Life & Health Exam Overview & Requirements
Everything you need to know about your state’s Life & Health insurance licensing exam, including eligibility, format, content, and registration.
State
Specific
State
Exam content, questions, and fees vary by state. Our prep courses are tailored to your specific state's requirements.
1-2
Weeks
1-2
With a focused prep course, most candidates are ready for their exam in just a couple of weeks.
90%
Pass Rate
90%
Candidates who use our recommended prep providers have a pass rate of over 90% on their first attempt.
$149
Starting
$149
Comprehensive prep packages start at just $149, making professional licensing affordable and accessible.
Life & Health Eligibility Requirements
Age & Residency
You must be at least 18 years old and a legal resident of the state in which you are applying for a license.
Pre-licensing Education
Most states require completion of a pre-licensing education course before you can take the exam. Our recommended prep courses fulfill this requirement.
Background Check
You must pass a state and federal background check. Certain criminal convictions, especially those involving financial crimes, may disqualify you.
Life & Health Exam Format
Life Insurance Topics
Health Insurance Topics
How to Get Your Life & Health License
Most states require you to complete a specific number of hours of pre-licensing education. Our recommended prep courses from ExamFX and Kaplan are approved by state departments of insurance and fulfill this requirement. Upon completion, you’ll receive a certificate that makes you eligible to take the exam.
Time Commitment: 20-40 hours, depending on state requirements.
Once you have your certificate of completion, you can schedule your exam through the state-approved testing provider (e.g., Pearson VUE, Prometric). You will need to create an account, select your exam (Life, Health, or combined Life & Health), choose a testing center, and pay the exam fee.
Tip: Schedule your exam 1-2 weeks after completing your pre-licensing course to keep the material fresh.
Arrive at the testing center 30 minutes early with two forms of valid government-issued ID. The exam is computer-based, and you’ll receive your score immediately upon completion. A passing score is typically 70%, but this can vary by state.
Strategy: Use your full time, read each question carefully, and eliminate incorrect answers before choosing the best option.
After passing the exam, you must submit your license application to your state’s Department of Insurance. This usually involves completing an online application, paying a licensing fee, and undergoing a background check with fingerprinting.
Timeline: License issuance can take anywhere from a few days to several weeks, depending on the state.
Ready to Start Your Insurance Career?
Passing your Life & Health licensing exam is the first step to a rewarding career. Choose a proven prep course to ensure you pass on your first attempt.