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Killexams : Tibco BusinessWorks exam contents - BingNews Search results Killexams : Tibco BusinessWorks exam contents - BingNews Killexams : Prepare for the CAP Exam

ISA offers a variety of resources to help you prepare for the Certified Automation Professional (CAP®) exam.

Primary Textbook

A Guide to the Automation Body of Knowledge is the primary text resource for the CAP exam 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 Q&A complete with justifications. References that were used for each study guide question are also provided with the question. The Study Guide also includes a recommended list of publications that you can use to do further study on specific domains. Order the CAP Study Guide.

Review Courses

A CAP review course is available in several formats as preparation for taking the certification exam. This course is offered by ISA and can also be offered at your location.

ISA also has a variety of training courses that would be helpful in preparing for CAP. Visit the Automation Professional Training page for a complete list.

Additional Resources

Exam Topics

  1. Basic Continuous Control: Process Instrumentation, Analytical Instrumentation, Continuous Control, Control Valves, Analog Communications, Control System Documentation, Control Equipment
  2. Basic Discrete, Sequencing, and Manufacturing Control: Discrete Input & Output Devices and General Manufacturing Measurements, Discrete and Sequencing Control, Motor and Drive Control, Motion Control
  3. Advanced Control Topics: Process Modeling, Advanced Process Control, Control of Batch Processes, Environmental, Environmental Monitoring, Building Automation
  4. Reliability, Safety, and Electrical: Alarm Management, Reliability, Process Safety and Safety Instrumented Systems, Electrical Installations, Safe Use and Application of Electrical Apparatus
  5. Integration and Software: Digital Communications, Industrial Networks, Manufacturing Execution Systems and Business Integration, System and Network Security, Operator Interface, Data Management, Software, Custom Software
  6. Deployment and Maintenance: Operator Training, Checkout, System Testing, and Startup, Troubleshooting, Maintenance, Long-Term Support and System Management
  7. Work Structure: Automation Benefits and Project Justifications, Project Management and Execution, Interpersonal Skills

CAP trial Questions

Questions on the exam were derived from the actual 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 exam 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 exam question item bank and serve as examples of the question type and question content found on the CAP exam.

  1. The method by which the tasks and hazards associated with a machine or process are analyzed is known as:
    • A. Risk assessment.
    • B. Machine assessment.
    • C. Risk reduction.
    • D. Risk abatement.
  2. To test controller tuning or prototype new control strategies offline, the model should be a(an):
    • A. Tie-back (loopback) simulation.
    • B. Artificial neural network.
    • C. Dynamic process simulation.
    • D. Steady state process simulation.
  3. The temperature measurement with the BEST repeatability and resolution is the:
    • A. Thermocouple.
    • B. Resistance temperature detector (RTD).
    • C. Dial thermometer.
    • D. Capillary system.
  4. Which of the following is NOT a variable speed drive setup parameter?
    • A. Acceleration rate.
    • B. Motor winding type.
    • C. Output frequency.
    • D. Maximum speed.
  5. A complete test plan for system integration testing MUST include:
    • A. Comments for the application programmer.
    • B. Multiple test cases for each mode of operation.
    • C. At least five test cases for each test.
    • D. Expected results for each test case.
  6. Frequency of maintenance should be determined by:
    • A. Failure rates of components.
    • B. Availability of personnel and parts.
    • C. Management targets for efficiency and productivity.
    • D. Effectiveness of maintenance personnel.

Sample Questions Answer Key

Question Number Correct Answer Exam Content Outline
1 A Domain 1, Task 4
2 C Domain 2, Task 2
3 B Domain 3, Task 3
4 B Domain 4, Task 7
5 C Domain 5, Task 5
6 A Domain 6, Task 2
Wed, 14 Jul 2021 04:33:00 -0500 en text/html
Killexams : Testicular Exam

What Is a Testicular Exam?

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

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

Who Needs a Testicular exam and How Often?

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

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

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

How to Do a Testicular Exam

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

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

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

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

Is It Testicular Cancer?

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

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

Here are some facts to know about testicular cancer:

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

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

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

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

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

Other symptoms of testicular cancer

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

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

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

Sat, 12 Nov 2022 10:00:00 -0600 en text/html
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 certain 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
Killexams : Prepare for Exams

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

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

To suggest corrections to past solutions, please submit them in the USNCO Preparation Hub.

Solutions are kindly annotated by our volunteers, view all acknowledgments. Sign up as a volunteer to annotate past exams.

Sat, 05 Nov 2022 04:23:00 -0500 en text/html
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 certain 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
Killexams : The bar exams

November 20, 2022 | 12:00am

Today, our bar examinees will be taking part in the fourth and last day of the 2022 Philippine bar examinations chaired by Supreme Court Justice Alfredo Benjamin Caguioa.

Just like last year, there are regional testing venues and the mode of taking the exams is digitized – using the computer-based Examplify software. So bad handwritings are no longer a problem.

The bar exam covers the usual subjects – Political and International Law, Criminal Law, Labor Law and Social Legislation, Civil Law, Mercantile Law, Remedial Law, and Legal Ethics – but removed Taxation Law as a separate bar subject, and adopts a three-examiner per subject policy.

The Philippine bar examinations is without doubt the most difficult licensure examination in the country. The fact that the exams are in digital form did not diminish its difficulty – the questions still required of the examinees a recollection of what they learned in four or five years in law school, the ability to identify and analyze what is being asked, and applying the rule of law and their analysis to answer the question.

If you want to become a lawyer and carry that “Atty” as part of your professional name, then there is only way, and that is to pass the bar exams.

But of course passing the bar is no certain of success in the legal profession, just like in any other profession which requires a licensure test.

It likewise does not determine what kind of lawyer they will become.

As pointed out by the National Union of People’s Lawyers, the bar exam, “is merely a door at the very end of a very long and arduous passage that once opened, permits you into a expansive hall filled with opportunities and responsibilities.”

NUPL president lawyer Ephraim Cortez pointed out that the bar exams is only a test like most others and that prestigious though it may be, this exam will not define one either as an individual or as a lawyer.

In the past, the bar exams also served as a competition among the different law schools for the top 10 highest grades. But last year, the top 10 grades were not announced, but instead, recognitions were given to the exemplary passers or those who scored 85 to 90 percent and the excellent performers or those who got ratings of over 90 percent.

Recognition was also given to the schools with the most number of excellent and exemplary passers.

This was because during the previous bar examination with Justice Marvic Leonen as the bar chairman, the Supreme Court decided to be more inclusive by drawing the focus from how every examinee performed competitively against each other but instead highlighting performance of law schools.

We do not know yet how it will be done under the Caguioa-led bar exam.

But one thing was made sure – it will not be as easy as the previous 2020-2021 bar, which was taken under the most difficult conditions due to the pandemic.

The 2020-2021 bar exam’s passing rate of 72.28 percent, which was one of the highest in the bar history (the highest was the 1954 bar with 75.17 percent), will also probably never happen again. A total of 8,241 examinees out of 11,402 takers passed the 2020-2021 exams held earlier each year. This year, around 9,100 took the exams. No bar exams were held in 2020 and 2021 due to the pandemic. The exam which was originally scheduled in November 2021 had to be postponed to February 2022 due to increasing number of COVID-19 cases back then.

The November 2022 bar examinees were also required go on quarantine before and during the bar exams to avoid getting infected and had to be tested negative against COVID-19.

Moving forward, the Supreme Court has said that future bar examinations will be conducted via digital means to be in tune with technological advancements. And they will remain regionalized or localized unlike before when there was only one testing site and examinees from Visayas and Mindanao had to stay in Manila for at least a month for the exams which were held on four consecutive Sundays.

The bar examinations in the Philippines is still evolving to make sure that the examinees are only asked basic questions which entry-level lawyers should know how to answer. What is also being taught in law school is also being reviewed to make sure that it remains relevant.

And so for the thousands of students who have reached the end of their long journey, good luck.

But I would like to especially wish all my former students from Arellano University Law School, UST Faculty of Civil Law, University of Makati, PUP College of Law, University of Perpetual Help, University of the East, Lyceum, Adamson and Manila Adventist, and my reviewees at Villasis Law Center and Legal Edge Review Center the best of luck and success. You have prepared well and it is just a matter of time before you become full-fledged lawyers.

And thank you to all the law professors who helped these students along the way.

One journey ends, another one begins.

For comments, e-mail at [email protected]

Sat, 19 Nov 2022 22:00:00 -0600 text/html
Killexams : Cutting Regents exams is very troubling

The past, and apparently continuing, move to reduce the academic requirements for high school diplomas in New York State is extremely troubling [“Survey: Most favor Regents adjustment,” News, Nov. 15].

The elimination of Regents exams removes one of the last remaining measures of universal academic performance of high schools and students across the state. Relying on student presentations to determine competency in a subject is a joke.

Teachers will be able to pass students at will with no meaningful measure of competency. We already have seen that many freshmen entering colleges require remedial help to begin to be able to successfully complete college-level courses.

Setting the standards so low simply to allow our education leadership, be they state Education Department personnel or district administrators and teachers, to declare success with high graduation rates is essentially perpetrating a fraud on the taxpayers and certainly not doing the students any favors.

Why not make high school diplomas like Little League “participation trophies”? Everyone gets one so the graduation rate, by definition, becomes almost 100%, given a few students will still drop out.

 — Howard Frauenberger, Malverne

State Education Commissioner Betty A. Rosa says of those surveyed, “These are the voices of New York State.” However, she is only listening to a few voices, not the fuller “voices of New York State.”

The appendix of the survey indicates, as does the article, that 11% of the respondents are from Long Island. Those responses were based on a limited number of regional meetings held during the pandemic.

Only one in-person meeting was held in our area just before the onset of COVID-19, and a virtual meeting did not take place. Information relating to participating in the survey was also not widely circulated.

 — Gloria Sesso, Port Jefferson

The writer is co-president of the Long Island Council for the Social Studies.

WE ENCOURAGE YOU TO JOIN OUR DAILY CONVERSATION. Email your opinion on the issues of the day to Submissions should be no more than 200 words. Please provide your full name, hometown, phone numbers and any relevant expertise or affiliation. Include the headline and date of the article you are responding to. Letters become the property of Newsday and are edited for all media. Due to volume, readers are limited to one letter in print every 45 days. Published letters reflect the ratio received on each topic.

Tue, 22 Nov 2022 13:14:00 -0600 en text/html
Killexams : Carahsoft Named TIBCO Federal Partner of the Year for 2022

RESTON Va., Nov. 03, 2022 (GLOBE NEWSWIRE) -- Carahsoft Technology Corp., The Trusted Government IT Solutions Provider®, announced that it has been named the 2022 Federal Partner of the Year by TIBCO, a global leader in enterprise data. The annual awards celebrate the ongoing commitment and success of TIBCO's partner ecosystem.

The TIBCO Partner Excellence Awards recognize partners who demonstrate the ability to develop, market and deliver advanced technology to their customers, as evidenced by growth in revenue, year-over-year growth, and driving demand and pipeline for TIBCO's solutions. Carahsoft was recognized for being instrumental in executing demand generation activities and expanding TIBCO's Public Sector pipeline via integrated marketing activities including webinars, thought leadership, and events. In addition, Carahsoft supports TIBCO in increasing partner solution knowledge through training sessions.

"Our partners are the key to driving success, and every partner brings a unique set of attributes that assist our customers in harnessing data as a competitive advantage," said Tony Beller, senior vice president of worldwide partner ecosystems and OEM sales, TIBCO. "This year's winners show that, through commitment and innovation, anything is possible. By continuing to leverage the partner team, resources, and systems at their disposal, we can help our clients succeed together."

Carahsoft and TIBCO began their partnership in 2018. Carahsoft serves as a TIBCO distributor, bringing TIBCO's integrated platform and analytical insights to the Federal, State, and Local Governments to empower the Public Sector's decision-making process.

"Being named the TIBCO Federal Partner of the Year is a wonderful accomplishment for our team as we work alongside our reseller partners to expand TIBCO's reach in the Public Sector," said Joe Tabatabaian, Sales Director at Carahsoft. "We are proud to see our marketing efforts drive results for TIBCO and are committed to furthering this success in the coming years. Providing the Government with easy access to the tools agencies need is one of our top priorities, and we are thrilled to be a part of offering TIBCO's solutions to achieve the Public Sector's mission."

About Carahsoft

Carahsoft Technology Corp. is The Trusted Government IT Solutions Provider®, supporting Public Sector organizations across Federal, State and Local Government agencies and Education and Healthcare markets. As the Master Government Aggregator® for our vendor partners, we deliver solutions for Cybersecurity, MultiCloud, DevSecOps, Big Data, Artificial Intelligence, Open Source, Customer Experience and more. Working with resellers, systems integrators and consultants, our sales and marketing teams provide industry leading IT products, services and training through hundreds of contract vehicles. Visit us at

TIBCO is a trademark or registered trademark of TIBCO Software Inc. and/or its subsidiaries in the United States and/or other countries. All other product and company names and marks mentioned in this document are the property of their respective owners and are mentioned for identification.


Mary Lange
(703) 230-7434


© 2022 Benzinga does not provide investment advice. All rights reserved.

Thu, 03 Nov 2022 04:03:00 -0500 text/html
Killexams : Best No-Medical-Exam Life Insurance

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

What type of life insurance does not require a medical exam?

Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

Can you borrow money from a no-exam life insurance policy?

Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

How do I choose the best life insurance policy?

Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

How We Chose the Best Life Insurance Companies

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html
Killexams : The burden that is cheating exams

October 17 marked the start of a two-month period of examinations by Uganda National Examinations Board (Uneb) for primary, and secondary schools. The exercise kicked off with Senior Four exams, later Primary Leaving Exams (PLE) and A-Level exams will follow. However, one of the major challenges the education sector faces is cheating exams.

 Last month, Uneb’s legal officer in liaison with police at Kawempe Police Station, arrested two head teachers and two students for allegedly engaging in malpractice in the Senior Four examinations. 

Teachers, parents and school managers have on several occasions been implicated in cheating exams for their students. Pressure from parents, teachers on children to score good grades has been key in fuelling the vice. Also, the current education system seems to emphasise grades (passing of exams) rather than imparting knowledge.

Some schools aim for good grades to attract more students, thus additional incomes. But cheating exams remains a vice with long term effects on individuals and the country.

During this year’s dedication service for Senior Four candidates of Mbarara High School, the Bishop of Ankole Diocese Rt Rev Sheldon Mwesigwa, said cheating exams is partly responsible for Uganda’s human resource woes.

 “Uganda still faces human resource challenges stemming from morality, integrity and corruption, among others. You cannot start cheating exams for a primary school pupil, or secondary school students and you expect them to leave the vice later in life. You would have already planted an evil seed in these people,” said Bishop Mwesigwa.

He added “Wrong means always end in wrong results, without a positive and honest human resource the country cannot develop because issues of unprofessionalism and corruption will bring down all the positive efforts a country invests in its growth”.

The Bishop also noted most of the young generation has been ruined because of cheating exams.

“We have seen students admitted at universities for courses such as engineering, and medicine but, they cannot make it because they cheated during their lower levels of education. These children would have ended up being better Ugandans if you allowed them to think and grow positively,” added the clergyman.

Mr Ambrose Mugisha, a member of Federation of Uganda Employers (FEU), said most graduates are failing to secure jobs because they were assisted throughout their education through cheating exams.

“You employ people with first class diplomas, degrees or PHD with distinction, but they cannot deliver anything at work. It is very embarrassing and at times this forces employers to shun graduates and instead choose to train their own because they cannot risk their businesses with unskilled people,” Mr Mugisha noted.

He said some of these students cheat their way through institutions of learning but their academic documents are not a representation of their capabilities.

Mr Mugisha cautioned students, parents and schools over graduates’ failure to secure jobs after education because of cheating exams has such long term effects.

Someone might hit certain goals because they cheated exams, but they will always lack confidence to excel without external assistance. Even though this person is employed he or she might not add value to the employer.

Candidates of Teso College Aloet wait to sit for a Physics practical exam in 2021. Photo | File. 

“Someone who excels through cheating cannot be independent in terms of reasoning or accomplishing any of their own projects.  They become psychologically disoriented and feel incapacitated to do anything of their own, or if they were employed  they would end up being fired for non-performance,” says Ms Ketrah Buringa, a retired secondary school teacher.

Mr Dennis Akwar, the Uneb principal examinations officer, noted that cheating does not only affect the student’s future but even the country.

“Uganda, as a country we are competing in the world of job market, if our graduates are lacking, then they will not be absorbed. You find a graduate from  a reputable university with qualifications which do not reflect his or her performance. We must join hands to fight exam malpractice in this country, ”Mr Akwar while making an appeal during the accurate training of examination supervisors, invigilators, head teachers and security personnel from Rwampara and Mbarara districts and Mbarara City against exam malpractices.

The Uneb Act 2021 came as a relief against cheating of exams with tougher penalties for example, anyone found leaking examination papers faces either 10 years in prison or pay a fine of Shs 40 million. Also any person including teachers, invigilators, scouts or any other persons who assist candidates to cheat exams is liable to a Shs20 million fine or five years imprisonment or both.

But some stakeholders have come out with preventive measures in their schools, for example, in Church of Uganda schools in Ankole Diocese there is tracking of student’s performance at different levels.

“We started tracking our student’s performance from primary to secondary and higher institutions. If the performance record is drastic at these levels, we have to find what could have been the problem, including interrogating school managers of the possibility of having cheated exams for these students,” said Bishop Mwesigwa.

He said such interventions have helped them check the vice.

Ms Buringa proposed blacklisting some schools suspected of cheating can be another option to stop the vice.

“When I was still teaching, we used to admit pupils and students of high grades from prominent schools but these ended up with very poor grades and even discontinuing some of them. This automatically tells you that these were cheated for and blacklisting admission of students from such schools can also be another option to curb cheating,”  Ms Buringa advised.

Mon, 14 Nov 2022 03:58:00 -0600 en text/html
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