HPE2-T37 Latest Questions is eventually necessary for actual exam

We are doing a great fight to give you genuine Using HPE OneView test questions and even answers, close by simple explanations. Each HPE2-T37 problem on killexams.com has been accredited by HP Certified Pros. They are extraordinarily qualified and HPE2-T37 accredited individuals, who include various occasions involving master face relevant to the HPE2-T37 test. memorizing our true questions is satisfactory to pass HPE2-T37 test with good represents.

Exam Code: HPE2-T37 Practice exam 2022 by Killexams.com team
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Killexams : HP OneView exam - BingNews https://killexams.com/pass4sure/exam-detail/HPE2-T37 Search results Killexams : HP OneView exam - BingNews https://killexams.com/pass4sure/exam-detail/HPE2-T37 https://killexams.com/exam_list/HP Killexams : HP Board exam 2022: HPBOSE Commence Class 3 and 5 exams today, Check Date Sheet Here

HP Board Class 3 and 5 Exams begin from today onwards. Candidates appearing for the Class 3 and 5 exams can check here the examination datesheet and other details. The exams will conclude on December 5, 2022.

HP Board Class 3 and 5 exam 2022
HP Board Class 3 and 5 exam 2022

HP Board Exam: The Himachal Pradesh (HP) board has commenced the winter examination for Class 3rd and 5th students from today- November 28. Earlier, the class 8th exams were also scheduled to be conducted from November 28. However, they have been postponed to December 1. The exam is being conducted from 9:45 am to 1:00 pm. Students appearing must report to the examination hall without any delay.

As per the official schedule, Class 3rd and 5th exams begin on November 28 and will continue till December 8, 2022. Class 3rd students will appear for maths whereas class 5th students for their English exam today. The examination dates for both the classes are same. The dates for class 8th exams have been revised recently. As per the updated schedule, class 8th exams will begin on December 1 instead of November 28. However, their last exam is scheduled for December 9, 2022.

HP Board exam Class 3 Date Sheet

Subject Name

Date

Maths

November 28, 2022,

Environmental Science (EVS)

November 30, 2022,

Hindi

December 2, 2022,

English

December 5, 2022

HP Board exam Class 5th Date Sheet

Subject Name

Date

English

November 28, 2022

Hindi

November 30, 2022

Environmental Science (EVS)

December 2, 2022

Maths

December 5, 2022

The exam duration will be 3 hours. Students will get the question paper 15 minutes ahead. Students must utilize these 15 minutes in reading the questions thoroughly and fill in personal details on the answer sheet.

Important points to consider in HP Board exam 2022

  • The exam will be conducted in offline mode only.
  • Students must refrain from carrying any electronic device- calculator, smartwatch, pager, mobile phone, or other.
  • They must not indulge in any sort of cheating in the exam hall.
  • Students must reach the examination hall on or before time.
  • They must carry their ID card and hall ticket to get entry into the examination hall.

Also Read: NEET UG Counselling 2022: Mop-Up Round Registrations Begin Today, Apply at mcc.nic.in

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Sun, 04 Dec 2022 10:00:00 -0600 text/html https://www.jagranjosh.com/news/hp-board-exam-2022-hpbose-commence-class-3-and-5-exams-today-check-datesheet-here-165724
Killexams : HP Board exam Dates 2023: Winter Closing Session Class 3, 5 and 8 exam Schedule Released, Check at hpbose.org

Himachal Pradesh class 3, 5, and 8 exam schedule is now available on the official website. Students taking the Winter Closing exam can check the schedule of the exam and the exam day guidelines here. 

HPBOSE Winter Closing exam 2023
HPBOSE Winter Closing exam 2023

HPBOSE Class 3, 5, and 8 exam Date: Himachal Pradesh Board of School Education has released the HPBOSE Class 3, 5, and 8 Winter Closing Datesheet 2023. The exams for classes 3, 5, and 8 students will begin on November 28, 2022. Students who will be appearing for the Himachal Pradesh Board 3rd, 5th, and 8th class exams can visit the official website of the board to check the exams. 

Himachal Pradesh Board Class 3 and class 5 exams will conclude on December 5, 2022, while the class 8 exams will conclude on December 6, 2022. The exams will be conducted in a single shift from 9:45 AM to 1 PM. the details regarding the exam centre and instructions for the students will be mentioned on the admit card for the exams. Students appearing for the exams are advised to reach the exam centre atleast an hour before the reporting time. 

Candidates can check the Himachal Pradesh Board 3rd, 5th, and class 8 exam schedules on the official website - hpbose.org. A direct link for students to check the schedule for the exams is also available below. 

HPBOSE Datesheet Class 3 -Click Here

HPBOSE Datesheet Class 5 - Click Here

HPBOSE Date Sheet Class 8 - Click Here

HP Board exam Schedule

Students taking the HP Board Winter closing exam in classes 3, 5, and 8 can visit the official website or check the details schedule available below.

HPBOSE class 3 Time table

Date Subject
November 28, 2022 Maths
November 30, 2022 Environmental Science (EVS)
December 2, 2022 Hindi
December 5, 2022 English

HPBOSE class 5 Time table

Date Subject
November 28, 2022 English
November 30, 2022 Hindi
December 2, 2022 Environmental Science (EVS)
December 5, 2022 Maths

HPBOSE class 8 Time table

Date

Subject

November 28, 2022

Maths

November 29, 2022

Sanskrit

November 20, 2023

English

December 1, 2022

Himachal Lok Sanskriti And Yog

December 2, 2022

Social Science

December 3, 2022

Arts, Home Science, Music/Instrument, Punjabi, Urdu

December 5, 2022

Science

December 6, 2022

Hindi

How to check HPBOSE Winter Session Datesheet 2023

The HP Board Class 3, 5, and 8 Winter session exam datasheet us available on the official website of the Himachal Pradesh Board. In order to check the datasheet candidates are required to visit the official website and click on the 'Examinations' drop down box on the top panel and click on the 'Datesheet' link. The HPBOSE exam schedule is available as a PDF document which can be downloaded for further reference.

HPBOSE exam 2023 Guidelines

The HPBOSE 3rd, 5th, and 8th class exams will be conducted in offline mode. Candidates are advised to carry their exam hall ticket with them to the exam centre.

Electronic devices including calculators, smart watches pagers, phones and other gadgets are not allowed inside the exam hall. 

Also Read: Madhya Pradesh Shramodaya Vidyalaya Entrance exam 2023 Registration Begins, Apply at mpsos.nic.in

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Wed, 16 Nov 2022 15:19:00 -0600 text/html https://www.jagranjosh.com/news/hp-board-exam-dates-2023-winter-closing-class-3-5-8-exam-schedule-released-check-at-hpbose-org-165548
Killexams : HP Board Date Sheet 2023: Winter session exam schedule for class 3, 5, 8 released, check full details HP Board Date Sheet 2023: The date sheet for annual exam 2023 for classes 3rd, 5th and 8th has been released by the Himachal Pradesh Board of School Education (HPBOSE). The students and their parents can check the whole schedule released by the board on the official website - hpbose.org
As per the released schedule, the HP Board annual exam for class 3, 5 and 8 are going to begin from November 28, 2022 and class 3, 5 exam will conclude on December 5, 2022, while class 8 exam will end on December 6, 2022.
The students and their parents can check whole released schedule and get it from the official website. They must notice that the exams will be held in an offline mode and in a single shift i.e., starting from 09:45 AM till 01:00 PM. The parents make sure that the students must follow all the COVID protocols and they are not allowed to carry any electronic gadget like mobile phones and calculator and other to the examination centre.
The students can check the exam schedule mentioned here below :-
Himachal Pradesh Board Class 3 exam Date Sheet
Subject Date
Maths November 28, 2022
EVS (Environmental Science) November 30, 2022
Hindi December 2, 2022
English December 5, 2022
Himachal Pradesh BoardClass 5 exam Date Sheet
Subject Date
Hindi November 28, 2022
English November 30, 2022
EVS (Environmental Science) December 2, 2022
Maths December 5, 2022
Himachal Pradesh Board Class 8 exam Date Sheet
Subject Date
Maths November 28, 2022
Sanskrit November 29, 2022
English November 30, 2022
Himachal Lok Sanskriti and Yog December 1, 2022
Social Science December 2, 2022
Arts, Home Science, Music/Instrument, Punjabi, Urdu December 3, 2022
Science December 5, 2022
Hindi December 6, 2022
Click here to check Class 3 Date Sheet
Here's the direct link to check Class 5 Date Sheet
Check Class 8 exam Date Sheet
According to the board authorities, the students would be present physically at least one hour before the commencement of the exam.
Wed, 16 Nov 2022 22:15:00 -0600 en text/html https://timesofindia.indiatimes.com/education/schools/hp-board-date-sheet-2023-winter-session-exam-schedule-for-class-3-5-8-released-check-full-details/articleshow/95573722.cms
Killexams : Testicular Exam

What Is a Testicular Exam?

A testicular exam is a check of the look and feel of your testicles, to see if there may be any problems. You or your doctor can do it.

The testicles are part of a man’s sex organs. They’re in a pouch called the scrotum, located behind and below the penis. They make sperm and the male hormone testosterone.

Who Needs a Testicular exam and How Often?

Every man should have a testicular exam. There is no recommendation that a testicular exam should be part of your annual physical exam. But your doctor may suggest that you do a self-exam on a regular basis. Some doctors recommend checking your testicles once a month. Others say it's fine to have your doctor check once a year.

If you are having problems, or notice a lump or other changes in how your testicles feel or look, tell your doctor.

Exams can be a good way to find lumps that could be cancer or another problem.

How to Do a Testicular Exam

There’s no harm in a self-exam, and doctors say it’s good to know how your testicles look and feel so you can notice any changes.

A self-exam is quick and painless. It takes only a few simple steps:

  1. Take a warm shower or bath to allow the heat to relax the skin of your scrotum.
  2. Hold your penis out of the way.
  3. Examine one testicle at a time using both hands. Roll it between your thumb and fingers.
  4. Feel for a pea-sized lump. If you see or feel something like that, contact your doctor. It’s probably nothing to worry about, but it’s important you make note of it.
  5. Check for any changes in the size, shape, or feel of your testicles. One might be of a different shape or size than the other. That’s OK, but the shapes and sizes shouldn’t change. One might hang lower than the other. That’s normal, too.

Don’t worry if you feel a cordlike structure behind each testicle. It’s a normal part of the part of the scrotum that stores and moves sperm. It’s not a lump.

Is It Testicular Cancer?

If there is a suspicious lump, your doctor might run a painless ultrasound to get a better look for signs of cancer. They might do a blood test to see if there’s an indication of cancer. If the doctor thinks it may be cancerous, they may decide to do surgery to remove the testicle and check for cancer. If it is cancerous, they can determine what kind.

Removing one testicle shouldn’t impact your sex life or your fertility, but having testicular cancer or its treatment could impact fertility. If you think you may want to have children, talk to your doctor about preserving sperm before treatment.

Here are some facts to know about testicular cancer:

It’s rare: Your chance of getting it is about 1 in 250.

It most often affects men ages 15 to 34: It’s the most common cancer in this group.

It’s highly curable: The risk of dying from it is 1 in 5,000.

Early identification is key: It’s more likely to be treated and cured if it’s found early.

Some things increase your risk: Testicular cancer generally can’t be prevented, but some things increase risk. Your risk is higher if you’re white and non-Hispanic or have an undescended testicle or a family history of testicular cancer.

Other symptoms of testicular cancer

A lump is the most common symptom, but others include:

  • Firm testicle
  • Swelling or fluid buildup in the scrotum
  • Feeling of scrotal heaviness
  • Achiness in the lower belly, groin, or scrotum
  • Breast tenderness or growth
  • Pain or uncomfortable feelings in the testicle or scrotum
  • Back pain
  • Early puberty in boys

A lump or other symptom doesn’t mean you have cancer or any other problem.

Sat, 12 Nov 2022 10:00:00 -0600 en text/html https://www.webmd.com/men/testicular-exam
Killexams : HP BOSE class 8th date sheet revised, check detailed exam schedule here

Himachal Pradesh Board of School Education (HPBOSE) has revised the examination schedule for the class 8th winter session. The detailed examination schedule is available on the official website at hpbose.org.

The HP BOSE class 8th examinations will be held from December 1 to 9, 2022. The duration of the examination will be three hours from 10 an to 12 noon. Candidates will be provided 15 minutes to read the question paper.

Any electronic gadgets like calculators, watches with facilities of calculators, pagers, cellular phones and any other device are not allowed in the exam center.

HP BOSE class 8th date sheet

Date Subject
December 1, 2022 Himachal Lok Sanskriti And Yoga
December 2, 2022 Sanskrit
December 3, 2022 English
December 5, 2022 Maths
December 6, 2022 Social Science
December 7, 2022 Arts, Home Science, Music/Instrument, Punjabi, Urdu
December 8, 2022 Science
December 9, 2022 Hindi

Candidates are advised to visit the official website of HPBOSE for more details.

Fri, 18 Nov 2022 05:13:00 -0600 en text/html https://www.hindustantimes.com/education/board-exams/hp-bose-class-8th-date-sheet-revised-check-detailed-exam-schedule-here-101668777468036.html
Killexams : HP TET exam Date Sheet 2022 RELEASED at hpbose.org- Check schedule and other details here © Provided by Zee News

HP TET 2022: The Himachal Pradesh Board of School Education (HPBoSE) releases the Teacher's Eligibility Test (TET) dates for 8 subjects. The tests will be conducted between December 12 and December 25, 2022. Candidates can apply for the HPTET NOVEMBER 2022 online at hpbose.org. The Junior Basic Training (JBT), Trained Graduate Teacher (TGT) in arts, medical, and non-medical professions, language teacher, Shastri, Punjabi, and Urdu are the courses for which the HPTET dates have been released. The test will last for two hours and be given in two shifts: from 10 AM to 12:30 PM in the morning, and from 2 AM to 4:30 PM in the afternoon.

Candidates may apply online at the Board Website from November 5 to November 22, 2022, until 11:59 p.m. The examination fee is Rs. 800 for all categories (with the exception of Physically Handicapped (PHH)) and its subcategories, and Rs. 500 for OBC, ST, SC, and PHH categories.

Name of Examination Date of Exam Shift
JBT TET

December 10

Morning
Shastri TET

December 10

Afternoon
TGT (Arts) TET December 11 Morning
TGT (Medical) TET December 11 Afternoon
TGT (Non-medical) TET December 12 Morning
Language teacher TET December 12 Afternoon
Punjabi TET December 25 Morning
Urdu TET December 25 Afternoon

The HPTET online application form must be submitted from November 23 to November 25, 2022 (till 11:59 PM), along with an additional late charge of Rs 300. After that, no application will be considered. The HPTET admit card will be made available on the HP board's website four days before the tests begin.

Wed, 16 Nov 2022 12:55:00 -0600 en-IN text/html https://www.msn.com/en-in/news/newsindia/hp-tet-exam-date-sheet-2022-released-at-hpboseorg-check-schedule-and-other-details-here/ar-AA14cGDy
Killexams : How to get no-exam life insurance
Daughter on father's shoulders in front of suburban home
No-exam life insurance policies can be beneficial for a variety of policyholders.  Getty Images

Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.

Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.

Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction). 

Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical exam life insurance worthwhile. 

If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect

No medical exam life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.

Types of no-exam life insurance policies to know

The first step in getting no-medical exam insurance is deciding what kind is right for you. Here are four main types

  • Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
  • Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical exam and guarantee a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
  • Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
  • Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.

If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.

Finding a provider for no-exam life insurance

Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you. 

From there: 

  • Shop around for several quotes. Coverage and premiums can vary widely. 
  • If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
  • If you are working, check to see if your employer is offering group life insurance.
  • Consider whether a whole life or term life type of policy is right for your circumstances.
  • Seek out customer reviews and complaints to review.  

Filling out the application

Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:

  • Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports. 
  • Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey). 
  • A request for financial information such as income and credit history.
  • A request letter from your primary care doctor about your health.

Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking. 

Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.

Get started now and see what you can qualify for!

Thu, 17 Nov 2022 07:58:00 -0600 en-US text/html https://www.cbsnews.com/news/how-to-get-no-exam-life-insurance/
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 https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737
Killexams : No-exam life insurance policies: Everything to know
Prepare today for a secure tomorrow
To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common.  KATLEHO SEISA / Getty Images

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

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

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

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

What is no-exam life insurance?

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

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

How to get a no-exam life insurance policy

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

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


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

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

How much does no-exam life insurance cost?

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

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

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

Is no-exam life insurance worth it?

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

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

Bottom line

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

Wed, 30 Nov 2022 15:13:00 -0600 en-US text/html https://www.cbsnews.com/news/what-is-no-exam-life-insurance-policy/
Killexams : Investigation launched into nursing exam results after more than half fail

An investigation has been launched into why more than half of those who took the Quebec nursing licence exam earlier this year failed it, even as the province is struggling with a nursing shortage.

The commissioner for admissions to professions, André Gariépy, will take a look at the results of the exam, his office said in a news release on Monday evening. 

Nursing students have told CBC Montreal that the exam, which is mandatory to obtain a nursing licence in Quebec, didn't reflect what they had been studying in school. 

The nurses' order, known by its French acronym the OIIQ, said 54.6 per cent of students failed the licensing exam written at the end of September. For those who took the test for the first time, the failure rate was 48.6 per cent — the highest rate recorded in four years. 

Since 2018, the success rate for first-time test-takers has generally ranged from 71 to 96 per cent. 

Gariépy's office said media coverage and a latest deluge of complaints prompted the investigation. The commissioner, who oversees admissions to professional orders (including nurses) in the province, received 27 complaints about the exam in latest days. 

The investigation will focus on the "various concerns that have been raised about the exam itself and the status of the candidates." 

The commissioner encouraged nursing candidates who failed the September exam to sign up to rewrite it in March. They should also "review the feedback provided on individual performance at the September session," the commissioner wrote, and "review the guides and materials and participate in information activities to prepare for the exam."

Meanwhile, the OIIQ says it won't change its standards. 

The nursing order issued a news release on Tuesday saying its exam was not different from past years and it was developed by a panel of experts from clinical and university settings.

"Additional resources" would be put in place to support students, the order said. 

"However, relaxing the criteria is not being considered from a public protection perspective," it added. "Instead, we will focus on targeted support to enable all candidates to pass the exam in future rounds."

Nursing candidates have three attempts to pass the exam. The OIIQ said all candidates who failed the September exam received a response detailing why they failed and that there were online tools available to pass it, including a guide and preparatory workshops. 

"We are confident that a return to in-person teaching, as well as support for students, will be a factor in success," said Luc Mathieu, the president of the OIIQ. 

In a previous interview with CBC Montreal, Chantal Lemay, a spokesperson for the order, blamed the pandemic's effects on the students' learning environment for the poor test performances.

Chantal Lemay is the spokesperson for the Quebec Order of Nurses. (Radio-Canada)

Joseph Oujeil, a nursing professor at CÉGEP du Vieux Montréal and CÉGEP André-Laurendeau, said he was surprised so many of his students failed the exam. 

He said the failure rate was not normal and comes at a terrible time, as Quebec faces a nursing shortage.

"I think the average results need to be looked at," Oujeil said, suggesting the order make the passing grade 50 per cent instead of the usual 55 per cent.

He said students told him the exam "doesn't reflect the real reality of what we're teaching them in school or during their studies and it also doesn't reflect what they've seen in their clinical training."

Anyone with information about the exam or the status of those who took it can communicate confidentially with the commissioner by emailing commissaire@opq.gouv.qc.ca

Sat, 19 Nov 2022 19:23:00 -0600 en text/html https://www.cbc.ca/news/canada/montreal/nursing-exam-invesigation-1.6651983
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