Illinois Life & Health Insurance License Practice Exam
Illinois requires two separate exams to get licensed — a General exam and an Illinois State exam. Practice both right here.
Choose Your Exam
Illinois requires passing both exams separately — practice each one here.
General Exam
National life and health insurance product knowledge — covers life insurance, health insurance, annuities, and federal regulations like HIPAA, COBRA, and Medicare.
Illinois State Exam
Illinois-specific statutes and regulations — Illinois Insurance Code, Director authority, replacement rules, and Illinois Life & Health Guaranty Association.
Illinois L&H — Study by Topic
Drill individual domains from either exam before attempting the full timed versions above.
Life Insurance
Whole life, term, universal life, annuities, policy provisions, riders — General exam content.
Health Insurance
Disability income, AD&D, medical expense, Medicare, group insurance — General exam content.
Annuities & Retirement
Fixed, variable, indexed annuities, qualified plans — General exam content.
Illinois State Law
Illinois Insurance Code, Director authority, replacement rules, IL Guaranty Association — State exam content.
About the Illinois Life & Health Insurance Exam
To get your Illinois Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $60–$80. Illinois is regulated by the Illinois Department of Insurance (IDOI) under Illinois Insurance Code (215 ILCS 5). Visit insurance.illinois.gov for official licensing information. IDOI Director appointed by Governor (not Commissioner); Illinois Life and Health Insurance Guaranty Association (215 ILCS 5/531.01); large Chicago commercial market; PSI Bridge available; background check via IDOI.
Pre-licensing education in Illinois: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Illinois renewal application. How to get licensed in Illinois: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Illinois producer license.
How to get a Illinois Life & Health insurance license in 2026: The Illinois Department of Insurance (IDOI) (insurance.illinois.gov) administers all producer licensing in Illinois. Exam: PSI Services LLC, $60–$80, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Illinois Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Illinois Department of Insurance (IDOI).
IDOI (insurance.illinois.gov). 215 ILCS 5 (Illinois Insurance Code). Director (not Commissioner) appointed by Governor. PSI Bridge available. IL L&H Guaranty Association. 20-hr pre-licensing per line.
Frequently Asked Questions — Illinois L&H Insurance Exam
How do I get a Illinois Life & Health insurance license?
To become a licensed Life & Health producer in Illinois: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($60–$80, 70%); (4) Apply for your Illinois producer license. The Illinois Department of Insurance (IDOI) (insurance.illinois.gov) oversees all insurance producer licensing in Illinois.
What exam does Illinois use for Life & Health insurance licensing?
Illinois uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $60–$80. Passing score: 70%. IDOI Director appointed by Governor (not Commissioner); Illinois Life and Health Insurance Guaranty Association (215 ILCS 5/531.01); large Chicago commercial market; PSI Bridge available; background check via IDOI.
Does Illinois require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.illinois.gov.
What are Illinois's CE requirements for Life & Health producers?
Illinois requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Illinois Department of Insurance (IDOI) at insurance.illinois.gov for CE provider information.
What makes Illinois unique for Life & Health insurance licensing?
IDOI Director appointed by Governor (not Commissioner); Illinois Life and Health Insurance Guaranty Association (215 ILCS 5/531.01); large Chicago commercial market; PSI Bridge available; background check via IDOI.
Practice Exam Questions — Illinois Life & Health
5 state-specific questions drawn from the Illinois exam content outline. Correct answer highlighted in green.
Illinois insurance regulation is led by:
- The Illinois Insurance Commissioner, who is elected
- The Director of Insurance, appointed by the Governor — Illinois uses 'Director' not 'Commissioner'; heads IDOI; 122 S. Michigan Ave., Chicago IL 60603; insurance.illinois.gov; 215 ILCS 5
- The Illinois Secretary of Finance
- A three-member Insurance Board appointed by the Legislature
Illinois L&H exams are administered by:
- Pearson VUE
- Prometric
- PSI Services LLC — PSI Bridge available; exam fee $60-80; 70% to pass; 20-hr pre-licensing per line required
- IDOI directly
The Illinois L&H Insurance Guaranty Association is governed by:
- 215 ILCS 5/355.14 (L&H)
- 215 ILCS 5/531.01 et seq. — protects Illinois L&H policyholders when an admitted L&H member insurer becomes insolvent; surplus lines NOT covered
- 215 ILCS 5/537.01 (this is the P&C Guaranty Fund)
- 215 ILCS 5/124 (foreign insurers)
Illinois CE requires:
- 24 hours biennial — IDOI-approved providers; renewal biennial on last day of birth month; Director (not Commissioner) appointed
- 30 hours triennial
- 16 hours biennial
- No CE — permanent license
The Illinois Insurance Code is found at:
- Illinois Revised Statutes Title 20
- 215 ILCS 5 — the Illinois Insurance Code within the Illinois Compiled Statutes; IDOI administers at insurance.illinois.gov; Director appointed by Governor
- Illinois Administrative Code Title 50
- Illinois Code of Civil Procedure Chapter 215