&A).

Debt or Equity Offerings

Companies have several options available to them when they need to raise money. Along with borrowing money from a financial institution, they may issue a debt or equity offering:

  • A debt offering normally comes in the form of a coupon or corporate bond, in which the issuer promises to pay the bondholder or investor their principal investment along with interest by a certain date.
  • An equity offering, on the other hand, involves the issuance of new shares of corporate stock. Doing so gives investors an ownership stake in the company.

Debt or equity activities that may require a series 79 include:

  • Pricing of securities in debt and equity offerings
  • Origination, which deals with equity capital markets and debt capital markets
  • Underwriting
  • Marketing
  • Structuring
  • Syndication
  • Managing the allocation and stabilization activities of offerings

Mergers and Acquisitions (M&A) and Restructuring

Advisory services are a very important part of an investment banker's role, especially when it mergers and acquisitions. M&A refers to the consolidation of companies or assets. This can take place through a number of financial transactions. Some responsibilities that a Series 79 might be required for under this category can include:

  • Tender offers
  • Selling assets
  • Corporate reorganization or divestitures
  • Transactions involving business combinations, which might include rendering solvency and fairness opinions

Series 79 Exceptions

Series 79 registration may not be required for professionals who have limited involvement in investment banking activities. There is some leeway, though, in some jobs in which new associates rotate among various business areas and departments for training purposes. These financial professionals are generally given a six-month grace period while they are training. For a complete guide to exemptions, look at FINRA Rule 1230.

The actual Exam

A tutorial on the test is provided prior to taking it. The test is made up of 75 multiple choice questions and is completed on a personal computer. Each candidate’s test includes 10 additional questions that do not contribute to the candidate's score.

Candidates are given 150 minutes to complete the exam. The results are available immediately after the test as a pass or fail grade, with a breakdown of the candidate's performance in each section. Individuals need to answer 73% of the questions correctly for a passing score.

Candidates must be sponsored by a FINRA member to take the exam. Requirements for eligibility include taking the appropriate qualification examination. Individuals are required to pass both the Series 79 and SIE exams in order for test-takers to become registered.

You don't need to be take the Series 79 and the SIE exams at the same time.

Test Sections

There are three sections to the test. The 10 additional questions are scattered throughout at random and are not identified as such.

Collection, Analysis, and Evaluation of Data

This is the largest section, taking up 49% of the test with 37 questions. It includes identifying the relevant data and knowing where to find it. For example, you may need to know what will be in proxy statements Form 14A or Form 4s for beneficial ownership of directors.

This section also goes into communicating with various departments and clients, using metrics and ratios, and analyzing trends to evaluate what you have found in the firm and sector data.

Candidates are also tested on their understanding of due diligence activities in this section, such as the regulatory requirement for the buy and sell sides.

Underwriting/New Financing, Offerings, and Securities Registration

This section has 20 questions, making up 27% of the test.

It deals with regulations for filing and registering securities. This includes forms, such as the prospectus, as well as rules, and required financial statements.

This section also covers the distribution of marketing materials and any associated rules.

M&A, Tender Offers, and Financial Restructuring

With a total of 18 questions, this section is roughly 24% of the exam.

Some of the issues covered in this part of the test relate to buy-side and sell-side transactions, the fairness opinion, and SEC rules and regulations. It also tests a candidate's knowledge of tender offer regulations and financial restructuring.

All About the Investment Banking Series 79 test FAQs

Is the Series 79 Easier Than the Series 7?

The Series 79 and Series 7 are two different exams required by financial professionals who wish to obtain registration by FINRA. While the Series 7 is required by all securities representatives at the entry-level, the Series 79 test is a requirement for anyone who wants to work as an entry-level investment banker. The Series 79 test is 75 questions and takes 2.5 hours while the Series 7 is made up of 125 questions and takes three hours 45 minutes to complete.

How Hard Is the Series 79 To Pass?

The Series 79 test is more difficult than the Securities Industry Essentials exam. The SIE test is commonly considered an introductory test while the Series 79 involves concepts that may be more complex required by those who need a higher degree of skills in the investment banking industry.

How Do You Prepare For the Series 79 Exam?

There are a number of Series 79 prep courses you can take in order to prepare yourself for the exam. These courses provide you with study materials and practice exams that you can take. Many of them come at a cost, ranging between $200 to $300.

Who Needs to Take the Series 79 Exam?

Financial professionals who wish to work as entry-level investment bankers are required to take (and pass) the Series 79 exam. Candidates must also pass the Securities Industry Essentials test in order to obtain registration, although it isn't required that the exams are taken together.

The Bottom Line

Anyone who wishes to perform certain duties in the financial industry must become a registered representative with the Financial Industry Regulatory Authority. In order to become registered, individuals must pass certain exams. The type of test depends on the type of position they seek. Professionals who want to become entry-level investment bankers must pass the Series 79 exam, along with another test—the Securities Industry Essentials exam. The Series 79 tests an individual's knowledge and skills in a number of areas, including debt and equity offerings, along with tender offers, mergers and acquisitions, new financing, and financial restructuring.

Fri, 14 Aug 2020 03:36:00 -0500 en text/html
Killexams : Weekend Essay: I sat a professional exam

Last Spring, I had a chat with a journalist from one of our competitors who had been/is taking adviser qualifications.

I found her efforts admirable and this conversation really gave me food for thought.

In the next few months, I mulled over the idea of preparing for a professional certification myself and shopped around, because there are plenty of professional bodies and exams out there.

I wanted something that would interest me but also be useful at the same time. Therefore, it would have to be a certification in investment.

I first considered the CFA Level 1 as it was the investment qualification I had heard the most about.

However, the fees ($900 to $1,200) and the low pass rate (37%) had the effect of a repellent on me. I thought it was not reasonable to spend that much money for something that would in all likelihood end up being a complete disaster.

You may call me pessimistic, I will answer that I am just not self-delusional. If even financial professionals find it hard, my chances were close to none and the technical level is probably way above what a financial journalist needs.

I had a look at the other programmes listed on the CFA’s website and came across the Investment Management Certificate (IMC).

After further research, I had made my decision. This was the right certification for me in many regards.

It aims to provide the foundations in investment management and acquiring the baseline knowledge. It is all I need for now.

Also, while the CFA is not related at all to financial advice (from what I know), the IMC does look into this profession, albeit superficially (it is primarily aimed at investment managers rather than financial advisers). As a result, it still had some relevance to my job.

Last but not least, the IMC is relatively UK-focused in comparison to the CFA which is global in its nature. As I am not a complete stranger to the UK financial industry, that would play in my favour.

I have not completely abandoned the idea of sitting the CFA Level 1 one day. Life is still long (hopefully) and the IMC will enable me to test the water. If I cannot complete it, then the CFA Level 1 is completely out of reach.

As soon as I moved house to a more comfortable and quiet place, there was no excuse and I had to walk the talk.

At the time of writing, I have just passed the first unit ‘The Investment Environment’.

I will not deny it, it is a great relief, but I am only halfway there. I will need to successfully pass unit 2 ‘The Investment Practice’ to complete the certification.

In short, it is half time, I am leading 1-0, but there are 45 further minutes to play.

What was on the menu?

For those who are not familiar with the IMC, the first unit is structured in six chapters: 1- Financial markets and institutions, 2- Ethics and investment professionalism, 3- The regulation of financial markets and institutions, 4- Legal concepts, 5- Client advice, 6- Taxation in the UK.

‘The regulation of financial markets and institutions’ is arguably the most important chapter and is also by a far and wide the longest one. Of the 85 questions at the exam, between 25 to 35 will be allocated to this chapter.

Luckily, it was no terra incognita for me as it extensively deals with the role, status and powers of a very familiar organisation: The Financial Conduct Authority.

While working at Money Marketing certainly facilitated the study of this chapter, I still had to digest extensive extracts from the FCA Handbook.

The chapter also covers, albeit in a much more concise manner, the rest of the UK regulatory bodies.

Some were totally unknown to me such as the Panel of Takeovers and Mergers and the Competition and Markets Authority.

Others sounded familiar, but I did not know what their role was prior to my study. That would include the Prudential Regulation Authority (PRA) or The Financial Policy Committee.

The difficulty of this chapter was definitely its length and the importance of the information it contains. Almost every single line is crucial and there is no other way than learning by heart.

Some questions in the test simply test the knowledge of the regulatory principles but others require one to apply those same principles in case studies.

It means learning everything verbatim is not enough, you also have to understand what you are learning.

The second and fourth chapters also involve learning the material by heart, but they are thankfully much more succinct.

The first chapter was probably the most destabilising one to me. It smoothly starts with an introduction explaining how the financial system works, who the different actors are and how money circulates between them.

It then abruptly delves into a world that was completely unknown to me: investment exchanges and their infrastructures.

It required a lot of back and forth between Investopedia and the study book to understand what things such as central counterparties, market makers, clearing houses, SETS, SETSqx, bid-ask spread were.

Chapter 5 was the sunshine after the rain. It purely focuses on investment, which was the reason why I chose to study for the IMC in the first place.

It gives a description of the different categories (and sub-categories) of clients and asset classes.

There is also a limited (but interesting) financial advice piece. It includes among others fact find, establishing investment objectives and how to allocate a portfolio based on those objectives.

The chapter also looks into the asset allocation in different types of pension funds, general insurance and life insurance.

I really enjoyed the strategical dimension in this chapter. It was, at least to me, more stimulating than regulations and it also means that I did not need to review this chapter very often.

But against my initial expectations, chapter 6 is the one I preferred.

As it deals with UK taxation, I feared it would be incommensurably dull, but there was also this strategical dimension that made this chapter as stimulating as the previous one.

Obviously, you have first to learn all the UK taxes that are relevant in an investment context, but once it is done, that is when it becomes interesting.

First of all, you have to learn all the computations to calculate those taxes but also strategies to mitigate them.

Maybe tax planning was my true calling, who knows?

How I prepared

I had a lot of apprehension while preparing for this exam. Of course, I have sat exams in an academic context before, but professional exams were something new to me. I did not know what to expect.

Also, I had to deal with a time constraint. The study material is renewed every 1 December and I started in late August, which means I had to successfully pass the test for this unit 1 before 30 November. I was not too eager to start all over again almost from scratch and I am not sure my bank account would have liked me to pay the fee for a second attempt.

As a result, I followed the recommendations provided by CFA UK (the body organising the IMC) very scrupulously.

It advises at least 100 hours of study for unit 1. Since I am not a finance professional,  I knew I would need more.

Therefore, I aimed for 100 hours just for what I called the “initial phase”, which was about practicing the study book five times and writing down things I had trouble memorising. It’s time consuming, but I find it makes it easier to process information.

It is very tempting to read passively, it happens instinctively. But writing (especially in your own words) forces you to actively engage with the content.

After an initial skim read of the study book, I had a rough of idea of the length and complexity of each subchapter.

I then allocated those 100 hours for this “initial phase” between late August to 28 October. The point was to ensure I would have two weeks left before the test to focus on my weaknesses.

On 28 October, the result was below the requirement threshold. While the recommendation is that you should score at least 75% at the mock exams, I only got 71% at the mock test I took immediately after completing this so-called initial phase.

But it was a good opportunity to identify my areas of weakness and the two final weeks were dedicated to remediate to those shortcomings.

I read over and over all the subchapters I had not well assimilated and practised the mock exams again and again until I scored above 90%. In total, I have spent around 150 hours to prepare for this exam.

That was sufficient this time around.


It was an interesting experience and I feel relieved my efforts bore fruit. I am not getting complacent though. I know I have only completed the easiest unit of a relatively “beginner-friendly” certification.

I have learnt plenty of things, some of which will, I hope, be useful in my work.

It also answered some questions I had been asking myself for a while. For example, I did not know much about the UK regulatory bodies beyond the FCA.

I guess I also now have a vague idea of what advising clients on investment requires and how to structure their portfolio (I am not saying I would know how to do it, I just roughly know how those things work).

The most immediate benefit I gained from this unit is a solid overview of the UK tax system. With the upcoming Autumn Statement, I hope to be able to make good use of what I have just learnt.

However, I do wonder what I will remember of it in say six month’s time. This is especially true of the contents that had no relevance or link to what I do in my everyday (all the things related to investment exchanges for example).

But I suppose, even pros do not retain everything they have learnt while studying for their certifications.

As I have not had any free evenings over the past few months, I will provide myself a break until December. Although I must say, it already feels strange not having to study after work. It just does not feel normal.

I look forward to start learning for unit 2. From the few I could see, it will be much more mathematical than unit 1. I hope time has not eroded my numeracy skills too much (I used to be an accountant a while ago).

Hopefully, this Weekend Essay will have a part II in a couple of months.

Fri, 18 Nov 2022 01:13:00 -0600 en-GB text/html
Killexams : ‘The test questions are unacceptable’

The recent test questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.

The questions were prepared for HSC and equivalent examinations.

In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.

People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.

Pointing to the recent discussions on question papers, they said it is high time to think about the whole education system, not just the competency of those who prepare questions. "The demand of dropping Charles Darwin's evolution theory from the curriculum has also concerned us. This will hinder science study and free thinking. It will push the country backwards, towards communalism," reads the statement.

Among others, the signatories are Pankaj Bhattacharya, president of Oikya NAP; Advocate Sultana Kamal, former adviser to the caretaker government; Ramendu Majumdar, praesidium member of Sammilita Samajik Andolon; Rasheda K Choudhury, former adviser to the caretaker government; Prof Syed Anwar Husain of Dhaka University; and Dr Sarwar Ali, trustee of Liberation War Museum.

Fri, 11 Nov 2022 10:00:00 -0600 en text/html
Killexams : Certified Automation Professional (CAP)

The ISA Certified Automation Professional® (CAP®) certification is a mark of career excellence that affirms your commitment to quality and demonstrates your expertise and knowledge of automation and controls. ISA CAP certification provides you with a non-biased, third-party, objective assessment and confirmation of your skills and expertise as an automation professional.

Who Are CAPs?

ISA CAP logo
CAPs are individuals who have proven they possess an extensive knowledge of automation and controls and that they have the expertise and qualifications to excel in their fields. As automation professionals who work in process automation and manufacturing automation industries around the globe, CAPs are responsible for direction, definition, design, development/application, deployment, documentation and support of software and equipment systems used in control systems, manufacturing information systems, systems integration, and operational consulting.

CAP Certification Requirements

To become an ISA CAP, you must meet certain education and work experience requirements, pass an exam, and commit to the ISA Code of Conduct. Learn more about CAP requirements.

CAP Body of Knowledge

The CAP Body of Knowledge (BOK) encompasses the full scope of knowledge, skills, and abilities needed for competent job performance. It defines automation project domains, the tasks within the domains, and the knowledge and skills required to complete the tasks. View the CAP Body of Knowledge.

How to Apply

There is no application form for CAP certification. The process involves confirming that you meet the following requirements and then taking an exam.


Note: by paying the test fee, you are confirming that you are aware of, have met, and can document that you meet the requirements for the CAP certification.

Click the button below to add the test fee to your cart. After you complete your purchase and your payment has successfully processed, you will receive a payment confirmation email. Then, one month before your test window, you will receive an email with the test invitation and instructions for scheduling your exam.

Pay Cap test Fee

About the Exam

You can take the CAP test online from your office or home if the testing environment meets the requirements and your computer meets specifications. You can also take the test at a Scantron test center. The CAP test has 150 multiple-choice questions and is four hours long. Learn more about Certification Exams and Testing.

How to Prepare

We highly recommend taking the Certified Automation Professional (CAP) test Review Course (EC00). ISA has also developed an extensive library of training courses, study guides and publications that are built around the technologies and subjects covered on the CAP exam. These resources have been developed and reviewed by subject matter experts. Learn more about the review course and the additional resources here.

Reference to Standards and Codes

The aspects of automation covered on the CAP test reflect the tasks performed in the range of practice settings throughout the United States. Familiarity with the following standards and codes is recommended. download the Reference to Standards and Codes (PDF).

  • ISA Standards
  • IEEE Standards
  • National Fire Protection Association (NFPA) Codes and Standards
  • National Electrical Code (NEC)
  • National Electrical Manufacturers Association (NEMA) Standards
  • International Electrotechnical Commission (IEC) Standards
  • National Electrical Manufacturers Association (NEMA) Standards
  • Occupational Safety and Health Administration (OSHA) Codes and Federal Regulations
  • Federal Emergency Management Agency (FEMA) Standards
  • US Food and Drug Administration Regulations
  • American Petroleum Institute (API) Standards

For International applicants, note that the validation study for the exams was done in the United States, so there may be questions on the test that reference US standards and codes.

Important Announcement for CAPs and CCSTs

We are pleased to announce that our Certified Automation Professional® (CAP)® and Certified Control System Technician® (CCST®) certification programs have a brand-new look! Please check your Badgecert account to access your new logo.

Thu, 06 Aug 2020 13:27:00 -0500 en text/html
Killexams : CFP test 101: Everything You Need to Know to Pass the CFP Test No result found, try new keyword!"We've done studies around when we lose people in the process," says John Loper, a certified financial planner and the CFP Board's managing director of professional ... question beast of an test ... Thu, 31 Jan 2019 01:13:00 -0600 text/html Killexams : Professional Engineering Exam

As a licensed Professional Engineer, or PE, you can expect many more benefits when compared to other engineers; most employers offer higher salaries and greater opportunities for advancement to PE's. Only PE's can consult in private practice, and seal company documents to be sent to the government. PEs also have more credibility as expert witnesses in court than most engineers.

Steps in obtaining a PE license:

  • Pass the Fundamentals of Engineering (FE) Exam.
  • Graduate with a bachelor's degree from an ABET accredited engineering curriculum (all Engineering curricula at Michigan Tech except Robotics Engineering).
  • Gain four years of engineering experience under the supervision of a registered professional engineer.
  • Pass the Principles and Practice of Engineering (PE) Exam.

During your senior year you should take the Fundamentals of Engineering (FE) exam, which is required prior to sitting for the Professional Engineers (PE) Exam. Some requirements vary by state.

Sun, 04 Sep 2011 15:27:00 -0500 en text/html
Killexams : Best No-Medical-Exam Life Insurance

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

What type of life insurance does not require a medical exam?

Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

Can you borrow money from a no-exam life insurance policy?

Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

How do I choose the best life insurance policy?

Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

How We Chose the Best Life Insurance Companies

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html
Killexams : The Cybersecurity Assessor and Instructor Certification Organization Launches Certified CMMC Professional Exam

NATIONAL HARBOR, Md.--()--The Cybersecurity Assessor and Instructor Certification Organization (CAICO) today announced the formal launch of the Certified CMMC Professional (CCP) test that is now available to qualified candidates within the Cybersecurity Maturity Model Certification (CMMC) Ecosystem. The CCP examination verifies a candidate’s knowledge of the Department of Defense (DoD) CMMC framework and the roles and responsibilities of various positions within it. This is a key milestone for the program, as having trained and certified assessors ready to support Certified Third-Party Assessment Organizations (C3PAOs) is paramount for the successful scaling of assessments across the Defense Industrial Base (DIB).

“The CCP test represents the foundation of an individual’s journey to becoming a CMMC Assessor or Instructor and can open a wide variety of career opportunities,” said Kyle Gingrich, the CAICO’s Interim Executive Director. “CCPs, bringing their industry knowledge and expertise, are like apprentices who are continuing to build upon their prior experience with new CMMC skills and knowledge. They learn as they go— not only through training and exams, but also through hands-on experience in the field.”

The beta test program for the CCP test was conducted from August through September of this year. The CCP beta test enabled the CAICO to gather the qualitative and quantitative data required to assess how test items were performing so that development could appropriately refine and enhance the test to ensure it validates the knowledge a CCP is expected to demonstrate.

“With the launch of the official CCP exam,” Gingrich noted, “we are validating that those individuals who achieve the CCP certification have a standard and consistent working knowledge of CMMC as a whole and how it is implemented in the context of assessments.”

CMMC certification exams are not publicly available. To gain access to the test registration process requires successfully completing CCP training through a CAICO-approved Licensed Training Provider (LTP), which are organizations that deliver formal CMMC professional training. Individuals seeking CCP training to pursue their certification can select an LTP through the Cyber AB’s Marketplace. More information on the qualifications and timelines for CCP and CCA certifications can be found on the Cyber AB’s Assessing and Certification page.

To find out more about the CCP test itself, the CCP Blueprint can be found on the Cyber AB’s website at

About The Cybersecurity Assessor and Instructor Certification Organization

The Cybersecurity Assessor and Instructor Certification Organization (CAICO) is the dedicated CMMC entity facilitating the training, examination, and professional certification for individuals within the CMMC Ecosystem. The CAICO is a wholly owned subsidiary of the CMMC Accreditation Body, Inc. and operates as a nonprofit organization with federal tax-exempt status.

Tue, 25 Oct 2022 02:45:00 -0500 en text/html
Killexams : BTS Suga Mentioned In Philippines Bar test Question: Find Out What It Was About
Activated charcoal products is proven to help whiten your teeth and let you smile like our Suga from BTS. BigHit/YouTube


  • BTS member Suga's name appeared on the 2022 Philippines bar test Sunday
  • Suga and his group were mentioned in the commercial law exam
  • BTS fans expressed their excitement over the surprise mention

BTS member Suga made waves on the internet after his name appeared in one of the questions of the Philippines bar examination.

On Sunday, the second day of the professional licensure examination for lawyers in the country, the 29-year-old rapper's real name, Min Yoongi, and his group were featured in question number 6 of the commercial law exam, Interkasyon reported.

"Yoongi, a director of BTS Corp. PH, bought substantial shares of its major supplier, Hybe, Inc. When Hybe, Inc.'s contracts were taken up by the BTS Corp. PH Board, Yoongi not only voted for their approval but influenced other directors to do so. Later, the Hybe, Inc. contracts turned out to be disadvantageous to BTS Corp. PH and caused it substantial losses," the question read, according to the outlet.

It continued, "Discuss the action/s that may be pursued against Yoongi under the Revised Corporation Code. Explain briefly."

University of Santo Tomas law professor Kenneth Manuel took to Twitter to share a screenshot of the question, which has now garnered a total of over 24,000 likes.

"I feel na tama talaga training ko sa mga students ko in making K-pop idols the characters in my exams. [I feel that it was right to train my students by making K-pop idols the characters in my exams]," Manuel tweeted.

BTS fans, also known as Army, expressed their excitement over Suga's surprise appearance in the exam.

"Still trying to wrap my head [around] it. It's not just an test from school. It's a BAR EXAM. A country's bar exam. Min Yoongi's impact lol," one Twitter user wrote.

"[Army] being in high positions and putting BTS' name in the last places you would expect will never stop being funny. Like imagine [you are] an Army taking the PH bar and you get to this question... I would think I was hallucinating like no way," another fan wrote.

Some fans recalled a 2014 incident at a fan event when a fan jokingly threatened to sue Suga for being attractive.

"The 'I will sue you Min Yoongi' has escalated to a whole new level," one fan tweeted, while another wrote, "There is literally no way the person who wrote this isn't so deep in Army lore that they know [sic] about 'I will sue you Min Yoongi.' No way."

"Case dismissed on account of Yoongi's incandescent smile having turned everyone present at the proceedings to mush," a third user joked.

Over 9,000 law school graduates in the Philippines are taking what has been regarded by some as among the hardest bar examinations in the world, with the third and final day commencing on Wednesday and Sunday, respectively, in 14 onsite examination centers across the country.

Meanwhile, the seven BTS members, Suga, RM, J-Hope, Jin, Jungkook, Jimin and V, are on hiatus as a group. They recently announced that they will enlist in South Korea's military as required by law, ending months of public debate about whether the group qualified for an exemption to mandatory conscription.

According to the group's label, BigHit Music, the members are expected to make a comeback as a group in 2025 after finishing their military service.

19. According to Suga, if he wasn't a part of BTS, he’d still be making music as a composer. As a matter of fact, Suga has written several of BTS's hits, including "Attack on Bangtan", "Spring Day", "DNA", "Anpanman" and "Boy With Luv". Photo by Cindy Ord/WireImage
Mon, 14 Nov 2022 07:02:00 -0600 Ingrid Mendoza en-US text/html
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