Life and Health Insurance Practice Test
Your Proven Shortcut to Life and Health Insurance Success
Get exam-style questions, detailed explanations, and realistic timing to master the latest State Licensing Boards. Prepare Life and Health Insurance practice test then walk into your Finance, Insurance and Real Est exam with confidence.
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How Our Practice Exam Works?
Study wherever, whenever with these quiz practice questions for Life and Health Insurance:
Pick a Mode
You can choose Study Mode for course preparation and Exam Mode (timed 90-minute) for simulation.
Realistic Mix
Life and Health Insurance exam questions reflect both multiple-choice and scenario/performance-style prompts aligned to exam objectives.
Detailed Explanations
Every question includes a clear explanation, so you know why an answer is correct.
Domain Analytics
See strengths/weaknesses by the domains & sub-topics to focus your revision.
Reattempts
Retake Life and Health Insurance practice exam to improve your speed and accuracy; watch your score trend toward the benchmark.
Exam Simulator
Get a feel for the real exam with our State Licensing Boards practice test.
Why Choose PrepHOW for Life and Health Insurance Practice Questions
Train the way you'll be tested. With the most clinically accurate, expertly written question bank, you’ll build the speed, accuracy, and confidence needed to pass the Life and Health Insurance on your first attempt.
- 1. Practice & Exam modes to switch between learning and testing
- 2. Detailed answer explanations for every question
- 3. Instant scoring & feedback to show what you missed and why
- 4. Smart dashboard to track strengths, weaknesses, and progress
- 5. Study anywhere with mobile-friendly design
- 6. Updated Life and Health Insurance questions bank to match the latest exam changes
- 7. Free practice test to start - no credit card required
Real Exam Feel
Mock Exam/Study modes, question flagging, and instant or end-of-exam feedback.
Smarter Analytics, Faster Improvement
Trend charts so you can see when you're consistently above the passing scrore.
Quality You Can Trust
Clear, teach-back explanations with why the correct answer is right and why others aren't.
Frequently Asked Questions
What is the Life and Health Insurance Exam?
The Life and Health Insurance Exam is a state-administered test that individuals must pass to earn a license to sell life and health insurance policies. It ensures candidates understand insurance concepts, regulations, and ethical responsibilities.
Who needs to take the Life and Health Insurance Exam?
Anyone who wants to become a licensed life or health insurance agent must take and pass this exam. It’s typically required for professionals who plan to sell or advise clients on life, health, and accident insurance products.
What topics are covered on the exam?
The exam typically covers four main areas:
- Life Insurance: Concepts like policy types (term, whole, universal), premiums, beneficiaries, and annuities.
- Health Insurance: Major medical, disability income, long-term care, Medicare, and Medicaid.
- State Insurance Laws and Regulations: Key provisions, agent licensing, and market conduct rules specific to your state.
- General Insurance Concepts: Definitions, contract law, underwriting, and ethical practices.
How do I register and schedule my exam?
You do not register directly with the state. After completing your pre-licensing education, you will receive a certificate of completion. You then use this to apply for the exam through your state's insurance department or a designated testing vendor like Pearson VUE or Prometric, who will allow you to schedule a test at a local center.
How many questions are on the exam, and what is the format?
The exam is typically 150-200 multiple-choice questions, depending on the state. It is a proctored, computer-based test. You will have a set time limit, usually between 2 to 3.5 hours.
How difficult is the Life and Health Insurance exam?
The exam is challenging, with a first-time pass rate often around 50-60%. The difficulty lies in the volume of state-specific regulations and complex product details. Success requires dedicated study using a pre-licensing course and practice exams.
What jobs can I get after passing the exam?
You can work as an insurance agent selling life, health, or annuity products. Roles include captive agents (for one company) or independent ones (multiple carriers). Demand is steady, with about 10% job growth expected through 2026, and it suits people good at sales and client communication.
How should I prepare for the exam?
The most effective strategy is a combination of methods:
- Take a Pre-Licensing Course: This is often mandatory and structures your learning.
- Use Flashcards: Crucial for memorizing key terms and state-specific regulations.
- Prephow Practice Tests: Simulate the real exam environment and identify your weak areas.
- Focus on State Laws: A significant portion of the exam is dedicated to your state's unique insurance code.