Standard Life Health Insurance 2025
Standard Life Health Insurance offers a range of health, accident, and life insurance products. It is a well-established carrier with more than a century’s worth of experience in the insurance industry.
They offer supplemental health and accident coverage in 49 states, including Medicare Supplement Insurance (Medigap) plans. Their insurance products also include annuities and disability coverage.
Free Life & Health Insurance Practice Test Online
Cigna Health And Life Insurance Company
Cigna is an international insurance company that provides health, life, and accident coverages. Its headquarters are in Bloomfield, Connecticut, and it operates in more than 30 countries. It was founded in 1982 when two old companies merged.
The company’s global network embraces over 1 million physicians and healthcare professionals, as well as 68,000 pharmacies. Its product offerings include individual and family health insurance plans, Medicare Advantage, and supplemental insurance products.
It also sells group health insurance policies through employers and provides an accelerated death benefit rider to cover the cost of final expenses in the event of a terminal illness.
Many Cigna policies include access to telehealth providers, which allow members to receive medical advice or treatment remotely without going to the doctor’s office. This service is free for most of the company’s individual and family plans.
Cigna’s customer service is top-notch, and it provides 24-hour phone support. Its website is also a good resource for finding answers to questions, and it has several sections that explain the ins and outs of health insurance.
| What is Standard Life Health Insurance? | Standard Life Health Insurance (SLHI) is a comprehensive health insurance certification program designed for insurance professionals. It validates knowledge in health insurance principles, policy administration, claims processing, and regulatory compliance across the insurance industry. |
| Who needs SLHI certification? | Insurance agents, brokers, underwriters, and claims adjusters working in health insurance need SLHI certification. Many employers require it for professional advancement, and it demonstrates expertise in health insurance regulations and practices. |
| How long does SLHI certification last? | SLHI certification remains valid for three years from the date of issuance. Professionals must complete continuing education requirements and renew their certification before expiration to maintain active status in the field. |
| What are the prerequisites for SLHI? | Most SLHI programs require at least one year of health insurance industry experience or completion of approved pre-certification coursework. Some providers may accept relevant bachelor's degrees as qualifying prerequisites for the certification exam. |
| How many questions are on the SLHI exam? | The SLHI exam typically contains 150 multiple-choice questions covering health insurance fundamentals, regulations, ethics, and practice scenarios. The exam is divided into sections testing different competency areas within health insurance operations. |
| How long is the SLHI exam? | Candidates have three hours to complete the SLHI exam. This includes time for reviewing questions and marking answers. The computerized format allows test-takers to navigate freely between sections during the allocated time period. |
| What topics are covered on the SLHI? | The exam covers policy types and provisions, claims processing, underwriting principles, health insurance regulations including HIPAA and ACA, medical terminology, provider networks, benefits administration, and ethical standards in health insurance practices. |
| Is the SLHI exam computer-based or paper-based? | The SLHI exam is administered via computer at authorized testing centers. The digital format provides immediate preliminary results and allows for flexible scheduling. Some providers may offer paper-based testing upon special request. |
| How do I register for the SLHI exam? | Registration is completed through the official SLHI certification website. Create an account, submit required documentation proving eligibility, pay the exam fee, and schedule your testing appointment at an available center within your area. |
| What is the SLHI exam fee? | The standard SLHI exam fee ranges from $350 to $450 depending on the testing provider and location. Additional fees may apply for late registration, rescheduling, or expedited score reporting services. |
| When can I schedule the SLHI exam? | SLHI exams are offered year-round at testing centers with appointments available throughout the week. Scheduling typically requires at least two weeks advance notice, though last-minute slots may be available during non-peak periods. |
| Can I reschedule my SLHI exam? | Yes, you can reschedule up to 48 hours before your appointment without penalty. Rescheduling within 48 hours typically incurs a fee of $50 to $75. Cancellations or no-shows forfeit the exam fee. |
| What is the passing score for SLHI? | A passing score is typically 70% or higher, meaning candidates must answer at least 105 out of 150 questions correctly. The scaled scoring system accounts for question difficulty to ensure fairness across different exam versions. |
| When will I receive my SLHI results? | Preliminary results appear immediately after completing the computer-based exam. Official score reports and certification credentials are typically mailed within 10 business days. Digital certificates may be available sooner through your online account. |
| What happens if I fail the SLHI exam? | You can retake the exam after a 30-day waiting period. Your score report will identify weak areas for focused study. Each retake requires paying the full exam fee and following the standard registration process. |
| How many times can I retake the SLHI exam? | There is no limit to the number of attempts, though a 30-day waiting period applies between each exam. Most candidates pass within two or three attempts after targeted preparation addressing identified knowledge gaps. |
| What study materials are available for SLHI? | Official study guides, practice exams, online courses, and reference manuals are available through the certification body. Many candidates also use textbooks on health insurance, industry publications, and review courses offered by professional training organizations. |
| How long should I study for the SLHI? | Most candidates study 6 to 12 weeks, dedicating 10 to 15 hours per week. Those with extensive health insurance experience may need less time, while newcomers to the field typically require more comprehensive preparation. |
| Are there SLHI prep courses available? | Yes, numerous organizations offer instructor-led and self-paced online prep courses. These range from intensive boot camps to semester-long programs. Many employers sponsor employees for prep courses as professional development investments. |
| What is the best way to prepare for SLHI? | Combine official study materials with practice exams, focus on weak areas, understand health insurance regulations thoroughly, and gain practical experience. Study groups and review courses significantly improve pass rates for first-time test takers. |
Life Insurance Vs Health Insurance
Life insurance and health insurance are two important types of financial planning that help ensure your family is taken care of if something unexpected happens to you. But there are some major differences between these two policies, so you need to be sure you’re getting the coverage you need for your situation.
Depending on the type of cover you choose, life insurance provides both death benefits and survival rewards to your beneficiaries. Health insurance, on the other hand, only covers your medical bills if you’re diagnosed with a covered illness and isn’t intended to pay for your funeral costs or provide a death benefit.
If you’re looking for a comprehensive, affordable option for covering your health and wellbeing needs, Standard Life offers Medicare plans and supplemental insurance in all 50 states. Use our easy to use search and filter tools to find the right plan for you.
Life And Health Insurance License California
If you want to work as an insurance agent in California, you need to obtain a life and health license. This will allow you to sell life insurance policies that pay a beneficiary upon an insured person’s death, as well as annuities that pay a set income at retirement.
To obtain a license, you must complete a state-approved pre-licensing education course and pass a licensing exam. The insurance license exam will cover the basics of life, accident and health insurance, as well as the California Insurance Code and agent regulations.
You can take the California insurance license exam in a test center or in your own home. The test costs $55 per attempt and is administered by PSI Exams.
You also have the option of submitting your fingerprints for background checks before taking the exam. However, this can slow down the process of obtaining your license. Additionally, you may need to pay an additional fee for fingerprinting. You can find the exact requirements for submitting fingerprints in your state’s official guidelines.
Life And Health Insurance Exam Pass Rate
If you are interested in a career as a life insurance agent, it is important to pass your exam. There are several steps you can take to prepare for the life and health insurance license exam, including studying, practice exams, and repeating.
The exam can be taken online or at a testing center. It consists of multiple-choice questions that are delivered via computer. The length of the test varies by state, but it typically takes 1.5 to 2 hours.
You may also be required to complete a medical exam before you can obtain your license. This exam is conducted by a medical examiner, such as a nurse or licensed phlebotomist.
While pass rates vary depending on the provider, most students who study diligently can successfully pass their exam. In some cases, it may take several attempts.
The life and health insurance exam is a challenging one, so it is important to take your time and really understand the material. It is also important to remember that the exam does not necessarily indicate how successful you will be in your career.
Free Life And Health Insurance Practice Exam
The Life and Health insurance exam is a requirement for anyone who wants to become a licensed life and health insurance agent. This career involves reaching out to potential clients, explaining a variety of insurance policies to them and helping them choose the one that works best for them.
The exam is a computer-delivered test that tests your knowledge of general life and health insurance as well as state-specific regulations and laws. It contains 150 questions and a 2-and-a-half hour time limit.
Once you finish the exam, you’ll receive a score report. This report will not reveal which questions you answered correctly, but it does tell you which areas you need to improve in.
If you want to pass the Life and Health Insurance license exam, it’s important to study extensively. While it’s not necessary to memorize the answers to all of the practice questions, you should try to understand each concept fully before taking the actual test.
Life And Health Insurance License Georgia
Getting a life and health insurance license in Georgia is a great way to begin working as an insurance agent or broker. It will allow you to provide advice and recommend insurance products to clients, sell life policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.
Obtaining a life and health insurance license in Georgia requires a series of steps, including pre-licensing education courses and an examination. You may also need a securities license to work with investment products.
Before you take an exam, make sure that you have all the necessary paperwork. You should also plan to arrive at your test site 30 minutes early.
Once you’ve passed the exam, you will be given a certificate of completion. You can keep this certificate for future reference.
After you’ve taken your exam, you can submit a Georgia insurance license application. You’ll need to include your course certificates, and pay the required license fees. These costs can vary depending on your individual circumstances.
Alliance Health And Life Insurance Company
The Health Alliance Plan (HAP) has been in business for more than 50 years, serving automotive industry workers in Detroit and the surrounding area. HAP provides an array of affordable and flexible health insurance plans, including a PPO option that gives subscribers access to more than 15,000 providers.
It also offers a Health Savings Account, which allows customers to save for their future medical needs tax-free. The company has been named a Top 5 Best Health Insurance Provider by the UltraLink Annual HMO Satisfaction Survey.
The company also offers a number of other useful products, such as the Healthy Alliance app that helps you manage your health and life insurance policies on-the-go. The company’s website features an extensive list of product offerings, including a wide variety of health and fitness related tools and resources, as well as customer support representatives who are available via live chat or email. The website also features a free online quote tool that will help you compare the best rates from multiple health insurers at once.
Life And Health Insurance Jobs
Life and health insurance jobs can be a lucrative career option for those who have a passion for selling. These careers often offer competitive incomes, and the flexibility to work from anywhere.
In addition, these types of jobs provide a great deal of personal growth opportunities and allow you to build a network of clients. However, it is important to note that these jobs can be challenging and stressful.
As a result, it is essential to choose an insurance company that has a good reputation among consumers and other agents. This is especially important if you plan to work as an independent insurance agent.
As a life and health insurance agent, your job is to explain life and health insurance products in a way that helps your clients make informed decisions. This includes explaining the types of policies and how they vary by length of time covered, premiums, and amounts.
Life & Health Insurance Questions and Answers
Yes, SLHI certification is recognized nationally across the United States. Most major health insurance companies, brokerages, and healthcare organizations accept SLHI credentials. The certification demonstrates comprehensive knowledge of health insurance regulations, making certified professionals highly valued in the industry. Many states also recognize SLHI as meeting continuing education requirements for insurance license maintenance.
Currently, the SLHI exam must be taken at authorized testing centers and cannot be completed from home. This ensures test security and maintains the integrity of the certification. Testing centers provide proctored environments with secure computer systems. However, all preparatory courses and study materials are available online for convenient access from anywhere.
SLHI certification often leads to salary increases ranging from 10% to 20% for insurance professionals. Certified individuals demonstrate advanced expertise, making them more valuable to employers. Many companies offer pay differentials specifically for certified staff, and the credential opens opportunities for promotions to senior positions. Industry data shows certified professionals earn significantly more than non-certified counterparts in similar roles.
You'll need government-issued photo identification, proof of qualifying work experience or education transcripts, and payment information for the exam fee. Some candidates may need employment verification letters from current or previous employers. International candidates might require additional documentation including credential evaluations. All documents must be uploaded during the online registration process before scheduling your exam.
Yes, maintaining SLHI certification requires 20 continuing education credits every three years. These credits must come from approved providers and cover topics relevant to health insurance practices, regulations, and industry developments. Credits can be earned through seminars, webinars, conferences, and online courses. Failure to complete continuing education results in certification expiration, requiring full re-examination to regain certified status.
SLHI certification is portable across all states, as it represents professional competency rather than state licensing. While you may still need state-specific insurance licenses to sell products, the SLHI certification demonstrates your knowledge foundation nationally. This portability makes career relocation easier and expands job opportunities across different regions without needing to recertify for each state.
State insurance licenses authorize you to sell insurance products within that state, while SLHI certification validates your professional knowledge and competency. Many professionals hold both credentials. State licenses are mandatory for sales activities, whereas SLHI certification is voluntary but demonstrates advanced expertise. Employers often require or strongly prefer SLHI certification even when state licensing is already obtained.
The SLHI exam is generally considered more comprehensive and challenging than state insurance licensing exams. It covers broader health insurance topics in greater depth, including complex regulations, policy analysis, and ethical scenarios. State exams focus primarily on state-specific laws and basic insurance concepts. SLHI requires more extensive preparation, typically 6 to 12 weeks of focused study compared to 2 to 4 weeks for most state exams.
Yes, employers can require SLHI certification as a condition of employment or promotion, particularly for senior positions in health insurance. Many companies list SLHI as a preferred or required qualification in job postings. Some organizations provide study support and exam fee reimbursement for employees pursuing certification. Industry trends show increasing numbers of employers making SLHI mandatory for specific roles within their health insurance divisions.
SLHI certification qualifies professionals for senior underwriter, claims manager, policy analyst, compliance officer, and benefits consultant positions. Certified individuals are preferred candidates for supervisory and management roles in health insurance departments. The credential also facilitates career transitions between insurance companies, healthcare organizations, and consulting firms. Many executive-level positions in health insurance operations list SLHI certification as a requirement or strong preference.