I passed the state exam on Thursday. Completed the online course rather quickly and did a 3-day crash course, via webinar through the Andy Beverly Course. Took the test 5 days after the crash course. Flash cards were a great help and the test was much more difficult than I expected. However, with most of the questions, you can easily eliminate 2 of the possible 4 answers if you know the concepts. My test did not have one question on coinsurance and was primarily focused on Homeowners, CGL and surprisingly, WC.. Each test is different as they say. Good luck to all!