Hi jan,

LOL. Yes, I can't wait to not have to study. I'realized after all is said and done, that reviewing the OLT material and questions after each section, have been excellent! I'm fortifying my strong areas and getting a better understanding of my weaker areas. I'm so glad I still have access and will share that in the forum.

What I meant by the coinsurance problem is that after determining if the coverage is 80% or more, then the only time the deductible would have an impact is if the loss less the deductible, is lower than the coverage limit. Otherwise, the insured receives the coverage limit. That is my understanding but just got complicated.

Thank you for clarifying and confirming.

I put out a couple of other questions last night that are basic calculations and if the OLT system would provide an explanation for the calculation, it would help students a lot. Otherwise, we have to find the information in the manual and that's time-consuming because of all the details to sift through.