If you are considering a career in the health and life insurance field, you are going to need to get familiar with the Life and Health exam. Life and health insurance agents reach out to potential clients, explain a number of insurance policies to them and help them choose the one that works for them. Life and health insurance agents help insurance companies gain new business. The Life and Health exam are specific to each state, so the content and requirements are different depending on where you live. But wait, before you panic, it’s important to keep in mind that the topics you will be tested on as well as the scores are pretty similar no matter where you live.
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What do life and health insurance agents do on a daily basis?
On a day to day basis, life and health insurance agents call potential clients, explain various policies to them, interview potential clients to match them with health and life insurance policies, and help policy holders settle claims.
Who is eligible to take the Life and Health exam?
The good thing about the Life and Health exam is that no formal education is required in order to take it. What you do need is a high school diploma or GED and a lot of studying.
In the state of Texas, eligible candidates will be at least 18 years old and have submitted a completed application.
Registering for the Life and Health exam is specific to the state you’re living in, so you may need to check in your area.
How much does the Life and Health exam cost?
Exam fees vary from state to state. However, in the state of Texas, the exam fee is $50. Exam fees are nonrefundable. You may pay using a credit card, a debit card, a voucher, or an electronic check.
You may need to call the facility where you will be taking the exam to find out how much they charge if you are not a Texas resident.
What will I be tested on?
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The general topics you will be tested on include but is not limited to types of life insurance policies; medical plans; health maintenance; annuities; dental, individual, and group policies; health insurance general knowledge; taxes, retirement, and other insurance concepts; marketing practices; as well as general knowledge about life insurance.
What score do I need to obtain in order to pass?
Scores fluctuate depending on the state. However, in most cases, the passing score is 70%.
How many questions will be on the life and health exam?
This depends on the state you are in. The amount of time you will get to complete the exam also depends on where you live.
Life and Health Insurance License Exam Cram
What will test day be like?
On the day of your exam be sure to arrive either on time or earlier. You will need to have your government issued ID with you. Other requirements vary by state. Personal items such as bags, electronics, and study material may not be allowed in the testing room with you. You may be better off leaving valuable items at home if possible. Lockers may or may not be provided at the testing facility, so you may want to call in advance to make sure.
Where will I be taking the exam?
The exam is normally given at Pearson Vue testing facilities located in Texas and throughout the country. However, depending on where you live, you may take it at a different location.
When will I get my results?
This depends on the state. Some states give you your results immediately upon completion of the exam, while other states mail your results within a few weeks.
Do I need to renew my license?
Typically, you will need to renew your license every two years, but this may vary depending on state.
What if I need to cancel my exam?
If you need to cancel your exam, you must do so at least 48 hours before you are scheduled to sit for the exam. If you cancel within the acceptable amount of time, you may be able to transfer the fee to a new test date or request a refund. However, this depends on the state.
How can I prepare for the Life and Health exam?
In order to pass the Life and Health exam, you need a reliable study resource. Mometrix Test Preparation offers both a study guide and flashcards to those preparing for the Life and Health exam. Our study guide is filled with the type of content and sample questions that will be found on the Life and Health exam, and our flashcards help you study through the use of repetition. By using Mometrix Test Preparation, you can rest easy knowing that you are studying the right way.
Take the self assessment module quiz below (make notes of your scores and remember which revealed significant gaps in your learning):
by Mometrix Test Preparation | Last Updated: April 5, 2019