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The Life and Health insurance license exam is a state-administered test required before you can legally sell life insurance, health insurance, annuities, or related products in the United States. Each state sets its own requirements, but most use standardized exams developed by PSI Services or Pearson VUE.
The exam typically consists of 150 multiple-choice questions covering two main areas: general insurance knowledge and state-specific insurance law. The general knowledge section tests your understanding of insurance concepts, policy types, contract law, and federal regulations like HIPAA. The state law section tests your knowledge of your specific state's insurance regulations, licensing requirements, and ethical standards.
PrepTestAI's adaptive learning platform targets exactly the concepts you struggle with most — whether that's distinguishing between HMO and PPO networks, understanding Medicare enrollment periods, or memorizing the key differences between term and whole life insurance. Our AI tutor explains every wrong answer in detail so you learn, not just memorize.
Our questions cover every topic tested on the PSI and Pearson VUE Life & Health licensing exams:
Follow these steps to earn your Life & Health insurance license:
Built specifically for licensing exam success — not generic test prep.
Everything you need to know about the Life & Health insurance license exam:
Most states have 150 questions with a 2.5-hour time limit. The exam is administered by PSI or Pearson VUE depending on your state. You need a 70% passing score in most states. Some states split the exam into separate life and health sections.
The exam covers types of life insurance (term, whole, universal, variable), health insurance plans (HMO, PPO, EPO, POS), Medicare Parts A-D, Medicaid, annuities, disability insurance, policy provisions and riders, group insurance, and state insurance regulations including unfair trade practices and fraud.
Most candidates study 40-80 hours over 2-4 weeks. Our adaptive algorithm identifies your weak areas and focuses your study time there, making your prep significantly more efficient than reading a textbook cover to cover.
The national average first-attempt pass rate is around 55-65% depending on the state. Candidates who practice with realistic mock exams and review explanations for wrong answers dramatically improve their pass rates.
Our questions cover the national exam content tested by PSI and Pearson VUE. State-specific law questions vary by state. We recommend supplementing with your state insurance department resources for state law sections.
The exam is taken at a PSI or Pearson VUE testing center in your state. You must schedule your appointment after completing your state-required pre-license education hours. Results are typically available immediately after completing the exam.
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