Though networking of all kinds remains a white-hot IT concern and technology area, nothing is hotter than wireless technologies for everything from local area networking with 802.11ad to the widespread proliferation and adoption of fourth-generation (4G) wireless wide area networking technologies, such as LTE (with 5G now also starting to make its debut.)
The five certifications we cite in this article represent a small sample of the wireless IT certifications available in today’s marketplace. This year, we continue to feature two ever-popular Cisco certifications – the CCNA and CCNP Enterprise – along with the CWNA and CWSP credentials from the Certified Wireless Network Professional organization. Rounding out our top five list is the CompTIA Network+ credential.
Salaries for wireless-savvy professionals vary considerably. According to SimplyHired, entry-level wireless networking professionals can expect to make roughly $67,000, although there were highs reported at nearly $154,000. Of course, these are just average salaries. Indeed, other factors, such as job role and experience, greatly influence earning potential. When looking at salaries by job role rather than individual certification, you’ll find average salaries are much higher. For example, SimplyHired reports average earnings for network architects at more than $130,000, with earnings on the high end at almost $181,000.
In preparation for this article, we conducted a random survey of various IT job boards to see what certifications are being requested by prospective employers. In reviewing the results, it’s important to remember that factors, such as geography, the current climate of the employment market, and the complexity of the cert, influence outcomes.
You can expect to see lower numbers on more senior certifications, because, quite frankly, they’re more difficult to earn. Thus, fewer people possess them as compared to entry- and mid-level wireless certs.
Cisco offers some of the most widely known and recognizable certifications in the industry. It offers a wireless specialization for each Cisco networking credential at the Associate (CCNA), Professional (CCNP Enterprise) and Expert (CCIE Wireless) levels.
As of February 24, 2020, Cisco has rolled out a new CCNA exam. Currently, there are no prerequisites for the new exam, although ideal candidates should understand IP addressing, network fundamentals, and possess at least one year of direct experience implementing and administering Cisco solutions.
Candidates must also pass a single test (excluding any exams required for prerequisite certifications) to earn the CCNA credential. The new CCNA test is a consolidated test and replaces all current CCNA exams, regardless of concentration area. According to Cisco, the new CCNA test focuses on a broader range of fundamental skills, including automation and programmability, security fundamentals, IP services, IP connectivity, network access and network fundamentals. The new CCNA credential is valid for three years after which credential holders must recertify by passing an approved test or earning 30 Continuing Education Credits (CECs).
Professionals who earn the CCNA Wireless prior to February 23, 2020, will receive the new CCNA credential and a training badge.
200-301 CCNA (120 minutes).
|Certification Name||Cisco Certified Network Associate|
|Number of Exams|
|Exam delivered through Pearson VUE.|
|Self-Study Materials||The CCNA certification web page listed above provides a great list of self-study materials, learning network resources, training videos, practice questions, course syllabus and study groups, as well as learning partner content. Candidates can prepare for the test with the Implementing and Administering Cisco Solutions v1.0 course. The course is available online or in virtual or live classrooms. Plan on five days of classroom instruction and three days of self-study. The cost is $800.|
As with the CCNA Wireless certification, Cisco rolled out a new CCNP credential – the CCNP Enterprise – on February 24, 2020. Two exams are required to earn this CCNP Enterprise certification: a core test (focused on enterprise technologies) and an enterprise concentration exam. There are no prerequisites for the CCNP Enterprise credential, but successful candidates should have at least three to five years of experience implementing enterprise network solutions. The CCNP Enterprise is valid for three years. To recertify, certification holders must either pass a professional concentration test plus earn 40 CECs, or earn 80 CECs.
If you’ve had or have been working toward the CCNP Wireless credential, your hard work is not in vain. You’ll receive credit toward the new CCNP Enterprise credential for all completed work. Cisco’s CCNP Wireless Migration Tool is an easy-to-use tool that shows you exactly how your current work translates to the new program. For example, if you passed the CCNP Wireless Design test prior to February 24, 2020, you’ll receive the Cisco Certified Specialist – Enterprise Wireless Design credential. To earn the CCNP Enterprise certification, you would need to pass the CCNP Enterprise Core exam.
|Certification Name||Cisco Certified Network Professional Enterprise (CCNP Enterprise)|
|Prerequisites & Required Courses||There are no formal prerequisites for the CCNP Enterprise. Candidates should have a three to five years of experience implementing enterprise network solutions.|
|Number of Exams||The core test is 350-401 ENCOR (Implementing Cisco Enterprise Network Core Technologies).
In addition to the core test above, choose one of the following concentration exams:
300-410 ENARSI (Implementing Cisco Enterprise Advanced Routing and Services)
300-415 ENSDWI (Implementing Cisco SD-WAN Solutions)
300-420 ENSLD (Designing Cisco Enterprise Networks)
300-425 ENWLSD (Designing Cisco Enterprise Wireless Networks)
300-430 ENWLSI (Implementing Cisco Enterprise Wireless Networks
300-435 ENAUTO (Implementing Automation for Cisco Enterprise Solutions)
Exams are 90 minutes in length. Exams listed above are in addition to examinations required for any prerequisites.
|Exam Details||Exams delivered through Pearson VUE.|
|Self-Study Materials||The CCNP Enterprise certification page contains additional information about the test and study resources.|
CompTIA is a well-recognized certification provider of vendor-neutral industry credentials. The CompTIA Network+ credential joins the IT Fundamentals+, A+ and Security + credentials as part of CompTIA’s four “core” credentials. The Network+ certification serves as a prerequisite to several other CompTIA credentials including Security+, Cybersecurity Analyst+ (CySA+) (formerly CSA+), Linux+ and PenTest+.
An intermediate-level credential, the Network+ certification targets professionals in junior-level roles, including network administrators, system or field engineers, help desk and support technicians, and network analysts. Network+ validates a candidate’s skill and technical expertise relating to network configuration, design and implementation, virtualization support, troubleshooting, security standards, network devices configuration and more.
A single test (N10-007) is required to earn the credential. Launched in in March 2018, the test digs into several domains, including new hardware technologies, cloud computing, technical service models, virtualization and security concepts.
The credential is valid for a period of three years after which candidates must recertify. There are several paths to recertification; candidates can view the current requirements on CompTIA’s renewal web page. Professionals who are on a timeline to recertify quickly should explore a CertMaster CE course that allows candidates with valid credentials to recertify in as little as four to six hours for a nominal fee of $189.
|Certification Name||CompTIA Network+|
|Prerequisites & Required Courses||CompTIA A+ (recommended)
Nine to twelve months of networking experience recommended
|Number of Exams||One exam, CompTIA Network+ (N10-007) (90 minutes in length and up to 90 questions)|
|Cost per Exam||$329|
|Self-Study Materials||CompTIA maintains a list of learning opportunities on its Network+ training web page. Here, you’ll find links to study guides, classroom training, e-learning opportunities, and with CompTIA’s adaptive learning tool – CertMaster. You can also find numerous self-study materials available through Amazon.|
The Certified Wireless Network Administrator (CWNA) credential from the Certified Wireless Network Professional (CWNP) organization has been around for more than a decade but still represents a terrific general-purpose IT certification for those who install, configure and maintain wireless networks in the workplace.
CWNP describes this credential as a foundational-level career certification for networkers, and it acts as a gateway to more senior credentials. These include the Certified Wireless Security Professional (CWSP), Certified Wireless Analysis Professional (CWAP) and the Certified Wireless Design Professional (CWDP).
The current test for the CWNA is CWNA-107, which is available at Pearson VUE testing centers. courses covered include basic RF technologies; regulations and standards; protocols and devices; network implementation; network security; RF site survey; antenna concepts; 802.11 network architecture; wireless LAN hardware and software; along with network design, installation and management, troubleshooting, and site surveys.
The CWNA is good for three years, after which candidates must recertify. Recertification is straightforward: Candidates need only pass the current CWNA test or any CWNP professional exam, including CWAP, CWDP or CWSP. To stay current, a recertification test must be passed before your existing CWNA certification expires.
The CWNA is probably the most worthwhile and useful wireless networking credential for administrators, thanks to its vendor-agnostic approach to wireless technologies. Unless you’re firmly ensconced in some vendor’s wireless tool and technologies – most notably, Cisco’s, from the perspective of this article – the CWNA is the place to start.
<table”> Certification Name <td”>Certified Wireless Network Administrator (CWNA) Prerequisites/Required Courses None
Recommended: Certified Wireless Specialist (CWS) and Certified Wireless Technician (CWT)
Number of Exams One exam, CWNA-107 (60 multiple-choice questions, 90 minutes, passing score of 70 percent required; instructor candidates must earn 80 percent) Cost per test $200. test administered by Pearson VUE. URL www.cwnp.com/certifications/cwna Self-Study Materials CWNP offers numerous training opportunities, including exam objectives, books, white papers and more (list and links appear on the certification page), the official study guide ($74.99), CWNA Training ($2,495), and the CWNA Self-Paced Training Kit ($325).
Another part of CWNP’s certification program, the Certified Wireless Security Professional (CWSP) targets security professionals working with wireless LAN networks. The CWSP validates a candidate’s ability to assess network vulnerability, employ best practices, make recommendations to prevent security breaches and attacks, conduct WLAN security audits, monitor security compliance, design and architect network security, and implement Wireless Intrusion Prevention Systems (WISPS).
To earn the CWSP, candidates must first obtain the CWNA certification and then pass the CWSP exam. While not required, training is recommended. The CWSP serves as a steppingstone to the more advanced Certified Wireless Network Expert (CWNE) credential. The CWSP credential is valid for three years. To recertify, certification holders must possess a current CWNA and pass the then-current CWSP exam.
|Certification Name||Certified Wireless Security Professional (CWSP)|
|Prerequisites/Required Courses||Valid CWNA|
|Number of Exams||One exam, CWSP-206 (90 minutes, 60 questions)|
|Cost per Exam||$275|
|Self-Study Materials||CWNP offers numerous training opportunities, including exam objectives, books, white papers and more (list and links appear on the certification page). From the CWNP Store, you can purchase a study guide ($74.99), an e-learning bundle ($905), practice test ($125), self-paced training kit ($395) and more.|
While not a part of the leaderboard, the Certified Wireless Design Professional (CWDP) and the SANS GAWN certifications (the GIAC Assessing and Auditing Wireless Networks) are worthy credentials to add to your certification portfolio. In addition to CWNP’s Certified Wireless Network Administrator (CWNA) and Certified Wireless Security Professional (CWSP), we’d be remiss if we didn’t mention CWNP’s other wireless certifications: the Certified Wireless Design Professional (CWDP), Certified Wireless Analysis Professional (CWAP) and Certified Wireless Network Expert (CWNE). Together, these certifications provide CWNP with a powerful wireless certification portfolio.
Other vendor-neutral wireless certifications worthy of mention include the iNARTE Wireless Device Certification Professional (WCDP).
Several industry players also offer wireless certifications, including Alcatel-Lucent (now part of Nokia), Extreme Networks, HPE and others. For those wishing to specialize in vendor platforms (such as Alcatel-Lucent, Extreme Networks, etc.), vendor-sponsored programs are the ticket to recognition and specific jobs. IT professionals working with Cisco will (of course) want to take a closer look at the creme de la creme of the Cisco certification tier, the Cisco Certified Internetwork Expert Wireless (CCIE Wireless). As with the CCNA Wireless and CCNP Wireless, Cisco released a new CCIE credential – CCIE Enterprise Wireless – on February 24, 2020.
For those interested in specific areas of wireless technology – particularly security – numerous other options also present themselves, depending on the person seeking other credentials that bear on wireless networking, either broadly or narrowly.
ISA offers a variety of resources to help you prepare for the Certified Automation Professional (CAP®) exam.
A Guide to the Automation Body of Knowledge is the primary text resource for the CAP test and provides a complete overview of all technical topics. Order the Guide to the Automation Body of Knowledge.
The CAP Study Guide is a comprehensive self-study resource that contains a list of the CAP domains and tasks, 75 review Q&A 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.
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.
Questions on the test 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 test 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 test question item bank and serve as examples of the question type and question content found on the CAP exam.
|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|
Last Spring, I had a chat with a journalist from one of our competitors who had been/is taking adviser qualifications.
I found her efforts admirable and this conversation really gave me food for thought.
In the next few months, I mulled over the idea of preparing for a professional certification myself and shopped around, because there are plenty of professional bodies and exams out there.
I wanted something that would interest me but also be useful at the same time. Therefore, it would have to be a certification in investment.
I first considered the CFA Level 1 as it was the investment qualification I had heard the most about.
However, the fees ($900 to $1,200) and the low pass rate (37%) had the effect of a repellent on me. I thought it was not reasonable to spend that much money for something that would in all likelihood end up being a complete disaster.
You may call me pessimistic, I will answer that I am just not self-delusional. If even financial professionals find it hard, my chances were close to none and the technical level is probably way above what a financial journalist needs.
I had a look at the other programmes listed on the CFA’s website and came across the Investment Management Certificate (IMC).
After further research, I had made my decision. This was the right certification for me in many regards.
It aims to provide the foundations in investment management and acquiring the baseline knowledge. It is all I need for now.
Also, while the CFA is not related at all to financial advice (from what I know), the IMC does look into this profession, albeit superficially (it is primarily aimed at investment managers rather than financial advisers). As a result, it still had some relevance to my job.
Last but not least, the IMC is relatively UK-focused in comparison to the CFA which is global in its nature. As I am not a complete stranger to the UK financial industry, that would play in my favour.
I have not completely abandoned the idea of sitting the CFA Level 1 one day. Life is still long (hopefully) and the IMC will enable me to test the water. If I cannot complete it, then the CFA Level 1 is completely out of reach.
As soon as I moved house to a more comfortable and quiet place, there was no excuse and I had to walk the talk.
At the time of writing, I have just passed the first unit ‘The Investment Environment’.
I will not deny it, it is a great relief, but I am only halfway there. I will need to successfully pass unit 2 ‘The Investment Practice’ to complete the certification.
In short, it is half time, I am leading 1-0, but there are 45 further minutes to play.
What was on the menu?
For those who are not familiar with the IMC, the first unit is structured in six chapters: 1- Financial markets and institutions, 2- Ethics and investment professionalism, 3- The regulation of financial markets and institutions, 4- Legal concepts, 5- Client advice, 6- Taxation in the UK.
‘The regulation of financial markets and institutions’ is arguably the most important chapter and is also by a far and wide the longest one. Of the 85 questions at the exam, between 25 to 35 will be allocated to this chapter.
Luckily, it was no terra incognita for me as it extensively deals with the role, status and powers of a very familiar organisation: The Financial Conduct Authority.
While working at Money Marketing certainly facilitated the study of this chapter, I still had to digest extensive extracts from the FCA Handbook.
The chapter also covers, albeit in a much more concise manner, the rest of the UK regulatory bodies.
Some were totally unknown to me such as the Panel of Takeovers and Mergers and the Competition and Markets Authority.
Others sounded familiar, but I did not know what their role was prior to my study. That would include the Prudential Regulation Authority (PRA) or The Financial Policy Committee.
The difficulty of this chapter was definitely its length and the importance of the information it contains. Almost every single line is crucial and there is no other way than learning by heart.
Some questions in the test simply test the knowledge of the regulatory principles but others require one to apply those same principles in case studies.
It means learning everything verbatim is not enough, you also have to understand what you are learning.
The second and fourth chapters also involve learning the material by heart, but they are thankfully much more succinct.
The first chapter was probably the most destabilising one to me. It smoothly starts with an introduction explaining how the financial system works, who the different actors are and how money circulates between them.
It then abruptly delves into a world that was completely unknown to me: investment exchanges and their infrastructures.
It required a lot of back and forth between Investopedia and the study book to understand what things such as central counterparties, market makers, clearing houses, SETS, SETSqx, bid-ask spread were.
Chapter 5 was the sunshine after the rain. It purely focuses on investment, which was the reason why I chose to study for the IMC in the first place.
It gives a description of the different categories (and sub-categories) of clients and asset classes.
There is also a limited (but interesting) financial advice piece. It includes among others fact find, establishing investment objectives and how to allocate a portfolio based on those objectives.
The chapter also looks into the asset allocation in different types of pension funds, general insurance and life insurance.
I really enjoyed the strategical dimension in this chapter. It was, at least to me, more stimulating than regulations and it also means that I did not need to review this chapter very often.
But against my initial expectations, chapter 6 is the one I preferred.
As it deals with UK taxation, I feared it would be incommensurably dull, but there was also this strategical dimension that made this chapter as stimulating as the previous one.
Obviously, you have first to learn all the UK taxes that are relevant in an investment context, but once it is done, that is when it becomes interesting.
First of all, you have to learn all the computations to calculate those taxes but also strategies to mitigate them.
Maybe tax planning was my true calling, who knows?
How I prepared
I had a lot of apprehension while preparing for this exam. Of course, I have sat exams in an academic context before, but professional exams were something new to me. I did not know what to expect.
Also, I had to deal with a time constraint. The study material is renewed every 1 December and I started in late August, which means I had to successfully pass the test for this unit 1 before 30 November. I was not too eager to start all over again almost from scratch and I am not sure my bank account would have liked me to pay the fee for a second attempt.
As a result, I followed the recommendations provided by CFA UK (the body organising the IMC) very scrupulously.
It advises at least 100 hours of study for unit 1. Since I am not a finance professional, I knew I would need more.
Therefore, I aimed for 100 hours just for what I called the “initial phase”, which was about 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 test to focus on my weaknesses.
On 28 October, the result was below the requirement threshold. While the recommendation is that you should score at least 75% at the mock exams, I only got 71% at the mock test I took immediately after completing this so-called initial phase.
But it was a good opportunity to identify my areas of weakness and the two final weeks were dedicated to remediate to those shortcomings.
I read over and over all the subchapters I had not well assimilated and practised the mock exams again and again until I scored above 90%. In total, I have spent around 150 hours to prepare for this exam.
That was sufficient this time around.
It was an interesting experience and I feel relieved my efforts bore fruit. I am not getting complacent though. I know I have only completed the easiest unit of a relatively “beginner-friendly” certification.
I have learnt plenty of things, some of which will, I hope, be useful in my work.
It also answered some questions I had been asking myself for a while. For example, I did not know much about the UK regulatory bodies beyond the FCA.
I guess I also now have a vague idea of what advising clients on investment requires and how to structure their portfolio (I am not saying I would know how to do it, I just roughly know how those things work).
The most immediate benefit I gained from this unit is a solid overview of the UK tax system. With the upcoming Autumn Statement, I hope to be able to make good use of what I have just learnt.
However, I do wonder what I will remember of it in say six month’s time. This is especially true of the contents that had no relevance or link to what I do in my everyday (all the things related to investment exchanges for example).
But I suppose, even pros do not retain everything they have learnt while studying for their certifications.
As I have not had any free evenings over the past few months, I will provide myself a break until December. Although I must say, it already feels strange not having to study after work. It just does not feel normal.
I look forward to start learning for unit 2. From the few I could see, it will be much more mathematical than unit 1. I hope time has not eroded my numeracy skills too much (I used to be an accountant a while ago).
Hopefully, this Weekend Essay will have a part II in a couple of months.
The exact test questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.
The questions were prepared for HSC and equivalent examinations.
In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.
People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.
Pointing to the 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.
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:
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.
The National Council of Examiners Administers Both Exams for Engineering and Surveying
Engineering students at Michigan Tech are encouraged to take and pass the FE examination during their last semester in college, or the first year after graduation. There will never be a time when you are better prepared to pass it than near graduation.
The examination is offered in April and October each year. Students must visit http://ncees.org/exams/ to register for the test and pay the $155.00 fee. The registration deadline is approximately two months before the test.
FE test Waiver
The FE Exam may be waived for those who have earned a BS in engineering and a PhD in engineering. See the NCEES web site for details.
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.
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.
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.
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).
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.
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.
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.
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.
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.
There is no application form for CAP certification. The process involves confirming that you meet the following requirements and then taking an exam.
Note: by paying the test fee, you are confirming that you are aware of, have met, and can document that you meet the requirements for the CAP certification.
Click the button below to add the test fee to your cart. After you complete your purchase and your payment has successfully processed, you will receive a payment confirmation email. Then, one month before your test window, you will receive an email with the test invitation and instructions for scheduling your exam.Pay Cap test Fee
You can take the CAP test online from your office or home if the testing environment meets the requirements and your computer meets specifications. You can also take the test at a Scantron test center. The CAP test has 150 multiple-choice questions and is four hours long. Learn more about Certification Exams and Testing.
We highly recommend taking the Certified Automation Professional (CAP) test Review Course (EC00). ISA has also developed an extensive library of training courses, study guides and publications that are built around the technologies and courses 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.
The aspects of automation covered on the CAP test reflect the tasks performed in the range of practice settings throughout the United States. Familiarity with the following standards and codes is recommended. obtain the Reference to Standards and Codes (PDF).
For International applicants, note that the validation study for the exams was done in the United States, so there may be questions on the test that reference US standards and codes.
BTS member Suga made waves on the internet after his name appeared in one of the questions of the Philippines bar examination.
On Sunday, the second day of the professional licensure examination for lawyers in the country, the 29-year-old rapper's real name, Min Yoongi, and his group were featured in question number 6 of the commercial law exam, Interkasyon reported.
"Yoongi, a director of BTS Corp. PH, bought substantial shares of its major supplier, Hybe, Inc. When Hybe, Inc.'s contracts were taken up by the BTS Corp. PH Board, Yoongi not only voted for their approval but influenced other directors to do so. Later, the Hybe, Inc. contracts turned out to be disadvantageous to BTS Corp. PH and caused it substantial losses," the question read, according to the outlet.
It continued, "Discuss the action/s that may be pursued against Yoongi under the Revised Corporation Code. Explain briefly."
University of Santo Tomas law professor Kenneth Manuel took to Twitter to share a screenshot of the question, which has now garnered a total of over 24,000 likes.
"I feel na tama talaga training ko sa mga students ko in making K-pop idols the characters in my exams. [I feel that it was right to train my students by making K-pop idols the characters in my exams]," Manuel tweeted.
BTS fans, also known as Army, expressed their excitement over Suga's surprise appearance in the exam.
"Still trying to wrap my head [around] it. It's not just an test from school. It's a BAR EXAM. A country's bar exam. Min Yoongi's impact lol," one Twitter user wrote.
"[Army] being in high positions and putting BTS' name in the last places you would expect will never stop being funny. Like imagine [you are] an Army taking the PH bar and you get to this question... I would think I was hallucinating like no way," another fan wrote.
Some fans recalled a 2014 incident at a fan event when a fan jokingly threatened to sue Suga for being attractive.
"The 'I will sue you Min Yoongi' has escalated to a whole new level," one fan tweeted, while another wrote, "There is literally no way the person who wrote this isn't so deep in Army lore that they know [sic] about 'I will sue you Min Yoongi.' No way."
"Case dismissed on account of Yoongi's incandescent smile having turned everyone present at the proceedings to mush," a third user joked.
Over 9,000 law school graduates in the Philippines are taking what has been regarded by some as among the hardest bar examinations in the world, with the third and final day commencing on Wednesday and Sunday, respectively, in 14 onsite examination centers across the country.
Meanwhile, the seven BTS members, Suga, RM, J-Hope, Jin, Jungkook, Jimin and V, are on hiatus as a group. They recently announced that they will enlist in South Korea's military as required by law, ending months of public debate about whether the group qualified for an exemption to mandatory conscription.
According to the group's label, BigHit Music, the members are expected to make a comeback as a group in 2025 after finishing their military service.
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