Exam Code: CDCA-ADEX Practice test 2023 by Killexams.com team
Dental Hygiene
Medical Hygiene test syllabus
Killexams : Medical Hygiene test syllabus - BingNews https://killexams.com/pass4sure/exam-detail/CDCA-ADEX Search results Killexams : Medical Hygiene test syllabus - BingNews https://killexams.com/pass4sure/exam-detail/CDCA-ADEX https://killexams.com/exam_list/Medical Killexams : Syllabus Development

The Syllabus area of the myCourses course template is organized into the following sections:

  1. Course Information and Expectations
  2. Instructor Contact Information
  3. Course Requirements and Resources
  4. Activities and Assignments
  5. Assessment and Grading
  6. Course Policies
  7. Course Schedule

Much of the information needed for the Course Information and Expectations section—particularly the all-important learning outcomes and assessment methods—should be taken directly from the official Course Outline Form for your assigned course(s). Your department chair or program head can provide you with the form(s) and guidance on what is and is not modifiable in the transition to a course syllabus. If you are designing a new course, however, you will need to successfully complete the RIT course proposal process. 

Before completing the Course Policies section, we encourage you to first consult our companion webpage, RIT Policies for Your Syllabus. The External Resources section (below) provides helpful information, advice, and examples for developing the remaining sections of your syllabus.

Regardless of where you are in the syllabus-design process, you can always request one-on-one consultations with an Instructional Design Researcher and Consultant.

Sun, 30 Jan 2022 08:56:00 -0600 en text/html https://www.rit.edu/teaching/syllabus-development
Killexams : ISC Syllabus for Class 12 2023: obtain Revised & Reduced Syllabus PDF

ISC Class 12 Syllabus 2023: The Council For The Indian School Certificate Examinations (CISCE) board has released the revised and reduced syllabus for the ISC Class 12th students for the 2022-2023 academic year. The ISC Class 12 board exams commenced from 12 February, and the time couldn’t be more appropriate to take one last look at the ISC Class 12 Syllabus.

ISC Syllabus 2023 for Class 12th Board Exam

ISC Class 12 Syllabus: A new year has begun, and with it, the examination season. The Council For The Indian School Certificate Examinations (CISCE) board has released the latest and revised syllabus for the ISC Class 12th exams 2023. The ISC syllabus class 12 pdf can be downloaded from the official website of the CISCE school board. We have also covered the syllabus here in this article, where you can view and obtain the pdf of all ISC Class 12th subjects.

Related: ICSE Class 10 Syllabus 2023

ISC Syllabus Class 12 Highlights

There aren’t many changes in the ISC Class 12 Syllabus 2023, but students should still take a look at the official syllabus. Sometimes, memorizing the syllabus after a while highlights the subjects that students often miss the first time. Senior secondary is an important stage of life in every student’s life and plays a critical role in deciding their future and preparing them for it. And the ISC Class 12 isn’t to be taken lightly. The ISC Class 12 syllabus is one of the most difficult syllabuses in India. Students often get lost and demotivated, just going through the extensive syllabus. But nonetheless, it’s essential to know the correct ISC syllabus for class 12 students, especially if you want to ace the final exams.

Download ISC Syllabus for Class 12 in PDF

The ISC Board syllabus is one of the most challenging and extensive in the country. But here you can obtain the syllabus of all the subjects at the same place and that too in pdf format.

Related: ICSE Syllabus 2023: obtain ICSE, ISC Syllabus In PDF Format

Key Benefits of ISC Class 12th Syllabus

The ISC Class 12th Syllabus offers several benefits to the students. It doesn’t just list the subjects and leave the readers hanging. The entire course curriculum, marking scheme, course wise marks distribution, and evaluation standards are comprehensively covered in the ISC syllabus for class 12. Both the theory and practical syllabuses are covered in depth. The ISC class 12 syllabus also includes the important test details like duration and section-wise weightage. All this information will be eternally beneficial to the ISC class 12 students.

How Does the ISC 12th Syllabus Help Students in Their Board test Preparation?

The ISC 12th Syllabus is a crucial part of all students’ test preparation. There is no point studying without knowing the correct syllabus. Doing so is a surefire way to confuse yourself and perform poorly in exams. The ISC Class 12th syllabus gives students an idea of the vastness of the course, the test weightage and the importance of subjects and evaluation standards for both theory and practical exams.

Also Check: ISC Class 12th Datesheet 2023: Check the full date sheet with the guidelines here


What is the syllabus of ISC Class 12?

The syllabus of ISC Class 12 is the list of subjects that all students have to study in a given academic year. The ISC Class 12 syllabus of all subject in detail and in pdf format is provided on the Jagran Josh website. You can also obtain it on the official website of the CISCE board.

Can I score good marks using the ISC Class 12th Syllabus of 2022-2023?

Yes, you can score good marks in the ISC board exams 2023 using the official reduced and revised syllabus for class 12. Knowing the correct syllabus is essential to prepare well for the exams. Otherwise, students end up missing subjects and perform poorly in the exams.

Thu, 16 Feb 2023 03:30:00 -0600 text/html https://www.jagranjosh.com/articles/isc-syllabus-class-12-1674566922-1
Killexams : Best No Medical test Life Insurance of 2023

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Thu, 02 Feb 2023 10:00:00 -0600 en-US text/html https://www.businessinsider.com/personal-finance/best-no-medical-exam-life-insurance
Killexams : Delphi developed syllabus for the medical specialty of sport and exercise medicine: part 2


Training in the medical specialty of sport and exercise medicine (SEM) is available in many, but not all countries. In 2015, an independent Delphi group, the International Syllabus in Sport and Exercise Medicine Group (ISSEMG), was formed to create a basic syllabus for this medical specialty. The group provided the first part of this syllabus, by identifying 11 domains and a total of 80 general learning areas for the specialty, in December 2017. The next step in this process, and the aim of this paper was to determine the specific learning areas for each of the 80 general learning areas. A group of 26 physicians with a range of primary medical specialty qualifications including, Sport and Exercise Medicine, Family Medicine, Internal Medicine, Cardiology, Rheumatology and Anaesthetics were invited to participate in a multiple round online Delphi study to develop specific learning areas for each of the previously published general learning areas. All invitees have extensive clinical experience in the broader sports medicine field, and in one or more components of sports medicine governance at national and/or international level. SEM, Family Medicine, Internal Medicine, Cardiology, Rheumatology and Anaesthetics were invited to participate in a multiple round online Delphi study to develop specific learning areas for each of the previously published general learning areas. All invitees have extensive clinical experience in the broader sports medicine field, and in one or more components of sports medicine governance at national and/or international level. The hierarchical syllabus developed by the ISSEMG provides a useful resource in the planning, development and delivery of specialist training programmes in the medical specialty of SEM.

  • sports and exercise medicine
  • education
  • consensus statement


The purpose of the International Syllabus in Sport and Exercise Medicine Group (ISSEMG) has been detailed in the initial paper.1 Briefly, it was determined that, while there was a need to increase the numbers of sport and exercise medicine (SEM) physicians internationally, there were potential barriers to the development of SEM training in countries without training programmes, one of which was the requirement to develop a syllabus. The creation of a basic international syllabus for the medical specialty of SEM was seen as a solution to that barrier, and the ISSEMG has undertaken the development of this syllabus. Of note, WHO has issued a global action plan on physical activity,2 the recommendations of which can only emphasise the need for more SEM specialists. The aim of this international Delphi consensus was to agree on the specific learning areas for each of the 80 previously agreed general learning areas of the 11 domains in the medical specialty of SEM. There has been no change in the purpose, focus or funding of the project since the first publication.


As detailed in the initial paper,1 the ISSEMG decided on a hierarchical syllabus structure, comprising broad domains of learning, for example, the domain ‘Physical activity and human health’. Each domain was broken into general learning areas, for example, in the physical activity and human health domain ‘Applied exercise physiology: types of exercise, effects of exercise and maximising adaptations to exercise‘ and ‘Physical activity guidelines and recommendations’ are among the general learning areas. This publication details the third level of the hierarchy, namely the specific learning areas under each general learning areas. The project has continued to use a modified Delphi process. The members of the Delphi group were invited to be part of this process on the basis that they had significant skills in one or more of the following: SEM syllabus and/or curriculum development, SEM training programme development and/or implementation, and SEM specialist assessment programme development and/or implementation. Four additional members (EE, CG, AI and CL) were added to the group involved in the original paper to broaden representation, and one member of the original team was replaced by two others late in the process because of a scheduled academic hand over. For each set of specific learning areas an initial questionnaire, a commentary and 1–2 follow-up questionnaires have been used to determine which specific learning areas would be included in the syllabus. When required email discussions initiated by group members assisted the process. A total of 24 questionnaires were used in the development of the specific learning areas. The response rates to questionnaires varied between 55% and 100%, with the overall average response rate being 65%. A cut point of 80% agreement among the respondents to each questionnaire was used to indicate group agreement for inclusion in all but four cases. In these cases, as indicated in the specific learning areas list with an asterisk, 79% was accepted. The lack of 100% response rate was recognised as a potential weakness in the methodology. This was, in part, addressed by the fact that all members of the group were made aware of the results of the initial round scores for each course as part of the follow-up commentary. All members of the group were able to provide additional commentary at that point and were able to respond to follow-up questionnaires on the same topic.


The domain, general and specific learning areas for the SEM specialty syllabus are presented in a numbered tabular form for ease of use and cross-referencing (online supplemental file 1).

Each specific learning area represents an area of medical knowledge determined by the ISSEMG to be fundamental to medical certified in the specialty of SEM. Some are relatively broad areas of knowledge, some quite specific. The ISSEMG also added specific learning areas to the previously uncategorised ‘Advanced skills’ group. These are learning areas which may be regarded as advanced learning in the specialty, pertinent to some but possibly not all national medical organisations seeking to train in the specialty. These are now listed in the ‘Extrinsic skills of an SEM physician’ domain. Each Domain, General learning area and Specific learning area has been listed in a numerical structure to assist with understanding the overall syllabus and to allow easy referencing. Additional comments, agreed by the ISSEMG, have been added in some sections to enhance the document. In a number of instances, there have been minor adjustments to the titles and numbering of the general learning areas in this paper compared with the original paper.1 These have been made to assist with the clarity and utility of the syllabus. These changes are noted where they have occurred.


Specialty training in SEM is evolving, and various training models exist. The ISSEMG syllabus can be adapted to a variety of contexts, including training systems where SEM specialisation is gained as an additional component of a primary specialty. In such circumstances, components of the syllabus may have already been covered during training in the primary specialty. The breadth and depth of the syllabus presented is substantial and it should be evident that the training of specialist SEM physicians requires significant resources and time. The ISSEMG recognises that some of the specific learning areas listed cover areas that are still in flux in terms of our level of knowledge. As such the ISSEMG syllabus should be treated as a living document by national medical organisations that guide training in the medical specialty of SEM. They will need to refine and adapt the syllabus to their needs and consider evolving knowledge.

Developing a medical specialty curriculum from a syllabus is a significant undertaking. Curriculum developers must have a deep understanding of the relevant national (or local) medical system and available resources, the health priorities of the given system, the medical pregraduate and postgraduate education processes available in that system, and the proposed scope of practice of the new specialty. For the real development of a curriculum several other fundamentals are required. These include: (1) a curriculum document, based on a syllabus, that clearly details the relevant learning outcomes required to cover the learning areas of the syllabus, (2) teaching and learning methods designed specifically to satisfy the requirements of each learning area, mapped to the curriculum, (3) validated formative and summative assessment processes blueprinted to the curriculum document, (4) a comprehensive outline of the training process, which in SEM typically includes items such as the usual training duration required, necessary clinical exposure, sports team and event coverage, research and the reporting requirements of trainees and supervisors, (5) access to suitable training instructors and training positions, (6) the ability to develop doctors who are not just medical experts but also have competence in other fundamentals including, but not limited to communication, collaboration, scholarship, leadership and health advocacy and (7) a cycle of review and renewal of the curriculum.


The ISSEMG has developed a syllabus for the medical specialty of SEM. This syllabus will be of value to national medical organisations developing SEM specialty or subspecialty training programmes and may inform benchmarking of current training programmes. This syllabus will contribute to the future international development of the medical specialty of SEM internationally. No further publications are planned by the ISSEMG.

Wed, 16 Feb 2022 14:16:00 -0600 en text/html https://bjsm.bmj.com/content/55/2/81
Killexams : NEET 2022: How To Score 700+ In The Medical Entrance Exam

NEET 2022 preparation tips

National Eligibility Entrance Test for Undergraduate (NEET-UG) is the only entrance test for admission to undergraduate medical courses in the country. More than 15 lakh students appeared for the entrance test in 2021. The level of competition is rising every year and the race to get admission to the top medical college is getting tough. To successfully crack the entrance exam, candidates need to know the tips to score well, and follow them.

  1. Devise a plan: NEET syllabus covers chapters/units from class 11th and class 12th level. The syllabus is vast and candidates need to make a comprehensive plan to complete the entire syllabus. Candidates should prepare a time table and follow it regularly. The time table should be made so that all the subjects are covered effectively.

  2. Know the test pattern: It is important for the candidates to be informed about the test pattern. Complete knowledge of the types of question, marking scheme, subject-wise question distribution helps candidates to strategize for the exam.

  3. Clarity of Concepts: During the preparation, candidates should focus on understanding the concepts. This is of utmost importance. If the concepts will be clear, candidates will be able to solve the questions with ease.

  4. Practice mock test and previous year question papers: Mock tests and previous years' question papers will help students to know about the level of questions being asked in the exam. It will also help to enhance the speed as well as accuracy.

  5. Revision: Revision is the most important part of NEET 2022 preparation. Candidates should revise the subjects studied at regular intervals.

  6. Take proper care of your health: Candidates should eat healthy food, take proper rest, include short breaks in their time table, stay motivated and always keep a positive attitude.

    These tips will help students to prepare effectively for NEET 2022. Candidates should be dedicated, determined and must have a never giving up attitude to crack the exam.

Thu, 18 Nov 2021 17:48:00 -0600 text/html https://www.ndtv.com/education/neet-2022-how-score-700-in-medical-entrance-exam-2617027
Killexams : ChatGPT Passed a Major Medical Exam, but Just Barely

Image: Miriam Doerr Martin Frommherz (Shutterstock)

Anyone anxiously holding their breath for a competent robot doctor may need to wait a bit longer. A group of AnsibleHealth AI researchers recently put OpenAI’s ChatGPT to the test against a major medical licensing test and the results are in. The AI chatbot technically passed, but by the skin of its teeth. When it comes to medical exams, even the most impressive new AI still performs at a D level. The researchers say that lackluster showing is nonetheless a landmark achievement for AI.

The researchers tested ChatGPT on the United States Medical Licensing test (USMLE), a standardized series of three exams required for U.S. doctors vying for a medical license. ChatGPT managed to score between 52.4% and 75% across all three levels of the exam. That might not sound great to all of the overachievers out there, but it’s about on par with the 60% passing threshold for the exam. Researchers involved in the study claim this marks the first time AI was able to perform at or near the passing threshold for the notoriously difficult exam. Crucially, ChatGPT was able to pass without any extra specialized inputs from human trainers.

“Reaching the passing score for this notoriously difficult expert exam, and doing so without any human reinforcement, marks a notable milestone in clinical AI maturation,” the authors wrote in the journal PLOS Digital Health.

Mediocre test scores aside, the researchers praised ChatGPT for its ability to craft authentic sounding, original answers. ChatGPT managed to create, “new, non-obvious, and clinically valid insights,” for 88.9% of its responses and appeared to show evidence of deductive reasoning, chain of thought, and long term dependency skills. Those findings appear somewhat unique to ChatGPT and its particular style of AI learning. Unlike previous generations of systems that use deep learning models, ChatGPT relies on a large language model trained to predict a sequence of words based on the context of the words that came before. That means, unlike other AIs, ChatGPT can actually generate sequences of words that weren’t previously seen by the algorithm and that could make some coherent sense.

The tricky USMLE exams test participants on basic science, clinical reasoning, medical management, and bioethics. They’re most often taken by medical students and physicians in training. These exams are also standardized and regulated, which makes them particularly well suited to test out ChatGPT’s capabilities, the researchers said. One thing the exams definitely aren’t is easy. Human students typically spend around 300-400 hours stressfully pouring over dense scientific literature and testing material in preparation just for the Step 1 exam, the first of the three.

Surprisingly, ChatGPT managed to outperform PubMedGPT, another large language model AI trained exclusively on biomedical literature. That may seem counterintuitive at first, but the researchers say ChatGPT’s more generalized training may actually deliver it a leg up because it’s potentially exposed to a broader range of clinical content like patient-facing disease primers or drug package inserts. The researchers optimistically believe ChatGPT’s passable grade could hint towards a future where AI systems can play an assisting role in medical education. That’s already happening on a small level, they write, citing a exact example of AnsibleHealth clinicians using the tool to rewrite dense, jargon filled reports.

“Our study suggests that large language models such as ChatGPT may potentially assist human learners in a medical education setting, as a prelude to future integration into clinical decision-making,” the researchers said.

In a rather meta twist, ChatGPT wasn’t just tasked with taking the medical exam. The system was also involved with drafting the eventual research paper documenting its performance. Researchers say they interacted with ChatGPT, “much like a colleague” and leaned on it to synthesize and simplify their draft and even provide counterpoints.

“All of the co-authors valued ChatGPT’s input,” Tiffany Kung, one of the researchers wrote.

ChatGPT has added an impressive amount of passing grades to its educational trophy wall in exact months. Last month, ChatGPT managed to score between a B and B minus on a MBA-level test given to business students at the prestigious Wharton School of the University of Pennsylvania. Right around the same time, the AI achieved a passing score on a law test given to students at the Minnesota University Law School. In the law test case, ChatGPT skirted by with a C+.

“Alone, ChatGPT would be pretty mediocre law student,” lead study author Jonathan Choi said in an interview with Reuters. “The bigger potential for the profession here is that a lawyer could use ChatGPT to produce a rough first draft and just make their practice that much more effective.”

ChatGPT might be able to eke out passable scores in exams focused on writing and memorizing comprehension, but mathematics is another beast entirely. Despite its impressive ability to bust out academic papers and semi-conceiving prose, researchers say the AI only performs at roughly a 6th grade level when it comes to math. ChatGPT fares even worse when it’s asked basic arithmetic problems in natural language format. That stumbling stems from its predictive large language model training. ChatGPT will, of course, confidently provide you an answer to your math problem, but it could be completely divorced from reality.

ChatGPT’s at time wacko answers are what senior Google engineers and other in the field have referred to, cautiously, as AI “hallucinations.” These AI hallucinations create answers that seem convincing but are partially or completely made up, which isn’t exactly a great sign for anyone looking to authoritative AI’s in high-stakes fields like medicine and law.

“It [ChatGPT] acts like an expert, and sometimes it can provide a convincing impersonation of one,” University of Texas professor Paul von Hippel said in a exact interview with The Wall Street Journal. “But often it is a kind of b.s. artist, mixing truth, error and fabrication in a way that can sound convincing unless you have some expertise yourself.”

Mon, 13 Feb 2023 22:11:00 -0600 en text/html https://gizmodo.com/ai-chatgpt-bing-google-passed-step-1-medical-exam-1850109825
Killexams : Do you need a medical test for term life or standard life insurance?

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Wed, 25 Jan 2023 09:17:00 -0600 en-US text/html https://www.businessinsider.com/personal-finance/do-you-need-medical-exam-life-insurance
Killexams : JEE Mains 2023 Syllabus: Updates On test Pattern, Medium Of Question Paper

The National Testing Agency (NTA) has released the Joint Entrance test (JEE) Mains 2023 test syllabus. Candidates can check and obtain the JEE Main syllabus through the official website- jeemain.nta.nic.in. There will be three sections in the JEE Main 2023 BE and BTech paper which include Physics, Chemistry and Mathematics.

The JEE Mains 2023 comprises two papers- paper 1 and paper 2. Paper 1 is conducted for admission to undergraduate engineering programmes (BE and BTech). And paper 2 is conducted for admission to BArch and BPlanning courses in the country. The test will be held in two sessions in Computer Based Test (CBT) mode.

For every correct answer or the most appropriate answer in the JEE Mains 2023 exam, four marks (+4) will be awarded. For incorrect answers or multiple answers, candidates will get a minus one (-1) mark. And for unanswered or marked for review no marks will be given. Also Read || #JEEMain2023 Trends On Twitter; Aspirants Want January Session Be Deferred, Says It Clashes With Boards

In accordance with the National Education Policy (NEP), the JEE Mains 2023 will be conducted in English, Hindi, Assamese, Bengali, Gujarati, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu. The option of language for question paper should be exercised while filling up the application form online and it cannot be changed at a later stage. However, for the correctness of the questions in all the question papers, the English version will be taken as the final.

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Mon, 19 Dec 2022 19:52:00 -0600 text/html https://www.ndtv.com/education/jee-mains-2023-syllabus-updates-on-exam-pattern-medium-of-question-paper-3622654
Killexams : HPSC PGT 2022: Check Syllabus & Latest test Pattern

HPSC PGT 2022 test is scheduled to be held in February 2023 for recruitment of 4476 vacancies of Post-Graduate Teachers (PGTs) (3863 posts and 613 posts for Haryana cadre and Mewat cadre respectively). Check Detailed Syllabus & test Pattern.

HPSC PGT 2022: Check Syllabus & Latest test Pattern

HPSC PGT Syllabus 2022: The Haryana Public Service Commission is conducting the HPSC PGT Recruitment 2022 for the selection of eligible candidates against 4476 vacancies of Post-Graduate Teachers (PGTs) (3863 posts and 613 posts for Haryana cadre and Mewat cadre respectively). The HPSC PGT 2022 test is scheduled to be held in February 2023. Candidates appearing for the HPSC PGT 2022 will undergo a Written Test, Interview, Document Verification, and Medical Exam. Meanwhile, candidates can check the detailed syllabus, topics, test pattern, and marking scheme for HPSC PGT 2022 and begin their preparation.

HPSC PGT Recruitment 2022 Important Dates

Check out the important dates pertaining to the HPSC PGT recruitment shared below:



HPSC PGT Notification Release Date

19th November 2022

Opening Date of HPSC PGT Application Process

27th November 2022

Closing Date of HPSC PGT Application Process

25th December 2022

HPSC PGT test Date 2022

February 2023

HPSC PGT test Pattern

  • The HPSC PGT test is going to be conducted in pen and paper mode.
  • There are 150 Multiple Choice Questions.
  • All questions carry equal marks. Each question will have 5 options. The fifth option shall be in case a candidate wants to leave a question unanswered
  • Negative marking shall be applicable. 1/4th marks shall be deducted for each wrong answer. In case, a candidate neither attempts a question nor darkens the fifth option then 1/4th marks shall be deducted.


Maximum Questions

Maximum Marks

Questions from Concerned Subjects



Educational Psychology, Pedagogy, General Awareness, General mental ability, Comprehension, Logical Reasoning, and Analytical Ability, Decision making and problem-solving, Basic numeracy, Data interpretation and the questions related to History, Geography, Polity, Economy and Culture of Haryana.






Also Read: HPSC PGT Eligibility Criteria 2022: Check Important Dates, Age Limit, Educational Qualifications

Also Read: HPSC PGT 2022: Check Detailed Subject-wise Important Topics, obtain PDF

HPSC PGT Syllabus

The HPSC PGT syllabus has been prescribed for all the subjects by the commission. The candidates who are going to write the upcoming test can resort to the subjects mentioned below for clearing the test in a single attempt.

Common Syllabus

Educational Psychology, Pedagogy, General Awareness, General mental ability, Comprehension, Logical Reasoning, and Analytical Ability, Decision making and problem-solving, Basic numeracy, Data interpretation and the questions related to History, Geography, Polity, Economy and Culture of Haryana.

Subject concerned Syllabus

HPSC PGT Subjects

HPSC PGT History

HPSC PGT Mathematics

HPSC PGT Commerce

HPSC PGT Computer Science

HPSC PGT Fine Arts

HPSC PGT History


HPSC PGT Political Science

HPSC PGT Physical Education

HPSC PGT Biology

HPSC PGT Chemistry


HPSC PGT Sociology

HPSC PGT Psychology

HPSC PGT Home Science

HPSC PGT English

HPSC PGT Economics

HPSC PGT Physics

HPSC PGT Geography

HPSC PGT 2022 Apply Online Link

Fri, 10 Feb 2023 04:22:00 -0600 text/html https://www.jagranjosh.com/articles/hpsc-pgt-2022-syllabus-and-latest-exam-pattern-1669620262-1
Killexams : No Medical test Life Insurance: Cheap Term & Whole Life Insurance Without a Physical

No medical test life insurance — also called simplified issue — offers coverage without a physicals, blood test or urine test. If you need insurance on short notice or have a preexisting condition that would make it hard to pass a medical exam, simplified issue life insurance can be convenient and affordable.

No medical test life insurance policies

No medical test policies are available for both term and whole life insurance. One key difference between term and whole life is that the death benefits for whole life coverage without an test are typically limited to $50,000, whereas term life benefits without an test can be twice that.

When applying for no medical test insurance, you'll be asked several questions about your health and medical history, and your responses will be used to determine whether you qualify for coverage. Each insurer has their own list of questions, meaning you may be rejected by one company but find coverage at another.

A life insurance policy that doesn't require any medical screening and doesn't ask for responses to any health questions is called guaranteed issue or guaranteed acceptance.

Regardless of what you're asked, honesty is important. Insurers can cancel your policy during the first two years of coverage without a refund if they find that you lied or misrepresented anything. Keep in mind that even without a health exam, insurers still have ways to confirm the information you provide. Insurance companies regularly check your responses against:

  • Prescription databases
  • The Department of Motor Vehicles
  • The Medical Information Bureau
  • Physician statements

No medical test term life insurance

If you don't qualify for fully underwritten life insurance and need more than $50,000 in coverage, your best option is a no medical test term life policy. Term policies are among the cheapest forms of no medical test insurance and are offered in lengths up to 30 years. They can typically be purchased until age 75, but some insurers restrict term lengths based on age.

When shopping for simplified issue term life insurance, you should make sure the policy is described as "level term" or has guaranteed level premiums for the term length. These phrases mean the life insurance quotes you receive will reflect the price you'll pay for the entire length of the policy.

Some insurers offer a no medical test term insurance product where quotes are based on your age group (typically a five-year period, such as ages 50–54). With these renewable policies, the term length is essentially one year, and premiums increase each time you enter a new age group. This means the policy becomes incredibly expensive over the course of 15 to 20 years.

As an example, let's say you're a 45-year-old man and want $150,000 of coverage for 20 years. New York Life offers coverage according to your age, so the monthly premium would increase each time you enter a new age bracket.

Cost of no medical test term life insurance by age

45–49 $119
50–54 $146
55–59 $194
60–64 $269
Compare rates

Even though your initial quote was for $119, the average you would pay over the term would be $182 per month. Over 20 years, you'll have paid $43,680.

If you had a level term policy and paid $119 per month, you would pay $28,560 over the course of 20 years instead — a savings of $15,120. Level term policies are usually more affordable because premiums can vary based on factors other than age, so the insurer can better price your risk profile.

Another product you’ll want to look out for when shopping for life insurance is accidental death insurance, which is similar to term life insurance but only pays a death benefit if you die as the result of an accident. Because only about 5% of deaths are caused by accidents, premiums are cheap and coverage often requires no medical exam. However, accidental death coverage does not apply to natural causes, such as stroke or heart attack.

No medical test whole life insurance

No medical test whole life insurance is typically used as a form of final expense insurance, because the coverage is lifelong and death benefits are generally capped at $25,000 or $50,000. After your death, your beneficiaries may receive a payout large enough to cover your funeral, other end-of-life costs and potentially a small loan. However, it won’t be enough to pay for a mortgage or provide income replacement for an extended period.

If you want final expense insurance and do not qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

Should I buy no medical test life insurance?

We don't recommend no-exam insurance if you would likely qualify for traditional coverage. No medical test life insurance is more expensive than fully underwritten coverage and typically provides fewer options. For example, you usually can't increase your death benefit or convert a term policy to permanent coverage. In addition, the medical exam for traditional coverage is free, typically lasts less than 30 minutes and can take place at your home or work, so it’s a fairly easy process if you would likely qualify.

However, you should consider a no medical test policy if:

  • You have preexisting medical conditions that have been diagnosed in the past two years
  • You have a significant preexisting condition, such as diabetes
  • Both of your parents died before age 60
  • You have DUIs or other significant issues on your driving record in the past two years
  • You have a record of drug or alcohol abuse in the past five years
  • Your job is particularly high risk, such as being a firefighter
  • You have high-risk hobbies, such as BASE jumping or outdoor rock climbing

If any of these scenarios apply to you, we recommend first looking for an insurer that offers fully underwritten coverage for your situation, as insurance companies all have different restrictions. Independent insurance agents represent multiple companies and are familiar with each insurer's underwriting requirements, so an agent may be able to help you find an insurer that accepts your health profile.

No medical test life insurance is also useful if you need instant life insurance to secure a personal or business loan, which is a common requirement from institutional lenders. No medical test policies often provide coverage the same day or may take up to five business days, whereas traditional policies can take several weeks for approval. In these cases, we recommend getting no medical test coverage and then applying for a fully underwritten term policy. This way, you can satisfy the bank or other lender’s immediate requirements but minimize your long-term costs.

No medical test versus guaranteed acceptance life insurance

Guaranteed acceptance life insurance is similar to no medical test coverage, in that you don't need to get a physical or provide blood or urine tests to apply. The main difference is that there are no health questions for guaranteed issue life insurance, so anyone who falls within a particular age range will be accepted. This makes guaranteed issue policies even more costly than no-exam insurance, but they're still a good alternative if you don’t qualify for no medical test coverage.

Each insurer has its own standards and questions for no-exam life insurance applicants. In general, you should probably consider a guaranteed acceptance policy if:

  • You’re on dialysis
  • You’re restricted to a wheelchair or in a nursing home
  • You’ve been diagnosed with a medical condition, such as diabetes, in the past two years
  • You are HIV positive
  • You have kidney disease

Guaranteed issue policies are only available for whole life insurance, and coverage is typically less than $25,000. It's usually intended as final expense insurance, offering a death benefit that’s enough to cover a funeral and other costs associated with your death. There are no alternatives for term life insurance without providing some personal information.

No test term or whole life vs guaranteed acceptance whole life

Typical coverage max. $500,000 $50,000 $25,000
Length of coverage Up to 35 years Lifetime Lifetime
Medical questions Yes Yes No
Waiting period None None 2–3 years

Because guaranteed acceptance policies offer life insurance coverage without health or medical questions, they generally have a two- to three-year waiting period, during which the insurer will not pay the full death benefit to your beneficiary. Instead, they’ll provide your beneficiary with the amount you've paid in premiums, plus interest (usually 6–10%).

No medical test life insurance policies usually have no waiting period, but the company will investigate the circumstances of your death if it occurs within the first two years of coverage. If they find any evidence that you died from suicide or provided any misleading medical or personal information during the application process, they can deny the claim, and your beneficiaries won't receive a payout.

Sat, 15 Aug 2020 06:53:00 -0500 Maxime Croll en text/html https://www.valuepenguin.com/life-insurance/no-medical-exam
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