Free and Printable TOEFL test Sample Questions for 2013 Part XI (Other Eng. Exams)

Print, Practice and Pass TOEFL exam...............

Good luck to all.....

Free and New TOEFL test Sample Questions for 2013-14

This is 11th part blog on Free TOEFL test Sample Practice Questions for 2013. In this part you will see questions related completing the sentences. These questions can be practice for other English related Practice Exams too.

Free TOEFL test Sample Practice Questions: Q 113-122

 

Choose the appropriate options to complete the sentences

 

Q 113

The journey......meticulously, because we...... through uninhabited regions where there was to be no food or water available.

A) should be planned / had passed

B) ought to plan / must have passed

C) must have been planned / will pass

D) had to be planned / would pass

E) may be planned / should have passed

Q 114

Since Ted has......a good education ......a charismatic personality, he should have a bright future.

A) whether / or

B) even / so

C) not only / but also

D) such / as

E) neither / and

 

Q 115

 .......I know, Jake is ...... interested in our project.

A) As though / even

B) Whoever / anymore

C) No matter / still

D) Even so / no more

E) As far as / no longer

 

Q 116

 It is......fun to take photographs on a digital camera because you can see them right away.

A) much more

B) too much

C) so many

D) several

E) such a lot

Q 117

Steve WIcCurry, many of ...... photographs have won international awards, recently had an exhibition in Istanbul.

A) which

B) whom

C) what

D) whose

E) that

Q 118

 Some people have a talent for science and mathematics,......others are good at art and music.

A) such as

B) rather than

C) while

D) no matter

E) otherwise

Q 119

 US visa fees are very high, and so, ......, most countries charge US citizens a lot for a visa.

A) no matter

B) owing to

C) in addition

D) as if

E) In return

Q 120

I wonder......textbooks I will need to buy for my literature course.

A) how many

B) how often

C) how far

D) however

E) how much

Q 121

 You wouldn't be studying mechanical engineering if your father had not forced you to, .......?

A) would you

B) wouldn't you

C) had he

D) are you

E) hadn't he

Q 122

Protesters attempting to reform the World Bank and the International Monetary Fund have not had much success ...... .

A) just

B) even

C) so far

D) later

E) rather

Answers Key-Free TOEFL test Sample Practice Questions: Q 113-122

 

113. D

114. C

115. E

116. A

117. D

118. C

119. E

120. A

121. A

122. C

How to shine in insurance agent exam and try some free printable sample questions

After the success of my blogs on Wonderlic Test Sample Questions, Auditing jobs, Administrative Jobs question, MAT, Accounting Jobs and SAT now I want to create this blog for readers to do well in insurance agent exam. In my first part in this blog you learn little bit about insurance exam and later you will see free insurance agent tests.

Free and New insurance agent exam Sample Questions 2013-14

What is insurance agent exam?

Insurance agents who wish to sell life and health insurance must first pass the Life and Health Test. Candidates taking the Life and Health Test should also be aware that life and health insurance rules and regulations vary from state to state, so they should make sure to study the relevant rules for the state in which they seek licensure.

How this exam works?

The Life and Health qualification exam splits the two titular topics into separate sections.

Section 1-Topics covered in the life insurance section of the exam are:

* Life insurance basics

* Policy provisions

* Life insurance policy options and riders

* Life insurance tax considerations

* Qualified life insurance and annuity plans

* Annuity policy information

* Annuity policy tax considerations and implications

 

Section 2- The health insurance section includes questions on these topics:

* Health insurance basics

* Individual, group, and dental insurance policies and provisions

* Disability income

* Medical plans

* Special needs individual insurance

* HMOs (Health Maintenance Organizations)

* Tax considerations for health insurance

Structure of the exam

Candidates are given two and a half hours to complete the 150 questions on the Life and Health Test. The questions on the exam come in three formats, all multiple-choice: direct question, incomplete sentence, and “all of the following except…”

The Life and Health Test is computerized, and candidates receive their results immediately upon finishing the test. Candidates must answer 70 percent of the questions correctly to pass the Life and Health Exam. The score report gives detailed information to the candidate about how he/she performed in each section of the test.

Each of the fifty US states requires life and health insurance professionals to attain licensure by passing the Life and Health Insurance examination. There are eighteen content areas covered by the exam: insurance regulation (5%); general insurance (5%); life insurance basics (7%); life insurance policies (7%); life insurance policy provisions, options, and riders (8%); annuities (6%); federal tax considerations for life insurance and annuities (5%); qualified plans (4%); health insurance basics (5%); individual health insurance policy general provisions (4%); disability income and related insurance (3%); medical plans (8%); health maintenance organizations (3%); group health insurance (7%); dental insurance (2%); insurance for senior citizens and special needs individuals (8%); federal tax considerations for health insurance (3%); and additional considerations for life and health insurance counselors (10%). The questions on the Life and Health Insurance exam will be in three different multiple-choice formats: direct question, incomplete sentence, and “all of the following except.” Each question will have four possible answers from which the candidate must choose.

 

Some sample Health and Life Insurance questions 1-10

 

Q 1

 Short term policies have a benefit period of how long?

A. 13 weeks to 104 weeks

B. 24 weeks to 120 weeks

C. 12 weeks to 52 weeks

D. 15 weeks to 130 weeks

 

Q 2

If an employee who has a group policy leaves his job, what type of health insurance is guaranteed to him?

A. Portability

B. COBRA

C. The company continues to pay insurance

D. The employee buys an individual plan

Q 3

 Which of the following is part of the application?

A. Attending physician report

B. Consumer investigation

C. Medical Information Bureau

D. Agent report

Q 4

Which of these applies to a standard risk classification?

A. Uses Mortality table

B. Fixes additional charge to premium

C. A lien is placed against the policy to reduce amount of insurance

D. Rates person on age, health, habit and occupation

 

______________________________________________________________

Answers Key - Some sample Health and Life Insurance questions 1-10

1. A

2. B

3. D

4. D

5. A

6. B

7. C

8. D

9. B

10. C

 

_____________________________________________________________

Q 5

 What is a characteristics of term life insurance?

A. It is written for a specified period of time

B. Permanent protection

C. Builds cash value

D. Provides lifetime protection

Q 6

 What is a characteristic of adjustable life?

A. Renewable term

B. Adjusts the face amount of the policy

C. Flexible premium

D. Has death benefit options

Q7

 What is a per capita beneficiary?

A. A group beneficiary

B. When a person is too young to be a beneficiary

C. When the money is divided equally among the beneficiaries

D. When the beneficiary dies the proceed goes to heirs

Q 8

A type of short term insurance is

A. Accident policy

B. Catastrophic policy

C. Credit disability

D. Travel insurance

Q 9

 Which of following is not exclusion under a health policy?

A. Pre-existing conditions

B. Accident injury

C. Elective surgery

D. Intentional self-inflicted injury

Q 10

 What is the type of insurance which pays for workers hurt in the course and scope of duty?

A. Medicare

B. Medicaid

C. Workers Compensation

D. Disability Social Security

How to find first job through internship experience (keep it)

ABC about Internship way to get Job

These days, college and university graduates are finding out just how tough a job search can be. This hard job search can be easily changed if they go through internship experience. This internship is a virtual necessity when seeking a position in any profession

What is an Internship?

Internships provide real world experience to those looking to explore or gain the relevant knowledge and skills required to enter into a particular career field. Internships are relatively short term in nature with the primary focus on getting some on the job training and taking what’s learned in the classroom and applying it to the real world. Interns generally have a supervisor who assigns specific tasks and evaluates the interns overall work. For internships for credit, usually a faculty sponsor will work along with the site supervisor to ensure that the necessary learning is taking place.

If you're a college student -- or even a high school senior -- here's a key piece of advice about internships:

 

When to start?

Start thinking about them sooner, rather than later. It's never too early to start looking.

Where do students can find internships info?

Career counselors cite these as among the best sources.

 

Career Offices

University and college career centers typically maintain a database of internships, or refer students to sites like that will help them in their search.

 

Faculty

 Professors who work with companies often refer students.

Alumni and Parents

Alumni listings provide a conduit for students interested in specific companies. A student's own parents, or those of classmates, can also be a link to companies with internship programs.

 How Internships works?

Internships have evolved, with the distinctions blurred between part-time work, co-op positions and internships. For summer internships, students should start researching programs in the fall. Students who already have a relationship with the company – perhaps from a previous internship – often fill winter-break internships slots. But students should be willing to dig for opportunities, since many companies have ongoing needs for interns.

 Students may also want to consider developing their own internship. To do this, a student needs to write a proposal outlining his individual skills, hours of availability, the time frame for the position and how he could assist the company.

Searching for an internship may be a student's initiation into the world of job hunting that goes beyond flipping burgers and lifeguarding.

Few more tips:

Consider these tips for embarking on the process:

There is a common myth that internships are little more than the provision of cheap, temporary labor in exchange for a line-item on a resume, and this approach typically yields mediocre outcomes, Instead, interns and employers should approach internships as valuable opportunities to create benefits that long outlast the average eight-week engagement

For employers, interns represent the next generation of customer, supplier and employee, and can bring fresh ideas and perspectives to any workplace. For interns, employers can provide the opportunity to ground the theory taught in school with the realities of the workforce. But only if each party approaches the arrangement with these goals in mind.

How to be successful intern?

1. Don’t take the first job

 Interview for a couple of internships before deciding which employer will be right for you

2. Professional look

Be there on time, dress appropriately and be respectful of your colleagues. You only have a short time to learn from and impress an employer.

 3. Complete tasks and on time.

Ask questions up front to help you understand the project and build a timeline to complete. If you are unable to complete, speak to your manager and discuss why.

4. Follow Up

Too often, students don't pursue an opportunity beyond sending an application. They send their resumes, but they never follow up with the company. After sending an application, call the company to check on the status. After an interview, be sure to send a thank-you letter.

5. Work on Your Communication Skills

 Don't assume everyone understands technical lingo. A common complaint from companies is about students' lack of communication skills. It's very important that you know how to express yourself.

6. Be Flexible

Don't dismiss less-than-ideal opportunities. Given the economy, students sometimes take part-time internships, perhaps for 10 to 20 hours per week, and hold down another job for pay. Students should also realize they need to look beyond the internships available at star companies. Start where you live. Students may need to consider other companies before moving on to the likes of Google or Microsoft.

7. Learn about the organization

 Learn about the company before you start and continue to ask questions. Review their website, check out your colleagues LinkedIn profiles and read past news articles about the organization. This will better prepare you to understand how the work that you are doing relates to the company as a whole.

8. Go above and beyond

Take the time to make an impression. Ask insightful questions, give recommendations that fit into their overall business plans and get to know your colleagues.

9. Treat it like a 6-8 week job 

 

Savvy interns know that if they perform well, internships can often become a full-time position. Be at the top of your game every day.

There are countless benefits to interning, but it's important that you know what you are getting into. Take the chance and the stand to do so and the benefits will be amazing in the long run.