Free Life & Health Practice Tests (2026)

How these Life & Health practice tests match the real exam

The real Life and Health Insurance Producer License Exam has 145 questions and a 150-minute time limit. 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. Each practice test here uses the same question formats, so you get used to how Life & Health questions are asked before test day.

The tests draw on every Life & Health content area, weighted like the official outline:

• Insurance Regulation (general / NAIC model) (about 14.7% of the exam)
• General Insurance Concepts and Contract Law (about 6.7% of the exam)
• Life: Types of Policies and Annuities (about 13.3% of the exam)
• Life: Policy Riders, Provisions, Options, and Exclusions (about 13.3% of the exam)
• Life: Application, Underwriting, and Policy Delivery (about 8% of the exam)
• Life: Taxes, Retirement, and Other Concepts (about 6.7% of the exam)
• Accident & Health: Types of Policies (about 13.3% of the exam)
• Accident & Health: Policy Provisions, Clauses, and Riders (about 10% of the exam)
• Social Insurance and Senior Markets (about 6.7% of the exam)
• Other Health Concepts and Federal Health Law (about 7.3% of the exam)

Use tutor mode to see the explanation after each answer, or timed mode to practise at real exam pace. Every answer comes with an explanation of why it is right and why the other options are wrong.