Life and Health Insurance Practice Test

If you need help studying for the Life and Health Insurance exam or just want some more information about what the exam is like, you’ve come to the right place.

Click below to take a free Life and Health Insurance practice test!


The good news is that there are no strict eligibility requirements for standard life and health insurance exams! About a third of all life and health insurance agents have a college degree, but you can take the exam with just a high school diploma or GED.

What’s on the Exam?

It depends!

Every state has its own version of the exam, so the structure and content of the exam will vary. For example, the Texas Life and Health Insurance exam has 95 scorable questions, with 50 focused on national content and 30 specific to Texas regulations. In contrast, California splits its exams, with Life Insurance containing 75 questions and Health Insurance 100 questions, both focused on national insurance knowledge.

Your state’s insurance department determines what topics are covered on the exam, but most life and health insurance exams cover the following general topics:

  • Insurance regulations
  • Ethics relate to insurance
  • Types of life insurance
  • Types of health insurance
  • Annuities
  • Risk assessment
  • Policy provisions
  • Marketing and sales practices

How to Register

Every state will have its own set of registration procedures, so the best thing to do is visit your state’s insurance department website. For instance, some states require taking a pre-licensing course before you can register to take the exam.

The exam fee will also vary from state to state, usually falling anywhere between $30 and $120.

Passing Score

Most states have a passing score requirement of 70%, but this may vary slightly from state to state.

Life and Health Study Guide and Flashcards

Get practice questions, detailed study lessons, and complex subjects broken down into easily understandable concepts.

LifeHealthStudy Guide

Retaking the Exam

If you didn’t get a passing score on your first try, that’s okay! You can retake the test as many times as you want.

Online Life & Health Prep Course

If you want to be fully prepared, Mometrix offers an online Life & Health Insurance prep course. The course is designed to provide you with any and every resource you might want while studying. The Life & Health Insurance course includes:

  • Review Lessons Covering Every Topic
  • 400+ Life & Health Practice Questions
  • More than 300 Digital Flashcards
  • Money-back Guarantee
  • Free Mobile Access
  • and More!

The Life & Health prep course is designed to help any learner get everything they need to prepare for their Life & Health Insurance exam. Click below to check it out!

Ad for a Mometrix online course



How hard is the Life and Health Insurance exam?


The exam isn’t super difficult, but you should spend an adequate amount of time studying beforehand to ensure a higher score.


How many questions are on the Life and Health Insurance exam?


The number of questions varies from state to state.


What is the time limit for the Life and Health Insurance exam?


The time limit varies from state to state, often ranging from 2 to 4 hours.


What is the passing score for the Life and Health Insurance exam?


Each state has its own passing score requirements, but most require a score of at least 70% to pass.


How much does the Life and Health Insurance exam cost?


The testing fee varies significantly from state to state.