The life and health insurance exam is the state licensing test for insurance producers (agents). Each state sets its own rules, but most require prelicensing education, a proctored exam and a background check. Looking for the medical exam insurers give applicants instead? See our life insurance medical exam guide.
Practice with the free life and health insurance practice exam.
Key takeaways
- Most states require a 70% score to pass.
- Exams are delivered by Pearson VUE, PSI or Prometric, depending on the state.
- Prelicensing education is often 20–40 hours per line.
- Covers policy types, provisions, taxation, and state laws and regulations.
USA Life and Health Insurance Exam: Quick Facts
- Regulated by
- Each state’s Department of Insurance
- Passing
- 70% (most states)
- Vendors
- Pearson VUE, PSI, Prometric
- Prelicensing
- Often 20–40 hours
Life and Health Insurance Exam Topics
| Life | Health |
|---|---|
| Term, whole, universal and variable life | HMOs, PPOs, POS and indemnity plans |
| Policy provisions, riders and options | Disability income and long-term care |
| Annuities | Medicare, Medicaid and Medicare supplements |
| Taxation and retirement plans | Group coverage, COBRA and ACA basics |
| State laws: licensing, replacement, unfair practices | State laws and regulations |
Selling variable products also requires FINRA licenses. See the Series 6 and SIE.
More on Life and Health Insurance Exam Topics →Free practice test
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Go to the USA Life and Health Insurance Exam practice test →USA Life and Health Insurance Exam FAQs
What score do you need to pass the life and health insurance exam?
Most states require 70%. Check your state’s candidate handbook.
Full answer →How long is the life and health insurance exam?
It varies by state, commonly about 100–150 questions over 2–3 hours for the combined exam.
Full answer →Is the insurance license exam hard?
First-time pass rates are often around 50–60%, so plan for practice exams.
Full answer →Official sources
Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.