Free Life and Health Insurance Practice Exam
Life and Health insurance license practice exam with questions on life insurance types, policy provisions, annuities, health insurance, Medicare, disability, and state regulations. 70% to pass.
Or choose a specific topic below to drill a domain.
About the Life & Health Insurance Exam
The Life and Health insurance producer license exam is required in all 50 states and Washington D.C. before selling life insurance, health insurance, annuities, disability income insurance, or long-term care insurance. While each state administers its own exam, the national content is largely consistent across all states — covering life insurance policy types and provisions, health insurance plans, annuities, disability and LTC insurance, and the federal laws governing insurance.
Most state L&H exams contain 150–165 questions with a time limit of 2–2.5 hours. Passing scores typically range from 60–70% depending on the state. This national practice exam prepares you for the content that appears in every state, supplemented by state-specific practice exams for your jurisdiction's unique laws and regulations.
Life & Health Insurance Exam Topic Breakdown
| Topic | Approx. Weight | Key Areas |
|---|---|---|
| Life Insurance | ~30% | Term, whole, universal, variable life; policy provisions; beneficiaries; underwriting |
| Health Insurance | ~25% | Medical expense, HMO/PPO/EPO, disability income, critical illness |
| Annuities | ~15% | Fixed, variable, indexed annuities; accumulation and payout phases; suitability |
| Long-Term Care Insurance | ~10% | LTC benefit triggers, elimination periods, inflation protection, tax treatment |
| Federal Laws and Regulations | ~10% | ACA, ERISA, HIPAA, COBRA, Medicare Parts A–D |
| Insurance Concepts and Principles | ~10% | Insurable interest, indemnity, subrogation, utmost good faith, contract law |
Sample Life & Health Insurance Exam Questions
1. Which of the following best describes the 'insurable interest' requirement in life insurance?
2. A whole life insurance policy has a cash value of $50,000 and a death benefit of $250,000. The policyowner takes a policy loan of $30,000. If the insured dies before the loan is repaid, the beneficiary receives:
3. Under the Affordable Care Act (ACA), health insurance plans on the individual market are required to cover which of the following without cost-sharing?
Study Tips for the L&H Insurance Exam
Life insurance policy provisions are tested on every state exam — know the grace period (30 or 31 days for most policies), reinstatement provisions, incontestability clause (typically 2 years), misstatement of age adjustment, and the suicide exclusion (typically 1–2 years). These standard provisions appear consistently regardless of which state's exam you take.
For health insurance, know the difference between HMO, PPO, EPO, and POS plan structures, including referral requirements, network restrictions, and out-of-network coverage. Medicare Parts A, B, C, and D — what each covers, the premiums, and the coverage gaps — is heavily tested in every state. Don't overlook disability income insurance: own-occupation vs. any-occupation definitions, elimination periods, and benefit periods are consistent exam topics.
Preparing for a specific state? See our state exams for California, Florida, New York, and Texas. Also pursuing property lines? See the P&C insurance practice exam, and use the insurance license study guide for a full prep plan.
Frequently Asked Questions — L&H Insurance Exam
What is covered on the national Life & Health insurance exam?
The national portion covers life insurance (term, whole life, universal life, variable life, policy provisions), health insurance (medical expense plans, HMO/PPO/EPO, disability income, LTC), annuities (fixed, variable, indexed), and key federal laws (ACA, ERISA, HIPAA, COBRA, Medicare). State-specific exams add coverage of that state's insurance code, producer licensing rules, and state-specific requirements.
How many questions are on the Life & Health insurance exam?
The number of questions varies by state: most states have 150–165 questions. California has 75 questions; Florida has 165; New York has 150; Texas has 150. The time limit is typically 2–2.5 hours. Passing scores range from 60% (California) to 70% (Florida, New York, Texas).
What is the difference between an HMO and a PPO?
An HMO (Health Maintenance Organization) requires members to choose a primary care physician (PCP), get referrals to see specialists, and stay within the network for covered services. A PPO (Preferred Provider Organization) does not require a PCP or referrals, allows out-of-network care (at a higher cost), and is generally more expensive in premiums. EPOs are similar to HMOs but don't require referrals; POS plans combine HMO and PPO elements.
What is the incontestability clause in life insurance?
The incontestability clause prevents an insurer from denying a claim or voiding a policy based on misstatements in the application after the policy has been in force for a specified period — typically 2 years. After the incontestability period, the insurer cannot challenge the policy even if material misrepresentations were made in the application, except in cases of outright fraud. The clause protects beneficiaries from having claims denied long after the policy was issued.
What are the Medicare parts and what does each cover?
Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice, and some home health services (funded by payroll taxes, no premium for most). Part B covers outpatient medical services, physician visits, preventive care, and durable medical equipment (monthly premium required). Part C (Medicare Advantage) is a private plan alternative that combines A and B coverage. Part D is prescription drug coverage offered by private insurers.
What is an annuity and how is it tested on the exam?
An annuity is a contract between an individual and an insurance company in which the individual pays premiums (lump sum or periodic) and the insurer pays a series of income payments. Annuities accumulate funds on a tax-deferred basis. The exam tests the accumulation phase vs. payout phase, fixed vs. variable vs. indexed annuity differences, surrender charges and free withdrawal provisions, and suitability requirements for annuity sales.
What is the pre-license education requirement for Life & Health insurance?
Pre-license education requirements vary significantly by state: California requires 52 hours, Florida requires 40 hours, New York requires 40 hours, and Texas requires 40 hours. Most states require courses covering life insurance, health insurance, annuities, and the state's insurance code. After passing the exam, you must complete continuing education (typically 24 hours every 2 years) to maintain your license.