Life insurance agent (California) Life full analysis: what the $39 report shows
Practice and timed mocks are free, with right or wrong on every answer and your total score.
A real question from the full analysis
This is how each question you miss appears in the report. The question, the right answer, the explanation and the source are real. The answer shown as yours is an example, not anyone's data.
Ramon, 41, asks how much life insurance to buy. His agent adds up the mortgage balance, college costs for two children, final expenses, and 10 years of income his spouse would need. The agent then subtracts the family's savings and Ramon's group coverage. Which method is the agent using?
- A The human life value approach
- B The needs approach
- C The law of large numbers
- D A fixed multiple of annual salary
Example answer, marked sure: A · Correct answer: B
B is correct. The needs approach totals the specific expenses and income the family would need after a death, then subtracts assets and existing coverage to find the gap. The CDI life guide describes the same logic: size coverage to the needs you are trying to meet, considering assets and other income. A is wrong because human life value estimates the present value of the insured's future earnings, not a list of family needs. C is wrong because that principle concerns predictability of losses for insurers. D is wrong because a salary multiple is a rough shortcut, not an itemized analysis. Remember: needs approach lists needs, human life value measures earnings.
Readiness by domain uses the weights of the real exam: General Insurance: Basic Insurance Concepts and Principles 12%, General Insurance: Contract Law 8%, General Insurance: The Insurance Marketplace 9.3%, Life Insurance: Basics 10.7%, Life Insurance: Types of Life Policies 13.3%, Life Insurance: Annuities 10.7%, Life Insurance and Annuities: Policy Replacement and Cancellation 5.3%, Life Insurance: The Individual Life Insurance Contract 13.3%, Life Insurance: Taxation of Life Insurance and Annuities 4%, Life Insurance: Group Life Insurance Plans 2.7%, Life Insurance: Social Security Disability Program 1.3%, Life Insurance: Individual Underwriting, Pricing, and Claims 4%, Life Policy Riders 5.3%.
What the full analysis adds
- The right answer to every question, the explanation, and the primary source it comes from.
- Readiness by domain, weighted like the real exam, so you know which domain would sink you.
- Where you were sure and wrong: the answers that would cost you on exam day.
- Time per question by domain, against the exam clock.
- Every question you missed, in one list, with its explanation.
- A study plan that starts with your weakest domain: what it covers, the key concepts, and the official sources to read.