So, your insurance exam is tomorrow, and you’re panicking. You’re wondering how to cram in as much material as possible and, more importantly, how to actually retain it to pass the test.

If that sounds like you, don’t worry—you’re in the right place.

I’m going to give you a simple yet powerful strategy to maximize your limited study time and elevate your chances of passing. This isn’t about getting a perfect score; it’s about getting your license and moving forward in your career.

Let’s dive in.

The One Strategy That Will Help You the Most

Forget about trying to read the entire textbook or watching endless training videos. You don’t have time for that. Instead, focus all your energy on taking and retaking practice exam questions.

Here’s the key: when you take these practice questions, ignore the ones you get right. Those are already locked into your memory. The real value comes from focusing on the questions you get wrong.

Print them out, take screenshots, or write them down—whatever it takes. Then, go back and review the sections where you struggled. Study just those areas and retake the questions until you’re consistently getting them right.

This method works because of the Pareto Principle, also known as the 80/20 rule. In this case, 20% of the material is causing 80% of your mistakes. If you can improve that 20%, you’ll significantly boost your overall score.

The Step-by-Step Game Plan

Here’s exactly what you need to do:

1. Take a full practice exam—either a chapter test or a full-length pre-licensing exam.

2. Ignore the correct answers—you already know those.

3. Focus on the ones you got wrong—write them down or save them.

4. Study just those sections—review the material, understand why you got them wrong.

5. Retake those same questions—see if you can get them right this time.

6. Take another practice test—repeat the process until your score improves.

Your goal isn’t perfection—it’s simply passing the exam. Most states require a 70% score to pass, so if you can consistently hit 80-85% on your practice tests, you’ll likely pass the real thing.

Why Your Final Score Doesn’t Matter

If you’re worried about getting a high score, stop.

As someone who has recruited over 4,000 agents, I’ve never once asked someone, “What was your insurance exam score?” Nobody cares. The only thing that matters is whether you have your license or not.

The insurance exam is just a stepping stone. Once you pass, you’ll start learning the real skills you need to succeed in this industry. Don’t waste time worrying about your exact score—just focus on getting across the finish line.

What Comes Next? Choosing the Right Insurance Path

Now, let’s talk about what happens after you pass your exam.

A lot of new agents have no idea what direction they want to take their career. There are tons of agencies out there, and unfortunately, some of them don’t have your best interests at heart.

Many companies recruit agents with misleading promises, and you could find yourself in a bad situation if you don’t do your homework. That’s why it’s crucial to educate yourself on the different types of insurance sales before jumping into a contract.

Some of the most common insurance sales paths include:

• Final Expense Insurance

• Mortgage Protection Insurance

• Indexed Universal Life (IUL)

• Health Insurance (ACA, Medicare, etc.)

• Annuities

Each of these has pros and cons, and understanding them ahead of time will help you make the best decision for your future.

Get Free Training to Set Yourself Up for Success

To help new agents get started on the right foot, I’ve put together a free Insurance Sales Success Training site.

This platform is designed specifically for new life and health insurance agents, covering:

• What each type of insurance product is and how it works.

• The pros and cons of different types of insurance sales.

• Deep-dive sales training (5-7 hours per topic).

• Free scripts to help you sell effectively.

• A supportive community and live training sessions.

This is 100% free—no hidden costs, no upsells, nothing to buy. Just valuable, practical information to help you succeed.

You can access it by visiting daviddufor.com (the link is also in the description if you’re watching this on YouTube).

Final Thoughts: Just Focus on Passing

If you’re down to the wire and only have one day to study, don’t overcomplicate it.

• Take practice tests.

• Focus only on the questions you got wrong.

• Study just those topics.

• Retake the test until you improve.

• Aim for 80-85% on practice exams, and you’ll likely pass the real thing.

And remember—your score doesn’t matter, only your license does. Once you pass, the real learning begins.

If you need guidance after getting licensed, check out the free training resources available to you. They can help you avoid common pitfalls and set yourself up for success in the insurance industry.

Good luck on your exam—you’ve got this!

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Thank You For Reading

Thank you for reading. In addition to growing our team, my company also offers products and services to help independent insurance agents increase their production and profitability.

If You’re Looking to Join an Agency

The DIG Agency specializes in helping agents become top producers selling final expense life insurance 100% from home using our free lead system. We provide high-quality training, expert coaching, and the technology tools you need to succeed — whether you want to work part-time or build a full-time career.

As your skills grow, you’ll have the option to transition into a broker role, where you can buy your own leads, earn higher commissions, and even build your own team — all without any forced recruiting or MLM gimmicks.

If you’re serious about building a real career in final expense sales, visit https://www.davidduford.com to learn more. Watch the Overview Video on the homepage to see exactly how our system works.

If You’re Already an Agent and Want Better Leads and Tools

Whether you’re independent or already working with another agency, we can help you get more high-quality leads and streamline your sales process. Here’s what we offer:

• FE Leads Direct
  Order exclusive final expense leads at wholesale pricing through our done-for-you lead management system. These are the same leads our top producers work every day. Learn more at https://www.GetFELeads.com.

• DIG Dialer
  Designed for insurance agents selling any product, the DIG Dialer helps maximize your calling efforts. It’s the same dialer we use at The DIG Agency and has boosted our presentation rate by up to 300% compared to other dialers. If you want more presentations and more sales, visit https://www.digdialer.com for details.

• Final Expense CRM
  If you’re a final expense agent looking for a field-tested CRM to manage your leads and clients, check out Final Expense CRM. Designed specifically for remote sales, it features Grace AI to help pre-set appointments and automate follow-ups to increase your sales opportunities. Try it for free for 14 days at https://www.finalexpensecrm.com.

Wherever you are in your career — new agent, experienced producer, or independent broker — we’ve got the tools, training, and resources to help you sell more, earn more, and build the business you want.