This course introduces the general insurance knowledge used to understand and sell life and accident and health coverage. It is organized into shared foundations, a Life track, and an Accident & Health track. You can study one license line or both.
You can begin without insurance, finance, or medical training. Shared Foundations explains the core terms before the product lessons use them. Review How to Use This App for the study tools and diagnostic plan.
What this course covers
- Shared insurance principles that apply to both tracks
- Separate Life and Accident & Health product and policy lessons
- General-knowledge questions and flashcards authored for each focused lesson and accessed through unit sessions
State insurance laws, required forms, licensing steps, exam rules, and state-specific benefit limits require separate study. Use the current candidate guide, exam outline, and department of insurance information for your state and line of authority.
The course map
The course has 20 units and 50 focused lessons:
- 6 shared-foundation lessons
- 19 Life lessons
- 25 Accident & Health lessons
| Chapter | Units | Main subjects |
|---|---|---|
| Shared Foundations | 2 | Insurance principles, policy contracts, needs analysis, applications, underwriting, and privacy |
| Life Insurance | 8 | Life products, contract rights, riders, annuities, group and business uses, retirement, and tax concepts |
| Accident & Health Insurance | 10 | Medical plans, cost sharing, claims, disability, public programs, group coverage, long-term care, and supplemental policies |
Shared Foundations
- Insurance Fundamentals: Risk, insurance principles, policy roles, insurable interest, and contract elements
- Needs, Applications, and Underwriting: Needs analysis, policy selection, applications, underwriting, delivery, consumer reports, and privacy
Life Insurance
- Term Life: Temporary protection, term designs, renewability, and conversion
- Whole Life: Permanent protection, cash values, dividends, joint life and survivorship coverage, and automatic premium loans
- Universal and Indexed Life: Flexible premiums, policy values, index-linked crediting, and funding conditions
- Variable Life: Variable whole life, variable universal life, separate accounts, disclosures, and investment risk
- Ownership and Beneficiaries: Policy rights, beneficiary designations, third-party ownership, and life settlements
- Life Provisions and Riders: Common clauses, premium and value choices, exclusions, settlement options, and riders
- Annuities: Accumulation and payout phases, settlement options, risk, liquidity, and suitability
- Group, Business, Retirement, and Tax: Group life, business uses, retirement plans, Social Security concepts, proceeds taxation, and modified endowment contracts
Accident & Health Insurance
- Health Policy Basics and Cost Sharing: Deductibles, copayments, coinsurance, exclusions, limits, and renewability
- Medical Plans and Managed Care: Individual and group medical coverage, plan designs, coordination of benefits, and cost containment
- Health Provisions and Field Underwriting: Policy clauses, claims, applications, field underwriting, and consumer information
- Disability Income: Disability definitions, work capacity, elimination periods, benefit periods, riders, and claims
- Accidental Death and Dismemberment (AD&D) and Workers' Compensation: Accidental death and dismemberment coverage, occupational injuries, and workers' compensation structure
- Group Health, Consolidated Omnibus Budget Reconciliation Act (COBRA), and Marketplace Coverage: Employer plans, temporary federal continuation, Marketplace plans, and federal protections
- Health Accounts: Health Savings Accounts, Flexible Spending Arrangements, and Health Reimbursement Arrangements
- Medicare and Medigap: Original Medicare, Medicare Advantage, prescription drug coverage, and Medicare supplement insurance
- Medicaid and Social Security: Public-program structure, Social Security Disability Insurance, and Supplemental Security Income
- Long-Term Care and Supplemental Coverage: Long-term care insurance and dental, vision, accident, hospital-indemnity, and specified-disease policies
Two tracks, two study diagnostics
- Shared Foundations applies to both lines.
- Life and Accident & Health have different products, policy language, and diagnostics.
- If you study both lines, take the diagnostics separately and keep the results separate.
| CertFuel diagnostic | Questions | Time | General-knowledge mix |
|---|---|---|---|
| Life | 50 | 60 minutes | 5 shared-foundation questions and 45 Life questions |
| Accident & Health | 50 | 60 minutes | 5 shared-foundation questions and 45 Health questions |
These study diagnostics exclude state-law questions. They do not reproduce a state's complete licensing exam, official weighting, or passing score. Use each result to select topics for review.
Choose your study path
New to insurance
- Begin with Shared Foundations.
- Choose the track for your license line.
- Expect shared contract and field-practice concepts to appear in both tracks.
Preparing for Life
- Review both shared units, then study Life Insurance in order.
- Take the Life diagnostic after your first pass.
- Revisit the Life units where missed or uncertain answers show a gap.
Preparing for Accident & Health
- Review both shared units, then study Accident & Health Insurance in order.
- Take the Accident & Health diagnostic after your first pass.
- Return to the policy, claim, and public-program concepts that need more work.
Preparing for both lines
- Study Shared Foundations once.
- Complete one track at a time, including its Book pages, unit Study Quizzes, unit flashcard sessions, and diagnostic.
- Keep separate review plans so you can see which line needs attention.
If you already work with insurance or have related coursework, you may begin with the diagnostic for your target line. Use the result to guide review. It does not replace unfamiliar material or state-specific preparation.
Use a four-step study loop
Repeat this cycle for each unit:
- Preview: Read the introduction and scan the lesson titles.
- Learn: Study how each policy, provision, or program works and when it matters.
- Practice recall: After the unit's lessons, select Start a Study Quiz for this Unit and Start a Flashcard Session for this Unit. Both controls appear on the unit introduction and after its final lesson.
- Review and return: Read the explanations, revisit the exact lesson that contains the gap, and try the concept again after a break.
- Complete one unit before moving to the next.
- Take the track diagnostic after your first pass.
- Use missed answers, uncertain answers, and correct guesses to plan the second pass.
What to expect in the lessons
- Plain-language definitions explain key insurance terms.
- Comparisons separate similar products, roles, triggers, and contract choices.
- Questions practice application, while flashcards support quick recall.
- Policy terms, state rules, and date-sensitive federal details can change, so current official and contract sources control real-world decisions.