🔢 Life & Health Insurance Exam Math Review

👇 Try Birdsy FREE – Built for Insurance Exam Success 🌐 https://birdsy.ai/insurance Get confident with the math you’ll face on the Life & Health Insurance license exam. This detailed walkthrough covers premium calculations, annuity payouts, benefit formulas, and more — all with clear explanations and real exam-style breakdowns. If numbers stress you out, this video will help you tackle the math section with clarity and confidence. Use the timestamps below to navigate directly to the calculations or concepts you need to review. ⏱️ Timestamps for Quick Navigation: Premium Calculations 00:33 – Net vs. Gross Premiums 05:27 – Mortality and Interest Assumptions Policy Values and Reserves 10:16 – Cash Value Growth Calculations 14:49 – Policy Loans and Interest Accrual Annuity Payout Calculations 19:31 – Fixed Annuity Payment Formulas 24:40 – Variable Annuity Unit Value Calculations Health Insurance Benefit Calculations 28:22 – Coinsurance and Deductible Computations 32:07 – Daily Benefit and Maximum Out-of-Pocket Formulas Taxation & Settlement Calculations 35:48 – Taxable Portion of Annuity or Settlement 🧠 What You’ll Learn: ✅ How to calculate net and gross premiums ✅ Mortality and interest rate assumptions ✅ Cash value and policy loan interest math ✅ Annuity payout and unit value formulas ✅ Health insurance coinsurance and deductible math ✅ Taxation of settlements and annuity payments 📚 Official Reference Links: 🔗 NAIC Glossary: https://content.naic.org/consumer_glo... 🔗 Pearson VUE Insurance Content Outline: https://home.pearsonvue.com/Clients/I... 🔗 NIPR Licensing Info: https://www.nipr.com/ State Insurance Department Directory: https://content.naic.org/state-insura... ✅ Subscribe for more insurance exam prep videos 🔗 Helpful tools: https://birdsy.ai/insurance 📌 Start your FREE Birdsy trial today! ⚠️ Disclaimer: This video is for educational use only. Licensing requirements and exam content may vary by state. Verify all details with your licensing agency or official exam provider. Birdsy cannot guarantee outcomes and assumes no liability for exam performance.