Life & Health Practice Test 2026 — Free Life & Health Exam Prep Questions
Aspiring life and health insurance agents must pass a state producer licensing exam that combines general product knowledge with state insurance law. Our practice questions follow the general-knowledge outline used for a large-state combined Life, Accident and Health exam, covering life and annuity products, policy provisions, underwriting, health and disability coverage, social insurance and the producer conduct rules common to most states.
While taking an application for a new life policy, a producer learns the applicant plans to surrender an existing policy with another insurer to pay for it. Under the NAIC Life Insurance and Annuities Replacement Model Regulation, what must the producer do?
Life & Health format, scoring & key facts
Computer-based at Pearson VUE or PSI test centers, depending on your state. Calculator rules vary: some states allow a basic handheld calculator, some provide one on request, and some allow none.
| Structure | General life and health knowledge (about half life, half health) plus a state-law portion |
|---|---|
| Example (Texas, Pearson VUE) | 145 questions (130 scored) in 150 minutes |
| Example (Florida 2-15) | 150 scored questions plus 15 pretest in 2 hours 45 minutes; passing 70% |
| Example (California, PSI) | 150 questions in 3 hours; passing 60% |
| Life topics | Policy types and annuities, provisions and riders, beneficiaries, settlement and nonforfeiture options, underwriting, taxation and retirement plans |
| Health topics | Disability income, medical expense and managed care, HSAs, LTC, uniform provisions, Medicare and Medigap, ACA, COBRA, HIPAA |
| Testing | Pearson VUE or PSI, depending on the state |
Facts last verified Oct 17, 2026. Source: www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf. Always confirm details with State DOI before your exam.
When can you take the Life & Health?
Plan backwards from your exam date
What the Life & Health covers
Every PrepBanq Life & Health test mirrors the official domain weights.
Domain distribution
% of the exam| Content domain | Weight | ≈ Questions on exam | Our practice questions |
|---|---|---|---|
Insurance Regulation (general / NAIC model)State-neutral stand-in for the state-law portion: licensing, producer conduct, unfair trade practices, replacement, annuity best interest, privacy and AML principles shared by most states. Check your state's insurance code for exact time frames and fees. | 14.7% | ~19 | 22 questions → |
General Insurance Concepts and Contract Law | 6.7% | ~9 | 10 questions → |
Life: Types of Policies and Annuities | 13.3% | ~17 | 20 questions → |
Life: Policy Riders, Provisions, Options, and Exclusions | 13.3% | ~17 | 20 questions → |
Life: Application, Underwriting, and Policy Delivery | 8% | ~10 | 12 questions → |
Life: Taxes, Retirement, and Other Concepts | 6.7% | ~9 | 10 questions → |
Accident & Health: Types of Policies | 13.3% | ~17 | 20 questions → |
Accident & Health: Policy Provisions, Clauses, and Riders | 10% | ~13 | 15 questions → |
Social Insurance and Senior Markets | 6.7% | ~9 | 10 questions → |
Other Health Concepts and Federal Health Law | 7.3% | ~9 | 11 questions → |
How to register for the Life & Health
Eligibility
Set by your state insurance department: typically age 18+, and in many states completion of pre-licensing education before testing, followed by fingerprinting and a license application after you pass.
Retake policy
Retake rules and waiting periods are set by each state and its testing vendor.
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Life & Health FAQ
How many questions are on the Life & Health?
The Life & Health has 145 questions (130 of them scored) and you have 2 hours 30 minutes to finish. Question types: Multiple choice with four options. Most states test general life and health knowledge (about 100 questions at Pearson VUE) plus a state-law portion of roughly 22–33% of scored items; unscored pretest items are mixed in..
How long is the Life & Health exam?
Testing time for the Life & Health is 2 hours 30 minutes.
What is the passing score for the Life & Health?
Life & Health passing standard: 70% in most states (scaled at Pearson VUE); California requires 60%.
What is on the Life & Health?
The Life & Health covers Insurance Regulation (general / NAIC model) (about 14.7%), General Insurance Concepts and Contract Law (about 6.7%), Life: Types of Policies and Annuities (about 13.3%), Life: Policy Riders, Provisions, Options, and Exclusions (about 13.3%), Life: Application, Underwriting, and Policy Delivery (about 8%), Life: Taxes, Retirement, and Other Concepts (about 6.7%), Accident & Health: Types of Policies (about 13.3%), Accident & Health: Policy Provisions, Clauses, and Riders (about 10%), Social Insurance and Senior Markets (about 6.7%), Other Health Concepts and Federal Health Law (about 7.3%).
Who administers the Life & Health?
The Life and Health Insurance Producer License Exam is administered by State DOI. Delivery: Computer-based at Pearson VUE or PSI test centers, depending on your state. Calculator rules vary: some states allow a basic handheld calculator, some provide one on request, and some allow none.
Can you retake the Life & Health?
Retake rules and waiting periods are set by each state and its testing vendor.
Is there a free Life & Health practice test?
Yes. PrepBanq has 15 free Life & Health practice tests with 150 exam-style questions in the real Life & Health formats, and every answer is explained. No credit card is needed.
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