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Exam Code: PTCB Practice exam 2022 by Killexams.com team
PTCB The Pharmacy Technician Certification Board (PTCE Exam)

Medications (40%)
- Generic names, brand names, and classifications of medications
- Therapeutic equivalence
- Common and life-threatening drug interactions and contraindications (e.g., drug-disease, drug-drug, drug-dietary supplement, drug-laboratory, drug-nutrient)
- Strengths/dose, dosage forms, routes of administration, special handling and administration instructions, and duration of drug therapy
- Common and severe medication side effects, adverse effects, and allergies
- Indications of medications and dietary supplements
- Drug stability (e.g., oral suspensions, insulin, reconstitutables, injectables, vaccinations)
- Narrow therapeutic index (NTI) medications
- Physical and chemical incompatibilities related to non-sterile compounding and reconstitution
- Proper storage of medications (e.g., temperature ranges, light sensitivity, restricted access)

Federal Requirements (12.5%)
- Federal requirements for handling and disposal of non-hazardous, hazardous, and pharmaceutical substances and waste
- Federal requirements for controlled substance prescriptions (i.e., new, refill, transfer) and DEA controlled substance schedules
- Federal requirements (e.g., DEA, FDA) for controlled substances (i.e., receiving, storing, ordering, labeling, dispensing, reverse distribution, take-back programs, and loss or theft of)
- Federal requirements for restricted drug programs and related medication processing (e.g., pseudoephedrine, Risk Evaluation and Mitigation Strategies [REMS])
- FDA recall requirements (e.g., medications, devices, supplies, supplements, classifications)

Patient Safety and Quality Assurance (26.25%)
- High-alert/risk medications and look-alike/sound-alike [LASA] medications
- Error prevention strategies (e.g., prescription or medication order to correct patient, Tall Man lettering, separating inventory, leading and trailing zeros, bar code usage, limit use of error-prone abbreviations)
- Issues that require pharmacist intervention (e.g., drug utilization review [DUR], adverse drug event [ADE], OTC recommendation, therapeutic substitution, misuse, adherence, post-immunization follow-up, allergies, drug interactions)
- Event reporting procedures (e.g., medication errors, adverse effects, and product integrity, MedWatch, near miss, root-cause analysis [RCA])
- Types of prescription errors (e.g., abnormal doses, early refill, incorrect quantity, incorrect patient, incorrect drug)
- Hygiene and cleaning standards (e.g., handwashing, personal protective equipment [PPE], cleaning counting trays, countertop, and equipment)

Order Entry and Processing (21.25%)
- Procedures to compound non-sterile products (e.g., ointments, mixtures, liquids, emulsions, suppositories, enemas)
- Formulas, calculations, ratios, proportions, alligations, conversions, Sig codes (e.g., b.i.d.k, t.i.d., Roman numerals), abbreviations, medical terminology, and symbols for days supply, quantity, dose, concentration, dilutions
- Equipment/supplies required for drug administration (e.g., package size, unit dose, diabetic supplies, spacers, oral and injectable syringes)
- Lot numbers, expiration dates, and National Drug Code (NDC) numbers
- Procedures for identifying and returning dispensable, non-dispensable, and expired medications and supplies (e.g., credit return, return to stock, reverse distribution)

The Pharmacy Technician Certification Board (PTCE Exam)
PTCB Certification test
Killexams : PTCB Certification test - BingNews https://killexams.com/pass4sure/exam-detail/PTCB Search results Killexams : PTCB Certification test - BingNews https://killexams.com/pass4sure/exam-detail/PTCB https://killexams.com/exam_list/PTCB Killexams : Pharmacy Technician Certification

Requirements for pharmacy technicians vary by state, but most require certification, registration or licensure. Earning your certification from the Pharmacy Technician Certification Board (PTCB) provides a valuable, industry-recognized credential that meets most states’ requirements.

Sun, 27 Mar 2022 10:32:00 -0500 en text/html https://www.utsa.edu/pace/online/pharmacy-technician-certification-training.html
Killexams : Reaching a Milestone in Pharmacy

NABP and PTCB Join Together

The National Association of Boards of Pharmacy (NABP) began collaborating with the Pharmacy Technician Certifi-cation Board (PTCB) on the PTCB national certification program for technicians on January 1, 2002. NABP will work with state boards of pharmacy to encourage acceptance of the PTCB certification program as a recognized assessment tool for technicians. In addition, NABP will be joining PTCB's Board of Governors. PTCB has also established the PTCB Stakeholder Policy Council, which will review pharmacy practice issues and trends and advise and make recommendations to the board regarding PTCB's products and services.

"PTCB and NABP working together is a significant milestone for the profession of pharmacy," said Melissa M. Murer, PTCB executive director. "The PTCB certification program enables pharmacy technicians to work more effectively with pharmacists to offer safe and effective patient care and service."

Fri, 21 Oct 2022 12:00:00 -0500 en text/html https://www.medscape.com/viewarticle/436043_1
Killexams : 15 Certification Programs for Careers That Pay Well No result found, try new keyword!You can get a certification through the Pharmacy Technician Certification Board ... It involves a 100 multiple-choice question exam, which covers medical laws, office procedures and insurance ... Fri, 31 Jul 2020 11:48:00 -0500 text/html https://www.usnews.com/careers/articles/certificate-programs-that-pay-well Killexams : Best Database Certifications for 2022
  • Database technology is crucial in multiple applications and computing tasks, and certifications help demonstrate job readiness and core competencies. 
  • Before pursuing a database platform certification, you should have a solid background in relational database management systems and the SQL language. 
  • Valuable certifications are typically tied to specific technology companies and their platforms, such as IBM, Microsoft, Oracle and SAP.
  • This article is for IT professionals considering database certifications to further their careers. 

While database platforms have come and gone through the decades, database technology is still critical for multiple applications and computing tasks. IT professionals often seek database certifications to demonstrate their knowledge and expertise as they navigate their career paths and pursue professional growth. 

While database certifications may not be as bleeding edge as Google cloud certifications, cybersecurity certifications, storage certifications or digital forensics certifications, database professionals at all levels possess in-demand career skills — and a plethora of database-related jobs are waiting to be filled.

We’ll look at some of the most in-demand certifications for database administrators, database developers and anyone else who works with databases.

What to know about database roles and certifications

To get a better grasp of available database certifications, it’s helpful to group these certs around job responsibilities. This reflects the maturity of database technology and its integration into most aspects of commercial, scientific and academic computing. As you read about the various database certification programs, keep these job roles in mind: 

  • Database administrator (DBA). A DBA is responsible for installing, configuring and maintaining a database management system (DBMS). The job is often tied to a specific platform, such as Oracle, MySQL, DB2 or SQL Server.
  • Database developer. A database developer works with generic and proprietary application programming interfaces (APIs) to build applications that interact with a DBMS. Like DBA roles, database developer positions are also often platform-specific.
  • Database designer or database architect. A database designer or architect researches data requirements for specific applications or users and designs database structures and application capabilities to match.
  • Data analyst or data scientist. A data analyst or scientist is responsible for analyzing data from multiple disparate sources to discover previously hidden insights, determine the meaning behind data, and make business-specific recommendations.
  • Data mining or business intelligence (BI) specialist. A data mining or BI specialist focuses on dissecting, analyzing and reporting important data streams, such as customer, supply chain and transaction data and histories.
  • Data warehousing specialist. A data warehousing specialist assembles and analyzes data from multiple operational systems (such as orders, transactions, supply chain information and customer data) to establish data history, analyze trends, generate reports and forecasts, and support general ad hoc queries. 

These database job roles highlight two critical issues to consider if you want to be a database professional:

  1. You need a solid general background. First, a background in relational database management systems, including an understanding of Structured Query Language (SQL), is a fundamental prerequisite for database professionals of all stripes. 
  2. There’s a focus on proprietary technologies. Second, although various efforts to standardize database technology exist, much of the whiz-bang capability that databases and database applications deliver comes from proprietary, vendor-specific technologies. Serious, heavy-duty database skills and knowledge are tied to specific platforms, including various Oracle products (such as the open-source MySQL environment and Oracle itself,) Microsoft SQL Server and IBM DB2. Most of these certifications relate directly to those enormously popular platforms. 

Did you know?Did you know? NoSQL databases — called “not only SQL” or “non-relational” databases — are increasingly used in big data applications associated with some of the best big data certifications for data scientists, data mining and warehousing, and business intelligence.

Best database certifications

Here are details on our five best database certification picks for 2022.

1. IBM Certified Database Administrator — DB2 12

IBM is one of the leaders in the worldwide database market by any objective measure. The company’s database portfolio includes industry-standard DB2, as well as the following:

  • IBM Compose
  • Information Management System (IMS)
  • Informix
  • Cloudant
  • IBM Open Platform with Apache Hadoop

IBM also has a long-standing and well-populated IT certification program that has been around for more than 30 years and encompasses hundreds of individual credentials. 

After redesigning its certification programs and categories, IBM now has a primary data-centric certification category called IBM Data and AI. It includes a range of database credentials: 

  • Database Associate
  • Database Administrator
  • System Administrator
  • Application Developer 

IBM’s is a big and complex certification space, but one where particular platform allegiances are likely to guide readers toward the handful of items most relevant to their interests and needs. 

Database professionals who support DB2 (or aspire to) on IBM’s z/OS should check out the IBM Associate Certified DBA — Db2 12 certification. It’s an entry-level exam that addresses routine planning, working with SQL and XML, security, operations, data concurrency, application design, and concepts around database objects.

This certification requires candidates to pass one exam. Pre-exam training and familiarity with concepts, or hands-on experience, are recommended but not required. 

IBM Certified Database Administrator — DB2 facts and figures

Certification name

IBM Certified Database Administrator — Db2 12 (z/OS)

Prerequisites and required courses

None required; recommended courses are available.

Number of exams

One: C1000-122: Db2 12 for z/OS DBA Fundamentals (63 questions, 90 minutes)

Cost per exam

$200 (or local currency equivalent) per exam. Sign up for exams at Pearson VUE.

URL

https://www.ibm.com/training/certification/C8003803

Self-study materials

The certification page includes self-study materials, including a study guide and a learning path. 

Did you know? IBM’s certification offerings are among the best system administrator certifications IT professionals can achieve.

2. Microsoft Azure

Microsoft Azure offers a broad range of tools and add-ons for business intelligence. Azure is a cloud computing platform for application management and Microsoft-managed data centers. Microsoft certifications include various Azure offerings based on job role and experience level.

Microsoft’s certification program is role-centric, centered on the skills you need to succeed in specific technology jobs. Because Azure has such a broad scope, Azure certifications span multiple job roles. However, specific certifications exist for the following positions:

  • Data Analysts
  • Data Engineers
  • Data Scientists
  • Database Administrators 

There are also certifications for learners at different experience levels. 

For those looking to take their Azure knowledge to the next level, the Microsoft Certified: Azure Data Fundamentals certification is the perfect place to start. This certification is for beginner database administrators interested in using Azure and mastering data in the cloud. It offers foundational knowledge of core concepts while reinforcing concepts for later use in other Azure role-based certifications, such as those listed below: 

  • Azure Database Administrator Associate
  • Azure Data Engineer Associate
  • Data Analyst Associate 

Azure Data Fundamentals certification facts and figures

Certification name

Microsoft Certified: Azure Data Fundamentals

Prerequisites and required courses 

This certification does not have any prerequisites. However, for absolute beginners, Microsoft offers an Azure Fundamentals certification. 

Number of exams

One exam, DP-900, which is administered via Pearson VUE or Certiport.

Cost per exam

The exam costs $99 in the United States, though the cost changes based on where it is proctored. 

URL

https://learn.microsoft.com/en-us/certifications/exams/dp-900

Self-study materials

Microsoft offers one of the world’s largest and best-known IT certification programs, so the exam is well supported with books, study guides, study groups, practice tests and other materials. Microsoft also offers a free online learning path.

3. Oracle Certified Professional, MySQL 5.7 Database Administrator 

Oracle runs its certifications under the auspices of Oracle University. The Oracle Database Certifications page lists separate tracks depending on job role and product. MySQL is perhaps the leading open-source relational database management system (RDBMS). Since acquiring Sun Microsystems in 2010 (which had previously acquired MySQL AB), Oracle has rolled out a paid version of MySQL and developed certifications to support the product. 

If you’re interested in pursuing an Oracle MySQL certification, you can choose between MySQL Database Administration and MySQL Developer. 

The Oracle Certified Professional, MySQL 5.7 Database Administrator (OCP) credential recognizes professionals who can accomplish the following tasks:

  • Install, optimize and monitor MySQL Server.
  • Configure replication.
  • Apply security.
  • Schedule and validate database backups. 

The certification requires candidates to pass a single exam (the same exam can be taken to upgrade a prior certification). Oracle recommends training and on-the-job experience before taking the exam.

Oracle Certified Professional, MySQL 5.7 Database Administrator facts and figures

Did you know? According to Oracle, approximately 1.8 million Oracle Certified professionals globally hold certifications to advance their networking careers and professions to validate their IT expertise. 

4. Oracle Database SQL Certified Associate Certification

For individuals interested in working in the Oracle environment who have the necessary experience to become a database administrator, Oracle’s Database SQL Certified Associate Certification is another top Oracle certification and an excellent starting point. This exam encompasses an understanding of fundamental SQL concepts that individuals must grasp for database projects. 

By earning the certification, individuals demonstrate that they have a range of knowledge in core SQL concepts:

  • Familiarity with queries, data modeling, and normalization
  • Strong base understanding of the underlying SQL language
  • An ability to create and manipulate Oracle Database tables 

This certification also requires candidates to pass a single exam. While Oracle does not specify any prerequisites, the company does state candidates should have familiarity working with the command line. 

Oracle Database SQL Certified Associate Certification facts and figures

5. SAP HANA: SAP Certified Technology Associate — SAP HANA 2.0 SPS05

SAP SE has an extensive portfolio of business applications and analytics software, including cloud infrastructure, applications and storage. The SAP HANA platform’s foundation is an enterprise-grade relational database management system that can be run as an appliance on-premises or in the cloud. The cloud platform lets customers build and run applications and services based on SAP HANA. 

SAP offers a comprehensive certification program built to support its various platforms and products. We’re featuring the SAP Certified Technology Associate — SAP HANA cert because it aligns closely with other certifications we’ve highlighted and is in high demand among employers, according to job board surveys. 

This certification ensures database professionals can install, manage, monitor, migrate and troubleshoot SAP HANA systems. It covers the following skills:

  • Managing users and authorizations
  • Applying security
  • Ensuring high availability 
  • Effective disaster-recovery techniques 

SAP recommends that certification candidates get hands-on practice through formal training or on-the-job experience before attempting this exam. The SAP Learning Hub is a subscription service that gives certification candidates access to a library of learning materials, including e-learning courses and course handbooks. 

The annual subscription rate for individual users on the Professional certification track is $2,760. This online training program is designed for those who run, support, or implement SAP software solutions. Though this may seem like a steep price for online training, you will likely be able to pass any SAP certification exams you put your mind to by leveraging all the learning resources available to SAP Learning Hub Professional subscribers. 

Typically, SAP certifications achieved on one of the two most recent SAP solutions are considered current and valid. SAP contacts professionals whose certifications are nearing end-of-life status and provides information on maintaining their credentials.

SAP Certified Technology Associate facts and figures

Certification name

SAP Certified Technology Associate — SAP HANA 2.0 SPS05

Prerequisites and required courses    

None required.

Recommended: Hands-on experience and the following courses: 

  • SAP HANA Installation & Operations SPS12 (HA200) 
  • High Availability and Disaster Tolerance Administration SPS05 (HA201)
  • Monitoring and Performance Tools SPS05 (HA215)
  • Database Migration using DMO SPS05 (HA250)

Number of exams

One exam: SAP Certified Technology Associate — SAP HANA 2.0 SPS05, exam code C_HANATEC_17 (80 questions, 180 minutes)

Cost per exam

$500

URL

https://training.sap.com/certification/c_hanatec_17-sap-certified-technology-associate—sap-hana-20-sps05-g/

Self-study materials

The certification web page includes a link to trial questions. SAP HANA trade books and certification guides are available on Amazon. The SAP Help Center offers product documentation and a training and certification FAQs page. The SAP Learning Hub (available on a subscription basis) provides access to online learning content.

Tip: To broaden your skill set, consider pursuing the best sales certifications to better sell and implement various IT solutions, including databases.

Beyond the top 5 database certifications

Additional database certification programs can further the careers of IT professionals who work with database management systems. 

While most colleges with computer science programs offer database tracks at the undergraduate, master and Ph.D. levels, well-known vendor-neutral database certifications exist, including the following: 

  • ICCP certifications. The Institute for the Certification of Computing Professionals (ICCP) offers its unique Certified Data Professional and Certified Data Scientist credentials. Learn more about ICCP certifications from the ICCP website.
  • Enterprise DB certifications. EnterpriseDB administers a small but effective certification program with two primary certs: the EDB Certified Associate and the EDB Certified Professional

These are some additional certifications: 

These credentials represent opportunities for database professionals to expand their skill sets — and salaries. However, such niches in the database certification arena are generally only worth pursuing if you already work with these platforms or plan to work for an organization that uses them.

Key takeaway: Pursuing additional database certifications can be helpful for professional development if you already work with these platforms or plan to work with them in the future. 

Job board search results

Before pursuing certifications, consider their popularity with employers to gain a helpful perspective on current database certification demand. Here’s a job board snapshot to supply you an idea of what’s trending.

Certification

SimplyHired 

 Indeed 

 LinkedIn Jobs 

 LinkUp 

Total

IBM Certified Database Administrator — DB2

867

1,337

1,911

753

4,868

Azure Data Fundamentals

2,052

4,154

283

2,322

8,811

Oracle Certified Professional, MySQL Database Administrator

339

473

143

23

978

Oracle Database SQL Certified Associate Certification

138

177

10

273

598

SAP HANA

32

37

57

466

592

If the sheer number of available database-related positions isn’t enough motivation to pursue a certification, consider average salaries for database administrators. SimplyHired reports $91,949 as the national average in the U.S., ranging from $64,171 to over $131,753. Glassdoor’s reported average is somewhat lower at $84,161, with a top rung for experienced senior DBAs right around $134,000.

Choosing the right certification

Choosing the best IT certifications to enhance your skills and boost your career can be overwhelming, especially as many available certifications are for proprietary technologies. While picking a database certification can feel like locking yourself into a single technology family, it is worth remembering that many database skills are transferable. Additionally, pursuing any certification shows your willingness to learn and demonstrates competence to current and future employers. 

Ultimately, choosing which certification to pursue depends on the technologies you use at work or would like to use at a future employer.

Jeremy Bender contributed to the reporting and writing in this article. 

Mon, 05 Dec 2022 10:00:00 -0600 en text/html https://www.businessnewsdaily.com/10734-database-certifications.html
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 ensure 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 : PMP Certification And Exam: Cost Breakdown

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Project management can be a rewarding career. As a project manager, you’re responsible for planning and organizing crucial projects for your workplace. Even more importantly, you make sure everything’s on schedule for successful and on-time completion.

If you’re looking to dive deeper and learn more about the world of project management, you may want to consider getting certified as a Project Management Professional (PMP)®.

This important and widely recognized certification comes from the Project Management Institute (PMI). The PMP certification provides project managers with the tools they need to stay on the leading edge of business and project management. In this article, we break down the process and cost of PMP certification.

What Is PMP Certification?

PMP certification is a widely recognized credential that distinguishes you from your peers in the field. The PMP certification process teaches you about popular project management methods like Agile and waterfall scheduling, among other industry best practices.

PMP certification requires work experience, training courses and the successful completion of an exam. Once you pass the PMP exam, you are considered a PMP. This title can help you advance your career.

How Long Does PMP Certification Take?

The time it takes to get PMP certification depends on where you are in your career. Below, we’ll break down the experience and credentials needed to obtain PMP certification.

Work experience

If you have completed high school but not a four-year degree, PMP certification requires the following.

  • 60 months leading projects
  • 35 hours of formal project management training (“contact hours”) or certified associate in project management (CAPM) certification

If you have completed a four-year degree, the requirements are as follows.

  • 36 months leading projects
  • 35 contact hours or CAPM certification

Project management training

Regardless of your education level, the PMP exam requires you to obtain 35 hours of formal project management training, also called “contact hours.” You can complete your contact hours either online or in person. Costs vary depending on how you complete your contact hours, but generally speaking, online PMP training courses are a less expensive option.

If you have the CAPM credential, you do not have to complete contact hours to obtain the PMP title.

Application processing time

Once you’re ready to sit for the PMP exam, you must submit an application to PMI. An approved application gives you the go-ahead to take the PMP exam. Typically, it only takes about three to five days to hear back from PMI regarding the status of your application.

Study time

Once you’ve met the experience and education requirements for the PMP exam, you may still need to put in some additional study time to feel ready to pass the exam. It’s up to you how long you spend studying for the PMP test, but it’s important to prepare before sitting for the exam since you’ll have to pay a fee for each attempt.

How Much Do PMP Certification Classes Cost?

The amount you’ll pay for your 35 hours of targeted PMP certification classes depends largely on where you take your courses and the format you choose. The cost of PMP training ranges from $300 to more than $3,000. Free PMP certification training is also available, but usually only as a free trial period before a paid course. Online PMP certification courses are often less expensive than in-person options, but this isn’t always the case.

Online courses

For example, 35 hours of PMP certification training from Master of Project Academy costs $1,070. A similar course from the Project Management Academy costs $1,995.

Colleges and universities often offer PMP exam prep courses as part of their continuing education curricula as well. Schools typically price these courses according to their regular tuition rates unless otherwise specified.

In-person courses

An in-person bootcamp in the DC/Metro area offered by the Certification Academy costs $1,899 and boasts a 98% pass rate when it comes time to sit for the exam. But a PMP certification course offered by UCLA runs $6,000 and includes both in-person or online options.

How Much Does the PMP Certification exam Cost?

The first time you take it, the PMP exam costs $555 for those without PMI membership. PMI members, on the other hand, pay $405. If you opt to become a PMI member at the time you sign up to take the exam, you’ll still have to pay the nonmember rate.

If you don’t pass the exam the first time, you can retake it in the future. This gives you additional time to study, and you’ll already have some familiarity with the exam format and content. The fee to retake the PMP exam is $275 for PMI members and $375 for nonmembers.

Once your application is approved by the Project Management Institute, you’ll have one year to take the PMP exam. You can take the exam up to three times in one year.

How Much Are PMP Renewal Fees?

Upon successful completion of the PMP exam, you’ll be responsible for keeping your skills and knowledge up to date. The Project Management Institute promotes a continuing certification requirements program to help you do this.

In a three-year timespan, you’ll need to earn 60 professional development units to keep your certification up to date. You can earn these through courses, often offered online, in areas like leadership, business management and project management. This cycle continues indefinitely at three-year intervals. If you don’t manage to keep your certification up to date, it will be suspended for one year.

In the third year of the renewal cycle, you’ll have to renew your PMP certification by the anniversary date of your initial exam. If you are a PMI member at this time, you’ll pay a renewal fee of $60. The PMP renewal cost for nonmembers is $150.

The Bottom Line

PMP certification is a great option if you’re working in the field of project management and want to level up your career. By becoming a PMP, you’ll gain exposure to some of today’s most popular project management methods, like waterfall and Agile. You’ll take courses in business management and leadership and learn the skills you need to enhance your portfolio.

If you embark on a journey toward PMP certification, you can expect to pay $300 to $3,000 or more for the training. It then costs $405 or $555 to sit for the exam, depending on whether you’re a PMI member.

Once you’ve completed the PMP exam, you must maintain a certain level of continuing education to keep your certification active. The renewal fee, paid every three years, costs $60 for PMI members or $150 for nonmembers.

Mon, 07 Nov 2022 16:14:00 -0600 Christin Perry en-US text/html https://www.forbes.com/advisor/education/pmp-certification-cost/
Killexams : 3 solutions to the pharmacy technician shortage

Amid a national shortage of pharmacy technicians, hospital pharmacy teams are forced to get creative when it comes to hiring and retaining enough workers. 

From relying more on interns to partnering with schools, here's how three health systems answered the question, "How has the pharmacy technician shortage affected your organization, and how are you responding?"

1. Jon Horton, PharmD. System Director of Hospital Pharmacy Operations of Sentara Healthcare (Norfolk, Va.): As a profession, pharmacy has experience with providing experiential learning opportunities for pharmacists, and we are working on creating greater bandwidth for training pharmacy technician students. We have partnered with Virginia high schools that have developed pharmacy technician training programs to help students gain required experiential learning hours. 

We also recognize that our team members are at the very core of our success as a healthcare provider, and we must ensure we're providing them with the compensation and benefits offerings that they value most. We regularly evaluate our compensation programs to ensure our salaries remain competitive and reflect the skills, responsibilities and experience talented professionals bring to our organization.

2. Cindy Williams. Vice President of Pharmacy of Riverside Health System (Newport News, Va.): Like many technical roles in healthcare, pharmacy technician demand is outpacing supply. At Riverside Health System, we have worked to provide pharmacy technicians with career advancement through development of a five-tier technician career ladder. We have also increased wages and have partnered with local pharmacy technician training programs to offer experiential rotation sites.  

3. Joseph Stavish, PharmD. Pharmacy Support Supervisor of Jefferson Apothecary at Jefferson Healthcare (Philadelphia): As a manager of the outpatient pharmacy here at Jefferson Health, I can attest that the technician shortage, specifically nationally certified pharmacy technicians, has had a profound impact on our location and workflow. In a very tight job market, it has been challenging to hire and retain staff. The turnover rate for in-demand positions is higher than in the past due to several factors. 

Our talent acquisition team does a great job of seeking out the candidates who will ultimately provide the best fit for our pharmacy team. Patience is key to finding the right candidate while not overburdening the current staff with shared duties. Striking this balance has been the biggest challenge, and continuing to boost staff morale is paramount during the hiring and onboarding process.

Our technicians now focus more on their primary duties so that patient care does not suffer. We have increased our pharmacy intern staffing and assigned many of the technicians' secondary duties to them. This includes things like inventory management, refill requests and prescription order entry. In addition, we've strengthened our partnership with the Jefferson College of Pharmacy, specifically its Department of Experiential Education, to bring in more introductory and advanced pharmacy practice students to assist with our tertiary functions such as medication therapy management as well as social determinants of health outreach pilots. This provides a unique hands-on learning experience for Jefferson students while helping maintain the level of patient engagement required by many payers.

Tue, 15 Nov 2022 23:58:00 -0600 en-gb text/html https://www.beckershospitalreview.com/pharmacy/3-solutions-to-the-pharmacy-technician-shortage.html
Killexams : If you want to land a job or get a raise in the tech industry, you have to pass a test — and pretty much everyone is cheating on the exams

Bill really didn't want to fail.

A Midwestern tech worker who had risen to become a vice president of IT at a big bank, Bill was set to take a Microsoft certification test to prove his proficiency with the company's Azure platform. Passing the exam would help boost his career, adding another technical certification to his résumé that he could parlay into a raise, or maybe even a higher-paying job.

But after spending several hundred dollars to register for the test and studying for weeks, he didn't want to leave anything to chance. 

So he decided to cheat. 

It wasn't hard. With a little searching online, Bill — whose real identity Insider is concealing to avoid professional repercussions — was able to find the exact test he was going to take, along with the answers. He set aside a few hours, learned them all by heart, and aced the test. 

It was one in a long line of tech certifications that Bill freely acknowledges he earned, at least in part, by cheating. And he's far from alone: In the tech industry, it's an open secret that there are thousands, if not millions, of cheaters just like Bill. By combing through "exam dumps" or "brain dumps" — online repositories of certification tests, answers included — fraudsters can rack up professional credentials without knowing anything about what they're being tested on. And the companies issuing the specialized certifications, from Microsoft and Amazon to Google and Salesforce, have been virtually powerless to stop the cheating, even on the major platforms that they own. 

The rise of actual questions for tech certifications could have devastating consequences. Tech insiders familiar with the practice say unqualified candidates are using copies of exams for major tech systems and software to land jobs handling sensitive data and mission-critical infrastructure that affect employers and consumers alike. 

"If you step on a plane to Phoenix from San Francisco, imagine how you would feel if you found out your pilot cheated on all the exams and memorized all the answers," said Humphrey Cheung, an engineer with more than two decades of experience in the tech industry who has seen actual questions used countless times. "That would kind of suck, right?" 

A problem for companies, customers, and workers

Underneath every modern business, from grocery stores to missile manufacturers, lies a complex web of servers, databases, and other technology that is maintained by an army of IT and tech workers. In today's increasingly digitized economy, this critical infrastructure is as essential as electricity and water. Companies rely on tech to do everything from tracking sales and paying vendors to keeping their employees connected via Slack.

But with so many different platforms and systems to manage, companies need a quick way to ensure that IT employees and job candidates are proficient with the tools they're expected to work with. That's where third-party certifications come in. Like plumbers or electricians, IT workers earn independent certifications to confirm they understand leading systems and can install and repair them on the fly. Need to prove you can connect a Cisco router, or deploy a Salesforce instance, or secure a dataset in Google Cloud? Just get certified. 

The popularity of certification tests has exploded in recent years. The research firm IDC estimates that the US market for IT education and training that includes certification tests is now worth $1.4 billion a year. That's in part because third-party certification offers workers a quick route into the tech industry without an expensive college degree, and in part because tech vendors have discovered that they can outsource the work of maintaining the systems they sell to third-party IT companies staffed up with certified technicians instead of having giant, cumbersome customer-service departments of their own.

Imagine how you would feel if you found out your pilot cheated on all the exams and memorized all the answers.

But the high stakes have also led to what many in the industry acknowledge privately is an epidemic of cheating. It's impossible to put a reliable number on the amount of cheating happening, but Cheung and several other industry veterans said that based on how often they've spoken to people who admit to using actual questions and seen them circulate in professional networks, they'd guess that nearly half of all certifications worldwide are obtained by test-takers who crib the answers from exam dumps.

These fraudulently obtained certifications are not just prevalent but also dangerous, certifications experts who track the use of these actual questions say. It can be hard to pin direct customer harm on exam dump usage, these experts said, in part because companies are reluctant to admit to that sort of harm — if an employee screws something up, companies are much more likely to just fire them, not launch an investigation into their professional qualifications. But the cheating is clearly having a corrosive effect on the tech industry, particularly the hiring process.

"Maybe the person themselves doesn't deliver the value that they're supposed to have delivered," Randy Russell, the director of certification at Red Hat, an open source solutions provider, said. He added that fraudulently obtained certifications can also damage the reputation of the certification issuer, making the credentials they issue more suspect in the eyes of recruiters and hiring managers.

And for those recruiters and companies, they're forced to eat up more of their time weeding out candidates who may be cheaters. "The hiring managers and companies are also harmed, because they now have to devote more time and resources to vetting who is and isn't actually qualified," Tim Woodruff, a developer and consultant who specializes in the IT tool ServiceNow and has tracked the use of actual questions in the industry, said. But the biggest losers in the whole debacle, Woodruff said, are the aspirant tech workers who are taking the certifications legitimately, only to see the value of these tests degrade. "The people trying to launch or grow their career are probably the ones who are harmed most of all," he said.

Given how high-tech the industry is, the wave of cheating is surprisingly a low-tech scam. Many of the questions on major technical certification tests are reused for months or even years, so unscrupulous test-takers simply jot down or memorize the exam, type them up afterward, and then post the Dumps online. Prospective test-takers then pay for access to the completed test and breeze through their own exam. It's the same kind of scam college students run, just transferred to the world of IT testing.

The people trying to launch or grow their career are probably the ones who are harmed most of all

Exam dumps have been around for years. In 2002, a man in Vancouver, Washington, pleaded guilty to theft of trade secrets after compiling answers to the Microsoft exams for system engineers and solution developers and selling them online. But two decades later, such cheating is so ubiquitous that people are no longer being charged for the theft. Cheat sheets are available through countless channels online, from group chats and social-media ads to the websites of hundreds of companies — with names like CertKillers.net and ExamTopics.com and DumpsGate.com — that openly sell the answers to certification exams. Some of the sites feature threads and forums where users praise the dumps for helping them cheat, helpfully correct mistakes in the posted tests, and request the answers for other certification exams.

"Exam dumps are an industry now, is the sad truth," Michael Paul, a data-protection consultant in the United Kingdom, said. "You get this attitude from some people of, 'Oh, I just need to get the exam passed.' They don't care that they're diminishing the entire value of that certification." 

In an ironic twist, major tech companies host lively marketplaces for actual questions on their own platforms. On the messaging app Telegram, group chats with impressive-sounding names like "Salesforce Support" connect thousands of users looking to buy and sell exam dumps. Cheaters say that WhatsApp, the messaging app owned by Facebook's parent company, Meta, is a popular venue for finding dumps, and sellers advertise their wares on Instagram, YouTube, and Amazon's Marketplace. You can buy the answers to major tech certifications — including Microsoft Azure and Amazon Web Services — for as little $10, complete with reviews attesting to their reliability. 

Even LinkedIn, the job-networking site owned by Microsoft, has become a place where users offer actual questions for sale — despite the fact that Microsoft's own tools are affected by the cheating. The answers to "LinkedIn Skill Assessments," a set of free in-house exams that LinkedIn offers to enable users to certify their proficiency with dozens of tech tools, from Adobe Illustrator to Google Analytics, are all freely available on GitHub, which is also owned by Microsoft. Gleeful TikTok users have been quick to make videos highlighting this flaw in LinkedIn's tests.

The reasons for cheating

Cheung, the developer based in Singapore, was working for a networking company a few years ago when he received a résumé from a job applicant who had recently obtained his certification as a Cisco Certified Network Professional.

Cheung noticed some potential red flags in the application, so he invited the candidate to sit down with a Cisco router and run through a few problems. The candidate was stumped. Cheung then asked him to change some basic configurations. The candidate still couldn't do it — even after Cheung told him he could use Google for help.

"People get nervous in an interview, and I'm OK with that," Cheung said. "So I gave him every chance, and he couldn't do it." 

Ultimately, it became clear to Cheung that despite the candidate's "certification" in Cisco systems, he had no clue what he was doing. So Cheung asked the candidate if he had used an exam dump to pass his certification. The defeated-looking candidate said yes.

For some, using actual questions is driven by nothing more than a desire to climb the corporate ladder by any means necessary. They aren't thinking about getting caught — they're thinking about whether or not the cheat sheets are right. Because actual questions are crowd-sourced by people who previously took the tests, there's no ensure that the dump-makers copied out the questions correctly — or that they actually knew which of the multiple-choice options were the right answers. "When I started looking for the questions, there's a lot of wrong answers, so I didn't trust it," said an IT consultant in Italy who used an exam dump this summer. 

But others have more complex reasons for cheating. For some, it's the expense. Certification tests can cost several hundred dollars a pop — or more for higher-level credentials. Sometimes the exam fees are paid for by a worker's employer, but those trying to break into the industry often have to foot the bill themselves. Bill, the IT worker at a Midwestern bank, said that one reason he cheated was the reassurance the exam dump gave him that he wouldn't have to pay to retake the test.

I was quite surprised to see the exam that came up was literally the same questions

For others, it's desperation. The IT consultant in Italy, who asked to remain anonymous, said he studied hard for a certification offered by the cybersecurity firm CyberArk, and thought he knew the subject matter. But he turned out to be a bad test-taker, and he failed the exam — twice. So he found some dumps online, studied the actual questions in advance, and finally passed. He then used the certification to help him land a pay raise. 

There's a perception in the tech industry that actual questions are particular widespread in emerging market economies, where the relative cost of taking a test — and the potential payoff for achieving a certification — is much higher. "Broadly speaking, we do find that there tends to be more issues around exam security in those markets, India being one in particular where we see a fair amount of it," said Russell, the Red Hat director. "Getting certified in that market can actually be absolutely transformative to one's income prospects and livelihood."

An engineer from Pakistan said when he was starting his career, he used dumps to get his first Salesforce certification. Taking the exam cost him the equivalent of half his monthly salary — he simply couldn't afford to fail and pay to retake it. After memorizing some actual questions he found, he aced the test. 

"I was quite surprised to see the exam that came up was literally the same questions," he recalled. "They didn't have a big bank of questions." He now works for a major tech firm in the United States and said he only obtains certifications through legitimate means now.

But the perception that workers from poorer countries are more likely to be cheaters can also fuel racism against foreign-born tech workers. "People from India are often looked upon with a disproportionate level of suspicion," Woodruff, the ServiceNow developer, said. "Companies and hiring managers are much more likely to assume that an Indian person obtained their certifications by fraudulent means, even if that biased expectation is subconscious and due to their recent experiences in hiring."

Companies are trying, and failing, to fight back

Given the onslaught of cheating, companies that offer certifications are taking a variety of countermeasures to try to combat cheaters. Some periodically refresh the exams with new questions; others monitor test-takers to see if anyone is answering the exams suspiciously fast. A Google spokesperson said the company asks exam-dump sites to take down the questions — an approach that seems unlikely to stem the tide of cheating. ServiceNow said it employs data analytics to identify when clusters of exam-takers all answer questions similarly, indicating that they likely used the same exam dump.

Red Hat, the cybersecurity firm, eschews multiple-choice questions altogether, opting instead for hands-on exams that require the test-taker to demonstrate actual proficiency with its tools. Many companies incorporate a hands-on component in their most senior certifications, but the increased costs of supervising and assessing such tests make them too expensive for many entry-level certifications.

But certification companies acknowledge that they are far from eradicating the problem. The more people cheat, the more others feel obligated to utilize underhanded methods to keep up with the cheaters they're competing against. And in many cases, the cheating appears to be condoned — and even encouraged — by employers. Vendors often supply consulting and technical-support companies better deals on their products if the firms have more certified workers on staff. Multiple tech workers told Insider that it's common for unscrupulous employers to push their workers to use illicit dumps to earn extra credentials — either to make the company more attractive to potential clients or to earn it a discount on IT products.

One said his company provided him with copious actual questions when he asked them if they had any legitimate training resources for an upcoming exam he was due to take. It made him suspect the expertise of his colleagues, and paranoid that if his employer's actions ever emerged, he might also be falsely accused of using dumps and stripped of his legitimately acquired certifications.

Fed up with the lack of progress at cracking down on cheaters, some workers in the tech industry are taking matters into their own hands. Woodruff spent the summer infiltrating multiple Telegram groups — some of which have thousands of members — that are dedicated to sharing the company's exams. Over time, he gained the trust of the group's administrators, ultimately convincing them to appoint him as a fellow administrator to help oversee the groups. 

He immediately disbanded the groups and banned all their members, disrupting — if only temporarily — one small part of the exam-dump trade.


Rob Price is a correspondent at Insider, based in San Francisco.

Got a tip? Contact Rob by phone or Signal at +1 650-636-6268, email at rprice@insider.com, or on Twitter at @robaeprice. Confidentiality offered.

Correction: November 14, 2022 — An earlier version of this story misstated the scope of Red Hat's business, it is an open source solutions provider not solely a security software provider.

Sun, 13 Nov 2022 21:36:00 -0600 en-US text/html https://www.businessinsider.com/tech-workers-cheating-certification-exam-dumps-jobs-higher-pay-promotions-2022-11
Killexams : Is CAPM Worth It? Salary And Job Growth

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

If you’re a project management professional with less than three years of experience, and you are looking to boost your resume and certify your skills and knowledge, the Certified Associate of Project Management (CAPM)® certification may benefit you.

Early-career professionals who are wondering if the CAPM is worth it should consider the certification’s key factors. This article overviews factors to consider regarding CAPM certification, including costs, salary and growth potential and career options.

What is CAPM Certification?

The CAPM certification is a beginner-level credential administered by the Project Management Institute (PMI) that validates an individual’s knowledge and competency in project management fundamentals. The certification serves entry-level professionals, project team members and project managers who are seeking to advance their knowledge and implement best practices in their day-to-day work.

CAPM Certification Cost and Exam​​

Several components factor into the total CAPM certification cost. These expenses include exam fees, training costs, study resources and renewal fees.

The CAPM exam fee is mandatory, and test-takers must pay it directly to PMI. The fee breaks down as follows.

  • Exam fee. $225 for PMI members and $300 for nonmembers
  • Re-examination fee. $60 for PMI members and $150 for nonmembers

Training Costs

CAPM training and exam preparation courses typically incur additional costs. Fees for training courses vary depending on the program. CAPM bootcamps typically start at around $200. In just three or four days, these programs provide the 23 hours of project management education required for CAPM certification.

A training course can cost between $300 and $500. There are several training options available for certification candidates with varying budgets.

PMI bases the current CAPM certification exam on the sixth edition of the Project Management Body of Knowledge (PMBOK)® Guide. PMI members receive this guide with their memberships. Nonmembers must purchase the PMBOK if they want to use it to prepare for the exam. PMI bundles this edition of the PMBOK Guide with its Agile Practice Guide, which is available to purchase from PMI for $49.

Note that starting in 2023, the CAPM exam will no longer be based on the PMBOK Guide.

Resources and Practice Tests

For the current version of the CAPM exam, test-takers should review the sixth edition of the PMBOK. PMI also recommends those pursuing CAPM certification to prepare through courses and study groups in addition to self-study. Local PMI chapters often offer formal study courses, as do PMI-authorized training partners. Costs vary among providers.

CAPM candidates may take practice exams as well. The costs of these exams widely vary, and there are some free practice tests available online. PMI offers sample test questions and the CAPM handbook—both excellent tools for self-study—online for free.

CAPM Renewal Costs

The CAPM renewal fee is $60 for PMI members and $150 for nonmembers. CAPM-certified professionals who want to maintain their CAPM status must renew their certification every three years, during which they must complete 15 professional development units.

PMI periodically updates the renewal process for CAPM certification, so make sure to check PMI’s website to stay on top of the most current renewal requirements and costs.

CAPM Salary and Job Growth Potential

PMI projects that the global economy will need 25 million new project management employees to meet demand by 2030: 12 million due to the field’s projected expansion, and 13 million due to worker retirements. This amounts to 2.3 million project management job openings per year until 2030, indicating strong, steady growth for the field.

Even early-career project management professionals earn relatively high salaries as well, according to PMI. In the U.S., project professionals with less than three years of experience earn a median annual salary of $78,279.

Below we list a few roles, spanning from entry-level to senior positions, that you may qualify for with a CAPM certification.

Project Management Analyst

Median Annual Salary: $93,000

Job Description: Management analysts make recommendations to Improve organizations’ efficiency. These professionals, also called management consultants, analyze how an organization might increase its profits by reducing costs and increasing revenues and advise managers accordingly.

Management analysts should have a bachelor’s degree and several years of work experience. CAPM certification is not required for this role, but it can bolster your resume.

Project Coordinator

Average Annual Salary: More than $48,000

Job Description: Project coordinators assist project managers by organizing projects to ensure they’re completed on time and within budget. These professionals coordinate project management activities, resources and equipment. They also collaborate with clients to identify and define project objectives, requirements and scope.

Project coordinators analyze risks, monitor project plans and oversee work hours, schedules and spending. Project coordinators often organize and participate in stakeholder meetings.

Project Manager

Median Annual Salary: $94,500

Job description: Project managers provide critical leadership to help organizations complete projects. These professionals oversee ongoing projects to ensure teams meet deadlines, project requirements and client expectations. They submit deliverables, prepare status reports and streamline communications between teams, team members, stakeholders and clients. They help identify and resolve issues that arise during the project duration.

Project Management Director

Average Annual Salary: More than $123,000

Job description: Project management directors strategically develop, direct and manage multiple projects within larger organizations. They establish methodologies and standards to set measurable quality and productivity targets. These professionals oversee finances, coordinate resources within the defined scope and monitor potential risks to ensure teams complete projects on time and within budget.

Is a CAPM Certification Worth It?

The CAPM certification is a respected designation that indicates a commitment to the field and certifiable knowledge and experience in project management. If you’re contemplating earning a CAPM certification, consider the following factors before taking the plunge.

Consider Your Career

A CAPM certification can help individuals with up to three years of experience in project management boost their resumes and help their job applications stand out.

The certification is a solid place to start if your professional goals include project management. It can serve as a stepping stone toward more advanced positions and certifications in the field, such as the Project Management Professional (PMP)® credential. In fact, CAPM certification fulfills the formal training PMP certification requirements.

Look at Earning Potential

Earning CAPM certification can increase your earning potential. Payscale reports that CAPM-certified professionals earn around $68,000 per year. Note that several factors can impact your earning potential, including your level of education, job title, location and professional experience.

Expand Your Job Opportunities

CAPM certification assesses candidates against strict guidelines that demand competency in and knowledge of project management skills, methodologies, processes and best practices. This professional designation can help your resume stand out and supply you a competitive edge when applying for jobs. It signals to employers that you can successfully fulfill their roles, duties and responsibilities.

A Stepping Stone to the PMP Certification

CAPM certification builds a strong foundation in project management fundamentals and can serve as a stepping stone toward the PMP certification. Before applying for the PMP exam, candidates must meet the following requirements.

  • Hold a four-year degree.
  • Have 36 months of experience in leading projects.
  • Complete 35 hours of project management education or training or CAPM certification.

Alternatively, you may:

  • Hold a high school diploma or associate degree.
  • Have 60 months of experience leading projects.
  • Complete 35 hours of project management education or training or CAPM certification.
Thu, 01 Dec 2022 11:04:00 -0600 Mariah St John en-US text/html https://www.forbes.com/advisor/education/capm-certification-salary/
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 ensure 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/
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