What Is the EAM Life‑Insurance Exam?
The EAM exam is the "Entry‑Level Assessment for the Medicare" test that many life‑insurance agents take to qualify for selling Medicare Advantage plans. It is administered by the National Association of Health Underwriters (NAHU) and is required for agents who wish to offer Medicare products under the EAM designation.
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How Many Questions?
The exam consists of 60 multiple‑choice questions. Candidates have 90 minutes to complete it, giving them an average of 1.5 minutes per question. The test covers topics such as Medicare basics, Medicare Advantage plans, and state‑specific regulations.
Exam Structure and Timing
The 60 questions are divided into three sections of 20 questions each. Each section is timed separately:
- Section 1 – 30 minutes
- Section 2 – 30 minutes
- Section 3 – 30 minutes
There is no penalty for guessing, so it's best to answer every question.
Passing Score and Retake Policy
To pass, you must score at least 70% (42 out of 60). If you fail, you may retake the exam after a 30‑day waiting period. You can retake it up to three times in a 12‑month period.
Preparation Tips
Study Materials
NAHU offers a comprehensive study guide that includes practice questions, flashcards, and a detailed syllabus. Many agents also use third‑party review courses that provide mock exams and video lectures.
Practice Exams
Take at least two full‑length practice tests under timed conditions. Review your results to identify weak areas.
Exam Day Strategy
Read each question carefully, eliminate obviously wrong choices first, and keep track of time. If you're unsure, mark the question and return to it after you've answered the easier ones.
Common Mistakes to Avoid
- Assuming all Medicare terminology is the same as traditional health insurance.
- Overlooking state‑specific rules that can affect plan eligibility.
- Rushing through questions instead of reading each one fully.
FAQ
Can I take the exam online?
Yes, the EAM exam is offered as a computer‑based test (CBT) at authorized testing centers nationwide.
How long does the certification last?
Once you pass, the certification is valid for two years, after which you must retake the exam or complete a continuing education requirement.
Resources
For official study materials and exam registration, visit the NAHU website or contact your local insurance association.
Key Takeaway
The EAM life‑insurance exam is a 60‑question, 90‑minute test covering Medicare fundamentals. With focused preparation and practice, you can achieve a passing score and qualify to sell Medicare Advantage plans.