NCCT-ICS test Questions - NCCT Insurance and Coding Specialist Updated: 2023

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 Braindumps 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 demo Questions

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.

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

Multiple choice questions appear throughout both test papers, and at both foundation tier and higher tier. Multiple choice questions are usually asked as questions, often starting with 'what is...' or 'why...'.

You have three or four options to choose from in a multiple choice question. You must choose the number of options asked for in the question by placing ticks in boxes. Most multiple choice questions require just one tick, but a few ask for two ticks. You will not get a mark if you leave all the boxes blank, or if you put a tick in more than the required number of boxes.

Multiple choice questions often have two answers that could, at first glance, be correct. It is important to check all the answers before deciding which box to tick. It is also important to check that your chosen statement answers the question - some questions might include an option that is a correct statement, but that does not answer the question.

© (Getty Images) Diverse group of Latin American students sitting in their desks in the classroom - education concepts

Earning a high school diploma can be challenging. Some students come close to walking across that stage, but ultimately don't graduate – whether that's due to bullying, health issues, family responsibilities or other reasons.

However, experts say that having at least a high school education is valuable, in particular for earning power. The median weekly earnings for a worker in the U.S. with only a high school diploma is $809, compared with $626 for those without one, according to 2021 data from the U.S. Bureau of Labor Statistics.

Those looking to finish their high school education – either shortly after dropping out or years later – have several options, including taking the High School Equivalency Test, or HiSET, or the more commonly used General Educational Development Test, known as the GED.

What Is the GED?

The GED is taken primarily by students who did not graduate from high school. It is administered by the GED Testing Service, a joint venture between the nonprofit American Council on Education and Pearson, a for-profit education company. Passing the GED demonstrates that the test-taker has a high school level of education. In some states or territories, test-takers who pass all four sections earn a certificate, while in others, like Connecticut, they receive an official high school diploma.

Adults may want to take the GED to increase their salary, be a role model for their children or be able to be promoted or join a union at work, says Linda Roma, director of workforce development at Brookdale Community College in New Jersey.

Test-takers must be at least 18 years old – although many states have a minimum age of 16 with certain stipulations – and can’t be enrolled in high school.

The GED is only offered in an online format, available in English and Spanish, but test-takers have the option to complete it at home or in person at an official testing center. To take the GED at home, test-takers must score ‘green’ on a GED Ready VCE test 60 days prior to the real exam; have a computer with a webcam and reliable internet; show a government-issued ID; and work in a room with four walls, a closed door and no distractions.

Sections That Comprise the GED

The GED consists of four subject tests, including mathematical reasoning, reasoning through language arts, social studies and science. It's not required to complete all four of these exams in one sitting. Test-takers have the option to take them one at a time and request accommodations, if needed.

"I think a lot of the challenges (of taking these exams) have to do with who the audience of the GED is," says Boris Dvorkin, a longtime instructor at Kaplan, a company that provides test prep and other educational services. "It's typically older students. It's often students who have not been in the class environment and they haven't had a test-taking mindset for a long time. Some of the content is pretty difficult, so there's just a lot of anxiety going into the test."

Mathematical Reasoning

During the 115-minute math test, test-takers answer questions related to geometry, basic algebra, graphs and functions, and basic math. The use of a TI-30XS calculator at the testing site or onscreen calculator at home is permitted, and test-takers also have access to a formula sheet.

Dvorkin advises test-takers to get plenty of practice before taking the test. "Don't go in expecting things to make sense right off the bat. This is especially true for math," he says. "In my classes, I've noticed that math is the scariest section of the test on average because math is just different from other subjects. It's more abstract."

Reasoning Through Language Arts

The language arts test has three sections – focused on reading, identifying and creating arguments, and grammar and language – including a written essay portion. Over the 150-minute test period, which includes a 10-minute break, test-takers are required to read excerpts from literary and informational sources and answer related questions.

Social Studies

The 70-minute social studies test has three question types: reading, analyzing historical events and arguments, and using numbers and graphs. Test-takers are not expected to memorize facts. Instead, they must use provided information about a specific historical event to answer questions. This test allows the use of a TI-30XS calculator at the testing site or onscreen calculator at home.

Science

The 90-minute science test covers three skill areas: reading, interpreting and designing science experiments, and using graphs and numbers. Like the social studies and math tests, the science test also allows the use of a TI-30XS calculator on site or an onscreen calculator at home.

Cost of the GED

Prices vary per state, and may also depend on whether the test is taken at home or at a testing site. But costs typically range between $25 and $40 per section. Florida, for instance, charges $32 per section to take the test at a site versus $38 per section at home.

The District of Columbia, and some other states offer discounts to subsidize the cost of the exam. D.C. residents pay $3.75 per section for the in-person test, but the cost of the at-home test is much higher, $36. Other states, such as Massachusetts, cover the total cost for first-time test takers, in addition to two retakes per subject.

How the Test Is Scored

After submitting the exam, students should expect to receive their scores within 24 hours. However, in some cases, scores can take up to three business days to be posted.

Each section is scored out of 200, with a passing score of 145. To earn the certification, test-takers must score at least a 145 in all four subjects. But earning a higher score on any test subject may come with additional benefits, especially if the test-taker is planning to attend college.

A 165 and above in any subject is known as a "college ready score." Students with a score between 165 and 174 may be eligible to bypass a college placement exam, while a score of at least 175 could lead to college credits. Policies vary, so students should check with their specific institution, experts say.

GED Preparation Tips

Though the amount of time needed to study varies by person, some experts advise test-takers to start their GED preparation at least three months before the exam, whether that's through taking practice exams or registering for preparation programs.

Kaplan, for instance, offers prep books, a self-paced online class or live classes, at a cost, to help with GED prep. The GED Testing Service has an all-inclusive prep program – which includes a one-on-one tutor, practice tests, study tools and a personal adviser – as well as free practice resources on its website.

There are also low-cost or free GED preparation programs available at some libraries, community centers and community colleges, experts say. Anne Arundel Community College in Maryland, for instance, hosts free online or in-person preparation programs designed for students aged 18 or older. These classes are offered in the morning as well as evenings and weekends.

Those kinds of classes are recommended because in them "they learn those practicing skills, those test-taking skills, they learn how to use the calculator, learn how to apply the formulas for math and how to navigate through the test itself," says Lynda Hall, instructional specialist at AACC. "The classes are very valuable to students."

Dvorkin advises test-takers to resist the urge to engage in negative self-talk while prepping for the GED.

"As humans, we have a tendency to feel bad when we get something wrong. I think that's drilled into us in school," he says. "In practice, the GED Testing Service doesn't know that you got that question wrong. They're not going find out no matter how bad you bombed it. It's not going to affect whether you can pass the test or not. If you get a question wrong in practice, that means you have a chance to learn from it."

Copyright 2023 U.S. News & World Report

Bringing a new life into the world is a thrill like no other. Returning to the sport you love after weeks or months of rest and recovery? Almost as exciting.

If you’ve been counting down the days until you can get back on the bike, you owe yourself a safe and enjoyable transition back into training. Unfortunately, that can be challenging when you’re on the receiving end of countless mixed messages about what postpartum fitness should look and feel like.

To clear up any confusion and help you develop a plan that works for you, we spoke with the experts, including pregnancy and postpartum-certified cycling coaches, a pelvic floor physical therapist, and a pregnancy and postpartum corrective exercise specialist. Here’s what you need to know.

Recognize the Factors at Play in Postpartum Training

Even If you’ve taken time off from cycling in the past (maybe to recover from an injury), returning to training postpartum can feel like an entirely different experience.

“Training doesn’t happen in a vacuum, especially postpartum, and there are external factors, like sleep, or lack thereof, hormones, whether or not you’re breastfeeding—these all factor into how quickly you may be able to progress,” says Alison Marie Helms, Ph.D., pregnancy and postpartum corrective exercise specialist and founder of Women’s Running Academy. Add in the physical and emotional labor that comes with caretaking, and you may have significantly less time and energy than before giving birth.

Additionally, not everyone experiences the delivery and birth outcomes they had expected or hoped for, and those circumstances can greatly influence training. For example, some new parents may be simultaneously dealing with postpartum depression or anxiety, a child’s medical diagnosis, or grief from a loss. While getting back on the bike can offer a restorative activity, mental and emotional stress can compound the physical stress of exercise and make workouts exponentially harder. “If you’re having any kind of postpartum anxiety or depression, that affects the way you can take a breath,” Helms says. “You’re not a robot.”

But you are still a cyclist, even if everything else about your life has changed since you’ve been in the saddle. And with the right approach and a little patience, you will discover your “new normal” and return to the training you love.

Check In With Your Care Team Before Returning to Cycling After Childbirth

First, you’ll need to get the okay from your doctor or midwife. This typically happens at the six-week follow-up appointment, but if you had a cesarean birth (c-section) or experienced any complications, your timeline might be longer.

While a physician’s approval is an encouraging benchmark, it shouldn’t be the only factor you consider before returning to riding. Most coaches who work with postpartum athletes also recommend seeing a pelvic floor physical therapist after giving birth (as well as before and during pregnancy, if possible), as pregnancy and childbirth can significantly affect the pelvic floor muscles, which support the pelvic organs, stabilize the core, contract to control urine and feces, and play a role in sexual health.

“Cycling does demand a great deal of core strength, which is why it’s important to check in with a pelvic floor physical therapist to confirm the health and readiness of your core muscles,” says Jen Kates, C.P.T., founder of Shift Human Performance. “Especially for those who had a cesarean section, a difficult vaginal birth, or if they experienced any tearing during birth, that can impact their comfort on the bike saddle due to the pressure involved.”

Tracy Sher, P.T., D.P.T., C.S.C.S., founder and CEO of Pelvic Guru and owner of Sher Pelvic Health, explains that a pelvic floor physical therapist’s assessment is different and typically more in-depth than a standard gynecological exam.

“We’ve been trained very differently than on the physician side. It complements well. We can spend extensive time assessing positions and movement to see how everything functions together, including the abdominal wall, legs, spine, pelvic floor, and the vaginal, vulvar, perineum, and tailbone areas,” Sher says. A physical therapist with this speciality can also assess c-section or vulvar wound healing, as well as the strength of the lower extremities and back muscles. “We’re looking at all the components together and separately to see how you function as a human and as an athlete,” she adds.

While a doctor can deliver you the go to exercise, a pelvic floor physical therapist can help you better determine your readiness based on their physical assessment and prescribe treatment that’s more individualized than just “do Kegels.”

“We’re looking at the strength, relaxation, coordination, and endurance of the pelvic floor, and all are equally important. It’s not necessarily that everyone will get Kegels and pelvic floor contractions. They might actually need to learn how to relax the pelvic floor or coordinate better,” Sher says.

Check In With Yourself to Make Sure You’re Ready to Return to Cycling

While meant to be empowering, the advice trope “listen to your body” can feel frustrating when you’ve never been pregnant or postpartum before, and everything feels strange and foreign. However, the answers to some questions can strongly signal whether you’re ready to get back on the bike.

Do you have pain-free bathroom trips?

Can you urinate and have a bowel movement without experiencing pain, bleeding, aching, or stinging during and after? If not, you may have a wound that requires more time to heal or a pelvic floor issue that a pelvic floor therapist can help you address before you get on the bike.

Do you pass the “sit test?”

Ali Frendin, CPT, PMBI MTB coach, pregnancy and postpartum exercise specialist, and founder of MTB Mamas, recommends taking the “sit test.” “Sit on a chair with your legs hovering off the floor to mimic the pressure on the perineum [the area between the anus and vulva] from the bike seat,” she says. “If you’re experiencing pain, then you’re not ready.”

How do you feel in the saddle?

Sher suggests simply sitting on your bike for a few minutes at a time to see how you feel. If that goes well, conduct a short test ride. “Keep it flat and with really light or no resistance,” she says. Look out for pain and numbness in the genital and perineal area, as well as significant discomfort in other parts of the body.

“It might be, because the core and pelvic floor are not as strong as they were before and don’t have as much endurance, it might show up as other things,” Sher says. For example, you may experience back pain or shoulder pain because of the destabilization.

How do you feel postride?

Take note of how you feel the day after a test ride, Helms says. “The body might feel good in the moment. There’s the adrenaline and the happiness from being back to doing the thing you love. But then later you’re like, ‘Oh, I did too much,’” she says. And that’s a sign you might need to take it easier or add in more rest between rides.

Other Guidelines for Getting Back on the Bike

Just like your pre-baby training, your postpartum training will depend on several factors unique to you and your situation; there’s no one-size-fits-all program. But there are some general guidelines that may help you ease back into riding.

Get your bike re-fitted

Your posture, tissues, and how you sit on the bike may have changed since being pregnant and giving birth. You may also need to raise the handlebars, Sher says. “Handlebar height directly affects pressure on the perineum and the genitals for women in particular,” she says.

Test different saddles

The fancy saddle technically designed to relieve pressure may not actually work best for your body. Sher recommends going to a bike shop and sitting in different types of saddles to find the one that’s most comfortable.

Find the right gear

You may be tempted to slip on a pair of padded shorts for cushioning, but both Sher and Frendin warn that extra material can do more harm than good. “I’m not a huge fan of knicks [or padded shorts], but if you do wear them, you might want to choose ones that only have padding around the sit bones. The sit bones are the proper contact points with the bike, and padding elsewhere can just make more points of contact and friction,” Frendin says.

Also, pay attention to how the waistband of your shorts hits your midsection. “High-waisted pants may irritate the pelvic floor by squeezing the organs and making downward pressure worse,” Frendin says. “Low-rise pants may irritate and rub on a c-section scar.” Find the pair that feels best to you, depending on your postpartum body, by testing out different fits.

Start small and progress slowly

“Start with short, 20- to 30-minute easy bike rides to spin your legs, two to three days a week, and see how that feels first before extending that time or distance week to week,” Kates recommends. “Usually a 10- to 20-percent increase in time or distance is adequate for most people, but pay attention to any discomfort you experience along the way.”

If you do feel pain, Sher recommends noting when it tends to happen—after five miles or every time you’re in a particular position, for example—as this info can help a postpartum coach or physical therapist establish your baseline and develop strategies moving forward.

Prioritize strength training

“Pregnancy and rest can weaken and shrink muscles, especially in the glutes, quads, and upper body, and we need these areas to be strong to support posture, the pelvis, and for a strong pedal stroke,” Frendin says.

She recommends doing full-body strength training with an emphasis on exercises that re-establish the connection between breathing and the function of the core muscles. For example, tap into your inhale while lowering into a squat and exhaling as you stand or make sure to breath deeply as you perform exercises like glute bridges and dead bugs.

If possible, work with a postpartum-certified coach

A coach specifically trained to work with pregnant and postpartum cyclists can help you safely ramp up your training while also keeping an eye on your body’s position on the bike.

“Are you hunching? Do you tuck your butt? When climbing out of the saddle and when transitioning from sit to standing, are you bearing down or bracing your abs? These things can contribute to pelvic floor dysfunction and discomfort on the bike,” Frendin says. “These are concerns I work with as a coach and personal trainer.”

5 Signs You’re Doing Too Much Too Soon

While it’s smart to be thoughtful and cautious as you progress through your postpartum training, you don’t need to be afraid of doing too much too soon. There’s a common, fear-based narrative that postpartum athletes can “ruin” their pelvic floor or “damage” their bodies if they’re not careful. This messaging can inspire more anxiety during an already uncertain time in an athlete’s life, and it’s simply not accurate, Sher says.

“The good news is that most of the time you won’t necessarily do damage to the pelvic floor or damage to the perineum or genitals or to a nerve there. But you might get irritation of those things, and it might take longer for healing in that area,” she says.

Use symptoms as feedback that you need to scale your training, which may include slowing down, incorporating more rest, or taking a break to allow your body to heal further.

Below are some signs that you may need to dial back your workouts and, in some cases, see a healthcare professional.

Bleeding

“If you notice you’re bleeding when you ride, there may be a wound that opened up,” Sher says. “You’ll want to get that looked at.”

The Three Ps

Frendin encourages postpartum athletes to look out for the three Ps: pain, prolapse, and peeing. Pain is anything beyond muscle soreness, and not just in the genital or perineal area.

Frendin shares that she went for her first postpartum ride five weeks after giving birth because she thought she was ready. “I had no bleeding, pain, or scarring. I had support and babysitters. But, the next day I woke up with mastitis, she says. “I felt this was my body telling me it was too soon.”

A pelvic floor prolapse can feel like bulging, heaviness, or like something is about to fall out of the vagina. And “peeing” refers to any type of incontinence. All warrant a consultation with your pelvic floor physical therapist or medical provider.

Numbness

“If you’re noticing significantly decreased sensation [in the genital area], it could just be a matter of scaling back, and it takes care of itself. But if, even with scaling back, you start to notice that over the next week or two you’re still having decreased sensation in that general area, you’ll want to get that checked out,” Sher says.

Lack of progress

If you’re putting consistent effort into your training and seeing little to no progress, or if your performance is backsliding, it’s time to reassess. “It probably means you’re doing too much,” Helms says. “You’re not reaping the rewards of your workouts because you’re not recovering enough in between them. You get stronger not in the workout itself but in the recovery.”

Fatigue

You’ll be hard-pressed to find a new parent who couldn’t benefit from more sleep. But if you’re consistently sleep-deprived or exhibiting other signs of overtraining, like depression or anxiety, low immunity, moodiness, or a disinterest in your sport, it may be time to prioritize rest and recovery over exercise.

This is often easier said than done, especially in a culture that promotes a “no excuses” mentality and praises pregnant people for “bouncing back.” Frendin encourages pregnant and postpartum cyclists to do their best to let go of this kind of pressure.

“It’s okay to ride like you had a baby. You have nothing to prove to anyone,” she says. “Modern society praises bouncing back, but there is no going back. There is only forward and through.”

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Although there is no one profile that perfectly defines the student for whom C-Print captioning will be appropriate, below are a few general guidelines to help determine if a student is a potential candidate.

• Students whose preferred mode of communication is English
• Students who have a significant enough hearing loss that makes it difficult to follow classroom lessons
• Students whose practicing level allows for practicing the text of the lesson (at least a 4th grade practicing level is a general rule of thumb)
• Students who know little or no sign language
• Student who are deaf or hard of hearing and who also have a visual impairment (the font size may be enlarged)

Some students may benefit from interpreting and C-Print captioning, so they prefer captioning for some classes, such as those that are primarily lecture, and an interpreter for other classes that are primarily discussion.

Special Populations

Although the focus of the C-Print team’s research has been with deaf and hard-of-hearing students, students with other needs may also benefit from C-Print services (for example, students with visual impairments, learning disabilities, attention deficit disorder, fine motor difficulty, and students for whom English is a second language). This may require modifications of font size and/or text so that the service is structured to meet the needs of the individual student.

Multiple choice questions appear throughout both test papers, and at both Foundation tier and Higher tier. Multiple choice questions are usually asked as questions, often starting with 'What is...?' or 'Why...?'.

You have three or four options to choose from in a multiple choice question. You must choose the number of options asked for in the question by placing ticks in boxes. Most multiple choice questions require just one tick, but a few ask for two ticks. You will not get a mark if you leave all the boxes blank, or if you put a tick in more than the required number of boxes.

Multiple choice questions often have two answers that could, at first glance, be correct. It is important to check all the answers before deciding which box to tick. It is also important to check that your chosen statement answers the question - some questions might include an option that is a correct statement, but that does not answer the question.

When can I take the FE exam?

To be eligible to take the NCEES Fundamentals of Engineering exam, you must meet the following requirements:

1. Completed 90 credits
2. Achieved senior status
3. Be enrolled in mostly 400-level courses toward your engineering degree
4. Be enrolled in the ENGR 490 section assigned to your major department
   • Section 1002-Chemical & Materials Science Engr
   • Section 1003-Civil & Environmental Engr
   • Section 1004-Electrical & Biomedical Engr
   • Section 1005-Mechanical Engr
   • Section 1006-Geological Engr
   • Section 1007-Metallurgical & Mining Engr

For seniors ready to take the FE exam, you will still need to register for ENGR 490 the semester you plan on taking the exam. Please be mindful that if you plan on graduating in the semester you take the exam, you will need to take the test no later than prep day to allow for adequate processing time (uploading your test proof). Otherwise, this may delay your diploma.

CSE students are not required to take the FE exam. 

The test will be held at any NCEES-approved testing facility year round at a testing day and time that you choose. Do not wait to sign up for an test date! If you choose to wait to sign up for the test in the middle of or later in the semester, the testing center dates will most likely be FULL! This may cause a delay, or even denial, in receiving your diploma if you are taking the test in your last semester. Yes, it is an expensive test, but isn't it more expensive to have wait an extra semester for your diploma?

How do I sign up for the FE exam?

Register for the exam on the NCEES website.

How do I prepare for the FE exam?

You may access and review the current FE Supplied Reference Manual, the same type you'll be using during the examination, on the NCEES website.

Study sessions are often organized by the student chapters of ASCE and ASME once a semester. Emails will be sent to students enrolled in ENGR 490, and flyers will be posted on the College's Facebook page. There is often a small cost in order to attend each session.

Please contact Sam DiMuzio (sadimuzio@unr.edu) with any questions about review sessions.

Once you've passed the FE exam

Go to the Nevada State Board of Engineering website and apply for Engineer Intern certification. Instructions on how to apply can be found on their website.

We scored companies based on these measurements:

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

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

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

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

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

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

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

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

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

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