The Royal Treatment GOLD LIFE Series - 100 Days Access

An in-depth review of the most tested topics on the LIFE Exam

Note: This course is part of the Life & Health Bundle and can't be purchased separately.

Course Overview

This course  is part of the Life & Health Bundle and provides you with an ALL-EXCLUSIVE OVERVIEW of the most tested topics on the LIFE INSURANCE exam. Signing up will give you 100 days access to my valuable curriculum, helping you through the maze of terms and definitions, giving you clarity and leaving you confident to take the exam.

Gold is for those who are struggling to read and understand their Pre-Licensing course and want to be taught the material with video and visuals as well as be given student notes that go along with the videos. Gold is also great for those of you who need 10 or more points or percentages to pass their exam.


**Student Notes and Practice Questions are in the process of being added to the course, but the value is found in the Class Videos! You can access free notes and practice question games on the Free Resources Tab of the website**

How to use my course

Follow these guidelines and you will have the best chance to pass first time (or next time, if you have just found me).

What you need

You need a State Approved Course. I recommend an XCEL* Course
as well as my GOLD Life & Health Series**.
Then put the State Approved Course to one side, you don't need to look at that yet.

*Use COUPON CODE "QUEEN" to get a $9 discount.
**If you buy an XCEL course, I'll enroll you in my 'GOLD' Course' absolutely FREE (value $97).

Where to start

Once enrolled in the Insurance Exam Queen GOLD Course you have 100 days access and
  this is where you start the learning!  
My Gold class series will help you understand the material easily and quickly. Work your way through all the lessons, notes and practices. See below what is inside!

What's next

After watching all my content, you can breeze through XCEL (or any exam prep course) much easier.
Support is available in my Facebook Group, or if you need more support later on, you can upgrade to Platinum to chat directly with Melissa as you study. Live Classes and One-On-One Tutoring is also available! 

What's Inside


Life and Health
mutual content: 5 hours 40mins

General Insurance for Life and Health (some states test on this)

Completing the Application (Life) / Field Underwriting (Health)

State Law/Insurance Regulations for Life and Health

10 hours Content

Life Basics (some states test on this)

Life Provisions, Riders, Options and Exclusions (HIGHLY tested in all states)

Create an All Types of Life Policies Study Chart 

Joint Life Insurance Vs Survivorship Life Insurance 

Business Life Insurance Key Person and Buy Sell

Term Life vs Whole Life Insurance 

Term Life Insurance 

Whole Life Insurance, Loans and Nonforfeiture Options 

Universal Life Insurance 

Variable Life Insurance


Tax Deferred vs Tax Deductible 

Qualified Plans 

Traditional IRA vs Roth IRA 

Tax Treatment of Life Insurance 

MEC's and 7 Pay Test 

12 hours of Content

Health Basics (some states test on this)

Health Provisions (HIGHLY tested in all states)

Health Vocab: Fee for Service vs PrePaid 

Health Vocab: Benefit Schedule vs URC

Health Basics: Perils Accident vs Sickness

Private Vs Government Insurance

Health Basics: Types of Losses

Types of Limited Policies

AD&D Accidental Death and Dismemberment

Basic Medical vs Major Medical 

Major Medical Plans HMO vs PPO

Major Medical Plans HMO's

Major Medical Plans PPO's

Cost Sharing: Copay, Deductible, Coinsurance, Stop Loss

Cost Sharing: Deductible and Coinsurance Math


Health Insurance: Individual, Group & Franchise

Group Insurance 

Coordination of Benefits on Group Plans

COBRA Insurance: Group Continuation

Contributory vs Non Contributory

Disability Policies, Taxes, Math Example & Notes

Tax Deferred vs Tax Deductible

Long Term Care: Intro, Levels of Care, Optional Benefits, Unintentional Lapse and Exclusions

Social Insurance Medicare vs Medicaid

Medicare Eligibility and Enrollment Periods

Parts of Medicare 

Medicare vs Medicare Supplement 

Your Investement

Course Image

LIFE & HEALTH - The Royal Treatment GOLD





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Bobbie M Ramirez



1 year ago