Very useful CSSLP cheat sheet at

Fed up with reading bulky Certified Secure Software Lifecycle Professional publications? Keep in thought, you will nevertheless see strange queries in real CSSLP which you never see within course books. The particular answer is in order to download CSSLP Exam Cram from and remember all the queries and answers. Exercise with VCE sim and then you are ready for genuine CSSLP exam.

Exam Code: CSSLP Practice exam 2022 by team
CSSLP Certified Secure Software Lifecycle Professional

Exam Title : ISC2 Certified Secure Software Lifecycle Professional (CSSLP)
Exam Duration : 240 mins
Questions in exam : 175
Passing Score : 700/1000
Exam Center : Pearson VUE
Real Questions : ISC2 CSSLP Real Questions
VCE practice questions : ISC2 CSSLP Certification VCE Practice Test

The Official (ISC)² CSSLP training provides a comprehensive review of the knowledge required to incorporate security practices – authentication, authorization and auditing – into each phase of the Software Development Lifecycle (SDLC), from software design and implementation to testing and deployment. This training course will help students review and refresh their knowledge and identify areas they need to study for the CSSLP exam.

Domain 1: Secure Software Concepts
Domain 2: Secure Software Requirements
Domain 3: Secure Software Design
Domain 4: Secure Software Implementation/Programming
Domain 5: Secure Software Testing
Domain 6: Secure Lifecycle Management
Domain 7: Software Deployment, Operations and Maintenance
Domain 8: Supply Chain and Software Acquisition

Identify the software methodologies needed to develop software that is secure and resilient to attacks.
Incorporate security requirements in the development of software to produce software that is reliable, resilient and recoverable.
Understand how to ensure that software security requirements are included in the design of the software, gain knowledge of secure design principles and processes, and gain exposure to different architectures and technologies for securing software.
Understand the importance of programming concepts that can effectively protect software from vulnerabilities. Learners will touch on Topics such as software coding vulnerabilities, defensive coding techniques and processes, code analysis and protection, and environmental security considerations that should be factored into software.
Address issues pertaining to proper testing of software for security, including the overall strategies and plans. Learners will gain an understanding of the different types of functional and security testing that should be performed, the criteria for testing, concepts related to impact assessment and corrective actions, and the test data lifecycle.
Understand the requirements for software acceptance, paying specific attention to compliance, quality, functionality and assurance. Participants will learn about pre- and post-release validation requirements as well as pre-deployment criteria.
Understand the deployment, operations, maintenance and disposal of software from a secure perspective. This is achieved by identifying processes during installation and deployment, operations and maintenance, and disposal that can affect the ability of the software to remain reliable, resilient and recoverable in its prescribed manner.
Understand how to perform effective assessments on an organizations cyber-supply chain, and describe how security applies to the supply chain and software acquisition process. Learners will understand the importance of provider sourcing and being able to validate vendor integrity, from third-party vendors to complete outsourcing. Finally, learners will understand how to manage risk through the adoption of standards and best practices for proper development and testing across the entire lifecycle of products.

Certified Secure Software Lifecycle Professional
ISC2 Professional exam Questions
Killexams : ISC2 Professional exam Questions - BingNews Search results Killexams : ISC2 Professional exam Questions - BingNews Killexams : Prepare for the CAP Exam

ISA offers a variety of resources to help you prepare for the Certified Automation Professional (CAP®) exam.

Primary Textbook

A Guide to the Automation Body of Knowledge is the primary text resource for the CAP exam and provides a complete overview of all technical topics. Order the Guide to the Automation Body of Knowledge.

Study Guide

The CAP Study Guide is a comprehensive self-study resource that contains a list of the CAP domains and tasks, 75 review Questions and Answers complete with justifications. References that were used for each study guide question are also provided with the question. The Study Guide also includes a recommended list of publications that you can use to do further study on specific domains. Order the CAP Study Guide.

Review Courses

A CAP review course is available in several formats as preparation for taking the certification exam. This course is offered by ISA and can also be offered at your location.

ISA also has a variety of training courses that would be helpful in preparing for CAP. Visit the Automation Professional Training page for a complete list.

Additional Resources

Exam Topics

  1. Basic Continuous Control: Process Instrumentation, Analytical Instrumentation, Continuous Control, Control Valves, Analog Communications, Control System Documentation, Control Equipment
  2. Basic Discrete, Sequencing, and Manufacturing Control: Discrete Input & Output Devices and General Manufacturing Measurements, Discrete and Sequencing Control, Motor and Drive Control, Motion Control
  3. Advanced Control Topics: Process Modeling, Advanced Process Control, Control of Batch Processes, Environmental, Environmental Monitoring, Building Automation
  4. Reliability, Safety, and Electrical: Alarm Management, Reliability, Process Safety and Safety Instrumented Systems, Electrical Installations, Safe Use and Application of Electrical Apparatus
  5. Integration and Software: Digital Communications, Industrial Networks, Manufacturing Execution Systems and Business Integration, System and Network Security, Operator Interface, Data Management, Software, Custom Software
  6. Deployment and Maintenance: Operator Training, Checkout, System Testing, and Startup, Troubleshooting, Maintenance, Long-Term Support and System Management
  7. Work Structure: Automation Benefits and Project Justifications, Project Management and Execution, Interpersonal Skills

CAP trial Questions

Questions on the exam were derived from the real practice of automation professionals as outlined in the CAP Role Delineation Study and job task analysis. Using interviews, surveys, observation, and group discussions, ISA worked with automation professionals to delineate critical job components to develop exam specifications to determine the number of questions related to each domain and task tested. This rigorous program development and ongoing maintenance process ensures that CAP certification accurately reflects the skills and knowledge needed to excel as an automation professional.

The following six questions were taken from the CAP exam question item bank and serve as examples of the question type and question content found on the CAP exam.

  1. The method by which the tasks and hazards associated with a machine or process are analyzed is known as:
    • A. Risk assessment.
    • B. Machine assessment.
    • C. Risk reduction.
    • D. Risk abatement.
  2. To test controller tuning or prototype new control strategies offline, the model should be a(an):
    • A. Tie-back (loopback) simulation.
    • B. Artificial neural network.
    • C. Dynamic process simulation.
    • D. Steady state process simulation.
  3. The temperature measurement with the BEST repeatability and resolution is the:
    • A. Thermocouple.
    • B. Resistance temperature detector (RTD).
    • C. Dial thermometer.
    • D. Capillary system.
  4. Which of the following is NOT a variable speed drive setup parameter?
    • A. Acceleration rate.
    • B. Motor winding type.
    • C. Output frequency.
    • D. Maximum speed.
  5. A complete test plan for system integration testing MUST include:
    • A. Comments for the application programmer.
    • B. Multiple test cases for each mode of operation.
    • C. At least five test cases for each test.
    • D. Expected results for each test case.
  6. Frequency of maintenance should be determined by:
    • A. Failure rates of components.
    • B. Availability of personnel and parts.
    • C. Management targets for efficiency and productivity.
    • D. Effectiveness of maintenance personnel.

Sample Questions Answer Key

Question Number Correct Answer Exam Content Outline
1 A Domain 1, Task 4
2 C Domain 2, Task 2
3 B Domain 3, Task 3
4 B Domain 4, Task 7
5 C Domain 5, Task 5
6 A Domain 6, Task 2
Wed, 14 Jul 2021 04:33:00 -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 exam 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 exam 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 studying 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 exam 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 exam 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 : 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 : 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 exam 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 exam 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 exam window, you will receive an email with the exam invitation and instructions for scheduling your exam.

Pay Cap exam Fee

About the Exam

You can take the CAP exam online from your office or home if the testing environment meets the requirements and your computer meets specifications. You can also take the exam at a Scantron test center. The CAP exam 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) exam Review Course (EC00). ISA has also developed an extensive library of training courses, study guides and publications that are built around the technologies and Topics 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 exam reflect the tasks performed in the range of practice settings throughout the United States. Familiarity with the following standards and codes is recommended. obtain 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 exam 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 : ‘The exam questions are unacceptable’

The exact exam 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 exact 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 : 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 : What the GRE Test Is and How to Prepare No result found, try new keyword!It focuses on three aspects of biology, each of which provides the basis for roughly a third of the questions on the exam: cellular ... Ph.D. and professional degree programs in an array of ... Mon, 25 Jun 2018 03:17:00 -0500 text/html 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

Wed, 07 Dec 2022 20:41:00 -0600 Ashlee Tilford en-US text/html
Killexams : How to nail the 'Do you have any questions for me?' part of the interview
ferrantraite/Getty Images

Job interviews can be some of the most consuming, stressful 45-60 minutes of your life. Just when you've successfully given your 'tell me about yourself' pitch and answered your role-specific questions with grace, the power shifts to you when the interviewer asks, "Do you have any questions for me?"

Also: How to perfectly answer the 'tell me about yourself' interview question 

I've often wondered if there was a definitive answer (or, in this case, question) for this. What queries are a productive use of both the interviewer's and interviewee's time? Is the invitation just a formality? And what questions should I avoid asking so I don't provide the interviewer a bad impression of me? 

I reached out to HR professionals to learn more about how to best handle this classic end-of-interview question, and now I present to you the five golden questions that you should ask any hiring manager and three that you may want to avoid.

Why your interview questions matter

Before we get into what questions to ask, it's important to understand why it's important to ask one. As cliche as it sounds, a job interview is a two-way process that both you and the company are choosing to invest in. So, take the opportunity to ask at least one question that helps you determine whether the company is the right fit for you. 

Also: How to set up informational interviews without seeming pushy 

"[An interview] is the company looking to determine whether or not the candidate is the right candidate for the job, but it's also for the candidate to ensure that they can be successful at that company," says Dr. Janet Lenaghan, Dean of Frank G. Zarb School of Business at Hofstra University.  

Five questions you should ask in an interview

Transitioning from being interviewed to becoming the interviewee can be awkward, but asking a more reflective question can be a great way to ease into the shift in dynamics while helping you learn more about arguably one of the most important aspects of the company: culture. 

Valerie Rector, VP of Human Resources at Ping Identity, suggests starting by asking, "What do you like most about the work culture? What's most unique about it?" 

"Even though it's a bit of a softball, it's still a great question that keeps the conversation flowing while telling what's special about the company's leadership style," says Rector.

It's important to ask questions, but make sure that you're not asking ones that can easily be answered with a quick scan through the company's website or social platforms. Instead, show the interviewer that you're not just invested in the specific position but know enough to ask about the industry as a whole. 

Also: Tech in 2023: Here's what is going to really matter

According to Dr. Lenaghan, it's important to do an "environmental scan'' to understand what's happening in the industry and what's on the horizon. What implications do these broader changes have on your potential role and work processes?

This question may sound basic, but it's another great way to build an emotional connection between the two parties. It can also open up opportunities to further connect with the interviewer. For example, you may share similar interests and motives for wanting to work at the company. 

Rector recommends asking, "Why did you join XYZ company?" or "How have you grown since being in your position?" Your interviewer's account of their journey may make you think of something you hadn't considered before. 

Accepting a job offer only concludes the interview process, but being successful in the role should be your ultimate goal; it's also the employer's ultimate hope. To show your interviewer your initiative, ask what success looks like. 

"I think that's just a great lens to start from, whether you're the hiring manager, or the prospective candidate, to really understand what accomplishments will get me an 'Outstanding' on my performance review," says Rector. 

Also: How to find a new job while still employed

Asking these questions may seem presumptuous on the surface, but they exhibit confidence and drive. Also, it's good to have an outline of expectations before you go further in the process or accept the position. 

"It makes the candidate look good, because hey, they want to succeed," Rector adds.

Even if you believe the role and overarching culture are great fits, it's important to get some insight as to how your team operates. 

"What can they expect from the company? What can they expect from the culture is very, very important, as well. How has the team worked together? How are the players? What are their meetings like? What is the expectation? That's all very important," says Sue Swan, Chief of People at Summus Global

With remote and hybrid work becoming a new norm, you also want to make sure a team structure is in place so you have the support and communication needed to be productive from afar. 

Also: Remote work is hard. Here are five ways to make it easier

"So that you feel involved and you're participating, it helps to understand what the specific software platform(s) --- is it Zoom or Teams -- you'll utilize," says Swan.

Three questions you shouldn't ask in an interview

While you should always have a question or two reserved for the end, the following are deemed as "not recommended" by HR professionals -- in the earlier phases of the interview, at least. 

1. How much time do I get off?

Even though this might be a burning question, it's not one you want to ask -- especially if it's an early-round interview or initial screening call. 

"I always think it's a little bit of a red flag when you're asking about things like time off, and you don't even have the job," says Rector. It is important, however, to make sure that you won't be overworked. So instead, ask, "What does the work-life balance look like?" This question is not only phrased better but is an opportunity to learn more about the company culture, too.

2. Anything that can easily be found on the company's website

Asking something that can readily be found on the company website can provide the interviewer the impression that you're not serious about the company or that you're unprepared. 

"Ensure that your questions are ones that you couldn't have answered by doing your own research," says Lenaghan. 

If the company website has a mission statement, for example, don't ask what the company stands for or what the company most values. Instead, you could ask how the company upholds its values, while mentioning specific ones, to show that you did your research and you're interested in learning more. 

3. For initial screenings: What's my compensation?

Whether on its website, initial job listing, or discussed during the later course of the interview, most companies will make an effort to disclose pay scale and benefits -- now more than ever. 

While asking about pay rates and benefits is important and fair, there is in fact a "best time" to inquire about it some more. In your first screening, however, focus on questions that show you're passionate about the role, and not just there for the money. 

More: Pay transparency is coming. Here's what that means for you

"We really want to focus on what the role is, and not necessarily the compensation piece and the PTO, at least in meeting one," Rector says. Of course, if you find yourself wanting more clarification as you move forward in the interview process, ask questions rooted in curiosity. And understand if the hiring manager may need time post-interview to get you the right information. 

"[Compensation questions] aren't bad questions to ask, but it's the approach on how their questions are phrased. Sometimes we have to take time, come back, and clarify what we offer and make sure that applicants understand the response," Swan says. 

Sat, 10 Dec 2022 01:13:00 -0600 en text/html
Killexams : BTS Suga Mentioned In Philippines Bar exam 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 exam 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 exam 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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