Life & Health Insurance License Exam

• The Life and Health Insurance License Exam is a mandatory licensing exam for individuals who want to sell, solicit, or negotiate life and health insurance products in the United States.
• Passing this exam demonstrates that you understand insurance fundamentals, policy structures, consumer protections, and regulatory obligations.
• State insurance departments base their licensing standards on model regulations developed by the National Association of Insurance Commissioners.
• You must pass this exam to legally work as a life and health insurance producer in a specific state.

The exam is administered at the state level by individual state insurance departments.

Testing services are commonly delivered through approved vendors such as:

• Pearson VUE
• Prometric
• Exam content and passing standards may vary slightly by state, but core topics remain consistent nationwide.

• Computer-based, multiple-choice examination
• Questions test both factual knowledge and application of insurance concepts
• Scenario-based questions are common, especially for underwriting, policy provisions, and compliance topics

• Scores are usually reported as pass or fail rather than a numeric score
• Passing scores typically range from 60% to 70%, depending on state rules
• Results are often available immediately after exam completion

• Life insurance policy types and riders
• Health insurance plans and coverage options
• Policy provisions, exclusions, and clauses
• Underwriting and field procedures
• Taxes, retirement, and social insurance concepts
• State insurance laws and ethical responsibilities

• It protects consumers by ensuring agents understand insurance laws and products
• It establishes professional credibility and legal authority to transact insurance business
• It serves as the gateway to a regulated and stable career in the insurance industry

This exam measures readiness to apply insurance knowledge accurately, ethically, and in compliance with state regulations.