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PODCAST

Pass Your Life And Health Insurance Exam

Welcome to Minzo Pass‘ ”Pass Your Life And Health Insurance Exam” Podcast. Our podcast was created to help you pass your Life and Health Insurance Exam without stress. Contact: MinzoAcademy@gmail.com or text/call: 202-855-6294Below are helpful links: Book a free consultation Youtube Apple Podcast Spotify Join Waiting List To Pre Order our Life Insurance Prelicensing Courses and Textbooks Purchase Washington DC Life Insurance Prelicensing Text BookPurchase Texas Life Insurance Prelicensing Text

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All Episodes

30:00

10 Unfair Marketing Practices You MUST Know To Pass...

Pass Your Life And Health Insurance Exam ·

2026/09/28

The life insurance exam is NOT hard — but it is extremely tricky. This full training session breaks down one of the MOST important topics on your exam: Unfair Marketing Trade Practices. These questions appear on every state exam and often decide whether you pass or fail.In this lesson, you’ll learn the exact definitions, rules, and real exam traps behind: defamation, rebating, misrepresentation, false advertising, claims practices, fraud, coercion, unfair discrimination, commingling, and

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23:22

Premium Payment Modes Explained — The 5 Ways to Pay...

Pass Your Life And Health Insurance Exam ·

2026/08/28

In this episode of the Pass Your Life and Health Insurance Exam Podcast, you’ll learn one of the simplest but most confusing concepts on your exam — premium payment modes. This TikTok Live replay breaks down the five ways to pay for life insurance (monthly, quarterly, semiannually, annually, and lump-sum) and explains which mode costs more, which one costs less, and which one appears most often on the exam.You’ll also hear real student questions about licensing across states, how to apply for

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29:56

Don’t Take The Life Insurance Exam Until You Learn...

Pass Your Life And Health Insurance Exam ·

2026/07/28

If you’ve been struggling to pass the life insurance exam, this video will change everything.In this session, we go over the 10 test-taking strategies you MUST follow to pass your exam — no matter what state you’re in. These are the exact strategies used by students who went from failing multiple times to passing confidently on their next attempt. You’ll also learn core concepts like third-party ownership, life settlements, viatical settlements, and how ownership rights really work — all explained

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30:00

Stop Fearing Annuities — Principles & Concepts Every...

Pass Your Life And Health Insurance Exam ·

2026/06/28

This lesson breaks down Annuity Principles and Concepts in a simple, clear way so you can finally understand the most confusing part of the exam. You’ll learn the difference between the accumulation period and the annuity (payout) period, how tax deferral really works, and why immediate vs. deferred annuities show up in tricky exam questions.This session features a VIP Minzo Pass student from Maryland reviewing real annuities questions, identifying mistakes, and learning how to avoid the traps that

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23:02

Stop Fearing Annuities — Principles & Concepts Every...

Pass Your Life And Health Insurance Exam ·

2026/05/28

Most students fail the life insurance exam because of one section — annuities — but after this lesson, you’ll understand it for good. In this episode of the Pass Your Life and Health Insurance Exam Podcast, we break down immediate vs. deferred annuities, how single-premium and flexible-premium payments work, and why knowing the 12-month rule can save you from losing points on your life insurance exam.This session also explains nonforfeiture provisions, surrender charges, and flexible premium

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64:29

Stop Fearing Annuities — Principles & Concepts Every...

Pass Your Life And Health Insurance Exam ·

2026/04/28

Most students fail the life insurance exam because they don’t understand annuities — but this class changes that. In this episode of the Pass Your Life and Health Insurance Exam Podcast, you’ll learn the true difference between life insurance and annuities, how accumulation vs. annuitization works, and what it means to protect yourself from living too long versus dying too soon.This episode also explains key exam terms like suitability, tax-deferred growth, and annuitant vs. owner vs. beneficiary —

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34:53

Immediate vs. Deferred Annuities — Know the...

Pass Your Life And Health Insurance Exam ·

2026/03/28

In this episode of the Pass Your Life and Health Insurance Exam Podcast, we continue our deep dive into annuities, one of the hardest sections on the life insurance exam. You’ll finally understand the difference between immediate and deferred annuities, when surrender charges apply, and how bailout provisions protect annuity owners from penalties when interest rates fall.This class also covers variable products, separate vs. general accounts, and why selling variable annuities requires two licenses

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52:49

Immediate vs. Deferred Annuities — Master This Exam...

Pass Your Life And Health Insurance Exam ·

2026/02/28

Most students fail the life insurance exam because of annuities — but not after this training. In this episode of the Pass Your Life and Health Insurance Exam Podcast, we explain one of the most confusing topics in simple language: immediate vs. deferred annuities. You’ll learn when income payments begin, how single-premium annuities differ from flexible or periodic annuities, and why this concept appears on almost every life insurance exam.You’ll also discover key exam terms like nonforfeiture,

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8:51

Taxation of Life Insurance Explained (What Is and...

Pass Your Life And Health Insurance Exam ·

2026/01/28

Taxation of life insurance is one of the most misunderstood sections of the life insurance licensing exam.In this short, high-yield episode, we break down: Why life insurance death benefits are never taxed Why dividends and policy loans are not taxable When cash surrender values and withdrawals are taxed How taxation applies only to gains, not premiums Why cash value grows tax-deferred This episode is perfect if you need a quick refresher or want to lock in the rules before taking

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52:39

Stop Fearing Annuities — Principles & Concepts Every...

Pass Your Life And Health Insurance Exam ·

2026/01/28

In this episode of the Pass Your Life and Health Insurance Exam Podcast, we continue our deep dive into annuities — one of the toughest topics on the life insurance exam. In this training session with Maryland and Georgia students, you’ll master advanced annuity principles including immediate vs. deferred annuities, single vs. flexible premiums, and how to easily remember which is which on the exam. You’ll also learn key distinctions between annuitants, owners, and beneficiaries, how accumulation

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13:32

Why Now Might Be the Best Time to Become a Life...

Pass Your Life And Health Insurance Exam ·

2026/01/07

Most people fear recessions — but smart agents see opportunity. In this episode of the Pass Your Life and Health Insurance Exam Podcast, discover why the insurance industry actually grows during economic downturns. You’ll learn why more people shift their money into life insurance and fixed-index annuities, how 401(k) rollovers can be done tax-free, and why now might be the perfect time to get licensed.Hear how one family lost nearly $90,000 in a 401(k) during COVID until switching to a fixed-index

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42:46

Life Insurance vs. Annuities — What You Must Know to...

Pass Your Life And Health Insurance Exam ·

2025/12/17

In this episode of the Pass Your Life and Health Insurance Exam Podcast, we dive deep into one of the most confusing sections for new students — the difference between life insurance and annuities. This training features a real class session with a Maryland student, where you’ll finally understand why life insurance protects your family when you die and annuities protect your income while you live.Learn what “face amount,” “policy proceeds,” and “limit of liability” mean, and why exam writers love

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37:42

Types of Life Insurance Policies — Understanding Term...

Pass Your Life And Health Insurance Exam ·

2025/12/03

In this episode of the Pass Your Life and Health Insurance Exam Podcast, we dive into one of the most-tested topics on your exam: the different types of life insurance policies. You’ll learn the core differences between term and permanent insurance — what makes term temporary, why permanent life insurance builds cash value, and how to spot trick questions about each one.We’ll also cover fixed vs. variable life insurance, universal vs. whole life, and what key exam phrases like “cash value”, “face

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48:48

Stop Fearing Annuities — Principles And Concepts...

Pass Your Life And Health Insurance Exam ·

2025/11/19

Most students fail the life insurance exam because they don’t truly understand annuities — but you don’t have to. In this episode, you will learn annuity principles and concepts in plain language that finally make sense. Joined by two Minzo Pass students, this motivational class breaks down accumulation vs. annuitization, insurance aspects of insurance, and the three key players in annuities.If you’ve ever said, “Annuities are confusing,” this episode will change that forever. Learn the key terms,

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6:15

From Failing the Life Insurance Exam to Licensed...

Pass Your Life And Health Insurance Exam ·

2025/11/05

She failed her life insurance exam. Then she discovered Minzo Pass, and after just one live class, everything clicked. In this episode of the Pass Your Life and Health Insurance Exam Podcast, we share the real story of how one student turned frustration into victory — scoring 13 out of 14 on the section that had made her fail before: annuities.If you’ve been feeling stuck, overwhelmed, or one test away from quitting, this is the episode you need. You’ll hear exactly what changed in her study

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25:05

12 Reasons 200,000 People Failed the Life Insurance...

Pass Your Life And Health Insurance Exam ·

2025/10/09

Over 200,000 people failed the life insurance exam last year — don’t be one of them. This episode reveals the 12 biggest exam mistakes and how to pass on your first try. 💪 Over 200,000 people failed the life insurance exam last year — not because they weren’t smart, but because they made one or more of these 12 common mistakes. In this episode, I break down each mistake and show you exactly how to avoid them so you can pass your life insurance exam on your first try. Whether you’re studying for

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36:49

Taxation Of Life Insurance And Retirement Plans

Pass Your Life And Health Insurance Exam ·

2024/04/16

In this episode, you will learn how to correctly answer questions about taxation of insurance products and retirement plans on your life insurance exam. Our Washington, DC life insurance prelicensing text book is available for purchase. The title of the book is “Pass Your Washington, DC Life Insurance Exam” and it’s available on Apple Books and Barnes and Nobles. Purchase link: https://books2read.com/u/3nqgoB Register for our next challenge https://www.minzopass.com/pass-your-l... Helpful links:

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26:10

Our washington, DC Text Book Is NOW Available For...

Pass Your Life And Health Insurance Exam ·

2024/04/09

Our Washington, DC life insurance prelicensing text book is available for purchase. The title of the book is “Pass Your Washington, DC Life Insurance Exam” and it’s available on Apple Books and Barnes and Nobles. Purchase link: https://books2read.com/u/3nqgoB Register for our next challenge https://www.minzopass.com/pass-your-l... Helpful links: Affiliate Program: https://www.minzopass.com/affiliate_u... Weekly Webinar: https://www.minzopass.com/registratio... Make More Offer Challenge:

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01:01:22

Pass Your Life Insurance Exam Challenge Day 4

Pass Your Life And Health Insurance Exam ·

2024/04/01

This is day 4 of our Pass Your Life Insurance Exam Challenge. The goal of the challenge is to prepare you for your life insurance exam in just 4 days. Our student for day 4 was Beverly Irby from Texas. Register for our next challenge https://www.minzopass.com/pass-your-life-insurance-exam-challenge Helpful links: Affiliate Program: https://www.minzopass.com/affiliate_users/sign_up Weekly Webinar: https://www.minzopass.com/registration-page/ Make More Offer Challenge:

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42:53

State Of The Insurance Industry With Diana Hinojosa

Pass Your Life And Health Insurance Exam ·

2024/03/25

In this interview with Diana Hinojosa, we discuss the state of the insurance industry and some of the hurdles new agents face. Diana is an insurance industry and is an insurance exam tutor. Sign up for our next Pass Your Life Insurance Exam Challenge https://www.minzopass.com/pass-your-life-insurance-exam-challenge Helpful links: Affiliate Program: https://www.minzopass.com/affiliate_users/sign_up Weekly Webinar: https://www.minzopass.com/registration-page/ Make More Offer Challenge:

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