Exam Code: GLO_CWM_LEVEL_I Practice test 2023 by Killexams.com team
Chartered Wealth Manager (CWM) Global Examination
AAFM Examination test contents
Killexams : AAFM Examination test contents - BingNews https://killexams.com/pass4sure/exam-detail/GLO_CWM_LEVEL_I Search results Killexams : AAFM Examination test contents - BingNews https://killexams.com/pass4sure/exam-detail/GLO_CWM_LEVEL_I https://killexams.com/exam_list/AAFM 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 test 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 test were derived from the genuine 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.

  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 https://www.isa.org/certification/cap/prepare-for-the-cap-exam
Killexams : Examination information


Fall semester 2022 – Winter session 2022/23


  • Qualifying examinations for doctoral students do not have to be registered. They only have to be listed in resp. organized by using myStudies Functions ⇒ Qualifying Examinations.
    More information can be found on the page Qualifying exams.
  • During test registration you can allocate performance assessments to a certain CATEGORY of your study regulation. This allocation can still be changed after  the result of the performance assessment has been decreed. At the latest, prior to submitting your diploma request you have to bindingly assign all relevant categories to the respective performance assessments.


  • Starting Monday, 3 October until no later than Sunday, 16 October 2022 at midnight, you can register for all end-of-semester- and session exams through myStudies Functions ⇒ Examinations.
    This deadline applies for both session- and end-of-semester exams!
  • If you do not pass an end-of-semester exam and the examiner offers you the possibility to take a repeat test (see information on ‘performance assessments’ in the course catalogue), you can register for it between
    Monday, 30 January up to and including Sunday, 12 February 2023
    , at midnight.
    Please note that you will only be able to register for such a repeat test if the result of your first attempt has been decreed, i.e., is listed online in your ‘Transcript of Records’.
  • The closing dates are mandatory for everyone!
    Once the regular registration deadline has passed, it is no longer possible to register for examinations through myStudies.
    Such late registrations can only be accepted in well-founded cases and must be submitted by email.
  • Please note that we cannot assist you, should you miss the registration deadline because of encountered (computer-)problems on the last day resp. the weekend of the registration deadline.
    We therefore advise you to register for exams at the beginning of the registration phase if possible, so that any problems can be noticed at an early stage and a solution sought within the registration period with the Examination Office by e-mail or telephone.
  • Please visit the Examinations Office in person (desk opening hours: Mon - Fri, 11 a.m. - 1 p.m., HG F 18) only if this has previously been arranged.


For session- and end-of-semester examinations the following applies:
An test registration until the end of the fourth week of the semester (generally through myStudies or in case of problems by email to the Examinations Office) is free of charge.

Late registrations incur a late registration fee.

  • From the 5th week of the semester until the publication of the schedule of written examinations (approx. by the end of November 2022) a registration is only possible by email to the Examinations Office and costs CHF 50.--
  • After this date and until the belated registration deadline (see below), a late registration is only possible by email to the Examinations Office as well and costs CHF 90.--
  • For a late test registration, please send the filled out and signed registration form, which can be found in myStudies, by e-mail to . The Examinations Office will check whether a late registration is possible and, if so, will take care of it. You will then be sent an invoice for the payment of the late registration fee.

For late registrations the following deadlines apply. Please note that after the respective deadline has expired, a late registration will NOT be possible anymore. Therefore, please make sure by checking myStudies that you are registered for all exams you would like to take before the deadline expires:

  • Session Examinations
    • From the end of the registration phase (5th week of the semester) up to and including Sunday, 15 January 2023, at midnight, thus one week before the beginning of the examination session.
  • End-of-semester Examinations (regular term)
    • From the end of the registration period (5th week of the semester) up to and including Sunday, 11 December 2022, at midnight, thus two weeks before the end of the lecture period.
  • End-of-semester Examinations (repetition dates)
    • No late registration possible, as the registration and de-registration deadlines are the same here (Sunday, 12 February 2023, thus one week before the start of the spring semester 2023).


  • Please note, that you have no entitlement to take a session- or an end-of-semester examination without being registered for it.
    An examination taken without registration cannot be registered belatedly and is not valid.

    This rule also applies for semester performances accordingly, but only as long as there is an internal registration procedure (which is organized by the lecturer/s).


  • If you have a binding deadline in this semester and therefore either have to take the first-year examinations, pass your additional requirements or have to conclude your studies please make sure to register for all required examinations.

Do not send your registration form to the Examinations Office in vain. The most common cases are:

In the following cases a registration is not possible in myStudies:


  • The maximum number of session examinations that you can register for is limited to 11.
    This limitation became necessary in order to be able to ensure that students can take all registered examinations that are part of their respective curriculum.
    Exceptions to this rule can only be granted in well-founded cases. Such requests have to be handed in by email ( ) to the Examinations Office by no later than and including Sunday, 16 October 2022.  


  • Certain cases involving an test exemption or additional requirements must be processed by hand.
  • If you are repeating the first semester (enrolment in the first study semester), an online registration for first-year exams is not possible in myStudies. (This only applies to study programmes without split first-year exams.)
  • Course units that you enrolled in more than four semesters ago.
  • Special cases that have to be processed by hand.


  • In these cases you must fill out the REGISTRATION FORM that you can find in myStudies under “Registration for Examinations” and send it by email to the Examinations Office ( ) by no later than and including Sunday, 16 October 2022.
  • If you are asked by the Examinations Office to come in person, you will find it here:
    Examinations Office, ETH Main Building, Rämistrasse 101,
    HG F 18
  • When:
    Desk opening hours: Monday-Friday, 11 a.m. – 1 p.m.
    By phone: Monday-Friday, 9 a.m. - 11 a.m.

During the last week of the registration period we receive many e-mail inquiries. Please note that it may take longer until you receive your answer. In urgent cases, we advise you to contact the Examinations Office by telephone.


The examination schedules for session examinations will be published in three phases:

  • Approx. by the end of November 2022 the schedule of written session examinations will be published in myStudies. The Examinations Office will inform you by email as soon as it is available.
  • The schedule of oral session examinations will be visible in myStudies approx. just before Christmas 2022. (The dates of the exams will be indicated, but the time designation for oral exams will still be provisional.)

    As soon as the de-registration deadline has passed (Sunday, 15 January 2023, at midnight) the examination schedules of the examiners will be optimized in order to fill gaps that have occurred due to deregistrations of oral exams.
    The published examination dates are fixed – only the starting times of oral examinations might change within the days on which the exams will take place.

  • Your personal examination schedule (including dates, locations and definite time designations) will be available in myStudies shortly before the beginning of the examination session.


  • Those exams take place during the last two weeks of the lecture period or during the first two weeks of the semester break
    (12 December - 23 December 2022 and 9 January - 20 January 2023).
    They are organized by the lecturers resp. by the department responsible for the corresponding course unit. The lecturers enter the dates of the end-of-semester examinations continuously so that you can view the dates of the registered end-of-semester examinations in myStudies. As of 7 November 2022, dates of the end-of-semester examinations will be listed.
  • Repetitions of failed end-of-semester examinations are also organized by the responsible department and/or the lecturers.
    Those exams will take place during the first two weeks of the consecutive spring semester 2023
    (20 February - 4 March 2023).
    These test dates will also be listed in myStudies as of 6 February 2023.  
  • End-of-semester examinations:
    Until no later than Sunday, 11 December 2022, at midnight
  • Session examinations:
    Until no later than Sunday, 15 January 2023, at midnight
  • Repetition of end-of-semester exams:
    Until no later than Sunday, 12 February 2023, at midnight
  • Semester performances (graded and ungraded):
    Please follow the information given by the lecturers.
  • Continuous Performance Assessment:
    The information given by the lecturers in charge is crucial in this case as well.



  • Examinations that are part of an examination block must be taken in the same examination session.
    Because of this, an examination block can only be registered and deregistered as a whole.

    Exception: Examination blocks that had to be discontinued in the previous examination session due to compelling circumstances. In such cases, a registration is automatically processed for the next examination session.


  • The deregistration deadline has passed.
  • The first-year exams or an examination block were discontinued in the previous session.
  • The deadline for the first-year exams or for the final degree exams (which is not checked electronically!) will not be met.
  • There is a request for distance exams or for the preponement of exams.

Please contact the Examinations Office by email ( ) or by phone (+41 44 632 20 68 / Mon - Fri, 9 a.m. - 11 a.m.).



  • It is your personal responsibility to meet all study deadlines.

    If a study deadline is not met, a well-founded request for deregistering and for extending the examination deadline must be handed in along with the relevant documents, e.g., substantiated medical certificate.

    Requests for first-year examination deadline extensions
    have to be emailed ( ) to the Examinations Office (by the end of the fourth teaching week of the semester).

    Detailed information about study deadlines can be found here: Study terms

Tue, 18 Jan 2022 22:59:00 -0600 en text/html https://ethz.ch/students/en/studies/performance-assessments/examination-information.html
Killexams : Prepare for Exams

Links to annotated files are included next to the corresponding test below. Detailed solutions are provided directly in the files for National test Parts 2 and 3.

Detailed solutions are provided directly in the files for National test Parts 2 and 3.

Sat, 05 Nov 2022 04:23:00 -0500 en text/html https://www.acs.org/education/students/highschool/olympiad/prepare-for-exams.html Killexams : Student Procedures for Exams
Failure to Abide by Department Regulations (Exam Procedures)

Procedures for taking exams (whether during the semester or final exams) are established by professors and the Registrar’s Office. Each final test period the Registrar’s Office publishes the procedures for examinations.  Students are responsible for knowing and following these procedures. 

Breaches of examination procedures include, but are not limited to:

  1. Bringing a cell phone, ipad/tablet/laptop, or any device with internet connection into an test room.
  2. Exceeding the time permitted on the test (i.e. turning the test in past the end of the test period).
  3. Communication of any kind in the examination room.
  4. Taking a special examination in a non-designated room or taking a regular examination in a special writing room.
  5. Leaving the designated test areas or leaving the building before the completed test has been returned to the Exam Center proctor.
  6. Bringing outside materials, including calculators, into test rooms. Exams with special permissions (i.e. use of a calculator) must be taken in the designated special writing test rooms.  The calculator may not be an internet connected device (i.e. smartphone).
  7. Excessive noise within the examination center.
  8. Using substances in an examination room.

The following pledge must be written and signed on every test before it is handed in for grading:

“I promise neither to deliver nor receive any aid on this examination.”

Students must complete final examinations in designated rooms, unless otherwise specified by the professor.  The test (both questions and answers) must be returned to the Exam Center staff, sealed in the envelope with the Honor Pledge signed.

The Honor Code applies to all students enrolled at the College.

Additional information about taking exams at Connecticut College can be found here

Self-Scheduled test Procedures

  1. The instructor supplies an examination for each student enrolled for credit. The examination must display the student's name, course number and instructor's name.
  2. To receive an examination, the student appears at the appropriate test center, fills out a request slip and provides identification (license with photo or other picture ID required).
  3. Except for special examinations (exam printed on colored paper, or have a colored sheet of paper as the cover sheet) which must be written in designated rooms, the student selects a writing room in the building in which the test was distributed and may not leave the building until the completed examination has been returned to the Exam Center proctor. Cell phones, ipads/tablets/laptops, or any devices with internet connection are never permitted in any test rooms.
  4. No outside materials, including calculators, are permitted, except for special examinations where the material is explicitly indicated. The exams which allow materials and/or calculators must be taken in the Special Writing Rooms (exams are printed on colored paper, or have a colored sheet of paper as the cover sheet). As a reminder, cell phones, ipads/tablets/laptops, or any devices with internet connection are never permitted in any test rooms.
  5. All exams must be returned to the test proctor at the end of the official writing time (noon for morning sessions, 5 p.m. for afternoon sessions and 10 p.m. for eventing sessions).  The test centers open 20 minutes before each test session. The test writing time is three hours. If you pick up an test early, it must be returned early (a student may not have an test in his/her possession for more than three hours). Picking up an exam after the start of an examination session (9 a.m., 2 p.m. or 7 p.m.) does not extend the end of the test session.
  6. Students must sign the honor pledge on the test envelope. When the examination has been completed, the examination sheet or test booklet and blue book(s) used must be placed in the envelope provided. The envelope must be sealed, and the identifying information supplied on the front.  The envelope is returned to the test proctor, who will provide a receipt.


  • You may not leave the building with an exam
  • Return all test materials to the test proctor
  • All exams MUST be returned no later than noon, 5 p.m. or 10 p.m. in order to be in compliance with test procedures
  • Cell phones, ipads/tablets/laptops, or any devices with internet connection are never permitted in any test rooms.

Please be aware of the following end-of-semester reminders: 


To negotiate an incomplete (deadline is 12:00 noon on Wednesday, May 18), see the instructor and your dean.  Incomplete forms are available from the Deans Office.   


Please pay all of your bills prior to leaving campus.  Under College policy, unpaid bills will result in a Transcript Hold which will delay the processing of transcript requests.

Leave/Other Departures

Degree-seeking undergraduate students who do not expect to be enrolled in the College for the following semester are reminded that the appropriate leave forms should be filed with the Dean of the College.  Filing the form will prevent you from receiving bills for next semester, allow the college to reallocate residential space, and open course seats to others.

Sun, 21 Sep 2014 10:23:00 -0500 en text/html https://www.conncoll.edu/academics/registrar/final-exams/student-procedures-for-exams/
Killexams : Final Examinations

Final Assignments/Examinations

**Masking Requirements: Masks are required in all test centers and test classrooms**

All courses require a final paper, final project, final exam, or other equivalent final piece of work. At least one portion of this assignment must be due during the examination period. It is preferred that papers or other take-home assignments are due at the end of the examination period.

The instructor is responsible for administering and/or collecting materials for take-home examinations, papers in lieu of examinations, or other equivalent work. Final test equivalents should not be given during the last week of classes or on a review day.

In courses for which there is a pedagogical need for a single examination period, instructors may pre-schedule their examinations through the Registrar's Office. The instructor is responsible for proctoring the exam.

If a take home examination, an equivalent project/work, or a scheduled examination will not be offered, instructors must make arrangements for self-scheduled exams.  

Students should direct questions regarding final assignments or examinations to their class dean. 

Student Procedures for Exams

The Honor Code

Self-Scheduled Exams

Scheduled Exams

Exam Information for Faculty

Sat, 15 Aug 2020 20:21:00 -0500 en text/html https://www.conncoll.edu/academics/registrar/final-exams/
Killexams : The CPA Exam: What You Need to Know

So you’ve decided you want to become a certified public accountant (CPA). If you've taken all the undergraduate and graduate-level classes in accounting, business law, and general studies that your state requires, and have logged some work experienced (as required in all but a few states), you’re ready to take the Uniform CPA Examination. This is a substantial undertaking. Let’s review what’s involved.

Key Takeaways

  • The CPA test consists of four sections: Financial Accounting and Reporting (FAR), Auditing and Attestation (AUD), Regulation (REG), and Business Environment and Concepts (BEC).
  • Candidates have up to four hours to complete each test section; test sections can be taken individually and candidates must pass all four sections within 18 months.
  • The computer-based CPA test has three written communication tasks, 276 multiple-choice questions, and 28 task-based simulations.
  • Each section of the test is graded on a scale of zero to 99; the minimum passing score is 75.

CPA test Structure

The CPA test has 276 multiple-choice questions, 28 task-based simulations, and three writing portions. These are divided into four main sections: 

  • Auditing and Attestation (AUD)
  • Financial Accounting and Reporting (FAR)
  • Regulation (REG)
  • Business Environment and Concepts (BEC)

Candidates have four hours to complete each section, with a total test time of 16 hours. Each section is taken individually, and candidates can choose the order in which they take them. Candidates must pass all four sections of the test within 18 months. The beginning of the 18-month time frame varies by jurisdiction.

Test Scoring

The American Institute of Certified Public Accountants (AICPA) develops and scores the test, grading each part on a scale of zero to 99. You must score at least 75 to pass each section. For the AUD, FAR, and REG sections, your total score is a weighted combination of scaled scores from multiple-choice questions and task-based simulations. Multiple-choice questions count for 50% of the total score and tasked-based simulations count for the other 50%.

Your total score for the BEC section is a weighted combination of scaled scores from multiple-choice questions, task-based simulations, and written communication tasks. Multiple-choice questions count for 50% of the total score, tasked-based simulations count for 35%, and written communication tasks count for 15%.

The test sections employ multi-stage testlets for the multiple-choice questions. The first testlet is always of moderate difficulty. Depending on your performance, the next testlet will be of the same level or slightly more difficult.

Let's look at what each section covers.

Financial Accounting and Reporting

The FAR section tests knowledge and understanding of the financial reporting framework used by business enterprises, not-for-profit organizations, and government entities. It includes 66 multiple-choice questions as well as eight task-based simulations that use real-life work situations to test your skill.

This section deals with standards for financial statements, what needs to be included in statements, and how to account and report for government agencies, non-profits, and other types of organizations. Test takers are expected to prepare financial statements, including balance sheets, income statements, statements of retained earnings, equity, comprehensive income, and cash flows. They also must review source documents and enter data into subsidiary and general ledgers.

Test takers must show they understand the process by which accounting standards are set and the roles of various governmental and industry groups such as the U.S. Securities and Exchange Commission (SEC), the Financial Accounting Standards Board (FASB), the International Accounting Standards Board (IASB), and the Governmental Accounting Standards Board (GASB).

For most people, FAR is the toughest section of the overall CPA exam. You have up to four hours to take it.

Auditing and Attestation

The AUD section is a bit easier, especially if you’ve tackled FAR first. It has 72 multiple-choice questions and eight task-based simulations. It covers the planning and reviewing of engagements, internal controls, obtaining and documenting information, and communications preparation.

As with FAR, test-takers need to demonstrate knowledge of international accounting standards, in particular, the difference between International Standards on Auditing (ISAs) and U.S. auditing standards. They must identify situations that might be unethical or a violation of professional standards and determine the appropriate action to these situations. In addition, they must identify key risks in a financial information technology environment.

AUD also covers standards for preparing reports on audited financial statements, government auditing standards, compliance with laws, regulations, and internal control, along with other communication standards accountants must know. This section will also test your knowledge of the ethics and independence required by the AICPA, the Sarbanes-Oxley Act of 2002, the Government Accountability Office, and the Department of Labor.


The REG section covers ethics and professional responsibility, business law, tax procedures and accounting, and federal taxation for individuals, entities, and property transactions. This section has 76 multiple-choice questions and eight task-based simulations.

Test-takers must show that they understand the professional and legal responsibilities of certified public accountants, as well as the legal implications of business transactions as they relate to accounting, auditing, and financial reporting. This section deals with federal and widely adopted state laws. You must show you understand the rights, duties, and liabilities of debtors, creditors, and guarantors as well as the audit and appeals process employed by the Internal Revenue Service (IRS). This section also covers the alternative minimum tax and both estate and gift taxation.

Business Environment and Concepts

BEC is arguably the easiest section, and most candidates pass it on their first attempt. The BEC section has 62 multiple-choice questions, four task-based simulations, and three written communication tasks, wherein test takers must respond in a letter or memo format to a work scenario. This is used to assess candidates’ writing skills as well as their organization, clarity, and conciseness.

This section addresses business structures, economic concepts, financial management, and information technology. You must show you understand corporate governance, financial risk management, financial management processes, strategic planning, and operations management. This section also tests your understanding of the economic concepts of global business and how they impact an entity’s business strategy.

Test-takers are called to assess the impact of business cycles on an entity’s operations and evaluate operations and quality control initiatives to measure and manage performance and costs. 

Expect to be tested on the rights, duties, and ethics of an entity’s board of directors, officers, and other employees. Questions will also cover information systems and technology risks, the Committee of Sponsoring Organizations of the Treadway Commission (COSO), as well as corporate responsibility and financial disclosures necessitated by the Sarbanes-Oxley Act of 2002.

The Bottom Line

Even without the required schooling and work experience, CPA test takers have their work cut out for them. But the reward is a respected professional designation that most often comes with a significantly higher rate of pay. To deliver yourself the best chance possible when taking the exam, taking one of the best CPA prep courses might be worth considering.

Tue, 18 Oct 2022 14:41:00 -0500 en text/html https://www.investopedia.com/articles/investing/111214/cpa-exam-what-you-need-know.asp
Killexams : Why are life insurance medical exams required?
Senior adult man at medical appointment
Many life insurance companies will want the results of a medical test before approving your application. Getty Images

Life insurance provides economic security for you and your loved ones in the event of your death. By making a payment to the insurance company each month, depending on your billing schedule, you can ensure that your beneficiaries will receive compensation. 

While putting a life insurance policy into place (and maintaining it) is relatively simple, there are some important steps you will need to take to finalize the plan. For example, a medical examination may be required. While not always mandatory, many insurance companies will want to have the results of an test reviewed before signing off on your plan. 

If you're currently in the market for life insurance, or just want to increase the coverage you already have, now is a good time to do so. You can start by getting a quote today.

It's important to understand how to prepare properly to obtain the life insurance policy you desire. Read on to learn more.

Why are life insurance medical exams required?

Medical exams are conducted by life insurance companies to ensure they have an accurate picture of who they're insuring (and for how much). It's easy to lie or exaggerate about your health and well-being when applying for a policy. But the company won't just take your word for it and let you automatically pay lower premiums. They'll want to confirm your health status. This will likely be done in two ways:

  • A questionnaire (online or paper): This is where you will answer some basic questions including your age, height, sex, weight, etc. You'll be asked if you smoke or previously did. You'll likely be asked about your alcohol consumption, if you're on any medicine and if you have any allergies. Be honest when answering because the company will determine the truth when they complete the in-person medical exam.
  • Physical exam: This is done at no cost to the applicant. It's completed either in an office or the insurance company can send a representative to your home to complete it. If you've had your annual wellness visit with your primary care physician then you already know what to expect. You will have to step on a scale to check your weight. They'll check your blood pressure. They'll ask additional questions not addressed in the questionnaire. You'll also need to provide blood and urine samples. It should be relatively quick (think under 30 minutes).

You likely won't get immediate approval or rejection on the spot. The results of the test need to be returned to the insurance company for that to happen.

If you're ready to start a new policy or want to supplement the life insurance you already have, speak to a provider and get a price estimate.

Can I get a life insurance policy without a medical exam?

If you don't want to take a medical test to get life insurance, you don't necessarily need to. Some providers may not require one. You can explore those right now and expedite the approval process. 

Here are some common reasons why you may not have to get a medical test for life insurance:

  • You're young: If you're under 30 and healthy. 
  • You want basic coverage: If you're not seeking a particularly high amount of coverage you may not have to take an exam. 
  • Someone else is insuring you: This would be applicable when being added to a relative's supplemental life insurance.

It's important to note that these guidelines don't apply across providers. The necessity of a medical test is specific to all of the above factors - and the provider you are submitting an application with. 

The insurance you would get without submitting to an test is different than the traditional types you may receive should you agree to the standard vetting process. That doesn't mean one type is better than the other, but it's something to be aware of.

No-exam life insurance policies, for instance, are popular if you fall into one or more of the above categories. This type of coverage is guaranteed and is easier to finalize since you're not taking an exam. 

Despite its benefits, however, this insurance type also has some drawbacks. For example, the death benefit may be limited. It also may come with higher monthly premiums than other, more traditional insurance types. This is because the insurer has no real record of your medical history or health status and is therefore taking on additional risk by approving you for coverage. 

When determining whether a medical test is needed - and what kind of protection you can apply for - it's best to go directly to the provider to review your options.

Factors that affect life insurance rates

If you're well then a medical test can help ensure that you pay a low rate for life insurance coverage. Conversely, if you're unhealthy the test will demonstrate this, likely leading to a more substantial cost. But your performance on a medical exam, should you choose to take one, is only one factor that affects life insurance rates. Here are a few others to know:

  • Age: The younger you are, the less you'll typically have to pay. As you age, the rate will rise.
  • Gender: It may seem unfair for one sex to pay more but, statistically, women live longer than men. Since men often (but not always) die at an earlier age than women, they can expect to pay more for their life insurance coverage.
  • Policy type: The type of life insurance you choose (and are eligible for) will influence your rate. Term life insurance is generally cheaper but whole life insurance policies have cash options that may be appealing to you, depending on your circumstances and goals.
Wed, 18 Jan 2023 03:05:00 -0600 en-US text/html https://www.cbsnews.com/news/life-insurance-medical-exams/
Killexams : test preparation in a group

In our intensive and evening courses, which run over the course of several weeks and build upon one another, you can systematically work towards achieving a certain language level. The course content of the individual sub-levels is designed such that, by combining the applicable courses, the learning goals of a complete level are covered.

The difference is that our one-week Exam preparation in a group course focuses on targeted preparation for your German exam.

Book an test preparation in a group course here

Yes, once you have completed the Exam preparation in a group course, you receive a certificate of attendance.

Book an test preparation in a group course here

Yes, to attend an Exam preparation in a group course, you need previous knowledge of German to the level of the applicable course. This means, to do the Exam preparation in a group at level B1, you will need knowledge of German at level B1. To do the Exam preparation in a group at level B2, you will need knowledge of German at level B2. To do the Exam preparation in a group at level C1, you will need knowledge of German at level C1. To do the Exam preparation in a group at level C2, you will need knowledge of German at level C2.

Book an test preparation in a group course here

One-week Exam preparation in a group costs EUR 369.

Book an test preparation in a group course here

Fri, 27 Nov 2020 06:39:00 -0600 en text/html https://www.goethe.de/ins/de/en/kur/ang/exm.html
Killexams : ChatGPT took an MBA exam. Here's how it did
Image: Getty Images/iStockphoto

A professor at Wharton, University of Pennsylvania has given a theoretical B-grade pass to ChatGPT after marking the answers it generated for a final test in a typical MBA course. 

Christian Terwiesch, a professor of operations management at Wharton, said ChatGPT does an "amazing job at basic operations management and process analysis questions." 

"Not only are the answers correct, but the explanations are excellent," he writes in a new white paper

Also: How to get started using ChatGPT

But he added the chatbot makes "surprising mistakes in relatively simple calculations at the level of 6th grade Math," and that it currently can't handle more advanced process analysis questions. On the other hand, the current version of ChatGPT can modify its answers in response to human hints to arrive at the correct solution.

"Considering this performance, Chat GPT3 would have received a B to B- grade on the exam," writes Terwiesch. 

Several of Terwiesch's questions aimed to test whether ChatGPT could identify a bottleneck in a processing operation with multiple machines that have different throughput capacities.  

ChatGPT, however, "made a significant mistake of a massive magnitude" when calculating with medium level arithmetic. 

Interestingly, ChatGPT initially incorrectly answered one of Terwiesch's question regarding queuing analysis. He prompted it with a hint for a better answer and ChatGPT improved its answer. The following day, the professor asked it the same initial queuing question without the hint -- and ChatGPT answered correctly on its first attempt.    

"It either is capable of learning from past feedback or I just got lucky," he notes, adding that there seemed to be some randomness in the quality of its answers. 

Terwiesch also found ChatGPT was able to formulate clever and humorous questions that he could use in future exams. However, the chatbot also introduced subtle flaws in some questions that made them impossible to answer. 

Also: ChatGPT 'lacked depth and insight,' say prestigious science journal editors

Terwiesch warns others to be mindful of ChatGPT's capabilities and limitations. He says he "fell in love" with ChatGPT after practicing its answer to his first question, but warns it "made major mistakes in some fairly simple situations."  

"We are still far from an A+ for complex problems and we still need a human in the loop," he writes. 

"In my view of education, an elementary school student still needs to learn that 7 x 7 = 49 and that the capital of Pennsylvania is Harrisburg, even though calculators have been widely used for over 50 years and students can use Google Wikipedia to find answers for most factual questions. It is the nature of foundational skills that they are required to comprehend more advanced topics."

Terwiesch agrees that educators should be concerned that K-12 students might use ChatGPT to cheat on assignments and exams. For example, New York City Department of Education recently banned the chatbot because reliable tests are important in teaching, while skill certification shouldn't be compromised because of new technology. A student using ChatGPT is like being able to call a friend with "average academic competence" to complete the test for them, he notes.   

But he also argues ChatGPT and similar technologies have the ability to play the role of a "smart consultant" -- one who produces elegant but oftentimes wrong answers, which he believes is the "perfect training ground" for developing skills among MBA students who need to critically evaluate suggested alternatives. 

Mon, 23 Jan 2023 10:01:00 -0600 en text/html https://www.zdnet.com/article/chatgpt-took-an-mba-exam-heres-how-it-did/
Killexams : NextGen Bar Exam: What to Know Focused young Asian woman  practicing book and making notes at home, concentrates on her studies. Further education concept © (Getty Images) Focused young Asian woman practicing book and making notes at home, concentrates on her studies. Further education concept

Similar to licensure exams for doctors, certified public accountants, nurses and pilots, the purpose of the bar test is to ensure that law school graduates are prepared to competently and ethically serve the public.

"It's basically public protection and some sort of stamp of approval, if you will, for the public," says Judith A. Gundersen, CEO and president of the not-for-profit National Conference of Bar Examiners, which develops bar test content for 54 U.S. jurisdictions. "So the public can have confidence in a professional's proven ability to show proficiency to represent them."

For decades, there has been debate about whether the current bar test – which relies heavily on memorization – actually measures competency for legal practice, says Marsha Griggs, associate professor of law and director of academic enrichment and bar passage at Washburn University School of Law in Kansas.

In 2018, the NCBE's board of trustees decided it was time to reevaluate the test, prompting development of the next generation of the bar exam. As part of the multiyear project, the board used focus groups and conversations with stakeholders to analyze the knowledge lawyers needed to successfully represent their clients, Gundersen says. This information was used to make changes to the current bar exam.

"For a lot of our clients, the work we do as lawyers is life or death," says Hemanth C. Gundavaram, associate dean for experiential education at Northeastern University School of Law in Massachusetts and a volunteer for the development of NextGen content. "Whether your business stays open, whether you stay out of prison or whether you aren't deported, there's so many ways in which the work we do is so important. When I think of it that way, and tell students that, I think it's an important thing to remember of why we have an entrance exam."

Here's what incoming law school students should know about the NextGen bar exam.

NextGen Bar test vs. Current Bar Exam

Compared to the current bar exam, the legal concepts and principles – including civil procedure, contract law, evidence, torts, business associations, constitutional law, criminal law and real property – will stay largely the same. The NextGen test will not test subjects related to conflict of laws, family law, trusts and estates, or secured transactions. The difference is mostly in test structure.

The current bar test has three sections consisting of 200 multiple-choice, essay and performance test questions. But in the NextGen exam, test-takers will instead be given scenarios that have elements of different knowledge areas and skills. Multiple-choice, short-answer and essay questions are then tied to those scenarios.

Overall, the NextGen bar test is more skills-based than reliant on memorization, which was a major point of stress for test-takers, experts say.

"I remember for me, that was one of the hardest parts of the exam," says Gundavaram, who is also director of legal clinics and co-founder and director of Northeastern's Immigrant Justice Clinic. "I don't have a great memory. I think I'm a great lawyer and I don't think you need to have a photographic memory to be a good lawyer."

Another challenge with the current test is length – it's typically 12 hours, spread over two days. The goal is for the NextGen bar test to be shorter and to ensure that test-takers have access to accommodations, if needed, Gundersen says.

The cost of taking the bar test varies per jurisdiction and can often be a barrier for test-takers. NCBE officials have not stated the cost of the new exam, but say they are committed to keeping it "affordable for all."

Additionally, the new test will be completely computer-based, eliminating the current paper question booklet.

When Will NextGen Be Administered?

The Supreme Court or highest court in each jurisdiction will decide whether to adopt the NextGen exam, which can be administered as early as July 2026 following pilot testing and tweaks, according to the NCBE.

During the phased rollout, both the current and NextGen exams will be administered. And like the current bar, NextGen will be administered twice a year, in February and July.

Effect on Current Law School Curricula

Jon J. Lee, an associate professor of law at the University of Oklahoma College of Law and another volunteer for the development of NextGen content, says the changes will free up time for law schools to focus on skills courses because "currently there is a lot of doctrine that students must know for the bar exam."

"Some schools, at least, feel as though they need to cover all of that in their coursework," he says. "And so with this change, this is an opportunity for law schools to think critically about the curriculum."

There may be slight adjustments, but full curricular changes may not be necessary because most of the same Topic knowledge is required, says Marilyn Wellington, chief strategy and operations officer at NCBE.

If curricular adjustments are needed, however, Griggs emphasizes that they should start with the 2023 incoming class, since those students would be the first graduates to take the new exam.

"The NCBE hasn't fully informed us on what this test will entail. And I understand they are in their process of testing and vetting it," she says. "So I'm sure they will once they have the information ready. ... We have been trying to impress upon the NCBE the urgency of ... giving us this information now so that we can make informed decisions for the benefit of students."

Searching for a law school? Get our complete rankings of Best Law Schools.

Copyright 2023 U.S. News & World Report

Wed, 15 Feb 2023 03:53:00 -0600 en-US text/html https://www.msn.com/en-us/money/careersandeducation/nextgen-bar-exam-what-to-know/ar-AA17wIaj
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