Implied Authority Vs Apparent Authority

[@ItsSarababe]

I absolutely love your videos! I just passed my exam in Florida on second attempt! My test score was 69% after watching your videos i got 74%! You are truly amazing! Thank you so much for everything!!

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@daisybautista2337]

Congratulations! I’m taking my exam in Florida as well & I’m so nervous!

[@reddy1934]

one of the best video to explains concepts in details. you are a Queen

[@erickadulaney9436]

If not for your videos I do not think I would have passed my Ohio exam TODAY!!! You made my study/review time feel enjoyable and easy. I am EXTREMELY GRATEFUL for all that you do. You are the gift that keeps people passing girl, thank you so so so very much.

[@insuranceexamqueen]

OMG I LOVE THAT, the gift that keeps people passing! LOL

[@sarahsexton3808]

Ericka how did u pass I’m located in ohio and I’m having issues with passing can you help me

[@arturoochoa7237]

Congratulations -- awesome

[@stephanieadams2391]

I finally passed from listening and taking notes from your videos!! Thank you so much!! You are a lifesaver

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@JoeGarcia-ui8ej]

just wanna say thank you! you helped me pass my life/health state exam and im taking the p&c in 2 days and im confident ill pass because of your videos!

[@pmoua2644]

You are so awesome! Love all your videos. You help me understand life insurance so much more than any other channel that I had listen and watch by far. Keep it up…loving it. I will be taking my exam tomorrow and pray that I pass. ❤

[@insuranceexamqueen]

You got this! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@airenchristina3132]

I absolutely love your videos! You helped me get my license, but I still watch your videos because they are the best! ♥️♥️

[@insuranceexamqueen]

That's awesome!!

[@philgileno894]

OMG Grandma is “A parent” so that is apparent authority 😂 I’ll remember that now.

[@insuranceexamqueen]

Ha ha! Love it!

[@VarietyConcepts]

It was this video that help me come to understand these terms. The light came on when I watched this video, so thank you!

[@Stacey-p4d]

I signed up and paid for the insurance exam for a property casualty but then when I go back into KZbin, I'm not sure which segment or segments I'm supposed to be reviewing.

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/ It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. facebook.com/share/XbF6toywYh315Hca/or State Exam Requirements: prepare2pass.com/requirements Watch the videos on repeat and write down all notes that melissa has provided We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to. pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI I am sending you all the loves and vibes to pass the exam

[@kxqb]

Thank you for your videos, passed it today with a 74 after my last attempt was a 69/70.

[@insuranceexamqueen]

Congrats!!

[@rachelhawkins-luckett5647]

thank you you explain so well. Pray i can pass the nextt time i go in. Missed it about 12 points someone told me about you. I have my fingers crossed this next week when i go back to pass

[@insuranceexamqueen]

Which exam?

[@irinakireyeva]

Thank you, thank you!!!❤❤❤

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@PenelopeAndersen]

Thank you, this has been so confusing for me. Explained perfectly! 🤗💖

[@insuranceexamqueen]

Yay!!

[@YaimaraNapoles]

I was so so sooooo super lost until I found you ;) I read the entire Kaplan and I was confuse frustrated etc. then I decide to purchase your gold package, and I absolutely love it Iam almost ready to take my test

[@insuranceexamqueen]

I'm so glad! We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI

[@angelaallen9838]

12:57 pm I’m on a practice test and I love this lady’s personality and how she explains just takes to long and loses focus easily

[@insuranceexamqueen]

I am a squirrel brain sometimes lol

[@floranecharles3820]

Thank you!!!

[@MGTMusic]

Hello Queen 👸🏼 Keep it up !

[@insuranceexamqueen]

will do!

[@jenyarafi8225]

apparent authority because you give the appearance that you have it! implied is assumed the insurer. thank you!!!

[@SaraHolloway-ru6ih]

The customer "apparently" thinks you know what you're talking about

[@insuranceexamqueen]

Yes! Love this!

[@htcoastal]

Awesome videos

[@insuranceexamqueen]

Thank you!

[@davidkittelberger8269]

Thank you so much…… ❤

[@MariByrdi]

To pass my Texas P&C Exam, could i simply use your videos here on youtube as a study guide or would i have to purchase a course? Or, would your course just be like a bonus to the youtube videos?

[@insuranceexamqueen]

hi thank you for reaching out Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/ It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. Watch the videos on repeat and write down all notes that melissa has provided facebook.com/share/XbF6toywYh315Hca/ We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI I am sending you all the loves and vibes to pass the exam

[@jaylasamuels3923]

I am working on taking my exam I’m trying different study methods and you have helped me a lot

[@insuranceexamqueen]

Yay!

[@lizbetty1862]

The explanation was very helpful thank you

[@insuranceexamqueen]

Glad it was helpful! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@francinedenace1915]

I am living in new York next month I am gonna take my state exam thanks God I find yr channel .

[@insuranceexamqueen]

Which exam?

[@francinedenace1915]

life insurance exam

[@Robert_English]

Thank you from Oklahoma

[@tanyaacedo]

Want to take your Health exam course. Went into your website but couldn't figure out how to sign up for your course can you help me?

[@insuranceexamqueen]

My life and health are combined, but once you are int here you will see which ones are just health only. I would suggest L&H Gold Bundle

[@tanyaacedo]

@@insuranceexamqueen awesome thanks for the fast reply! Love your videos ❤️You’re amazing!! 🙏🏼

[@tanyaacedo]

Does the State Matter?

[@aprylcox5092]

This is good.

[@insuranceexamqueen]

Glad you like it!!

[@gloriabenitez9442]

You are so smart! Thank you for the good information you provide is getting me ready for my state exam.

[@insuranceexamqueen]

Thank you!!

[@laurenb9663]

Hello Queen! What is your email so I can send you my scores, to see what I need to target?

[@insuranceexamqueen]

[e-mail]

[@karinarico5376]

is this the same as implied warranty?

[@insuranceexamqueen]

Warranty VS Representation A warranty is a true statement. There is nothing that should/could be wrong about it. Warranties are mostly used in Property and Casualty where you just NEED to be correct, like “I drive a 2002 Toyota 4Runner” there is no reason why that wouldn’t be true and there is no reason why I would lie about it. A representation is a believed to be true statement, but it’s not guaranteed to be true like a warranty is. Life and Health insurance use representations because it’s possible for a person to be wrong, and not know it. For instance, I am filling out a life application and it asks me if I have cancer. I say no, I don't. Never been diagnosed, no issues with my health to think I could have it, so I am fully believing my answer is correct when I say, “No I don’t have cancer.” Three months later after my policy is issued, I go to the doctor because I have these crazy headaches. The doctor finds a brain tumor and says, “Based on its size, it’s been growing for the last 6 months” So technically, I did indeed have cancer in my body at the time of the application, but I said I didn’t. But we would not consider that lying. I didn’t know, I believed I didn’t have it, and thus the policy would still cover me if I died from the tumor. Now, CA takes these a step further and has Implied and Express Warranties. Express means “written” it’s documented, you can look at it, there is no debate about it because we can refer to the document/policy and see what is written down. Implied basically means “assumed.” Which very much falls in line with Representation, you assume it to be true.

[@ryshadallison8796]

I just passed my Exam your the best !

[@insuranceexamqueen]

Congrats!! Thank you!

[@liliaowens8956]

Hello I’m interested in your course. Georgia public adjuster Please let me know how to buy your course. You’re my last hope I need the license so bad

[@insuranceexamqueen]

I don't have a course, but I have videos that help you understand the course you get. Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. If you have already studied and failed these are most likely the chapters you need help on. I teach both of these concepts in these two classes: This class teaches just insurance terms and related concepts and policy provisions and contract law and it is for 2 hours: insuranceexamqueen.podia.com/p-c-general-insurance-terms-and-policy-provision-and-contract-law-pc-basics/ghsp8 This class teaches insurance terms, policy provisions and contract law, and also covers homeowners as well and it is 5 hours: insuranceexamqueen.podia.com/p-c-5-hour-class-general-terms-policy-provisions-homeowners-and-math/ghsp8 For the types of property chapter, it can be really difficult to grab many points here, because the chapter is so large, a hundred pages worth of study, that trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on dwelling, homeowners, and flood. I have a FREE dwelling lesson here on KZbin: kzbin.info/www/bejne/iH6tc6KknZmko9U I have a FREE Home and Auto lesson here: kzbin.info/www/bejne/pGa1g32eatKHgpI I have a homeowners and dwelling lesson class recording available here: insuranceexamqueen.podia.com/pc-home-and-dwelling-class-recording/ghsp8 I have a flood and umbrella insurance class here: insuranceexamqueen.podia.com/pc-flood-and-umbrella-class/ghsp8 For types of casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on personal auto and commercial auto, mostly sticking to personal auto. Umbrella also comes from this chapter, so if you get the flood and umbrella class above, you will be able to understand more types of casualty. This is my auto class: insuranceexamqueen.podia.com/personal-auto-policy-2-hour-class-recording/ghsp8 Additionally, you need to be pretty decent in state law, and I just taught a class on that : insuranceexamqueen.podia.com/insurance-regulations-state-law-1-5-hour-class-recording-all-lines-life-heath-and-pc/ghsp8 While you can buy all of these classes individually, I also offer them all together bundled with any content that I have created for property and casualty, and if and when I teach new classes, all the recordings will be uploaded as part of this package too. So if you want as much help as you can, I would encourage you to buy the All Access package which would give you everything I listed above plus more: insuranceexamqueen.podia.com/all-access-property-casualty-personal-lines-exam-all-pc-pl-content-currently-created-165-if-sold-seperate/ghsp8 If you want to see ALL my stuff, you can check out the full listing here: insuranceexamqueen.podia.com/ Additionally, you can find free resources in my Facebook group here: facebook.com/insuranceexamqueen And free videos on my KZbin here:kzbin.info/door/2-mT7QUl_jHYQRIaw0Ihpg After watching the classes,if you still need help to further lock in the knowledge that you need to understand, memorize and retain, you can book one-on-one or group sessions with Angela the Ultimate Study Buddy here: calendly.com/insuranceexamqueen

[@liliaowens8956]

Thank you so much. I would like to buy P&C package and 1 and 1 please how can buy . Can you give me the link. I’m going to take the exam this month

[@neesee456]

❤

[@GodIsTheAlmighty]

Apparent - A Customer Believes Me

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass : www.insuranceexamqueen.com/ It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. facebook.com/share/XbF6toywYh315Hca/or State Exam Requirements: prepare2pass.com/requirements Watch the videos on repeat and write down all notes that melissa has provided We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to. pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI I am sending you all the loves and vibes to pass the exam

[@Ebonyides]

I literally JUST passed my exam!! Ga!

[@insuranceexamqueen]

Congrats!!!

[@Ebonyides]

@@insuranceexamqueen thank you! You literally helped!

[@insuranceexamqueen]

@@Ebonyides yay!! If you can leave a review on my Google page, that would be amazing maps.app.goo.gl/XDKr6mmt3HhQ38Ya6

[@shannaschumann7653]

Can you please help me I'm so nervous

[@catalinodominguez4538]

Hi Melissa

[@insuranceexamqueen]

Hello! Welcome to the channel!

[@irieadams8832]

Fargo is not a true story love 😁

[@insuranceexamqueen]

It takes inspiration from a true story!

[@garywaynenurse]

I'm interested in taking your course on Texas Life & health... Email me !!!!!!!!! Gary M

[@insuranceexamqueen]

In TX, For your state, this is what you want to focus on to secure a pass. With the life and health exam, there are separate chapters that make up the content when you look at the exam breakdown. What I like to do since I know and understand the information within all of the chapters, is to focus on the content that is the same between life and health. This way you get to double dip on your learning, and not be overwhelmed with all the things you have to know. So first, we focus on the things that overlap. This would include completing the application, and field underwriting. Both of these chapters almost look identical between life and health. I teach completing the app which is also known as field underwriting at the beginning of my 4-hour life boot camp. As part of this boot camp, you will also learn the main two life insurance policies and the differences between them, which they love to test you on. You can purchase the Life Boot Camp here here: insuranceexamqueen.podia.com/6d0788c0-204c-482b-b2f7-d17647498786/ghsp8 Next up are provisions. While there are different provisions in life and different provisions in health, many of them will overlap. Provisions also tends to be one of the largest chapters on all state exams, sometimes even up to 25% or more of the exam is just on provisions. I teach life provisions in this class: insuranceexamqueen.podia.com/life-class-recording-term-vs-whole-annuities-provisions-settlement-options-nonforfeiture-and-riders/ghsp8 I teach health provisions in this class: insuranceexamqueen.podia.com/1fc87900-8c91-485c-9ad1-9d834e26c108/ghsp8 For health, they really like you to know the difference between HMO and PPO, as well as a good understanding of disability insurance. You can get all of that in the 4-hour health insurance boot camp here: insuranceexamqueen.podia.com/health-insurance-exam-boot-camp-4-hours/ghsp8 You can also buy the Life and Health BootCamp Bundle for a discounted price here: insuranceexamqueen.podia.com/life-and-health-boot-camps-8-hours/ghsp8 Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations class here: insuranceexamqueen.podia.com/insurance-regulations-state-law-1-5-hour-class-recording-all-lines-life-heath-and-pc/ghsp8 If you want to see ALL my stuff, you can check out the full listing here: insuranceexamqueen.podia.com/a/ghsp8

[@RomellGaffney]

Thank you for your help i just passed my P&c exam yesterday you made everything make sense! Even put me in the right mindset 🥳🥳🫡🫡🫡

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@RomellGaffney]

i paid for the material but it was a mixture of both paid and free

[@nakkuneknek94]

❤