You will surely pass CFR-310 exam with these exam questions

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Exam Code: CFR-310 Practice exam 2022 by Killexams.com team
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To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common.  KATLEHO SEISA / Getty Images

Obtaining life insurance can help you pass money on to your family or other beneficiaries after your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and policy limits, but there can also be varying requirements to qualify for a life insurance policy.

One route that some people take is obtaining a no-exam life insurance policy, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the exam results could lead to even higher costs, then this may be a reasonable option. 

Here's a look at some of the top life insurance providers available. 

Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.

What is no-exam life insurance?

No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:

  • Simplified issue life insurance: This type of insurance can be for either term life insurance or whole life insurance. As the name implies, these policies follow a simplified process. Rather than needing a medical exam, you can answer a few basic questions and get a decision online in just a few minutes.
  • Guaranteed issue life insurance: This type of policy typically applies to permanent life policies. This is geared more toward those with health conditions and who may be older, so they can benefit those who want a certain to qualify, rather than being rejected following a medical exam. However, these policies typically have a waiting period of a couple of years, meaning the benefits might not kick in for someone who dies shortly after applying.

How to get a no-exam life insurance policy

To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.

To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.


Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical exam or not.

Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.

How much does no-exam life insurance cost?

No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.

For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical exam only has an estimated cost of $30 in monthly payments.

You can also compare prices and plans by scouring life insurance providers online and getting free quotes.

Is no-exam life insurance worth it?

There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical exam that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can also benefit those who don't qualify for typical life insurance due to factors such as age or medical history. 

However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you may secure a lower price with the medical exam.

Bottom line

Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.

Wed, 30 Nov 2022 15:13:00 -0600 en-US text/html https://www.cbsnews.com/news/what-is-no-exam-life-insurance-policy/
Killexams : Final preparations complete for Grade 12 exams
Content image - Phnom Penh Post

Education minister Hang Chuon Naron addresses Grade 12 exam candidates, invigilators and relevant officials in a pre-recorded video on December 1. MOEYS

With high school diploma exams set to take place on December 5-6, Minister of Education, Youth and Sport Hang Chuon Naron calls on all invigilators and education staff to abide by the regulations to ensure that the exams will be successful and transparent.

Besides, Chuon Naron urged all participants to continue to practise preventive measures including the three dos and don’ts and other health guidelines laid out by the Ministry of Health to curb the spread of Covid-19.

He thanked the parents and guardians of students and the authorities at all levels, especially the ministries of Interior and Health, National Military Police, Anti-Corruption Unit (ACU), Union of Youth Federations of Cambodia (UYFC), and Electricity of Cambodia (EDC) for joining the education ministry in facilitating the exam process.

Education ministry secretary of state Nath Bunroeun and ACU head Om Yentieng co-hosted a meeting for invigilators and heads of exam centres.

The meeting was held to instruct them on exam procedures and provide them with recommendations to ensure that the exams are credible, fair and transparent with acceptable outcomes.

Invigilators nationwide have received and Checked boxes of exam papers, which were dispatched to their respective provinces on December 2.

“All invigilators of the exams will carry out their roles responsibly, with the participation of the ACU. They will observe our guidelines on health and safety measures to curb the spread of Covid-19,” the ministry said.

The Ministry of Tourism has also called on transport and hospitality operators to not overcharge exam candidates, invigilators and relevant officials before and during the exams as some of have to travel from afar for the two-day exams.

There are 128,134 candidates registered to sit the exams in 221 testing centres.

Thu, 01 Dec 2022 19:02:00 -0600 en text/html https://phnompenhpost.com/national/final-preparations-complete-grade-12-exams
Killexams : SSC CGL exam Analysis 2022 Tier 1: 1st December Shift-1, 2, 3 Paper Review, Expected Cut Off

SSC CGL Tier 1 exam Analysis 2022: Download the Section-wise Analysis of the SSC CGL exam held on 1st December 2022 with expected cutoff marks. Also, check the overall number of good attempts and difficulty level of the question paper here.

SSC CGL Tier 1 exam Analysis 2022 1st December

SSC CGL exam Analysis 2022 (December 1): The Staff Selection Commission conducted the  SSC CGL exam on December 1, 2022. All the eligible candidates who have participated in the Tier I exam have shared their reviews & feedback. Thus, they should go through the SSC CGL exam Analysis to understand the good number of attempts and expected cut-off marks.

The commission will release the Tier I answer key in the coming days. Till then, candidates can check the exam analysis of the SSC CGL exam to determine the chances of selection. Also, candidates are advised to check the official website regularly for the latest update related to the answer key and results of the SSC CGL Tier I exam 2022.

SSC CGL exam Pattern 2022

Mentioned below is the SSC CGL exam pattern for the Tier I exam for the reference of the candidates.

  • The Tier-I exam comprises an Objective Type with Multiple choice questions. 
  • The questions are asked in both English & Hindi except for the English comprehension.
  • There will be a negative marking of 0.50 for each incorrect answer.

SSC CGL Overall Difficulty Level (Shift-1, 2 & 3)

All the aspirants who have appeared for the SSC CGL exam have shared that the overall exam level was easy. Have a look at the table to understand the section-wise level and the good attempts in the Tier I exam.

Subject

SSC CGL exam Level

Number of Good Attempts

General Intelligence & Reasoning

Easy

20-22

Quantitative Aptitude

Easy

20-22

General Awareness

Moderate

23-26

English Comprehension

Easy

21-24

Total

Easy to Moderate

80-85

SSC CGL Section Wise exam Analysis

According to the feedback of the candidates, the questions asked in the Tier I exam were easy level. Mentioned below is the Tier I section-wise analysis of the SSC CGL Exam.

SSC CGL exam Analysis for General Intelligence & Reasoning

The overall level of questions asked in reasoning was easy. The questions asked in Coding-Decoding, Blood Relations, and Analogy was easy. Check the topic-wise analysis of the reasoning section below

SSC CGL Reasoning courses (Shift-1)

Number of Questions

Missing Number Series

1

Order Ranking

1

Mirror image

1

Venn Diagram

1

Alphabetical series

4-5

Dictionary Order

1

Figure Counting Triangle

1

Dice

1

Syllogism

3

SSC CGL Reasoning courses (Shift-2) No. of Questions
Non- Verbal Series 3
Embedded 1
Blood Relation 4
Dice (Closed Dice) 1
Coding-Decoding 2
Analogy 4
Figure Counting Triangle 1
Block- Calendar 1

SSC CGL Reasoning courses (Shift-3)

No. Of Questions Asked

Analogy

2

Odd One Out

1

Series

1

Syllogism

2

Mathematical Operations

3

Classification

1

Blood Relation

1

Mirror Image

1

Venn Diagram

1

Paper Folding Image

1

Missing Term

1

Hidden Figure

1

Dice & Cube

1

Clock & Calender

1

Total Questions

25

SSC CGL exam Analysis for General Awareness

The level of questions asked in General Awareness was easy to moderate. As per the feedback of the candidates, the current affairs was of last eight months. Check out the topic-wise analysis of General Awareness below:

SSC CGL GA courses (Shift-1)

Number of Questions

Chemistry

4

History

3

Economics

1

Biology

3

Static GK

4-5

Current Affairs

7-8

Polity

2

Geography

2

SSC CGL GA courses (Shift-2)

Questions Asked

History

02

Polity

01

Geography

02

Economics

03

Static Awareness

01

Biology

02

Chemistry

02

Physics

01

Current Affairs

05

SSC CGL GA courses (Shift-3)

Questions Asked

History

05

Polity

03

Geography

02

Economics

01

Static Awareness

01

Biology

02

Chemistry

02

Physics

01

Current Affairs

03

SSC CGL exam Analysis for English Comprehension

The level of questions asked in the English Language was easy. Check out the topic-wise analysis for English Comprehension below:

SSC CGL English courses (Shift-1)

Number of Questions

Synonyms & Antonyms

5-6

Idioms & Phrases

4-5

Active & Passive Voice

4-5

Cloze Test

5

Direct-Indirect Speech

2-3

One word substitution

1-2

Phrasal Verbs

2-3

Spelling Correction

1

SSC CGL English courses (Shift-2)

Questions Asked

Error

04

Para Jumble

08

Cloze test

05

Filler

03

Antonyms

01

Synonyms

02

SSC CGL English courses (Shift-2)

No. Of Questions Asked

Fill in the Blanks

1

Sentence Improvement

2

Error Detection

1

Sentence Rearrangement

2

Idioms and Phrases

2-3

Synonyms

2

Antonyms

2

Active Passive

2

Direct Indirect

2

Narration

2

One Word Substitution

1

Spelling Correction

1

Cloze test

5

Total Questions

25

SSC CGL exam Analysis for Quantitative Aptitude

The level of questions asked in the Quantitative Aptitude was easy. Check out the topic-wise analysis for Quant below:

SSC CGL Quant courses (Shift-1)

Number of Questions

Time & Work

1

Data Interpretation

5

Mensuration

1-2

Number System

1

Geometry

3-4

Unit Digit

1

Profit loss

3-4

Percentage

1

Algebra

3-4

Simple Interest

3

Trigonometry

1-2

SSC CGL Quant courses (Shift-2)

Questions Asked

Mensuration

01

Time & Work

01

SI CI

01

Percentage

02

Algebra

03

Trigonometry

02

Number System

01

Unit Digit

02

Geometry

01

Total

25

SSC CGL Quant courses (Shift-3)

Questions Asked

Mensuration

01

Time & Work

01

SI CI

01

Percentage

02

Algebra

03

Trigonometry

02

Number System

01

Unit Digit

02

Geometry

01

Total

25

SSC CGL Expected Cut-Off Marks

Based on the SSC CGL exam analysis and feedback of the candidates, the SSC CGL expected cut-off marks are shared below:

Category

SSC CGL Tier 1 Expected Cut Off Marks

General

140-142

OBC

126-128

SC

119-125

ST

115-120

We hope this article on SSC CGL exam Analysis was insightful for our readers. The SSC CGL Selection process will be held in three stages, i.e., Tier I, Tier II, and Document Verification round. Candidates need to clear the cut-off marks in order to be called to participate in further recruitment rounds. Only the candidates who will crack both CGL selection rounds will be featured on the final merit list.

Check SSC CGL Posts, Salary, Job Profile & Promotion Policy:

Check Intelligence Bureau ASO Job Profile, Pay Scale & Promotions

Check ASO Central Secretariat Service (CSS) Job Profile, Salary, Promotion & Posting Details

Check SSC Junior Statistical Officer (JSO): Job Profile, Pay Scale & Promotions

Check CBI Sub-Inspector Job Profile, Pay Scale, Training & Promotions

Check National Investigation Agency (NIA) Sub-Inspector Job Profile, Pay Scale & Promotions

Check Central Bureau of Narcotics Inspector & SI Job Profile, Pay Scale, Training & Promotions

Check SSC CGL Tax Assistant CBIC & CBDT Minimum Age Limit/ Salary/ Job Profile/ Promotion

Check SSC CGL Assistant Section Officer (ASO) in Railways Job Profile, Pay Scale & Promotion

Check Postal Inspector Eligibility, Job Profile Salary, Promotion & Posting Details

Check SSC CGL Assistant Section Officer (ASO) in Ministry of External Affairs Job Profile, Pay Scale & Promotion

FAQ

Q1. What was the level of questions asked in SSC CGL 2022 Tier 1 Exam?

As per the SSC CGL exam Analysis, the questions asked in the Tier I exam were easy to moderate level.

Q2. What is the number of good attempts in the SSC CGL Tier 1 exam 2022?

As per the SSC CGL exam Analysis, the number of good attempts is 80-85 Questions

Q3. What is the marking scheme for SSC CGL exam 2022?

As per SSC CGL exam Pattern, 2 marks will be awarded for every correct response and 0.50 marks will be deducted as a negative marking for every incorrect answer.

Take Free Online SSC CGL 2022 Mock Test

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Thu, 01 Dec 2022 03:41:00 -0600 text/html https://www.jagranjosh.com/articles/ssc-cgl-tier-1-exam-analysis-1-december-2022-all-shifts-1669875792-1
Killexams : Best No-Exam Life Insurance Of December 2022

We scored companies based on these measurements:

Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.

Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.

Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.

Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness

Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.

Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.

Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.

Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.

The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.

Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.

Looking For Life Insurance?

Compare Policies With Leading Life Insurance Companies

Mon, 05 Dec 2022 20:26:00 -0600 Ashlee Tilford en-US text/html https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/
Killexams : SSC CGL exam Analysis 2022 Tier 1: December 1-13 All Shifts Questions, Day-wise Paper Review, Expected Cutoff

SSC CGL exam Analysis 2022 Tier 1: Get the detailed exam analysis of the SSC CGL 2022 Tier-1 exam being held from 1st to 13th December. So, let’s look at the type of questions asked in this exam, difficulty level, the number of good attempts, answer keys, and expected cutoff marks.

SSC CGL 2022 exam Analysis Tier 1: SSC CGL 2022 Tier-1 Online exam has begun today, i.e., 1st December, and will last till 13th December 2022. The Combined Graduate Level (CGL) exam is being conducted for the recruitment of Group “B” and Group “C” Posts - Inspector/ Sub-Inspector, Auditor, Accountant / Junior Accountant, Senior Secretariat Assistant / Upper Division clerks, Tax Assistant, Upper Division Clerk (UDC), Assistant Section officer, Junior Statistical Officer, etc. In this article, we are going to share the detailed Analysis of the SSC CGL Tier-1 2022 exam conducted online on 1st December 2022. 

SSC CGL 2022 Tier-1 Day-wise Exam Analysis

Let’s first look at the Subject-wise exam Analysis of SSC CGL 2022 Tier-1 Online Exam:

SSC CGL 2022 Exam Instructions & Guidelines

  • SSC CGL 2021-22 Tier-1 Exam will consist of total 100 questions for 200 marks in the Objective MCQ Format.
  • The paper will be conducted in Online Mode across different cities.
  • All the questions were compulsory and were in Objective Type MCQ Format.
  • Each question will be of 2 marks.
  • All the sections will be in English and Hindi Language except the English Language and Comprehension section. 
  • There was negative marking of 0.5 Marks for wrong answers.
  • SSC will decide the minimum qualifying marks of the online exam through normalization method.
  • Candidates will not be allowed to enter the exam venue after entry closing time.
Shifts Reporting Time Exam Timings
Shift 1 7:45 AM 9-10 AM
Shift 2 10:30 PM 11:45-12:45 PM
Shift 3 1:15 PM 2:30-3:30 PM
Shift 4 4:00 PM 5:15-6:15 PM
  • Candidates should carry 2 latest passport-size photographs and an original valid photo identity card having the same date of birth as printed on the admit card. If the Photo ID card does not have the Date of Birth then the candidate must carry an additional certificate also in original as proof of their Date of Birth, failing which they will not be admitted for the exam. In case of any mismatch in the date of birth, the candidate will not be admitted for the exam.
  • Candidates will not be allowed to leave the examination hall/room before the test was concluded.

The above Day-wise exam analysis will help you to assess your rank among the lakhs of candidates, who will be appearing for the SSC CGL Tier-1 Online Exam.

Check SSC CGL Posts, Salary, Job Profile & Promotion Policy:

Check Intelligence Bureau ASO Job Profile, Pay Scale & Promotions

Check ASO Central Secretariat Service (CSS) Job Profile, Salary, Promotion & Posting Details

Check SSC Junior Statistical Officer (JSO): Job Profile, Pay Scale & Promotions

Check CBI Sub-Inspector Job Profile, Pay Scale, Training & Promotions

Check National Investigation Agency (NIA) Sub-Inspector Job Profile, Pay Scale & Promotions

Check Central Bureau of Narcotics Inspector & SI Job Profile, Pay Scale, Training & Promotions

Check SSC CGL Tax Assistant CBIC & CBDT Minimum Age Limit/ Salary/ Job Profile/ Promotion

Check SSC CGL Assistant Section Officer (ASO) in Railways Job Profile, Pay Scale & Promotion

Check Postal Inspector Eligibility, Job Profile Salary, Promotion & Posting Details

Check SSC CGL Assistant Section Officer (ASO) in Ministry of External Affairs Job Profile, Pay Scale & Promotion

Wed, 07 Dec 2022 02:25:00 -0600 text/html https://www.jagranjosh.com/articles/ssc-cgl-tier-exam-analysis-2022-tier-1-all-shifts-1669872293-1
Killexams : CPD hosting final round of in-person exams through Saturday

CHICAGO (CBS) -- The Chicago Police Department is hosting its final round of in-person exams for the year.

Anyone aged 21 to 39 is eligible to take the test.

They'll be given at all of the City Colleges of Chicago locations Thursday through Saturday.

The exams at Harold Washington College will on be given Thursday and Friday.

Morning sessions start at 8 a.m. and afternoon sessions start at 2 p.m.

You can register in person before taking the test.

Thu, 01 Dec 2022 00:11:00 -0600 en-US text/html https://www.cbsnews.com/chicago/news/cpd-in-person-exams-2022/
Killexams : 20,000 students sit for allied health exams

The number of students slated to sit for the Allied Health examinations, which kick off today, has doubled to more than 20,000 due to the Covid-19 backlog.

The executive secretary of the Uganda Allied Health Examination Board (UAHEB), Mr Joseph Angodua, said a total of 20,570 health workers will sit today’s examinations from 215 examination centres.

The board has in previous years been conducting examinations for 10,000 students.

Mr Angodua told journalists during the briefing of the heads of invigilators at their offices in Kyambogo, Kampala, at the weekend that they expect the backlog to be cleared next year.

“Following the closure of all learning institutions for two years, a number of students did not sit for their examinations. We have been conducting examinations five times a year to ensure that we clear the backlog,” he said

According to Mr Angodua, the increased number of students called for more resources.

A total of 1,860 officials have been recruited to monitor the examinations, including scouts, examiners, invigilators, coordinators and supervisors.

The UAHEB chairperson, Ms Rose Nassali, asked the examiners to be vigilant to avoid malpractice. Ms Nassali said the board resolved to summon the invigilators to appear before the examination committee alongside students who will be caught cheating.

 “The students are aware. Once they catch you cheating either by smuggling unauthorised materials in the examination rooms or entering with a mobile phone, all your examinations will be cancelled,” Ms Nassali said.

The board flagged off the materials on Saturday to all the examination centres. Ms Nassali said they would be stored at the police stations for safety purposes and the exam coordinators will pick them from there.

Sun, 27 Nov 2022 21:56:00 -0600 en text/html https://www.monitor.co.ug/uganda/news/national/20-000-students-sit-for-allied-health-exams-4035718
Killexams : NYDFS proposes regulation to assess costs of 'supervision and examination' for licensed crypto firms

The New York State Department of Financial Services, or NYDFS, has proposed a regulation that would allow the government department to assess supervisory costs from licensed crypto firms operating in the state.

In a Dec. 1 announcement, NYDFS Superintendent Adrienne Harris opened the proposed budget measure for public comment. The regulation, if approved, would grant the department the authority to assess costs for the supervision and examination of firms operating in the state with a BitLicense — a state requirement for crypto companies since 2015.

“This assessment authority will allow the Department to continue building the team that is leading the nation with a suite of regulatory tools,” said Harris. “The ability to collect supervisory costs will help the Department continue protecting consumers and ensuring the safety and soundness of this industry.”

Though some crypto firms continue to operate in New York with a BitLicense, many including New York City Mayor Eric Adams have criticized the measure as a difficult barrier. The BitLicense originally cost $5,000 in application fees, with the NYDFS setting certain capital requirements for operations.

Related: NYDFS calls for crypto firms to use blockchain analytics

The proposed regulation built upon a rule signed into law in April granting the NYDFS “authority to collect supervisory costs from licensed virtual currency businesses.” Harris said the rule would help bring regulations of crypto firms in line with those imposed on banks and insurance companies.

According to the NYDFS, the proposal will initially be open to public comment for 10 days, then an additional 60 days upon publication in the state register.