Download or read book 2020 Edition California Life Accident and Health Insurance Agent License Exam Study Guide with 3 Complete Practice Exams written by Leland Chant and published by . This book was released on 2020-01-02 with total page 482 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the overwhelmingly positive reviews for ASIN B071CNHYWD "Texas Life, Accident & Health Insurance Exam Study Guide" we have introduced a California-specific resource. If you are preparing for your Life and Health Insurance license certification exam (Individual states may formally refer to these lines of authority and the state exams as "Life and Accident & Health," "Life, Annuities, Accident, Health or Sickness," "Life and Disability," or similar), our 2020 edition exam prep book is a great resource to help you learn what will be covered on the exam. This book was written based on the exam content outlines published by California testing providers, and provides the most up-to-date information that will educate you in a streamlined manner to prepare you for the exam. Our content covers only the information you will need to study for the exam (no more, no less), and our number one priority is to help you pass your California state licensing exam on the first attempt. STUDY GUIDE INCLUDES 3 COMPLETE PRACTICE EXAMS - 450 questions with fully explained answers. Life, Accident and Health Insurance subject matter includes: Life Insurance Basics Term & Whole Life Insurance Insurable Interests & Beneficiaries Elements of Insurance Contracts Types of Annuities Accident & Health Insurance Basics Medical Expense Insurance HMO, PPO & POS Plans Deductibles & Copayments Sales, Issuance & Policy Delivery HIPAA & The Affordable Care Act Long-Term Care Our in-depth exam prep book covers Life, Accident and Health Insurance exam subject areas that are common across the country and applicable to all states. It also covers all of the following areas specifically appearing on your actual California State Life, Accident & Health Insurance examination: Contract Law Types of Life Policies Life Policy Riders, Options and Exclusions Taxes, Retirement and Other Insurance Concepts Field Underwriting Procedures Types of Health Policies Health Policy Provisions, Clauses and Riders Group Life Insurance, Retirement Plans and Social Security Disability Senior Health Products Disability Insurance The Insurance Marketplace Join the hundreds of students who have used our Texas resource to pass their exam on the first try, but don't take our word for it. Check out the real reviews and actual screenshots of passing scores for yourself: https://www.amazon.com/dp/B071CNHYWD

Download or read book 2020 Edition Florida Life Accident and Health Insurance Agent License Exam Study Guide with 3 Complete Practice Exams written by Leland Chant and published by . This book was released on 2020-01-04 with total page 483 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the overwhelmingly positive reviews for ASIN B071CNHYWD "Texas Life, Accident & Health Insurance Agent/Broker Exam Prep," we have introduced a Florida-specific resource for anyone preparing for their Life and Health Insurance license certification exam (Individual states may formally refer to these lines of authority and the state exams as "Life and Accident & Health," "Life, Annuities, Accident, Health or Sickness," "Life and Disability," or similar). All the content in this resource was created exclusively for you to pass your Florida state licensing exam. The 2020 edition of our study guide was written based on the exam content outlines published by Florida testing providers, and provides the most up-to-date information that will educate you in a streamlined manner to prepare you for the exam. Our content covers only the information you will need to study for the exam (no more, no less), and our number one priority is to help you pass the exam on your first attempt. STUDY GUIDE INCLUDES 3 COMPLETE PRACTICE EXAMS - 450 questions with fully explained answers. Life, Accident and Health Insurance subject matter includes: Life Insurance Basics Term & Whole Life Insurance Insurable Interests & Beneficiaries Elements of Insurance Contracts Types of Annuities Accident & Health Insurance Basics Medical Expense Insurance HMO, PPO & POS Plans Deductibles & Copayments Sales, Issuance & Policy Delivery HIPAA & The Affordable Care Act Long-Term Care Our in-depth Study Guide covers Life, Accident and Health Insurance exam subject areas that are common across the country and applicable to all states. It also covers all of the following areas specifically appearing on your actual Florida State Life, Accident & Health Insurance examination: Contract Law Types of Life Policies Life Policy Riders, Options and Exclusions Taxes, Retirement and Other Insurance Concepts Field Underwriting Procedures Types of Health Policies Health Policy Provisions, Clauses and Riders Group Life Insurance, Retirement Plans and Social Security Disability Senior Health Products Disability Insurance The Insurance Marketplace Join the hundreds of students who have used our Texas resource to pass their exam on the first try, but don't take our word for it. Check out the real reviews and actual screenshots of passing scores for yourself: https://www.amazon.com/dp/B071CNHYWD

Download or read book 2020 Edition Texas Life Accident and Health Insurance Agent License Exam Study Guide with 3 Complete Practice Exams written by Leland Chant and published by . This book was released on 2016-04-20 with total page 439 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are preparing for your Life and Health Insurance license certification exam (Individual states may formally refer to these lines of authority and the state exams as "Life and Accident & Health," "Life, Annuities, Accident, Health or Sickness," "Life and Disability," or similar), our 2020 edition self-study guide is a great resource to help you learn what will be covered on the exam.This study guide was written based on the exam content outlines published by Texas testing providers and provides the most up-to-date information that will educate you in a streamlined manner to prepare you to pass the exam. Our content covers only the information you will need to study for the exam (no more, no less), and our number one priority is to help you pass the exam on your first attempt.INCLUDES 3 COMPLETE PRACTICE EXAMS ➢ 450 questions with fully explained answers It covers Life, Accident and Health Insurance topics such as:* Life Insurance Basics* Term & Whole Life Insurance* Insurable Interests & Beneficiaries* Elements of Insurance Contracts* Types of Annuities* Health Insurance Basics* HMO, PPO & POS Plans* Deductibles & Copayments* Sales, Issuance & Policy Delivery* HIPAA & The Affordable Care Act* Long-Term CareOur in-depth study guide covers Life and Health Insurance exam subject areas that are common across the country and applicable to all states. It also covers all of the following areas specifically appearing on your actual Texas State Life, Accident & Health Insurance examination:* Completing the Application & Underwriting* Types of Life Policies* Life Policy Riders, Options and Exclusions* Taxes, Retirement, and Other Insurance Concepts* Field Underwriting Procedures* Types of Health Policies* Health Policy Provisions, Clauses, and Riders* Social Insurance* Other Health Insurance Concepts* Texas Statutes and Rules (Life and Health)* Texas Statutes and Rules (Life)* Texas Statutes and Rules (Health)* Texas Statutes and Rules (HMOs)

Download or read book New York Life Accident and Health Insurance Agent Broker Exam Prep General Lines Life Accident Health and Annuities written by Leland Chant and published by . This book was released on 2020-02-14 with total page 534 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the overwhelmingly positive reviews for ASIN B071CNHYWD "Texas Life, Accident & Health Insurance Agent/Broker Exam Prep," we have introduced a New York-specific resource for anyone preparing for their Life and Health Insurance license certification exam (Individual states may formally refer to these lines of authority and the state exams as "Life and Accident & Health," "Life, Annuities, Accident, Health or Sickness," "Life and Disability," or similar). All the content in this resource was created exclusively for you to pass your New York state licensing exam. The 2020 edition of our study guide was written based on the exam content outlines published by New York testing providers, and provides the most up-to-date information that will educate you in a streamlined manner to prepare you for the exam. Our content covers only the information you will need to study for the exam (no more, no less), and our number one priority is to help you pass the exam on your first attempt. STUDY GUIDE INCLUDES 3 COMPLETE PRACTICE EXAMS - 450 questions with fully explained answers. Life, Accident and Health Insurance subject matter includes: Life Insurance Basics Term & Whole Life Insurance Insurable Interests & Beneficiaries Elements of Insurance Contracts Types of Annuities Accident & Health Insurance Basics Medical Expense Insurance HMO, PPO & POS Plans Deductibles & Copayments Sales, Issuance & Policy Delivery HIPAA & The Affordable Care Act Long-Term Care Our in-depth Study Guide covers Life, Accident and Health Insurance exam subject areas that are common across the country and applicable to all states. It also covers all of the following areas specifically appearing on your actual New York State Life, Accident & Health Insurance examination: Contract Law Types of Life Policies Life Policy Riders, Options and Exclusions Taxes, Retirement and Other Insurance Concepts Field Underwriting Procedures Types of Health Policies Health Policy Provisions, Clauses and Riders Group Life Insurance, Retirement Plans and Social Security Disability Senior Health Products Disability Insurance The Insurance Marketplace Join the hundreds of students who have used our Texas resource to pass their exam on the first try, but don't take our word for it. Check out the real reviews and actual screenshots of passing scores for yourself: https://www.amazon.com/dp/B071CNHYWD

Download or read book Virginia Life and Health Insurance License Exam Prep written by Leland Chant and published by . This book was released on 2021-08-28 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have you decided to obtain a Life and Health license in Virginia? The state exam won't be easy, and passing on the first attempt can be hard. That's where choosing the right study materials becomes crucial. Updated for 2022, you'll learn: - The Life, Annuities, and Health Insurance concepts found on the exam - The Virginia State Laws relevant to Life, Annuities, and Health Insurance - And so much more... The study guide includes: - 3 complete practice exams (450 questions) with fully explained answers Buy with confidence! Our highly-rated study guides have helped thousands of Texans, Californians, Floridians, and New Yorkers launch successful careers in insurance. Are you ready to pass on the first try? You'll make great use of this comprehensive resource because it's easy to follow and will teach you only what you need to know for the Virginia Life and Health exam. Get it now. * Coming soon: Virginia Property and Casualty Insurance License Exam Prep

Download or read book Texas Property and Casualty Insurance License Exam Prep written by Leland Chant and published by . This book was released on 2020-10-16 with total page 391 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to pass the Texas Property and Casualty Insurance license exam on the first try? Due to the overwhelmingly positive reviews for our Texas Life, Accident and Health Insurance Agent License Exam Study Guide (ASIN B071CNHYWD), we have introduced a resource that is specific to preparing you for the Texas Property and Casualty Insurance license exam. The 2021 edition of our self-study guide will be the definitive resource to help you learn what will be covered to pass on your first attempt. This study guide was written based on the exam content outlines published by Texas testing providers, and provides the most up-to-date information that will educate you in a streamlined manner. Our content covers only the information you will need to study for the exam (no more, no less), and our number one priority is to help you pass on the first try. STUDY GUIDE INCLUDES 3 COMPLETE PRACTICE EXAMS - 450 questions with fully explained answers Our in-depth study guide covers the following Property and Casualty Insurance subject areas that are common across the country and applicable to all 50 states. It also includes a state-specific supplement that covers Texas statutes and Texas Property and Casualty law: * Basic Insurance Concepts and Principles * Contract Law * Basic Legal Concepts - Tort Law * Property and Casualty Basics * Property and Casualty Policies - General * Dwelling Policy * Homeowners Policy * Homeowners - Section I: Property Coverage * Homeowners - Section II: Liability Coverage * Personal Auto * Other Personal Lines Policies * Commercial Coverages * Commercial General Liability (CGL) * Commercial Auto * Other Commercial Coverages * Businessowners * Workers Compensation - General Concepts * Surety Bonds and General Bond Concepts * Texas Statutes and Rules Common to All Lines * Texas Statutes and Rules Pertinent to Property and Casualty Insurance Join the hundreds of students who have used our Texas Life, Accident, and Health resource to pass their licensing exam on the first try. Don't just take our word for it. Check out the real reviews and actual screenshots of passing scores for yourself at the link below: https://www.amazon.com/dp/B071CNHYWD

Download or read book California Life and Health Insurance License Exam Prep 2024 2025 written by Samantha Wright and published by Independently Published. This book was released on 2024-02-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Embark on a journey towards success in the thriving world of insurance with our comprehensive guide tailored specifically for aspiring agents in California! Are you ready to conquer the California Life and Health Insurance License Exam with confidence? Look no further! This meticulously crafted study resource is your key to unlocking the doors to a lucrative career in the insurance industry. Inside this indispensable book, you'll find:

Download or read book Life and Health Insurance License Exam Cram written by Bisys Educational Services and published by Pearson Education. This book was released on 2004-12-03 with total page 605 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified.

Download or read book Life Health Exam Practice Questions written by & Health Exam Secrets Test Life and published by . This book was released on 2018-04-12 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: ***Your #1 Life & Health Practice Test Resource***

Download or read book Property and Casualty Insurance License Exam Study Guide written by Test Prep Books and published by Test Prep Books. This book was released on 2020-03-28 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: Test Prep Books' Property and Casualty Insurance License Exam Study Guide: Property & Casualty Insurance License Exam Study Guide and Practice Test Questions [2nd Edition] Made by Test Prep Books experts for test takers trying to achieve a great score on the Property and Casualty exam. This comprehensive study guide includes: Quick Overview Find out what's inside this guide! Test-Taking Strategies Learn the best tips to help overcome your exam! Introduction Get a thorough breakdown of what the test is and what's on it! Types of Property Policies Covers sections such as Basic Insurance Principles, Insurable Risk, Risk Management, Property Insurance, Business Owner Policies and Commercial Insureds and Policies Property Insurance Terms and Related Concepts Covers the Property Insurance Terms and Related Concepts section Property Policy Provisions and Contract Law Covers the Property Policy Provisions and Contract Law section Types of Casualty Policies and Bonds Covers the Types of Casualty Insurance section Casualty Insurance Terms and Related Concepts Covers the Casualty Insurance section Casualty Policy Provisions Covers the Casualty Policy Provisions section Practice Questions Practice makes perfect! Detailed Answer Explanations Figure out where you went wrong and how to improve! Studying can be hard. We get it. That's why we created this guide with these great features and benefits: Comprehensive Review: Each section of the test has a comprehensive review created by Test Prep Books that goes into detail to cover all of the content likely to appear on the test. Practice Test Questions: We want to give you the best practice you can find. That's why the Test Prep Books practice questions are as close as you can get to the actual Property and Casualty test. Answer Explanations: Every single problem is followed by an answer explanation. We know it's frustrating to miss a question and not understand why. The answer explanations will help you learn from your mistakes. That way, you can avoid missing it again in the future. Test-Taking Strategies: A test taker has to understand the material that is being covered and be familiar with the latest test taking strategies. These strategies are necessary to properly use the time provided. They also help test takers complete the test without making any errors. Test Prep Books has provided the top test-taking tips. Customer Service: We love taking care of our test takers. We make sure that you interact with a real human being when you email your comments or concerns. Anyone planning to take this exam should take advantage of this Test Prep Books study guide. Purchase it today to receive access to: Property and Casualty review materials Property and Casualty practice questions Test-taking strategies

Download or read book 2020 California Real Estate Exam Prep Questions Answers Explanations written by U.S. Exam Prep. Professionals, Ltd. and published by Real Estate Exam Professionals, Ltd.. This book was released on 2019-11-11 with total page 1096 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pass the 2020 California Real Estate Salesperson Exam effortlessly on your 1st try with the Questions, Answers and Explanations to the exam. In this simple course not only will you learn to pass the state licensing exam, you will also learn: - How to study for the CA exam quickly and effectively. - Secrets to Passing the Real Estate Exam even if you do not know the answer to a question. - How to tackle hard real estate MATH questions with ease and eliminate your fears. - Tips and Tricks from Real Estate Professionals, professional exam writers and exam proctors. It will also answer questions like: - Do I need other course materials from companies like Allied Real Estate School? How about Anthony Real Estate School or Kaplan Real Estate School? Are they even good schools to attend? - What kinds of questions are on the California Real Estate License Exam? - Should I use the CA Real Estate License Exams for Dummies Book? This Real Estate Study Guide contains over 1200+ real estate exam questions and answers with full explanations. It includes a real estate MATH ONLY portion, a real estate vocabulary exam as well as the California state exam questions and answers. You will receive questions and answers that are similar to those on the California Department of Real Estate Exam You deserve the BEST real estate exam prep program there is to prepare you to pass, and it gets no better than this. The California Real Estate Salesperson Exam is one of the hardest state exam to pass in the United States. We have compiled this simple exam cram book that quickly and easily prepares you to take your state licensing exam and pass it on the 1st try. Our Real Estate Exam Review is designed to help you pass the real estate exam in the quickest, easiest and most efficient manner possible. Throw away your real estate course test books and class notes, this is all you need to pass!

Download or read book Property and Casualty Insurance License Exam Study Guide 2019 2020 written by Trivium P&C Exam Prep Team and published by . This book was released on 2018-08-06 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: You're probably thinking this is just another typical study guide. Because we know your time is limited, we've created a resource that isn't like most study guides. With Trivium Test Prep's unofficial Property and Casualty Insurance License Exam Study Guide 2019-2020: P&C Exam Prep and Practice Test Questions you'll benefit from a quick-but-comprehensive review of everything tested on the exam via real-life examples, graphics, and information. Our materials give you that extra edge you need to pass the first time. No state was involved in the creation or production of this product, is not in any way affiliated with Trivium Test Prep, and does not sponsor or endorse this product. Trivium Test Prep's Property and Casualty Insurance License Exam Study Guide 2019-2020 offers: A detailed overview of what you need to know for the property and casualty insurance license exam Coverage of all the subjects over which you will be tested Practice questions for you to practice and improve Test tips and strategies to help you score higher Trivium Test Prep's Property and Casualty Insurance License Exam Study Guide 2019-2020 covers: General Insurance Concepts Insurance Basics Property Insurance Basics Types of Property Insurance Casualty Insurance Basics Types of Casualty Insurance Other Types of Policies Insurance Regulation ...and includes a FULL practice test About Trivium Test Prep Trivium Test Prep is an independent test prep study guide company that produces and prints all of our books right here in the USA. Our dedicated professionals know how people think and learn, and have created our test prep products based on what research has shown to be the fastest, easiest, and most effective way to prepare for the exam. Unlike other study guides that are stamped out in a generic fashion, our study materials are specifically tailored for your exact needs. We offer a comprehensive set of guides guaranteed to raise your score for exams from every step of your education; from high school, to college or the military, to graduate school. Let our study guides guide you along the path to the professional career of your dreams

Download or read book Property and Casualty Insurance written by Dearborn Trade and published by Kaplan Publishing. This book was released on 2004 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dearborn Financial Services is a leader in providing innovative education and compliance solutions to the financial services industry. For more than 80 years, decision makers and students have trusted Dearborn to provide quality licensing and career development programs along with industry-specific learning management and compliance solutions. We have built a long track record of success partnering with professionals and organizations globally to deliver fresh solutions that maximize training resources, boost productivity, and build customer value. Book jacket.

Download or read book California Property and Casualty Insurance License Exam Prep 2024 2025 written by Kevin Scott and published by Independently Published. This book was released on 2024-02-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you ready to embark on a journey toward becoming a licensed Property and Casualty Insurance professional in California? Look no further! This comprehensive guide is your ultimate companion for acing the California Property and Casualty Insurance License Exam in 2024-2025. Inside this book, you'll find a carefully curated collection of practice questions designed to simulate the actual exam experience. Each question is accompanied by detailed answer explanations, ensuring that you not only understand the correct answer but also grasp the underlying concepts and principles. Whether you're a seasoned insurance professional looking to renew your license or a newcomer eager to enter the industry, this book covers everything you need to know to succeed: Comprehensive coverage of key insurance concepts, regulations, and laws specific to California. Practice questions covering a wide range of topics, including property insurance, casualty insurance, liability coverage, and more. Detailed answer explanations to help you understand the reasoning behind each correct answer. Tips and strategies for effective exam preparation, including time management techniques and test-taking strategies. Updated content reflecting the latest changes and developments in the insurance industry for the 2024-2025 exam cycle. With this book as your guide, you'll feel confident and prepared as you approach the California Property and Casualty Insurance License Exam. Whether you're studying independently or as part of a structured course, this resource will help you maximize your chances of success and take the next step in your insurance career.

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Download or read book PSI National Real Estate License Exam Prep 2020 2021 written by Patrick Cohen and published by Study Guides. This book was released on 2021-02-09 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: The golden key to acing the exam on your very first try... Are you nervous about your upcoming exam and can feel the pressure building already? Have you heard the stories of how people sometimes take this test two, three, or even four times? Does it feel like there is just too much information to know and memorize? Or maybe, you're feeling confident with everything but simply want to find a resource that allows you to house it all in one simple, easily accessible location... Whatever the case may be, know that this exam doesn't have to be the "end all be all" of this stressful situation. In fact, it can even be a fun and empowering process. The PSI National Real Estate Exam is an extensive and all-encompassing ordeal that will certainly challenge you, but it will also help you grow and become even better at what you do. The study process will push you to the extreme and require focused time management, but again, this will only help you to become something more. With the right awareness of what's on the exam, a detailed understanding of the process itself, and a comprehensive outlook of what to expect and how to be prepared for precisely these things, the only option will be one of overwhelming success. In PSI National Real Estate Exam Prep 2020-2021, you'll discover: ● A play-by-play guide to establishing your plan of action prior to taking the exam itself ● Why your routine the week before the exam is the most important part of it all ● The most comprehensive set of study questions available, giving you more diversity in your studies ● Detailed explanations for why each answer is the correct one, expanding your awareness of the information itself ● Groundbreakingly similar practice exams to the test itself that will help you to prepare in ways otherwise unattainable ● How to schedule a little study time every day, no matter how busy you are, and why this will enhance your knowledge ten-fold ● 3 of the most powerful things NOT to do when taking the exam itself ... and so much more! Just because many people take this exam more than once, it doesn't mean you're also destined for the same fate. Whether this is your first go at it, or your 3rd (or 4th), with this guide by your side, it will certainly be your last. Passing this exam is not something only for the elite of mind or real estate geniuses. No matter where you are starting or how much time you have, you can master the material and pass the exam with flying colors. Getting one step closer to the career of your dreams starts today. If you're ready to take your stress levels down a notch and streamline the entire exam prep process, then you need this book today!

Download or read book California Insurance Adjuster Exam Unofficial Self Practice Exercise Questions written by Exam Review and published by Createspace Independent Publishing Platform. This book was released on 2018-08-31 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: An insurance adjuster is a person who engages in the business of making an investigation for the purpose of obtaining information in the course of adjusting or participating in the settlement or disposal of any claim in connection with a policy of insurance. This book primarily covers the fundamental adjusting knowledge compatible with the state exam, with California specific coverage. We create these self-practice test questions referencing the concepts and principles currently valid in the adjuster exam. Each question comes with an answer and a short explanation which aids you in seeking further study information. For purpose of exam readiness drilling, this product includes questions that have varying numbers of choices. Some have 2 while some have 5 or 6. We want to make sure these questions are tough enough to really test your readiness and draw your focus to the weak areas. Think of these as challenges presented to you so to assess your comprehension of the subject matters. The goal is to reinforce learning, to validate successful transference of knowledge and to identify areas of weakness that require remediation. The questions are NOT designed to "simulate" actual exam questions. "realistic" or actual questions that are for cheating purpose are not available in any of our products.