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iSQI CTFL_Syll2018 : ISTQB Certified Tester Foundation Level test Dumps

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Latest 2023 Updated iSQI ISTQB Certified Tester Foundation Level Syllabus
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Exam Number : CTFL_Syll2018
Exam Name : ISTQB Certified Tester Foundation Level
Vendor Name : iSQI
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CTFL_Syll2018 test Format | CTFL_Syll2018 Course Contents | CTFL_Syll2018 Course Outline | CTFL_Syll2018 test Syllabus | CTFL_Syll2018 test Objectives


ISTQB has recently launched CTFL 2018 V3.1 with minor changes. You can find all the info needed in the get area.

The Foundation Level Syllabus forms the basis for the International Software Testing Qualification at the Foundation Level.

The International Software Testing Qualifications Board® (ISTQB®) provides it to the national examination bodies for them to accredit the training providers and to derive examination questions in their local language.



Training providers will produce courseware and determine appropriate teaching methods for accreditation, and the syllabus will help candidates in their preparation for the examination.



The Certified Tester Foundation Level in Software Testing

The Foundation Level qualification is aimed at anyone involved in software testing. This includes people in roles such as testers, test analysts, test engineers, test consultants, test managers, user acceptance testers and software developers.



This Foundation Level qualification is also appropriate for anyone who wants a basic understanding of software testing, such as project managers, quality managers, software development managers, business analysts, IT directors and management consultants. Holders of the Foundation Certificate will be able to go on to a higher level software testing qualification.



Fundamentals of Testing



Learning Objectives for Fundamentals of Testing:

- What is Testing=>

- Identify typical objectives of testing

- Differentiate testing from debugging

- Why is Testing Necessary=>

- provide examples of why testing is necessary

- Describe the relationship between testing and quality assurance and provide examples of how testing contributes to higher quality

- Distinguish between error, defect, and failure

- Distinguish between the root cause of a defect and its effects

- Seven Testing Principles

- Explain the seven testing principles

- Test Process

- Explain the impact of context on the test process

- Describe the test activities and respective tasks within the test process

- Differentiate the work products that support the test process

- Explain the value of maintaining traceability between the test basis and test work products

- The Psychology of Testing

- Identify the psychological factors that influence the success of testing

- Explain the difference between the mindset required for test activities and the mindset required for development activities



Keywords

coverage, debugging, defect, error, failure, quality, quality assurance, root cause, test analysis, test basis,
test case, test completion, test condition, test control, test data, test design, test execution,
test implementation, test monitoring, test object, test objective, test oracle, test planning, test procedure,
test process, test suite, testing, testware, traceability, validation, verification



Testing Throughout the Software Development Lifecycle



Learning Objectives for Testing Throughout the Software Development Lifecycle

- Software Development Lifecycle Models

- Explain the relationships between software development activities and test activities in the software development lifecycle

- Identify reasons why software development lifecycle models must be adapted to the context of project and product characteristics

- Test Levels

- Compare the different test levels from the perspective of objectives, test basis, test objects, typical defects and failures, and approaches and responsibilities

- Test Types

- Compare functional, non-functional, and white-box testing

- Recognize that functional, non-functional, and white-box tests occur at any test level

- Compare the purposes of confirmation testing and regression testing

- Maintenance Testing

- Summarize triggers for maintenance testing

- Describe the role of impact analysis in maintenance testing



Keywords

acceptance testing, alpha testing, beta testing, change-related testing, commercial off-the-shelf (COTS),
component integration testing, component testing, confirmation testing, contractual acceptance testing,
functional testing, impact analysis, integration testing, maintenance testing, non-functional testing,
operational acceptance testing, regression testing, regulatory acceptance testing, sequential development
model, system integration testing, system testing, test basis, test case, test environment, test level, test
object, test objective, test type, user acceptance testing, white-box testing



Static Testing



Learning Objectives for Static Testing

- Static Testing Basics

- Recognize types of software work product that can be examined by the different static testing techniques

- Use examples to describe the value of static testing

- Explain the difference between static and dynamic techniques, considering objectives, types of defects to be identified, and the role of these techniques within the software lifecycle

- Review Process

- Summarize the activities of the work product review process

- Recognize the different roles and responsibilities in a formal review

- Explain the differences between different review types: informal review, walkthrough, technical review, and inspection

- Apply a review technique to a work product to find defects

- Explain the factors that contribute to a successful review



Keywords

ad hoc review, checklist-based review, dynamic testing, formal review, informal review, inspection,
perspective-based reading, review, role-based review, scenario-based review, static analysis, static
testing, technical review, walkthrough



Test Techniques



Learning Objectives for Test Techniques

- Categories of Test Techniques

- Explain the characteristics, commonalities, and differences between black-box test techniques, white-box test techniques, and experience-based test techniques

- Black-box Test Techniques

- Apply equivalence partitioning to derive test cases from given requirements

- Apply boundary value analysis to derive test cases from given requirements

- Apply decision table testing to derive test cases from given requirements

- Apply state transition testing to derive test cases from given requirements

- Explain how to derive test cases from a use case

- White-box Test Techniques

- Explain statement coverage

- Explain decision coverage

- Explain the value of statement and decision coverage

- Experience-based Test Techniques

- Explain error guessing

- Explain exploratory testing

- Explain checklist-based testing



Keywords

black-box test technique, boundary value analysis, checklist-based testing, coverage, decision coverage,
decision table testing, error guessing, equivalence partitioning, experience-based test technique,
exploratory testing, state transition testing, statement coverage, test technique, use case testing, whitebox test technique



Test Management



Learning Objectives for Test Management

- Test Organization

- Explain the benefits and drawbacks of independent testing

- Identify the tasks of a test manager and tester

- Test Planning and Estimation

- Summarize the purpose and content of a test plan

- Differentiate between various test strategies

- provide examples of potential entry and exit criteria

- Apply knowledge of prioritization, and technical and logical dependencies, to schedule test execution for a given set of test cases

- Identify factors that influence the effort related to testing

- Explain the difference between two estimation techniques: the metrics-based technique and the expert-based technique

- Test Monitoring and Control

- Recall metrics used for testing

- Summarize the purposes, contents, and audiences for test reports

- Configuration Management

- Summarize how configuration management supports testing

- Risks and Testing

- Define risk level by using likelihood and impact

- Distinguish between project and product risks

- Describe, by using examples, how product risk analysis may influence the thoroughness and scope of testing

- ement

- Write a defect report, covering a defect found during testing



Keywords

configuration management, defect management, defect report, entry criteria, exit criteria, product risk,
project risk, risk, risk level, risk-based testing, test approach, test control, test estimation, test manager,
test monitoring, test plan, test planning, test progress report, test strategy, test summary report, tester



Tool Support for Testing



Learning Objectives for Test Tools

- Test tool considerations

- Classify test tools according to their purpose and the test activities they support

- Identify benefits and risks of test automation

- Remember special considerations for test execution and test management tools

- Effective use of tools

- Identify the main principles for selecting a tool

- Recall the objectives for using pilot projects to introduce tools

- Identify the success factors for evaluation, implementation, deployment, and on-going support of test tools in an organization



Keywords

data-driven testing, keyword-driven testing, test automation, test execution tool, test management tool



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IPPB Executive Syllabus 2023: PDF Download, Subject Wise Topics, test Pattern

 IPPB Executive Syllabus 2023: The India Post Payments Bank Limited (IPPB) has invited applications for the recruitment of Executive posts on a contractual basis. IPPB Executive Syllabus PDF get and test Pattern here.

IPPB Executive Syllabus 2023: The India Post Payments Bank Limited (IPPB)  releases an official IPPB Executive notification every year to recruit eligible aspirants for Executive on a contractual basis. The candidates are selected for IPPB Executive posts based on their performance in an online exam, group discussion, and interview round. All interested and eligible candidates should check the latest IPPB Executive syllabus and test pattern and plan their strategy accordingly.

Along with the IPPB Executive syllabus, candidates must also check the IPPB Executive test pattern to get familiar with the test format, number of questions, maximum marks, and marking scheme prescribed by the officials. As per the previous year's test analysis, it is found that the questions asked in the IPPB Executive test were easy to moderate level. So, aspirants should check the official IPPB Executive test syllabus for effective preparation.

Career Counseling

In this blog, they have shared a detailed IPPB Executive syllabus PDF, including the IPPB Executive test pattern, preparation strategy, and a list of the best books here.

IPPB Executive Syllabus 2023

Here is the major overview of the IPPB Executive syllabus and test pattern shared below for the reference of aspirants.

IPPB Executive Syllabus 2023

Exam Conducting Body

India Post Payments Bank Limited (IPPB)

Post Name

Executive

Vacancies

132

Category

IPPB Executive Syllabus and test Pattern

Selection Process

Online Exam, Group Discussion, and Interview

Maximum Marks

200

Duration

2 hours

Negative Marking

1/4th mark for every incorrect answer

IPPB Executive Syllabus 2023 PDF

Aspirants must get the IPPB syllabus PDF for Executive from the link shared below to understand the Topics covered in each section of the syllabus. Get the direct link to get the IPPB Executive test Syllabus below:

IPPB Executive Syllabus 2023

The IPPB Executive syllabus is divided into five subjects, i.e., Reasoning, Quantitative aptitude, English, General Awareness, and Computer Knowledge. Check the subject-wise IPPB Executive syllabus PDF for the written test discussed below.

IPPB Executive test Syllabus 2023

Subject

Important Topics

Quantitative Aptitude

Average

Simplification/ Approximation

LCM and HCF

Percentage

Permutation and Combination

Probability

Number Systems

Profit and Loss

Ratio and Proportion

Simple Interest and Compound Interest

Time and Work

Speed, Time, and Distance

Partnership

Mixtures and Alligations

Data Interpretation

Pipes and Cistern

Mensuration

Surds and Indices, etc

IPPB Reasoning Ability Syllabus

Odd One Out

Alphanumeric Series

Puzzles

Directions & Distance

Venn Diagram

Alphabet Test

Ranking and Order

Syllogism

Coding-Decoding

Seating Arrangement

Blood Relations

Input-Output, etc

English Language

Reading Comprehension

Fill in the blanks

Cloze Test

Para jumbles

Tenses Rules

Vocabulary

Fillers

Sentence Rearrangement

Phrase Replacement, etc

General Awareness

Banking and Financial Awareness

Culture

Current Affairs

Static General Knowledge

Science

Important Schemes

Books and Authors

Sports

Awards and Honors

General Polity etc

Computer Knowledge

Basic Knowledge of the Internet

History of computers

Networking

Short cut keys

Computer Abbreviations

MS Office

Software and Hardware Fundamentals

Input & Output Devices

Database, etc

Weightage of IPPB Executive Syllabus 2023

The IPPB Executive test pattern comprises five objective-type sections for 200 marks and will be conducted online. The test duration is 2 hours, and there will be a negative marking of 1/4th mark for every incorrect answer in the exam. Check the test pattern for IPPB Executive recruitment shared below.

IPPB Executive Syllabus 2023 test Pattern

Subject

Number of Questions

Maximum Marks

Duration

Reasoning

50

50

2 hours

English

40

40

Quantitative Aptitude

50

50

Computer Knowledge

20

20

General Awareness

40

40

Total

200

200

How to Cover IPPB Executive Syllabus 2023?

Acing the IBBP executive online test is no cakewalk. However right strategy can maximize the chances of qualifying for the exam. A huge number of candidates appear for this online test every year, which in turn increases the competition against limited vacancies. So, candidates should check the Executive IPPB syllabus carefully and jot down important topics. Here are the best tips and tricks to ace the IBBP executive online test with flying colors.

  • Analyse the IPPB Executive syllabus and test pattern carefully and prepare a list of Topics as per their marks' weightage.
  • Choose the best IPPB Executive books and online resources to gain conceptual clarity in order to solve a wide range of Topics with ease.
  • Attempt mock papers and IPPB Executive's previous year's question papers to boost question-solving speed and focus on all the points that require attention.
  • Revise all the topics/chapters covered so far, formulas, short-cut techniques, etc. regularly.
  • Best Books for IPPB Executive Syllabus 2023

    Candidates should finalize the best IPPB executive books for every subject based on the accurate edition, pattern, and curriculum. The right books and materials can help them to prepare for the latest subject-wise IPPB syllabus executive. The list of best IPPB Executive test books for all the sections is tabulated below:

    IPPB Executive Books 2023

    Subject

    Book Names

    General Awareness

    Lucent’s General Knowledge

    English

    Objective General English by SP Bakshi

    Numerical Ability

    Quantitative Aptitude for Competitive test by RS Aggarwal

    Reasoning

    A Modern Approach to Verbal and Non Verbal Reasoning by RS Aggarwal

    Computer Knowledge

    Objective Computer Awareness by Arihant Experts

    FAQ How to prepare for IPPB Executive Syllabus?

    To prepare well for the IPPB Executive online exam, one must thoroughly check the IPPB Executive syllabus, gain conceptual knowledge, and attempt mock papers and previous papers to obtain desired results.

    What is the IPPB Executive 2023 test Pattern?

    As per the IPPB Executive test pattern, the online written test is divided into five sections. The written test comprises 200 questions for 200 marks. The test duration is 2 hours.

    Is there any negative marking in IPPB Executive 2023 Exam?

    Yes. There will be a negative marking of 1/4th or 0.25 marks for every incorrect response in the IPPB Executive 2023 exam.

    What is IPPB Executive Syllabus 2023?

    The IPPB Executive syllabus is divided into five subjects, i.e., Reasoning, Quantitative aptitude, English, General Awareness, and Computer Knowledge.


    The best PDF editors for 2023

    The PDF file format has great support for text and video, as well as an efficient file size, making it a great format for all kinds of documents and data. It’s also excelelnt for preserving the quality and formatting of a document.

    Adobe Acrobat is perhaps the most well-known PDF editor, but there are other options to consider. Having access to a PDF editor opens the possibility of editing document texts, adding images, filling out forms, and converting your PDF files to other formats. A PDF editor is a useful tool if you work with this format regularly.

    Our guide to the best PDF editors will help you choose the right editor for your needs.

    Adobe Acrobat Pro DC The best PDF editor overall Adobe Acrobat Pro DC edit button. Adobe

    Adobe first introduced the PDF format nearly 30 years ago, and Acrobat Pro DC is the current industry standard for editing PDF files. It’s a PDF editor that combines the hallmarks of the other programs on their list into a unified piece of software. It’s also one of the few premium programs available for both Windows and MacOS. Acrobat Pro DC boasts dedicated mobile functionality (with iOS and Android apps) and the ability to convert various file formats to PDF, including multiple web pages (HTML), Word documents, Excel spreadsheets, PowerPoint presentations, and even scans or image files like PNG or JPEG.

    Simply put, you can’t do much better than the premium version of Adobe Acrobat Reader for editing your PDF files. It has an array of text-editing options, and can instantly convert and save scanned documents to PDF. It even has the ability to merge multiple PDF files. Adobe’s editing options also include reordering pages, page rotation, annotations, page cropping, page removals, and being able to split PDFs into separate files.

    Get Adobe Acrobat Pro

    Microsoft Word The most convenient PDF editor A blank document page in Microsoft Word on a blue desktop background. Image used with permission by copyright holder

    If you use Microsoft Office, then you already have access to a versatile PDF document editor.

    In the past, versions of Microsoft Word were limited to saving a document in or out of the PDF format, and that was about it. However, the more accurate 2013, 2016, 2019, 2021, and Microsoft 365 versions allow you to open a PDF and then make specific edits to the piece as a Word document. When finished, you can save it as a PDF again. This is especially useful because many people are already most comfortable editing documents in the Microsoft Word format.

    It’s a simple tool, and formatting doesn’t always line up correctly based on the PDF, but it’s an excellent alternative if you need to dip into a PDF fast for a bit of basic editing or text changes. Plus, Word is a straightforward editing tool for employees and students who are already familiar with Word and don’t want to learn a new program.

    While there are limited ways you can use Microsoft Word for free, it is generally software that you have to pay to use, either via a subscription or a hefty one-time payment.

    Try Microsoft Word

    PDF Architect 9 The most fully-featured PDF editor An opened document in PDF Architect. Image used with permission by copyright holder

    German company Pdfforge has a unique purchase model for its PDF Architect program. It’s available as a free get or as part of three separate packages (Standard, Professional, and Pro+OCR). Each package includes a set of modules for the program, which dictate its editing power. The Standard package includes the Edit, Convert, and Page modules. Professional features all the modules from the Standard package and adds the Review/Comment, Secure, and Forms modules. Finally, Pro+OCR has everything from the Professional package and the OCR Advanced module. Full descriptions of each module can be found on the Pdfforge website.

    Even the Pro+OCR package is available at a reasonable price, and the full suite of editing tools makes up one of the most complete, inclusive PDF editors out there. The latest version of PDF Architect is PDF Architect 9, and premium subscriptions to it include features such as editing text, the ability to convert PDFs into other file formats, support for comments/annotations, and password protection of your PDFs.

    There is a (limited) free version of PDF Architect 8. It lets you convert Word, Excel, or PowerPoint documents into PDFs, rotate PDFs, or even merge PDFs and delete pages.

    Get PDF Architect 9

    Sejda PDF Editor The best online PDF editor A Sejda PDF editor web app screenshot showing the web app's various editing options and a Save button. Image used with permission by copyright holder

    Sejda is a web app designed for speedy PDF editing, and it does that very well. It’s straightforward, focusing on fast PDF signatures and only basic text editing for the files you upload. But that’s also why they like it. This online, free PDF editor lets you do all sorts of things to PDFs, including changing font formatting, adding images, filling out forms, adding or editing hyperlinks, adding form fields, making annotations, and signing PDFs. You can even sign a PDF file with three options: Drawing your signature with your mouse, typing in your name, or uploading an image of your signature.

    It provides explicit instructions, making it hard to mess anything up, and it’s quick. If your boss or co-worker doesn’t really understand how to use technology or have the patience to get new apps — but you still need their signature on a random PDF file — this is one of the best ways to e-sign a document.

    If you’re looking for an easy online PDF editor, then provide this one a shot. The free version does come with some limitations, however: You can only upload up to 200 pages or 50 Mb and you can only do three “tasks per hour.”

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    PDFescape The best free PDF editor A PDFescape app interface screenshot showing a sticky note feature being added to a document. Image used with permission by copyright holder

    PDFescape is a free web app, so it’s accessible through your favorite browser. There’s no lengthy installation process to slow down your work. Users can access the editor using any operating system, as long as they can connect to the internet. PDFescape’s service is compatible with Safari, Microsoft Edge, Chrome, Internet Explorer, Firefox, and Opera browsers.

    You can just pull up a PDF document in the PDF viewer and start adding text and images and even white-out old content. There are handy features like zoom and rotate to see small or awkwardly angled text better, and you can use a flurry of standard tools, such as a form designer and several annotation features.

    There’s also a desktop version with all of the same features as the free online version, plus desktop PDF editing, more editing features, the ability to print and scan to PDF, and you can publish PDF forms. Depending on which premium plan you select, the desktop version can cost $3 or $6 per month (when billed annually), but you can test them out with a free trial. Luckily, you won’t need an internet connection to use the premium desktop versions, and $3 to $6 a month isn’t too bad. Overall, it’s a functional, simple PDF editing tool. If you aren’t looking for anything too complicated, provide it a try.

    Get PDFescape

    Foxit PDF Editor The best PDF editor for professionals The main menu screen of the Foxit PDF editor online free web app. screenshot

    Foxit PDF Editor is a great premium option for businesses and professionals that need more editing tools. The first thing you need to know is that there are three kinds of editor products: PDF Editor Online, Foxit PDF Editor, and Foxit PDF Editor Pro. The Online version looks like it’s a free option, but it’s not — it requires you to sign up for an account, and you’ll only get a free trial, after which you’ll be prompted to sign up for a subscription. With the Online version, you can edit and add text and objects, insert and delete pages, convert from other file formats, and even password protect, sign, and redact parts of PDFs.

    The standard PDF Editor version is available for Windows, MacOS, online, Android, and iOS, and it’s $79 per year. It comes with six feature sets: Edit, Review, Manage, Share, Protect, and Create. PDF Editor Pro is only available on Windows, costs $99 per year, and comes with everything in the standard version plus three more feature sets: Advanced Collaboration, Advanced Editing, and Advanced Security. Both of these options also offer free trials so you can test them out.

    Get Foxit PDF Editor

    PDF-XChange Editor Another great free PDF editor A PDF-XChange Editor desktop app screenshot from its developer showing a PDF document that features a photo of a woman. PDF-XChange Editor/Tracker Software

    PDF-XChange Editor is a free PDF editor that comes with a laundry list of features. Some of these features include editing text, adding or listening to audio comments, annotations, adding custom stamps, adding or editing hyperlinks, and the ability to move, add, or edit bookmarks. You won’t, however, be able to edit scanned documents. PDF-XChange has support for Sharepoint, Google Drive, and Microsoft Office 365, which means you can access documents via those cloud services and convert them to or from a PDF as needed by using PDF-XChange Editor.

    If you need more than what the free version offers, you’ll need to upgrade to purchasing a license. If you do so, you’ll gain access to features such as Bates numbering, deleting pages, moving pages, inserting blank pages, and header and footer support. It’s also worth noting that the free version will put a watermark on the documents you edit or create with that version. Licenses start at $46 for one user with one-year maintenance.

    PDF-XChange Editor is only compatible with Windows devices.

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    PDFelement Pro PDF Element editing PDF files. iSkySoft / iSkySoft

    PDFelement Pro from iSkysoft is a PDF is a free and paid-for PDF editor with a range of impressive features. Of the paid versions, there are two main types: PDFelement and PDFelement Pro. The free version leaves any exported files with a watermark, and you’re restricted on the number of pages that can be saved or converter. That said, if you simply need to make and save edits on a PDF for just a few pages and you don’t mind a watermark, the free trial version could work for you.

    If you don’t want the watermarked trial version, but you only need the software for just basic editing, you may want to consider purchasing the standard PDFelement software license that comes with the ability to do things like create and edit PDFs, convert them, add annotations and comments, reorder and delete pages, and password-protect your PDFs. This base subscription costs $80 for he year, with longer plants available at discount rates. The perpetual plan with unlimited use of PDF ELement forever, costs $130.

    Wondershare PDFelement is available for both Windows and MacOS devices. The availability of certain software features will vary among these operating systems. Some features are only available in the Windows version.

    Get PDFelement Pro

    FAQ What should you look for in a PDF editor?

    There are a few factors you should look for when choosing a PDF editor:

  • File format compatibility and support. Will it allow you to convert your document file into a PDF or vice versa? Which file formats does the PDF editor support and do they include the format of your particular document? This is particularly important for editing scanned documents.
  • Will the edited version of your document retain the same formatting as the original? Sometimes after editing a PDF via a third-party app or editor, you can lose the original formatting of your document, or the formatting will just look awkward and off. Make sure that the editor you choose is able to keep your newly edited document formatted the same.
  • Does it have a simple interface with a few features or complex one with lots of editing options and which do you prefer? This depends on your actual needs. If you frequently edit PDFs and need access to lots of editing features, you may be better off using an app with lots of options, but a cluttered user interface. It may take longer for you to learn how to use it, but if you’re a frequent PDF editor, it may be worth it in the long run. If all you need is a quick edit here and there and don’t require complicated edits, you should opt for an editor that has a simple and easy to use interface, though you may sacrifice access to more detailed editing features.
  • Free or paid? Free editing apps tend to be best for those who don’t need to edit PDFs that often or don’t need access to a wide variety of editing options. Premium editing apps tend to be more worth it for those who regularly edit PDFs and need to do extensive and detailed editing. This is because paying a subscription or one-time fee will usually unlock more features or editing options that the free versions don’t have.
  • What are the benefits of using Microsoft Word to edit PDFs?

    There are lots of benefits to using Microsoft Word for editing PDFs:

  • You’re probably already familiar with the software. It’s likely that you’ve already used Microsoft Word before in school or at the office. So you won’t need to learn a new editing software and it’ll be easier for you to use.
  • It’s probably already on your computer. If you have a Microsoft 365 subscription, you already have Microsoft Word on your computer, which means you don’t need to get or pay for a new editing software.
  • You can easily convert it to a Word document for editing and then save it again as PDF. Later versions of Word will allow you to convert your PDFs into Word documents for easy editing. Then you can save your newly edited Word document as a PDF.
  • It’s ideal for quick editing or text changes. If all you need to do is change a few words or make other minor edits, Microsoft Word is a good option for those quick-and-dirty edits. If you need a PDF editor that can handle more complex edits or does a better job of maintaining your document’s original formatting, then you may want to look at other PDF editor options.
  • Want to learn more about editing PDF files? Here’s how to combine PDF files and how to convert a PDF into excel.

    Editors' Recommendations

    Best No-Exam Life Insurance Of August 2023

    Calculate How Much Life Insurance You Need

    A no-exam life insurance policy may not be able to provide the full coverage amount you need, especially if you’re looking to cover many working years or the years of raising a family.

    Before you start getting life insurance quotes, calculate how much life insurance you need. A no-exam policy alone may not be able to provide sufficient coverage.

    Assess Your Chances Before You Apply

    Getting life insurance without a long application process is appealing, but don’t jump into a no-exam life insurance application without understanding your chances of getting approved. Many no-exam policies require very good or excellent health for approval. A denial goes on your insurance record and could hinder future applications.

    Don’t be surprised if you end up doing a more traditional application process, including a life insurance medical test if you’ve had some health issues.

    Look Beyond the Cost

    Of course you don’t want to overpay for life insurance, but research more than cost. There are coverage options that can be very valuable long after you buy the policy, such as the option to convert term life to permanent life insurance. Also, look at whether there’s an accelerated death benefit, which gives you access to money from your own death benefit if you become terminally ill.

    Be Truthful On the Application

    No matter what type of life insurance you’re applying for, be thorough and truthful on the application.

    “Pay attention to each question carefully and be ready to respond with information around specific medical conditions you have. Giving more detailed information will help streamline the process as well as get a more accurate underwriting decision,” says Tavan of Legal & General America.

    Intentional misrepresentations can lead to application denials or, worse, denial of a claim after you pass away. Life insurance companies have many ways to verify application information. Technology on the backend allows them to verify data from additional sources.

    Have a Plan in Case of a Rejection

    If the company rejects you for no-exam life insurance because of your health, don’t provide up your life insurance search. If you need life insurance, you likely have other routes.

  • Be prepared to go through a more traditional underwriting process that involves a life insurance medical exam.
  • Work with an experienced life insurance agent who can identify insurers known to be more friendly to your specific health conditions.
  • An experienced life insurance agent can shop around your application anonymously so that you don’t risk another rejection.
  • Looking for traditional term life insurance? See Forbes Advisor’s ratings of the best term life insurance.


     


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