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Business-Tests Series6 Exam (NASD Series 6) Detailed Information
Series 6 Exam
This exam is administered by the Financial Industry Regulatory Authority (FINRA) Upon successful completion of the Series 6, an individual will have the qualifications needed to sell open end mutual funds and variable annuities. In order to conduct business in annuity contracts the series 6 agent will also be required to pass a state life insurance exam
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Time Limit: 2 hours and 15 minutes
Number of Questions: 100, plus 5 "pre-test" questions
Passing Score: 70%
Format: Multiple Choice
Prerequisites: You must be sponsored by a financial company who is a member of FINRA, or a Self-Regulatory Organization (SRO).
Exam Date(s): Any weekday
Exam Locations: Find your U.S. or international exam center here
Official Exam Website: http://www.finra.org
Exam Topic Weights
Function 1 - Regulatory fundamentals and business development - 22 Questions
Function 2 - Evaluates customer financial information, identifies investment objectives, provides information on investment products, and makes suitable recommendations -
Function 3 - Opens, maintains, transfers and closes accounts and retains appropriate account records - 21 Questions
Function 4 - Obtains, verifies, and confirms customer purchase and sale instructions -
TOTAL 100 Questions
Series 6 Exam Prep Products
Our Series 6 exam prep materials boast the highest pass rates in the industry and will guide you through your entire exam prep process. Our Wiley exam review guides are the very high quality you would expect from the world's largest publisher of financial information. Ensure you are ready to pass your Series 6 exam with our best in class Series 6 exam training materials. Our series 6 GreenLight exam is the perfect way to top off your series 6 exam preparation. Our series 6 materials now come with our Series 6 money back GreenLight Guarantee ™.
How To Master Advanced Annuity Concepts On The Series 6 Exam
and become an Investment Company Representative
One of the keys to passing the series 6 exam is to make sure that you have a complete understanding of how advanced annuity concepts will be tested on the Series 6 Exam. This article, which was produced from material contained in our series 6 textbook, will help you master the material so that you pass the series 6 exam.
Annuity Purchase Options
An investor may purchase an annuity contract in one of three ways. They are:
Single payment deferred annuity
Single payment immediate annuity
Periodic payment deferred annuity
Single Payment Deferred Annuity
With a single payment deferred annuity, the investor funds the contract completely with one payment and defers receiving payments from the contract until some point in the future, usually after retirement. Money being invested in a single payment deferred annuity is used to purchase accumulation units. The number and value of the accumulation units varies as the distributions are reinvested and the value of the separate account's portfolio changes.
Single Payment Immediate Annuity
With a single payment immediate annuity, the investor funds the contract completely with one payment and begins receiving payments from the contract immediately, normally within 60 days. The money that is invested in a single payment immediate annuity is used to purchase annuity units. The number of annuity units remains fixed and the value changes as the value of the securities in the separate account's portfolio fluctuates.
Periodic Payment Deferred Annuity
With a periodic payment annuity the investor purchases the annuity by making regularly scheduled payments into the contract. This is known as the accumulation stage. During the accumulation stage the terms are flexible and if the investor misses a payment there is no penalty. The money invested in a periodic payment deferred annuity is used to purchase accumulation units. The number and value of the accumulation units fluctuate with the securities in the separate portfolio.
An accumulation unit represents the investor's proportionate ownership in the separate account's portfolio during the accumulation or deferred stage of the contract. The value of the accumulation unit will fluctuate as the value of the securities in the separate account's portfolio changes. As the investor makes contributions to the account or as distributions are reinvested, the number of accumulation units will vary. An investor will only own accumulation units during the accumulation stage, when money is being paid into the contract or when receipt of payments is being deferred by the investor, such as with a single payment deferred annuity.
When an investor changes from the pay-in or deferred stage of the contract to the payout phase, the investor is said to have annuitized the contract. At this point, the investor trades in their accumulation units for annuity units. The number of annuity units is fixed and represents the investor's proportional ownership of the separate accounts portfolio during the payout phase. The number of annuity units that the investor receives when they annuitize a contract is based on the pay-out option selected, the annuitant's age and sex, the value of the account, and the assumed interest rate.
Annuity Payout Options
An investor in an annuity has the choice of taking a lump sum distribution or receiving scheduled payments from the contract. If the investor decides to annuitize the contract and receive scheduled payments, once the payout option is selected, it may not be changed. The following is a list of typical payout options in order from the largest monthly payment to the smallest. They are:
Life only/straight life
Life with period certain
Joint with last survivor
Life Only/Straight Life
This payout option will give the annuitant the largest periodic payment from the contract, and the investor will receive payments from the contract for their entire life. However, when the investor dies, there are no additional benefits paid to their estate. If an investor has accumulated a large sum of money in the contract and dies unexpectedly shortly after annuitizing the contract, the insurance company keeps the money in their account.
Life with Period Certain
A life with period certain payout option will payout from the contract to the investor or to their estate for the life of the annuitant or for the period certain, whichever is longer. If an investor selects a 10-year period certain when they annuitize the contract and the investor lives for 20 more years, payments will cease upon the death of the annuitant. However, if the same investor died only two years after annuitizing the contract, payments would go to their estate for another eight years.
Joint with Last Survivor
When an investor selects a joint with last survivor option, the annuity is jointly owned by more than one party and payments will continue until the last owner of the contract dies. For example, if a husband and wife are receiving payments from an annuity under a joint with last survivor option, and the husband dies, payments will continue to the wife for the rest of her life. The payments received by the wife could be at the same rate as when the husband was alive or at a reduced rate, depending on the contract. The monthly payments will initially be based on the life expectancy of the youngest annuitant.
Factors Affecting the Size of the Annuity Payment
All of the following determine the size of the annuity payments:
Payout option selected
Account performance vs. the assumed interest rate (AIR)
The Assumed Interest Rate (AIR)
When an investor annuitizes a contract, they trade their accumulation units in for annuity units. Once the contract has been annuitized the insurance company sets a benchmark for the separate account's performance, known as the assumed interest rate, or AIR. The AIR is not a guaranteed rate of return; it is only used to adjust the value of the annuity units up or down based on the actual performance of the separate account. The assumed interest rate is an earnings target that the insurance company sets for the separate account. The separate account must meet this earnings target in order to keep the annuitant's payments at the same level. As the value of the annuity unit changes, so does the amount of the payment that is received by the investor. If the separate account outperforms the AIR, an investor would expect their payments to increase. If the separate account's performance fell below the AIR, the investor could expect their payment to decrease. The separate account's performance is always measured against the AIR, never against the previous month's performance. An investor's annuity payment is based on the number of annuity units owned by the investor multiplied by the value of the annuity unit. When the performance of the separate account equals the AIR, the value of the annuity unit will remain unchanged and so will the investor's payment. Selecting an AIR that is realistic is important. If the AIR is too high and the separate account's return cannot equal the assumed rate, the value of the annuity unit will continue to fall and so will the investor's payment. The opposite is true if the AIR is set too low. As the separate account outperforms the AIR, the value of the annuity unit will continue to rise and so will the investor's payment. The AIR is only relevant during the payout phase of the contract when the investor is receiving payments and owns annuity units. The AIR does not concern itself with accumulation units during the accumulation stage or when benefits are being deferred.
Contributions made to an annuity are made with after-tax dollars. The money the investor deposits becomes their cost basis and is allowed to grow tax-deferred. When the investor withdraws money from the contract, only the growth is taxed. Their cost base is returned to them tax-free. All money in excess of the investor's cost base is taxed as ordinary income.
Series 6 Certification and Training Programs
A Certified Financial Planner (CFP) training program is designed to get students ready to sit for the CFP Certification Examination, with many programs featuring online courses.
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The Certified Financial Planner (CFP) certification test is used to gauge an applicant's knowledge of specific securities and investment policies. CFP certification is required of anyone who wants to engage in financial planning situations and meet the ever-changing needs of clients. Applicants can train for the CFP exam through school courses or study guides in print or online. Those wishing to enroll in a program must hold a bachelor's degree, and those who go on to take the exam are required to have 3 years of professional experience in the financial planning process.
Series 6 - Investment Company and Variable Contracts Products Representative Examination (IR)
The Series 6 exam—the Investment Company and Variable Contracts Products Representative Qualification Examination (IR)—assesses the competency of an entry-level representative to perform his or her job as an investment company and variable contracts products representative.
The exam measures the degree to which each candidate possesses the knowledge needed to perform the critical functions of an investment company and variable contract products representative, including sales of mutual funds and variable annuities.
The exam consists of 100 scored questions and an additional five unscored pretest questions. Candidates are given two hours and 15 minutes to complete the exam. The passing score is 70 percent.
Please see NASD Rule 1032(b) Investment Company and Variable Contracts Products Representative for more information.
ON THIS PAGE
Taking The Exam
Using Reference Materials
The Series 6 Content Outline provides a comprehensive guide to the range of topics covered on the exam, as well as the depth of knowledge required. It includes sample questions to acquaint a candidate with the types of multiple-choice questions on the exam.
The outline is comprised of the four main job functions of a Series 6 representative:
Function 1 — Regulatory fundamentals and business development
Function 2 — Evaluate customers’ financial information, identify investment objectives, provide information on investment products, and make suitable recommendations
Function 3 — Open, maintain, transfer and close accounts, and retain appropriate account records
Function 4 — Obtain, verify and confirm customer purchase and sale instructions
Download: Series 6 Content Outline
The Series 6 does not have a prerequisite exam.
Please see Register a New Candidate for more information on the registration process.
A candidate who passes the Series 6 exam is qualified for the solicitation, purchase and/or sale of the following securities products:
Mutual funds (closed-end funds on the initial offering only)
Variable life insurance
Unit investment trusts (UITs)
Municipal fund securities (e.g., 529 College Savings Plans, local government investment pools (LGIPs), and Coverdell Education Savings Accounts)
Taking the Exam
The table below lists the allocation of exam questions for each main job function of an investment company and variable contracts products representative.
Job Functions Number of Questions
Function 1 – Regulatory fundamentals and business development 22
Function 2 – Evaluate customers’ financial information, identify investment objectives, provide information on investment products, and make suitable recommendations 47
Function 3 – Open, maintain, close, and transfer accounts and retain appropriate account records 21
Function 4 – Obtain, verify, and confirm customer purchase and sale instructions 10
See On the Day of Your Exam for more information.
Using Reference Materials
The test administrator will provide whiteboard/dry erase marker and basic electronic calculators to the candidates, which must be returned to the test center administrator at the end of the testing session. Some test questions involve calculations. Only the provided calculators may be used during the examination.
The examination may contain questions that require the use of exhibits (e.g., charts, graphs, tables). If so, the questions will indicate when to refer to an exhibit.
Candidates are not permitted to bring any reference materials to testing sessions. Severe penalties are imposed on candidates who cheat or attempt to cheat on FINRA administered examinations.
To learn more about logistics and protocols for your exam day, please see On The Day of Your Exam.