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No Medical Exam Life Insurance

Many people purchase life insurance to help secure the financial stability of their loved ones after their death. In most cases, you must submit to a medical exam in order to purchase a life insurance policy, because the insurance company wants to assess the risks involved with insuring you. But some insurance companies offer life insurance policies without a medical exam.

How do these policies differ from those that require a medical exam? When is a good time to buy no medical exam life insurance? When should you avoid it?

Leading Causes of Death and Life Expectancy in the U.S.

According to the Centers for Disease Control and Prevention and National Center for Health Statistics:

  • The leading causes of death in the U.S. in 2014 were heart disease and cancer.
  • Other causes of death include chronic respiratory diseases, unintentional injuries, diabetes, and motor vehicle crashes.
  • In 2013, the average life expectancy at birth was about 78 years old.

What Is No Medical Exam Life Insurance?

Typically, when you purchase life insurance, you are required to fill out paperwork and submit to medical tests in order for the insurance company to determine if you are eligible for coverage. A nurse or other health practitioner will ask in-depth questions and take blood and urine samples to test for various health conditions that make you riskier to insure.

If you have health problems, you could face significantly increased premiums, or even rejection.

No medical exam life insurance is a way to skip the paperwork and exams and obtain a small amount of life insurance even if you have some health problems. Basically, it is a way for you to get life insurance without a physical exam. No exam life insurance is also commonly referred to as “guaranteed issue” and “simplified issue” life insurance. These policies are often marketed to older people who might have medical issues that make getting other life insurance difficult.

No medical exam life insurance policies are term life insurance policies, often with a relatively low face value. Term life insurance policies pay a death benefit if the insured person dies within the policy term, such as 10, 20, or 30 years. No medical exam policies often have lower face values, but can be purchased for larger amounts, such as $250,000 to $500,000.

You can obtain term life insurance quotes for no exam coverage with no medical exam and perhaps only a few medical questions. Your premiums may be higher based on your answers. This may seem like a fast, easy way to get life insurance, but because the insurance company has no insight into your health condition, your premium will be much higher for the amount of coverage that you buy.

The Two Types of No Medical Exam Life Insurance

Guaranteed issue life insurance. Also called guaranteed acceptance life insurance, this does not require a medical exam, nor does the insurance company review your medical records. Usually you will be required to answer only four simple questions:

  • Do you smoke?
  • Are you currently in a hospital or long-term care facility?
  • Do you have AIDS or HIV?
  • Have you been declared terminally ill?

Guaranteed issue policies can provide some level of protection and comfort for you. But they are also extremely expensive relative to other forms of life insurance, and offer a relatively low benefit.

Simplified issue life insurance. This typically does not require a medical exam, but the insurance company will ask more detailed medical questions and may ask to view your medical records. You may be rejected for coverage if you have certain medical issues.

When to Buy No Medical Exam Life Insurance

No medical exam life insurance is often marketed as affordable, convenient, and fast. While this is somewhat true, it is still not the right solution for everyone. Only certain people will truly benefit from purchasing no exam life insurance.

  • If you have a chronic health condition like diabetes that is not under control, purchasing life insurance can be expensive or impossible. You may be able to purchase guaranteed issue life insurance in these cases.
  • If you cannot wait to purchase a fully underwritten policy, no exam life insurance may be a good option. These policies can sometimes be issued in as little as a few days.
  • If you have a risky occupation or participate in a risky hobby, you might have a hard time getting life insurance that utilizes a complete underwriting process, even if you are healthy.
  • If you are older or have a serious health condition and want to help your loved ones pay for funeral or final expenses, a no medical exam life insurance policy may help give you peace of mind.
  • If you have health problems and your employer does not offer group life insurance, no exam life insurance may be a good option for you. Employer-provided life insurance is usually obtainable even for those with health problems, and it is usually very affordable for small amounts of coverage. But if you lose your job or your employer stops offering the coverage, you may be a good candidate for no medical exam life insurance if you have no other options.

If these circumstances do not apply to you, and you want to provide for more than just final expenses, no medical exam life insurance is probably not for you. Young, healthy individuals with families typically need enough life insurance coverage to pay off a home mortgage and other outstanding debt and provide some income replacement for their spouse and children.

You may also want life insurance to fund your children’s education and other future plans. Under most circumstances, submitting to the medical tests and underwriting process will be the best option for obtaining appropriate life insurance that achieves your goals and gives you peace of mind.

How to Find No Medical Exam Life Insurance

Even if you need life insurance fast and no medical exam coverage is your only alternative, you still need to do your homework. Get quotes from multiple insurance companies and make sure that the death benefit and premium amount are satisfactory for your needs and budget. Also, be sure to check out the financial stability of your insurance carrier. You can review insurance company ratings through A.M. Best, Standard Poor’s, and other financial information services.

A Trusted Choice В® independent agent can help you shop for no medical exam life insurance. An experienced local agent can help you review your options and determine if no medical exam life insurance is a good option for you, and can help you obtain quotes from multiple insurance companies. Find a local agent and start getting quotes today.


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No exam term insurance While comparing life insurance quotes and coverage, many individuals will notice that most providers require a medical exam before issuing insurance.

The medical exam ensures that the individual does not have a pre-existing medical condition and is a common part of term life insurance and many whole life policies.

While many insurance providers ask for a medical exam, some companies have policies without an exam.

Basics of the Policies:

  • A term life insurance policy that allows consumers the option to forgo a medical exam has a few key differences from the basic insurance. By learning the facts about how it differs from policies that require an exam, it is easier to make an educated decision about whether the policy is appropriate for personal needs. Some companies offer up to $250,000 of life insurance and other as much as $500K life insurance can be purchased without the completion of a medical exam.
  • The policy is usually similar to any other term life policy. A beneficiary is issued funds if the individual dies within the term. The funds issued to the beneficiary depend on the selected policy amount and any conditions. In most cases, term life insurance will issue funds regardless of a cause of death unless the policy has specific requirements, such as accidental death. The only requirement is that the death occur within the term of the policy.
  • Term life insurance allows the individual to select a time-period for insurance, such as 20 year term life insurance so that children reach adulthood, and the insurance does not pay out if the term is past and it has not been renewed.
  • The key difference between policies that require a medical exam and are underwritten for life-expectancy risk and policies that do not is the price. A policy that does not have a medical exam will cost more than other policies due to the potential risk of a medical condition or other problems that shorten life expectancy.

Benefits of No Medical Exam Insurance:

While the insurance is not for everyone, a no medical exam life insurance policy has some key benefits. Making an educated decision about the appropriate policy starts with learning the advantages and disadvantages of the term life policy.

The benefit that most individuals are interested in with a no medical exam policy is the time required to obtain coverage. A policy that requires an exam will take as long as four to six weeks before the policy begins because consumers must first see a doctor and have reports sent to the insurance provider. The insurance provider will then start the underwriting process and give a final cost to consumers. Consumers fill out the final paperwork and then coverage begins.

Those who opt to get insurance without a medical exam will find that the process is much faster and simpler. Paperwork is filled out and the final cost is usually issued within one to two days. Consumers then complete the paperwork and coverage starts. The benefit of a short wait is appealing to those who are concerned about death or who worry about family if an accident occurs.

Beyond the convenience of a shorter wait for coverage, the policy is excellent for those who are denied due to health conditions. Pre-existing conditions, such as diabetes, high blood pressure, high cholesterol or sleep apnea disorder, can result in high coverage costs or denied coverage. The insurance company considers the individual a high risk due to medical conditions or high risk activities they may engage in, such as sky diving or rock climbing. These could cause a shorten life expectancy.

A company that does not require medical exams will not ask about pre-existing conditions and whether or not you are current out of work on disabilty in order to assess how healthy you are. As a result, it is possible to gain coverage when other companies have denied coverage due to medical reasons.

The ease of getting the insurance is the key benefit of term life without medical exams. The exams take time, require doctor s visits and might result in getting denied after the paperwork is finally completed. This type of policy is guaranteed because health conditions are not a factor in the decision to provide coverage.

Disadvantages of Coverage:

Despite the positives of getting coverage without a medical exam, individuals and families will have some downsides to consider. The disadvantages of the coverage are part of making a decision based on personal requirements for coverage options.

The key disadvantage is the additional cost. In most cases, the price of coverage is higher than the cost of options that require a medical exam. The cost of term life insurance without a medical exam will often depend on factors like age, whether an individual smokes cigarettes and the length of the term selected. It will be higher than the same policy with an exam, but the guarantee of acceptance is sometimes worth the slightly higher cost.

Another downside is finding the appropriate policy for personal needs. Every policy is different and not all policies that do not have a medical exam will fit individual requirements.

Life insurance does not always require a medical exam. The key is finding a policy that right for personal needs and that fits an individual budget.

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No Medical Exam Life Insurance Simple Application

A No Medical Exam Life Insurance policy with just a simple application can now be purchased from the comfort of your own home. Getting traditional life insurance can be time consuming, involving multiple steps that can wind up distracting our attention from our required routines. If you work long hours, travel a lot or have a difficult schedule, you may be avoiding the perceived hassle of getting a policy. Life Insurance is a viable modern day option.

A No Medical Exam Life Insurance policy means people can receive real coverage, without having to provide blood and urine for testing. With No Medical Exam Life Insurance, you only have a simple application.

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Getting Educated About No Medical Exam Life Insurance Simple Application

For those of us living very busy lives, we need to learn about No Medical Exam Life Insurance because it helps us to get the process over with in a way that causes the least amount of interruption to our lives. The ease of getting Life Insurance No Medical Exam Simple Application coverage assures that you won t be forced to delay getting insured just because you lack the necessary time to give the purchase your full attention.

No Appointments Required

Typically, to get a life insurance policy, you have to qualify by passing a basic medical exam. Of course, this often means making an appointment with a doctor, providing a urine sample, and having blood drawn. Another option is that that an insurance company hires a private nurse to visit you and home in order to draw your blood and take a urine sample. Naturally, this means finding the mutually available time span that would allow for an appointment.

No Medical Exam Life Insurance Policy

Your loved ones deserve the security of knowing they are protected, and obtaining a No Medical Exam Life Insurance policy with just a simple application can be tangible evidence of your caring concern for their welfare. If you don t like needles and do like the simplicity and convenience of getting insurance without being examined, No Medical Exam life insurance Simple Application can be an attractive option.

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No Exam Life Insurance

Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

Save time and hassle.

Term life insurance quotes no medical exam

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No Exam’ vs ‘Guaranteed Issue

A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

Is a No-Exam Policy Right for ME?

Yes. If you desire convenience and speed at a fair price.

Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

“Why not a fully underwritten policy with an exam; isn’t it a better price?”

Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


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No Exam Life Insurance

Getting life insurance without a medical exam makes sense for someone in good health. The cost for a no exam policy for a healthy person varies little from a policy that requires an exam. You may even qualify for preferred rates, making a no exam policy an even more suitable option for you. Most people opt for term life insurance with no medical exam when looking for this type of policy.

A No Medical Exam Life Insurance Policy saves you time and eliminates the hassle of having to get a medical exam. Plus, while a fully underwritten policy will take 4-6 weeks to issue, a no exam life insurance policy can issue in as little as 15 minutes to 48 hours. Not 4-6 weeks like a fully underwritten policy.

Save time and hassle.

Term life insurance no exam

Get Instant Quotes

Get the Best No Exam Life Insurance Quotes

No Exam’ vs ‘Guaranteed Issue

A common misconception about a no exam life insurance policy is that most people think because it says “no exam” that they’ll automatically qualify for this type of policy, this is not true. There are types of policies that everyone can qualify for, no matter the state of health, those are called ‘Guaranteed Issue’ policies and are much different from a No-Exam policy. You can learn more about guaranteed issue life insurance here.

With No-Exam policies there is underwriting. Insurance companies that offer No Medical Exam options run reports from the medical information bureau, an RX report (which lets them know the medications you take), and check your driving record with a motor vehicle report. If something raises a red flag, various companies may order Doctor Records to make sure you’re a good risk.

Take a look below. We have all the guidelines from every no exam life insurance company. Compare the details of what they offer all in one place. We’ve made it the even more of a time-saving and less-hassle option for you, by offering a quote engine that shops just the insurance companies that offer ‘No Medical Exam’ options.

Is a No-Exam Policy Right for ME?

Yes. If you desire convenience and speed at a fair price.

Prices have really become competitive as more companies begin offering no exam insurance options. This policy option is the best route to go, especially if you’re thinking of a policy at a value level of $500,000 and below considering you will not have to take an exam.

“Why not a fully underwritten policy with an exam; isn’t it a better price?”

Not necessarily. It could very easily come back at a higher price than you expected. You might think that you can get a better price by going the fully underwritten route and submitting to a Medical Exam, but that’s not for certain. You take a risk by going through an exam. Most of the time, when the exam is completed, the insurance company can find things wrong with you that you weren’t even aware of, especially if you have been healthy and haven’t seen your MD in a while. Things like – “Your cholesterol levels and ratios are high.” Or, “Your blood pressure is high,” and “You have high protein levels in your urine.” You tend to be a little heavier and shorter than you think. (You’re not alone, that’s most people, it s why the companies do what they do.) When the insurance company finds these things, typically you won’t be getting the preferred rate class you originally thought you were when you applied for the policy.

The number one reason people don t follow through with buying life insurance is that of how long it takes to get the policy issued. For fully underwritten policies you have to complete the application. You have to go through a medical exam. Then you have to wait weeks, sometimes months, for an underwriting decision. Altogether this can take, from start to finish, a total of 4- 8 weeks. Then after the policy is approved, if it’s approved, then you’re looking at another two weeks in turnaround time, with mailing the policy and signing all the delivery receipts, etc. Simply put, the fully underwritten options can take a long time to get the coverage you want.

With a No Exam life insurance policy the life Companies give you the benefit of the doubt, and go by medications history and MIB reports, to make sure you are healthy. The policy level is decided on your health history and the way you live your life, not on the counts and measures obtained from a one-time exam.


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Companies Offering Life Insurance Without a Medical Exam

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Life insurance without medical exam

Best No Medical Exam Life Insurance Companies

If you have avoided getting life insurance because you don’t have time for the physical, then you will be interested in life insurance with no medical exam.

These policies are readily available, very affordable and extremely convenient. Made for people who don’t have time or the desire to sit through a health exam, they are available from several companies. Here are just a few plans worth considering when you are ready to invest in life insurance without medical exam.

Life insurance without medical exam

Assurity Life Insurance

With coverage levels between $50,000 and $350,000, these are attractive term life insurance policies. Designed for people between 18 and 65.

Assurity Life also offers a Simplified Issue Whole Life policy with a max face amount of $50,000 for people ages 0-65. At ages 66 to 80, the max amount of coverage available is $25,000.

These applications are taken over the phone and then you sign electronically. Decisions normally take about two weeks.

Life insurance without medical exam

Fidelity Life Insurance

They have three types of plans to choose from:

Rapid Decision: is for people age 18 to 65 and offers coverage levels between $25,000 and $250,000. Applications are completed over the phone with an agent, and you must be in good health to apply.

Hybrid policies: are also for people between 18 and 65. Choose between $50,000 and $1,000,000 in coverage when you complete the application over the phone. Some health issues are acceptable, but the plans start out as a combination of “all cause” life insurance and “accident only” coverage.

Senior term life policies: are only for people between the ages of 50 and 70. The coverage levels are between $10,000 and $50,000, and it’s okay if you have some medical conditions. Applications are taken over the phone. It’s important to note that full coverage will not kick in until year 4. During the first 3 years only accidental death is covered.

Life insurance without medical exam

American National Life Insurance (ANICO)

This policy offers faster approvals with most people receiving an answer in just three days or less. However, you must be in good health to receive approval through their strict underwriting system. They do have some of the lowest rates available if you are in good health and do not have other risk factors.

Applications are taken over the phone and then you sign electronically, or you can send in a paper application. Coverage levels are between $50,000 and $250,000, and they are designed for people between 18 and 65 years of age. Term and Universal Life Insurance policies are offered.

Life insurance without medical exam

Mutual of Omaha

Available for people between 18 and 65 years of age, this life insurance with no medical exam can be applied for over the phone and then you sign electronically.

The maximum amount of coverage they offer without a medical exam is $250,000. It takes two weeks for approvals, but they accept health conditions and risks that other companies avoid.

Individuals under age 80 can purchase whole life insurance, also known as final expense insurance up to a maximum of $40,000. These policies usually take 2 weeks for approval. Once approved, the rates and coverage amount are guaranteed for lifetime. The policy benefits begin immediately for both illness and accident. Mutual of Omaha is usually the best priced final expense policy for health individuals.

Life insurance without medical examSagicor Life Insurance Company

Sagicor Life Insurance Company offers term life insurance no medical exam up to a maximum of $400,000. The term lengths available are 10, 15 and 20 years. They also offer No Lapse Universal Life Insurance up to $400,000. Both policy types require individuals to be ages 65 or younger. They are more strict than others with underwriting, but they do approve healthy individuals within minutes of submitting the application.

Life insurance without medical examPrincipal Financial Group

Principal Financial Group has a new underwriting process called “Accelerated Underwriting”. This new underwriting process allows individuals ages 18-60 that are eligible for the two best rate classes, Super Preferred and Preferred to purchase up to $1,000,000 of life insurance coverage with no medical exam.

This is full coverage that covers both accident and illness. All term lengths and policy types are available. You can get term insurance and universal life insurance with no medical exam if you qualify.

Life insurance without medical examAetna / American Continental Insurance Company

American Continental Insurance Company is a company owned by Aetna, which is one of the the largest health life insurance companies in the nation. This policy has been made specifically for seniors up to age 85. This is a whole life policy also known as final expense life insurance. The policy amounts available are from $5,000 up to a maximum of $25,000.

This product is unique because it will approve individuals that most companies will decline. Most applications are approved within minutes of submitting them. If you have been declined by other final expense life insurance carriers, you may want to give Aetna a try.

Gerber Life InsuranceLife insurance without medical exam

Gerber Life Insurance offers Guaranteed Issue Life Insurance. No medical questions are asked and you can not be denied. This policy is for individuals ages 50-80 with severe medical conditions. This is a whole life insurance policy that offers a maximum of $25,000 of coverage.

Since this life insurance company is willing to take a greater risk on who they insure, the premiums are higher and you will have a 2 year waiting period before the policy will cover death by illness. This is the last resort if you are unable to get life insurance with any other company. However, it certain has it’s place because some life insurance is better than nothing at all!

Applying for Life Insurance without Medical Exam

When applying for Life Insurance with No Medical Exam coverage, it’s important to remember that you must answer questions honestly.

No medical exam life insurance companies will look at your medical history, and they reserve the right to refuse coverage if you have answered questions dishonestly. In addition to looking at your medical history, they will also pull a motor vehicle report to see if you have dangerous driving habits, and they will pull a pharmacy report to see what prescription medications you take.

While there are more affordable options for insurance, there are times when life insurance with no medical exam is the best choice.

  • If you need coverage immediately and don’t want to wait for a traditional policy, then it is the right choice.
  • If you haven’t been to the doctor in more than two years, then this could also be the best option since you aren’t sure what a health exam would show.
  • Finally, it’s the right insurance if you simply don’t like needles or don’t have time for the appointment.

If you re shopping for term life insurance no medical exam, contact us to get cheap life insurance without medical exam free quotes by answering few simple health questions 1-888-773-1181



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For life’s simpler needs.

Life insurance online in minutes.

  • Affordable term life insurance $10,000 to $50,000
  • No medical exam or lab work. just health and other information
  • It’s easy to apply by mail or complete your application online

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To get a quote by phone, please call New York Life at 1-800-361-1741.

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Designed for shorter term needs, term life provides life insurance protection for a specific period of time.

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Coverage that can last for life— up to $15,000 without answering any health questions or taking a medical exam.

New York Life offers a range of coverage amounts and solutions including:
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Includes details on costs, eligibility, renewability, limitations and exclusions.

Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

The licensed life insurance agent is Philip Cavan (Arkansas #300260, California #0F23862).

Maine Residents: A buyer’s guide and policy summary are available upon request.

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#

A paralegal meeting the minimum criteria for the exam should be able to use logical thought processes, elimination of incorrect answers and their expertise in the basic legal principles to correctly answer the test questions.

NFPA has developed many study tools to assist candidates preparing for the exam. Even an experienced candidate should thoroughly review the PACE Study Manual published by NFPA (available at www.paralegals.org) prior to taking the exam. Each chapter includes sample test questions with detailed explanations of the logical process to deduce the correct response.

Examinees also should review other sources, including paralegal textbooks, seminar materials, flash cards and bar charts for law students, and paraпїЅlegal journals such as The National Paralegal Reporter and Legal Assistant Today. In addition, NFPA offers a 50-question online practice exam that simulates test conditions.

NFPA encourages candidates to participate in a study group if possible. Study groups are organized at the local level, although NFPA can assist by providing sample guidelines, a sample syllabus and other information to help the study groups prepare for the exam. Study groups can be as formal or informal as the participants want. NFPA recommends that study groups meet at least once a week and follow the suggested syllabus over a seven- to eight-week period, although they can meet more often or less often. The group can be taught by members taking turns on the various study areas, or the group leader can solicit speakers from the legal community.

Study groups donпїЅt work for all paralegals. Many find it impossible to study any other way but individually. Recognizing that study groups are not an option for many paralegals, NFPA partnered with the American Institute for Paralegal Studies to offer a seven-week, online study course for PACE. This review course includes mentoring, discussions, homework assignments and online lectures, and ultimately provides a structured form of study. It also encourages a disciplined approach to study that many paralegals find difficult to maintain if they study on their own. The online course is available to anyone with an Internet connection and can be accessed any time. Many RPs credit the course for their success on the exam. The review course is offered several times a year, and more information is available at www.paralegals.org/displaycommon.cfm?an=1 subarticlenbr=125.

RPs must meet CLE requirements, which include ethics training, to maintain their certification. RPs must renew their certification every two years and provide evidence of at least 12 hours of CLE (approved by the CLE coordinator on a case-by-case basis unless the CLE credits were obtained from a previously approved provider, e.g. bar associations, colleges and universities, etc.). At least one hour of CLE must be in ethics.

Making the Commitment

The single most important resource a PACE candidate can take into the test facility is the desire to become an RP. Making the commitment to take PACE is not something to be taken lightly or forced on anyone. The exam is voluntary, and candidates must be in the proper frame of mind to succeed. They must be confident of their skills and knowledge, but shouldnпїЅt approach the exam in an overconfident manner either.

Why should a paralegal take PACE? The reasons are as varied as the 500 plus RPs who have passed the exam to date, but they generally fall into the following categories:

Career paralegals want to validate their expertise by taking a nationally recognized certification exam;

In the absence of regulation, or with regulation on the horizon, paralegals want to establish their own identifiable standards of professional excellence;

National certification provides a sense of professional accomplishment;

Certified paralegals can gain recogпїЅnition and respect from peers;

Certified paralegals can enhance their marketability and stand apart from the rest of the uncertified paralegal workforce; and

Some employers offer higher salary levels or bonuses for certification.

Paralegals who face their fears and pass the exam gain a huge sense of professional pride and accomplishment. They are authorized to use the trademarked phrase пїЅPACE Registered
ParalegalпїЅ or пїЅRP.пїЅ Some RPs enjoy increased pay, promotions or new job opportunities. Some find themselves in positions of additional responsibility within their place of employment and take on leadership roles within the paralegal community. At a minimum, many new RPs note the increased peer recognition that comes almost instantly with the announcement of their certification.

One of the most important reasons to become an RP is that you want to become certified. Having a positive attitude is as critical to passing this exam as work experience and study. There are many resources to help prepare for the exam. With proper preparation and the right motivation, itпїЅs possible to pass PACE. For more information about PACE, please visit the NFPA Web site at www.paralegals.org and click on пїЅPACE/RP.пїЅ

By Stacey Hunt, CLA, CAS

When it comes to test time, if possible, find a place to stay near the exam site the night before the exam so you donпїЅt have to rush in on the morning of the test. Allow yourself the luxury of being able to do some last minute review the night before without staying up late.

Here are some additional recommendations:

Take vacation time the week before the test to prepare.

Transcribe handwritten notes from study group classes and create flash cards for quick and easy review.

Study a little at a time and donпїЅt focus on the whole exam.

Be prepared physically as well as mentally by getting plenty of sleep before the exam and eating well.

Stacey Hunt. CLA, CAS, is a freelance paralegal in the San Luis Obispo. Calif. area. She is the co-author of пїЅHot Docs and Smoking Guns: Managing Document Production and Document OrganizationпїЅ (Clark, BoardпїЅman, Callaghan, 1994) and пїЅThe Successful Paralegal Job Search GuideпїЅ (West, 2000). Hunt taught legal writing and ethics for the paraпїЅlegal studies program at California Polytechnic State University in San Luis Obispo. and is a past president of the California Alliance of Paralegal Associations. She is working on a new book for Delmar Publishing on evidence management for paralegals, due out in July 2007.

Ann W. Price. RP, is the vice president and director of PACE and serves on the board of directors for the National Federation of Paralegal Associations. She is employed as a litigation case manager in the Washington. D.C. office of Patton Boggs. Prior to election to the national board, Price served as the assistant coordinator for PACE Ambassadors for three years and was the National Capital Area Paralegal AssociationпїЅs PACE Ambassador for six years. She is a member of the International Paralegal Management Association, serving on the IPMA Task Force on Paralegal Utilization. Price received both her undergraduate and graduate degrees from Old Dominion University in Norfolk. Va. and her paraпїЅlegal certificate from Merritt College in Oakland. Calif.



Whole Life Insurance with No Medical Exam #getting #a #whole #life #policy #without #a #medical #exam,life #insurance #rate,life #insurance #rates,rates #on #life #insurance


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Getting a Whole Life Policy Without a Medical Exam

Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

The Benefits of Skipping a Medical Exam

There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

What a No Exam Policy Will Cost You

Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

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All other trademarks and copyrights are the property of their respective holders.

LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.



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General Business

Business moves faster than ever these days, and Excelsior College is keeping pace with the times.

Our flexible, competency-based Bachelor of Science in Business (General Business) degree program will enable you to finish sooner at a lower cost than almost anywhere else.

Specifically designed for adult students with busy lives and competing responsibilities, Excelsior’s online business BS degree program lets you put together a personalized program of study that builds on what you know. This bachelor’s in business concentrating in general business is geared to meet current employer needs and give you an advantage in the job market.

Competency-based education (CBE) at Excelsior allows you to earn your BS in Business through a personalized program of study that combines course-based learning, independent study, and earned external credits.

  • Course-based learning refers to Excelsior’s 8 or 15-week online courses in business and other subjects that are directly informed by current trends in workforce development.
  • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can also simply test out of subjects you’ve already mastered.
  • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

Meet your degree requirements in whatever combination of options works best for you, then take the capstone in which your competency will be evaluated through a series of business projects, simulations, and summative exam.

  • Transfer more credits to lower the cost of your BS in Business.
  • Take 8 or 15-week online business classes that fit your schedule.
  • Access financial aid, flexible payment plans, and other assistance to make college more affordable.
  • Earn a business degree accredited by the International Assembly for Collegiate Business Education .

You can also use financial aid and flexible-payment options to fit this bachelor’s in business concentrating in general business into your budget. Find out just how affordable an Excelsior bachelor’s degree can be .

A Flexible, Convenient Business Degree for Working Adults

Excelsior’s Bachelor of Business degree is accredited by the International Assembly for Collegiate Business Education . Our online business classes are taught by experienced educators from some of the nation’s leading business schools. You’ll get a complete, rigorous foundation in business processes and principles, including:

  • Accounting
  • Management
  • Marketing
  • Law
  • Business strategy
  • Computers
  • Organizational behavior

With an accredited bachelor’s degree from Excelsior . you can pursue a wide range of professional and educational opportunities, including small business ownership, consulting, administration and management, graduate school, and law school.

IACBE Specialized Accreditation

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

Associate and Bachelor’s Programs FAQ

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Albany, NY 12203-5159

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2000 M Street NW
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Washington, DC 20036

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Constitutional Law
Batson is back [MCLE]
For only the second time in over 25 years, the California Supreme Court has found that a peremptory challenge violated the constitutional prohibition against racial discrimination in jury selection. By Laura Kelly and Mai Linh Spencer

Constitutional Law
Courts diverge on commercial speech [MCLE]
Recent U.S. Supreme Court decisions have granted ever-increasing First Amendment protection to commercial speakers. The 9th Circuit, however, seems to be moving in the opposite direction. By Richard A. Samp

Internet Law
Maintain immunity under the Communications Decency Act [MCLE]
What should you do if users start using your client’s website to post hateful, obscene or defamatory comments and images? User-posted content can damage your business image and, with the wrong set of facts, result in legal liability. By Matthew Lubniewski and Samantha Beatty

Evidence
Character evidence in civil cases [MCLE]
The objective of this article and self-study test is to review basic legal principles affecting the admissibility of character evidence in civil litigation. By Elia V. Pirozzi

Discovery
Maintain professionalism in depositions [MCLE]
To avoid the ire of the court and serious sanctions, attorneys taking and defending depositions should conduct themselves as if they were speaking before a judge. By J. Randolph Evans and Shari Klevens



Psychology – Undergraduate Degrees Online – Online – Distance Degrees, Oregon State Ecampus, OSU Degrees Online, site edu psychology exam.#Site #edu #psychology #exam


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B.A./B.S. in Psychology – Online

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Now accepting students for winter 2018. Classes start Jan. 8.

Oregon State University’s online psychology degree program provides an understanding of not only why humans behave, think, or feel certain ways, but also to derive how they behave, think, or feel these ways. Both the scientific and humanistic perspectives of psychology are addressed, providing an appreciation of human diversity and the value of the empirical approach to identifying, understanding, and solving complex problems.

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Ecampus students share their experiences of how combining community college course work with their OSU online degree program helps them balance their life demands.

Through rigorous course work, students acquire knowledge and skills in written and oral communication, scientific methodology, critical and creative thinking and problem solving skills.

This degree program is offered through OSU’s College of Liberal Arts, which is ranked No. 1 in the nation for best online liberal arts colleges. The courses are delivered online by OSU Ecampus.

Top-ranked program

The quality of programs and diverse offerings continually rank OSU Ecampus as the top provider of online education. In 2015 the B.A./B.S. in Psychology program was recognized as the sixth best online psychology bachelor degree by “The Best Schools” and “Open Education Database.” Both organizations evaluate program based on quantifiable factors important to the student: cost, faculty ratio, financial aid, acceptance, retention, graduation, and job placement.

Advantages of an Oregon State University online degree

  • All classes are developed by OSU’s renowned faculty, who are known worldwide for their research, expertise and innovation.
  • OSU is regionally accredited by the Northwest Commission on Colleges and Universities.
  • Enhance your degree with a minor. Ecampus offers a diverse selection of online minors.
  • Online students receive the same diploma as on-campus students.
  • Students can study from anywhere in the world with an Internet connection.

With more than 1,000 online courses in more than 90 subjects, discover how OSU Ecampus can turn your passion into a lifelong career.

We’re here to support you

We understand that there is more involved to being a student than just completing a class. Oregon State Ecampus offers a full range of support services to help our students be successful, such as online tutoring, career services, library services and disability access. Plus, every degree-seeking student has an academic advisor to offer guidance in selecting courses and staying on track for graduation. If you need assistance, please contact Ecampus by email or call 800-667-1465 Monday through Friday between 8 a.m. and 5 p.m. PT.

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Term Life Insurance Quotes Online – Instant – Private Quotes, life insurance health exam.#Life #insurance #health #exam


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Find the best life insurance rates, instantly.

Term Life Insurance Quotes

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10-year term life policy for less than $35 a month*

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15-year term life policy for less than $27 monthly*

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At Intramark Insurance, home of LifeInsure.com, our goal is to provide you with accurate instant life insurance quotes for highly-rated insurance companies.Our easy-to- use online quote engine allows you to compare term life insurance and universal life insurance quotes online instantly, without having to speak to an agent.

However, if you do want to speak to a live professional, our licensed agents are available to answer your questions. The experts behind LifeInsure.com are licensed professionals who have more than 20 years of experience in the industry.

GET INSTANT TERM QUOTES WITHOUT COMPROMISING YOUR PRIVACY

Your privacy matters to us! Our instant life insurance quote tool is designed so that you are not required to divulge private, personal contact information in order to receive the quotes you are looking for. Other companies have quote engines that require your name, your contact information and other sensitive details before you can view the quotes. We don’t ask for that information unless you decide to apply for a policy.

With honesty and integrity, we offer access to our database in a pressure-free manner. We will never sell or give your information to any other entity other than to those that require information for the application process. Only when you decide to apply for a policy will we ask for this information, as required as part of the life insurance application process.

WE WORK FOR OUR CLIENTS – NOT FOR ONE INSURANCE COMPANY

You’ll find that the information given with our life insurance quote tool is easy to understand, with quick and accurate details. Our system factors in criteria from insurance companies that underwriters use, so our quotes are the most accurate life insurance quotes available online.

For tips, suggestions, and life insurance news, be sure to visit our Education Center. There, you’ll find valuable information that will help you understand life insurance options and help you to choose the best policies to suit your needs, your budget, and the needs of your family.

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We don t ask for your personal contact information in order for you to have access to our database of life insurance quotes.

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Recent Blog Post

How Your Lifestyle can Affect Your Life Insurance Rates

Life insurance health exam

For consumers who sincerely understand their need for life insurance but have rather risky lifestyles, they are likely to be surprised that what you do for fun can have a significant impact on how much you pay for life insurance. Most people understand the ongoing relationship between insurance and risk. Continue reading How Your Lifestyle can Affect Your Life Insurance Rates

September is National Suicide Prevention Awareness Month

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Suicide Prevention Awareness and Helping Those in Need September is best known for back-to-school and the end of the summer season, but it’s also National Suicide Prevention Awareness Month. Suicide continues to be a rampant problem here in the United States and abroad. According to the Center for Disease Control Continue reading September is National Suicide Prevention Awareness Month

14 More Things You Probably Didn t Know about Death

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As a follow up to our post, The 19 Things you Probably didn t Know about Death, here are 14 additional things you might not know about death: Your Doctors Sloppy Handwriting Could Be the Death of You According to a 2006 report from the National Academies of Science s Institute Continue reading 14 More Things You Probably Didn t Know about Death



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Electronics

An electronics degree can provide a positive jolt to your earning power and career potential. Plug in to these benefits at Excelsior College with an online Bachelor of Science in Electrical Engineering Technology (Electronics) .

One of the nation’s top educators of working adults, Excelsior enables you to earn an accredited, online electrical engineering degree quickly, conveniently, and affordably. You’ll do it by:

  • Taking online electronics courses on your own schedule, so they don’t interfere with work and family commitments.
  • Maximizing the value of your transfer credits from accredited colleges, leaving you with fewer courses to complete the bachelor’s of electrical engineering technology degree.
  • Earning academic credit for eligible forms of military training and job experience.
  • Paying affordable tuition and low student fees that fit within your budget. (What will it cost? Get the hard numbers. )
  • Getting outstanding academic support from Excelsior’s award-winning advisors.

A Flexible, Affordable Path to an Accredited Electrical Engineering Degree

With accreditation from ABET, Excelsior’s online bachelor’s of electrical engineering technology program meets the highest standards of academic quality and rigor.

You’ll take dynamic courses that reflect the most up-to-date industry practices and are led by first-rate professors with many years of professional experience. Excelsior’s online electrical engineering technology degree program cultivates expertise in subjects such as:

  • Digital electronics
  • Microprocessors
  • Business data communications
  • Computer programming
  • Control systems

See why Excelsior’s online electrical engineering program stands apart from the competition.

Minimum of 124 credits: 60 in arts and sciences, 57 in the technology component (including 16 upper level), and 7 in free electives including information literacy.

See the degree requirements in chart form.

As an Excelsior College bachelor’s level electrical engineering technology (electronics concentration) graduate, within a few years of graduation, you are expected to:

  1. Apply general and discipline-specific concepts and methodologies to identify, analyze, and solve technical problems in the electrical discipline.
  2. Demonstrate an individual desire and commitment to remain technically current with, and adaptive to, changing technologies through continuous learning and self-improvement.
  3. Demonstrate independent thinking, function effectively in team-oriented settings, and maintain a high level of performance in a professional/industrial environment.
  4. Communicate effectively in a professional/industrial environment.
  5. Perform ethically and professionally in business, industry, and society.
  6. Attain increasing levels of responsibility and leadership in the electrical field.

Upon successful completion of the Excelsior College Bachelor of Science in Electrical Engineering Technology with an Electronics Concentration, the graduate will be able to:

  1. Analyze and design different types of digital and analog electronic communication systems.
  2. Design, integrate, and analyze digital and analog control systems.
  3. Use high-level computer languages to develop techniques for designing and modeling electronic systems.

The bachelor’s degree programs in electrical engineering technology and nuclear engineering technology are accredited by the Engineering Technology Accreditation Commission of ABET. The bachelor’s degree programs in information technology are accredited by the Computing Accreditation Commission of ABET, www.abet.org. ABET is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA).

Technology Programs FAQ

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7 Columbia Circle
Albany, NY 12203-5159

Washington DC Center
2000 M Street NW
Suite 500
Washington, DC 20036

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Security Certification Training #comptia, #security+, #certification, #security #plus, #jobs, #training, #exam, #salary, #online, #degree, #prep, #boot #camp, #cia


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Security+ Certification

Featured Course:BS-IT: CyberSecurity (Kaplan University) | Highlights: Advanced Information Security Training, Ethical Hacking, Prep for Hot IT Certifications from CompTIA, EC-Council, (ISC)2, GIAC and. COURSE DETAILS

CompTIA Security+ Certification demonstrates foundational IT security knowledge.

Security+ certification proves an IT security professional’s competency in topics such as system security, risk management, network infrastructure, access control and organizational security.

Security threats are increasing exponentially in number and severity, and the skills gap between information security jobs and qualified IT security personnel is one of the largest of any technical specialty. Add to this the fact that numerous studies and salary surveys have proven that even in a troubled economy, most businesses plan to maintain or increase their spending on computer security personnel, and it’s no wonder that Security+ is one of CompTIA’s most demanded certifications.

Skills Measured by Security+ Certification

Passing the CompTIA Security+ certification exam validates your ability to:

  • explain the security functions of common network devices and technologies
  • apply and implement secure network administration principles procedures
  • implement and configure a wireless network in a safe and secure manner
  • identify security threats and perform risk mitigation activities
  • understand applicable policies, laws and regulations of IT security
  • explain the impact and proper use of environmental controls
  • understand data cryptography and can apply cryptographic tools
  • explain the concepts of user authentication, authorization access control
  • exemplify the concepts of data Confidentiality, Integrity Availability – a.k.a. the “CIA Triad”
  • identify and analyze common attacks, e.g. social engineering, malware, application wireless attacks

Download the CompTIA Security+ Exam Objectives for a more detailed curriculum.

CompTIA Security+ Certification Exams

You must pass one exam to become Security+ certified:

  • CompTIA Security+ Certification (Exam code SY0-401)
  • Includes Certification Preparation for:
    • CompTIA A+, Network+ Security+
    • Cisco Certified Network Associate (CCNA)
    • MCSA: Windows Solutions Associate
    • MOS: Word, Outlook, PowerPoint Excel
  • Prepares Graduates for Entry-Level Jobs in Network Administration and IT Support
  • Microsoft Windows Administration Training
  • Cisco Network Design and Management
  • Network Security and Digital Forensics
  • Intro to Web Development Programming
  • Includes Certification Preparation for:
    • CompTIA Cloud+ and Linux+
    • VMware Certified Professional (VCP)
    • Dell EMC Info. Storage Associate (EMCISA)
    • Microsoft MTA Certs in Database, Security Cloud Fundamentals
  • Prepare for In-Demand Roles in Cloud Computing, Networking and Virtualization
  • IT Network Setup, Security and Support
  • VMware Enterprise Application Deployment
  • Design Manage Innovative Cloud Solutions


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  • Includes Certification Preparation for:
    • CompTIA A+, Network+, Security+, Linux+ Project+
    • Cisco CCNA and CCNA Security
    • CIW Site Development Associate
  • Design, Manage and Secure Cisco Computer Networks and Telecommunications Systems
  • Configure Support Windows Servers and PCs
  • Plan Design Access Control Strategies
  • Develop Secure Web-Based Applications


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  • Prepare to Lead Organizations in the Planning, Development, Operation Management of IT
  • Applied Managerial Accounting, Economics, Finance, Marketing Decision-Making Courses
  • Led by Real-World IT Management Practitioners
  • Use IT to Foster a Real Competitive Advantage
  • Learn to Manage Relational Database Systems
  • Networking Telecommunication Management
  • IT Innovation’s Impact on Strategy Operations
  • IT Team Leadership Professional Development

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What is the ECDL Qualification?
Overview of the ECDL Certification,

The ECDL (Europe Computer Driving License) certification is a highly recognised qualification, it offers you a key recognition of your literacy in computer skills and is designed for novices or casual computer users and will get you to a high computer literacy standard. The ECDL Certification is the fastest growing IT user qualification in over 125 countries, with many UK companies setting the ECDL as a mandatory requirement, such as the NHS and the Police Service of Northern Ireland .

Without basic computer skills one can be quite cumbersome in the office, limiting their roles and value. Some employers or companies may not even consider you as a candidate without a reasonable level of computer skills. The ECDL certification training is designed for novices or casual computer users that will take learners to a high computer literacy standard by improving your knowledge on these key areas:

The approximate study time for the ECDL course (excluding the MOS Excel 2016) is 40 hours.

Our ECDL Online Course has been updated and is brand new for 2017 and features the latest version of Windows and Microsoft Office so that you are learning the most up to date features and get the most relevant information.

By gaining an ECDL certification you or staff in your company will become more confident and efficient in using computers and the ‘industry standard’ Windows programmes such as Word, Excel and PowerPoint as well as greater employee motivation, increased productivity and reducing time wasted on solving computer related tasks. An extensive number of companies in the UK have already set ECDL as the benchmark for computer skills, including NHS. HSBC and Sainsburys.

*We are also offering our MOS Excel 2016 Course as a part of this package! Since the ECDL course will introduce you to the fundamentals of spreadsheets, the Microsoft Office Specialist (MOS) Excel 2016 course allows you to build upon your knowledge previously gained at the ECDL level. MOS certifications are one of few certifications that are globally recognised throughout the world!

Not sure if this is the right course? Not a problem! We also offer a demo of the MOS Excel 2016 (amongst our ECDL modules) so you can have a taster of this course to see if it’s right for you.

or Free phone 0800 622 69 69 and see how we can help with your ECDL career today.

Have a question about ECDL?

Let our Lecturers and Career Instructors hear it or;
Explore the ECDL Certification now and unravel it yourself:

Careers and Jobs opportunities with the ECDL

The ECDL is a widely recognised office qualification and has become the computer literacy standard for many organisations, such as the NHS. Here’s a breakdown of the range of career entry opportunities new candidates may enjoy:

  • Office Admin/Data Entry
  • Healthcare
  • European IT Trainer
  • IT Trainer Microsoft Office
  • Secretarial
  • Bookkeeper
  • IT Support Administrator
  • Financial Auditor

Microsoft Office taught programs, as part of the ECDL training package – i.e. Word, Excel, PowerPoint – will help advance your career by giving you a crucial competitive edge for achieving success. Studies show that employers are more likely to hire candidates with these computer skills.

or Free phone 0800 622 69 69 and see how we can explore and map your IT career together.

Here at ecdluk.co.uk we want to ensure you get the best training experience for the best price. Our state of the art online classrooms make sure you get the best learning experience while finishing your certification the shortest amount of time possible. While working through your ECDL course we offer 24 hour support 7 days a week and incase you get really stuck you can call our tutors for a 1on1 chat whenever you need.

By becoming a student with us you gain access to the NUS Student Discount Card. Exclusive student discounts including Apple store, ASOS, Co-op food, Amazon, Microsoft softwares, Cineworld, Odeon, EasyJet, Matalan, Superdrug, The AA, National Express, Three Mobile, Riley’s, Domino’s, Pizza Hut, McDonalds, the list goes on!

After finishing your ECDL we send you a certificate of completion as proof of your new found computer literacy skills to your current employer or working with JobcentrePlus and our Recruitment Partners, we will work with you to help find the job you’ve been looking for.

Get on the right path to success today using an ECDL Certification from ecdluk.co.uk. If you have no qualification or background in IT, the ECDL is perfect for you and we will provide you with the necessary training for the experience required. For existing IT professionals or ECDL holders, we can upgrade your ECDL qualifications and improve your career prospects with such as the ECDL Advanced and MOS (Microsoft Office Specialist) qualifications.

Is the ECDL Accreditation right for you?

Will it take you to the job or career that you’d like to explore? If you are unsure or have a drop of doubt, we highly recommend that you experience our trial courses and assessments to get an accurate insight into the ECDL and it’s modules. This is the perfect starting point to see which courses are best for you!

The right ingredients for your training is crucial for your chances to get certified and employment success.

Your future performance, interviews, decisions and abilities will be largely affected by your training experience. The ECDL certification training is designed for novices or casual computer users and will get you to a high computer literacy standard. The ECDL is the fastest growing IT user qualification in over 125 countries.

The unique training offered directly from us will ensure that you get the full comprehensive training, the right lecturers, labs and equipment and have everything you need at your disposal to get certified and create a career from your new profession.

In order to achieve the ECDL certification, individuals must pass a test for each of the 7 modules. ECDL Module 1 is a theoretical test of computing knowledge at a general level, while modules 2-7 are predominantly practical skills tests.

Upon passing your training and ECDL tests you will receive a course completion certificate which you can show to potential employers. The ECDL is recognised throughout professional IT industries and communities inside Europe.

Microsoft Office taught programs, as part of the ECDL training package – i.e. Word, Excel, Powerpoint – will help advance your career by giving you a crucial competitive edge for achieving success. Studies show that employers are more likely to hire candidates with these computer skills.

We have helped hundreds of students to reach their goal, obtaining jobs and certifications and an immense understanding of IT that some had thought unattainable. Do not allow your lack of experience or self-confidence deny you from a career in IT – it is a lot easier (and enjoyable too) than most people think.

We know where to plot you on the IT career map and how to set your foot in the door.



Certified Healthcare Documentation Specialist – Association for Healthcare Documentation Integrity #certified #coding #specialist #exam


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The Certified Healthcare Documentation Specialist (CHDS) exam is based on the AHDI Medical Transcriptionist Job Descriptions and the competencies outlined in the AHDI Core Competencies and the AHDI Model Curriculum. It is a voluntary credentialing exam for individuals who wish to become Certified Healthcare Documentation Specialists. The CHDS exam is designed to assess competency in healthcare documentation by determining if a candidate has the core knowledge and skills needed to practice healthcare documentation effectively in a multi-specialty acute care facility, where variable specialties, document types, and difficulty of dictation necessitate an advanced level of clinical knowledge and interpretive ability.

Who Should Earn Their CHDS?

  • Registered Healthcare Documentation Specialists (RHDSs) with a minimum of 2 years’ experience in acute care transcription or multi-specialty equivalent.

CHDS candidates who need to earn the RHDS have two options:1) take the RHDS exam first and upon successfully passing the exam, schedule and sit for the CHDS exam; or 2) schedule and sit for the combined RHDS/CHDS credential qualifying exam (CQE).

Recommendations for Earning Your Credential

  • Possess the knowledge and skills identified as Level 2 in AHDI’s Medical Transcriptionist Job Description
  • Know and understand the exam blue print published in the Credentialing Candidate Guide
  • Assess your knowledge and skills to determine your readiness to sit for the exam
  • Prepare and study for your exam (see available resources )
  • Watch the “CHDS Steps to Credentialing ” webinar recording (available to members; must be logged in)

Students, new graduates, and specialty MTs/healthcare documentation specialists are strongly discouraged from taking the CHDS exam unless or until the candidate has acquired the acute care experience or exposure necessary to demonstrate competency in the domains evaluated on this exam.

About the CHDS Exam

The 120-question CHDS exam consists of multiple-choice questions, fill-in-the-blank transcription against audio, and SRT editing against audio. These assessment types are used to test candidate knowledge, applied interpretive judgment, and advanced editing skills in both knowledge domains represented on the CHDS Exam Blue Print, including: Clinical Medicine and Health Information Technology.

The transcription performance portion of the exam consists of short items employing medical dictation and/or transcription that must be transcribed, proofread, and/or edited. It consists of dictation that is realistic and representative of that encountered under actual working conditions. Dictation is selected for its appropriate medical content. The practical portion of the exam is designed to test a candidate’s knowledge, skill, and ability to practice healthcare documentation effectively in today’s healthcare environment. Emphasis in the practical portion of the exam is more on critical thinking skills rather than keyboarding, research, or other technical skills.

Download the Credentialing Candidate Guide to find out everything you need to know about the credentialing process, such as:

  • Eligibility and Requirements
  • Content Focus
  • CHDS Exam Blue Print
  • CHDS Sample Questions
  • CHDS Frequently Asked Questions (FAQs)

In addition, the Candidate Guide provides detailed information about exam registration, online proctoring, onsite testing, exam preparation, and requirements for credential maintenance and recredentialing.

After Earning Your Credential

Upon successfully passing your credentialing exam, you will be recognized as a Certified Healthcare Documentation Specialist and may use the CHDS designation. You will receive a wall certificate that shows the date through which the credential is valid (renewal date). A CHDS lapel pin may be purchased in AHDI’s online store.

Your CHDS credential will be valid for 3 years. Before your certification expires, you will need to recertify. Recertification requires you to earn a minimum of 30 continuing education credits (CECs) through applicable professional development activities over your 3-year cycle.

If you currently hold an CMT credential (Certified Medical Transcriptionist), the same recertification process applies. The CHDS Bridge Course is for current CMTs who wish to bridge to the CHDS. The course is preapproved for 10 CECs.

Get Started Today!



SQL Server – Common Interview Questions and Answers #sql, #server, #common, #questions, #technical, #answers, #online, #test, #aptitude, #campus, #interview, #exam, #explanation, #tests, #quiz, #pdf, #download, #freshers, #ebooks


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SQL Server – Common Interview Questions and Answers

Why SQL Server Common Questions Interview Questions?

In this section you can learn and practice interview questions based on “SQL Server Common Questions” and improve your skills in order to face the interview, competitive examination and various entrance tests (CAT, GATE, GRE, MAT, Bank Exam, Railway Exam etc.) with full confidence.

Where can I get SQL Server Common Questions interview questions and answers with explanation?

IndiaBIX provides you lots of fully solved SQL Server Common Questions interview questions and answers with Explanation. All students, freshers can download SQL Server Common Questions quiz questions with answers as PDF files and eBooks. Solved examples with detailed answer description, explanation are given and it would be easy to understand. View the solution for the problems with feel and good user interface; easily go through all questions and answers.

How to answer SQL Server Common Questions interview questions?

You can easily answer the interview questions based on SQL Server Common Questions by practicing the exercises given below.

Which TCP/IP port does SQL Server run on? How can it be changed?

SQL Server runs on port 1433. It can be changed from the Network Utility TCP/IP properties.

What are the difference between clustered and a non-clustered index?

  1. A clustered index is a special type of index that reorders the way records in the table are physically stored. Therefore table can have only one clustered index. The leaf nodes of a clustered index contain the data pages.
  2. A non clustered index is a special type of index in which the logical order of the index does not match the physical stored order of the rows on disk. The leaf node of a non clustered index does not consist of the data pages. Instead, the leaf nodes contain index rows.

What are the different index configurations a table can have?

A table can have one of the following index configurations:

  1. No indexes
  2. A clustered index
  3. A clustered index and many nonclustered indexes
  4. A nonclustered index
  5. Many nonclustered indexes

What are different types of Collation Sensitivity?

  1. Case sensitivity – A and a, B and b, etc.
  2. Accent sensitivity
  3. Kana Sensitivity – When Japanese kana characters Hiragana and Katakana are treated differently, it is called Kana sensitive.
  4. Width sensitivity – A single-byte character (half-width) and the same character represented as a double-byte character (full-width) are treated differently than it is width sensitive.

What is OLTP (Online Transaction Processing)?

In OLTP – online transaction processing systems relational database design use the discipline of data modeling and generally follow the Codd rules of data normalization in order to ensure absolute data integrity. Using these rules complex information is broken down into its most simple structures (a table) where all of the individual atomic level elements relate to each other and satisfy the normalization rules.

What’s the difference between a primary key and a unique key?

Both primary key and unique key enforces uniqueness of the column on which they are defined. But by default primary key creates a clustered index on the column, where are unique creates a nonclustered index by default. Another major difference is that, primary key doesn’t allow NULLs, but unique key allows one NULL only.