All Life Insurance Practice Tests
Take a life insurance practice test below. Make sure to review the answer explanations at the end of each exam to learn key concepts.
Health and Life Insurance Exam Overview
The life and health insurance exam are for anyone who wants to be able to sell or continue selling life insurance.
By passing this exam, the test taker is then licensed to sell life and health insurance in whatever state they live in, but they must renew their licensing every two years.
How Many Questions are on the Life Insurance Exam?
The number of questions on the life insurance exam varies from state to state. Some states give a separate exam with different sections. Some states give a combined exam that includes everything.
- Separate Exam: 50 to 110 Questions for Each Section. 1-3 Hours Long Per Section.
- Combined Exam: 85 to 170 Questions. About 2 Hours Long.
Check the table below to see what your state requirement is.
| State | Number of Questions | Time Allotted (Minutes) | Test Style |
|---|---|---|---|
| Alabama | 100 | 120 | Combined |
| Alaska | 220 | 310 | Separate |
| Arizona | 150 | 150 | Combined |
| Arkansas | 180 | 300 | Separate |
| California | 150 | 180 | Separate |
| Colorado | 191 | 225 | Separate |
| Connecticut | 145 | 150 | Combined |
| Delaware | 211 | 270 | Separate |
| Florida | 165 | 175 | Combined |
| Georgia | 135 | 150 | Combined |
| Hawaii | 191 | 240 | Separate |
| Idaho | 170 | 260 | Separate |
| Illinois | 206 | 270 | Separate |
| Indiana | 150 | 180 | Combined |
| Iowa | 187 | 240 | Separate |
| Kansas | 156 | 180 | Combined |
| Kentucky | 100 | 120 | Separate |
| Louisiana | 150 | 160 | Combined |
| Maine | 161 | 210 | Combined |
| Maryland | 140 | 150 | Combined |
| Massachusetts | 200 | 240 | Separate |
| Michigan | 150 | 150 | Combined |
| Minnesota | 145 | 180 | Combined |
| Mississippi | 140 | 240 | Separate |
| Missouri | 170 | 180 | Combined |
| Montana | 205 | 255 | Separate |
| Nebraska | 150 | 150 | Combined |
| Nevada | 170 | 215 | Combined |
| New Hampshire | 150 | 150 | Combined |
| New Jersey | 181 | 420 | Separate |
| New Mexico | 150 | 150 | Combined |
| New York | 150 | 150 | Combined |
| North Carolina | 120 | 150 | Separate |
| North Dakota | 220 | 300 | Separate |
| Ohio | 150 | 150 | Combined |
| Oklahoma | 155 | 210 | Combined |
| Oregon | 150 | 160 | Combined |
| Pennsylvania | 150 | 170 | Combined |
| Rhode Island | 92 | 120 | Combined |
| South Carolina | 100 | 150 | Combined |
| South Dakota | 145 | 150 | Combined |
| Tennessee | 164 | 210 | Separate |
| Texas | 150 | 150 | Combined |
| Utah | 150 | 150 | Combined |
| Vermont | 155 | 150 | Combined |
| Virginia | 150 | 150 | Combined |
| Washington (state) | 150 | 195 | Combined |
| Washington D.C. | 85 | 120 | Combined |
| West Virginia | 180 | 240 | Separate |
| Wisconsin | 200 | 240 | Separate |
| Wyoming | 150 | 150 | Combined |
Topics Tested on the Life and Health Insurance Exam
While the types of questions vary from state to state, the subject areas covered on each exam will be relatively similar. Here are the topics you can expect to see when you take any life and health insurance exam:
- General insurance (5%)
- LI Basics (7%)
- LI Policies (7%)
- Insurance regulation (5%)
- Policy provisions, options, and riders (8%)
- Qualified plans (4%)
- HI basics (5%)
- Medical plans (8%)
- Individual health insurance policy general provisions (4%)
- Group health insurance (7%)
- Dental insurance (2%)
- Disability income and related insurance (3%)
- Insurance for senior citizens and special needs individuals (8%)
- Health maintenance organizations (3%)
- Annuities (6%)
- Federal tax considerations for life insurance and annuities (5%)
- Federal tax considerations for health insurance (3%)
- Additional considerations for life and health insurance counselors (10%)
Scoring of the Life and Health Insurance Exam
You will need a 70% or higher on your exam to pass. If you live in a state that administers 100 questions, you would need to answer 70+ questions correctly to pass.
Keep in mind that a perfect score and a 70% both get you the same result. When studying, make sure you grasp the core concepts first and then get more granular with your studies.
Benefits of Using a Life Insurance Practice Exam
Using a life insurance practice test is one of the best ways to study for your state’s life and health insurance exam. Here are some benefits:
- Efficient Studying: By utilizing old life insurance test questions, you become a more efficient studier. You can see which areas you struggle with and can focus your studies on those areas.
- Familiarity with the Exam: You can become a faster test taker by using life insurance sample questions. They help you familiarize yourself with the questions so you can understand what is being asked and how to answer.
- Detailed Answer Explanations: You can learn key concepts and why an answer was correct or incorrect with our explanations. This will help you be better prepared on exam day.
Frequently Asked Questions
Are life and health insurance exams the same in different states?
No, the tests vary greatly from state to state. Whether it’s types of questions, length of test, number of questions, or if the test is combined or separate, there are many differences in the life and health insurance exam based on the state you are seeking licensing it.
Are there education requirements for the life and health insurance exam?
Yes, most states require that you take so many hours of insurance-related education before qualifying to take the life and health insurance exam. Again, the hours required will vary depending on the state you want to be licensed in.
What is the application process like for the life and health insurance exam?
After taking insurance-related classes, you must complete a pre-licensing course and exam. Once you have that, you may apply to take the exam, which includes getting fingerprinted and passing a comprehensive background check. Then you can take the life and health insurance exam!
Is the life and health insurance exam multiple-choice?
Yes, the life and health insurance exam is always a multiple-choice format, typically with four answers per question. This means that if you are struggling to find an answer, you should be able to narrow it down or have a 25% chance of guessing the right answer.
