Life and Health Insurance Sales Exam

Find insurance sales training and testing resources such as practice tests, study guides and courses. Certification in life and health insurance sales demonstrates one's knowledge and competence in the field. For more information, see Tests.com's Life and Health Insurance Sales Test Guide.

 
Test Item Organization Description Cost
Life & Health Insurance Agent Practice Exam
Life & Health Insurance Agent Practice Exam
Location Type: Online

Organization: Tests.com
Address: USA
Tests.com
Ace your Life & Health Insurance Agent Practice Exam and Get Your State License using this full-length, 300 question practice exam with answers fully explained for ideal study. 29.95
Free Life & Health Insurance Practice Test
Free Life & Health Insurance Practice Test
Location Type: Online

Organization: Tests.com
Address: USA
Tests.com
Take this free practice test to see what is on an actual Life & Health Insurance licensing exam.
Life & Health Insurance Exam Study Guide
Life & Health Insurance Exam Study Guide
Location: Beaumont
Location Type: Online

Organization: Mometrix Media LLC
Address: Beaumont USA
Mometrix Media LLC
Study Guide for the Life & Health Insurance Exam
The Exam Simulator Pass Package
The Exam Simulator Pass Package
Location: AK
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
Description: Approved school for pre-licensing insurance education and continuing education. Free practice tests.
The Agents Choice Insurance School
800-941-4440
Alaska
The Exam Simulator Pass Package
The Exam Simulator Pass Package
Location: AZ
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
Description: Approved school for pre-licensing insurance education and continuing education. Free practice tests.
The Agents Choice Insurance School
800-941-4440
Arizona
The Exam Simulator Pass Package: The Complete Package
The Exam Simulator Pass Package: The Complete Package
Location: HA
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
The Agents Choice Insurance School
800-941-4440
Hawaii
The Exam Simulator Pass Package: The Complete Package
The Exam Simulator Pass Package: The Complete Package
Location: ID
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
The Agents Choice Insurance School
800-941-4440
Idaho
The Exam Simulator Pass Package: The Complete Package
The Exam Simulator Pass Package: The Complete Package
Location: IO
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
The Agents Choice Insurance School
800-941-4440
Iowa
The Exam Simulator Pass Package: The Complete Package
The Exam Simulator Pass Package: The Complete Package
Location: KA
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
The Agents Choice Insurance School
800-941-4440
Kansas
The Exam Simulator Pass Package: The Complete Package
The Exam Simulator Pass Package: The Complete Package
Location: ME
Phone: 800-941-4440

Organization: The Agents Choice Insurance School
Address: 3410 Healy Drive, Suite 107Winston-Salem NC 27103
Phone: 800-941-4440
Fax: 336-659-9483
The Agents Choice Insurance School
800-941-4440
Maine



Review of Life & Health Insurance Agent Practice Exams

- an exerpt from The Life & Health Insurance Agent Practice Exam by Susan Wright, CLU, ChFC, RHU, REBC, CSA, CLTC, CCFC, CSS and Life & Health Insurance Agent Exam GURU.
Each of the 50 states has its own specific insurance licensing and testing functions, and all require some amount of pre-licensing education. Different lines of insurance are tested separately, therefore the passing of the Life & Health Insurance exam will only allow an agent to offer and sell life and health insurance related products. 
A life and health insurance license will typically allow an agent to offer and sell the following products to their clients:
  • Term life insurance
  • Whole life insurance (except variable life policies)
  • Universal life insurance
  • Individual and group health insurance
  • Sickness and accident policies
  • Disability insurance
  • Long-term care insurance (certain states may require additional education and testing)
  • Medicare Supplement insurance
  • Fixed annuities

Life & Health Insurance Exam Testing Methods

The Life & Health Insurance licensing exams will differ from state to state. Typically, an exam will consist of 150 multiple choice questions. It is common these days that the exam will be given by computer at qualified testing centers throughout a proposed licensee’s state.

Some common question formats a test candidate will face will be questions formatted as direct questions, as well as incomplete sentences that require the test taker to fill in the blank, options for choosing “all of the following EXCEPT,” and scenarios whereby the test taker must choose the best answer to fit into a particular situation.

Examples of questions that may be seen on a Life & Health Insurance agent licensing exam include:

1.       Some of the ways in which the death benefit proceeds from a life insurance policy may be used by one’s beneficiary include the following:

a.  Paying off a mortgage

b.  Funding a child’s future education costs

c.  Paying ongoing bills such as utilities and food

d.  All of the above

2.       All of the following are activities that are included in the definition of transacting insurance EXCEPT:

I.  Soliciting the purchase of insurance

II.  Doing preliminary negotiations for an insurance purchase

III. Issuing an insurance contract

IV. Providing service to a policy holder

a.  IV only

b.  I and IV

c.  All of the above

d.  None of the above

Life and Health Insurance Agent Practice ExamIn order to pass a Life & Health Insurance examination, candidates typically must receive a score of at least 70%. Test scores are usually provided immediately after the student completes the exam, along with a summary of how many questions the students correctly answered and the percentage of correct answers that were attained by the test taker in each of the exam topics.

If a student does not initially pass a Life & Health Insurance exam, they will be allowed to re-take the test at a later time. In order to do so, the individual must schedule to take the test again with an appropriate testing center. There may be an additional fee required in order to do so.

The following areas are typically covered in a Life & Health Insurance examination. The topics include:

·         General insurance

·         Insurance regulation

·         Life insurance basics

·         Life insurance policies

·         Life insurance policy provisions, options, and riders

·         Annuities

·         Federal tax considerations for life insurance and annuities

·         Qualified plans

·         Health Insurance basics

·         Individual health insurance policy general provisions

·         Disability income and related insurance

·         Medical plans

·         Health maintenance organizations

·         Group health insurance

·         Dental insurance

·         Insurance for special needs individuals and senior citizens

·         Federal tax considerations for health insurance

The Tests.com practice exam covers these subject areas and more. The test has been designed to prepare the test candidate on the laws and regulations that generally apply throughout the country. Your state exam may base some questions on laws or regulations that are unique to that state. It is important to obtain the candidate handbook for your state exam and understand what areas will be tested and to keep in mind any variation on the law in respect to generally applicable principles. 

Life & Health Exam

Quality starts with...
...who wrote the material.
Our practice exam writers:
Susan Wright, MBA, CLU, RHU, REBC
 has worked in the insurance and financial services industry for over 20 years, where she has focused, in part, on producing training and educational materials. She has held roles at several large insurance and investment companies. Ms. Wright has been licensed as an insurance agent and an NASD/FINRA securities broker. She has earned nine industry professional designations, including: Chartered Life Underwriter, Registered Health Underwriter, Registered Employee Benefits Consultant, Certified Senior Advisor and Certified in Long-Term Care.

Noah Sobin is a licensed life insurance agent and insurance consultant who has worked as an agent for over ten years and as an insurance underwriter for five years. He has worked for Lincoln Financial Group and Prudential Financial. He earned his BA in Economics from Flordia State University.
Our practice exam covers life and health insurance exam subject areas that are common across the country and is not specific to any one state but rather applicable to all states. It covers all of the following areas which are typically covered in your actual state Life & Health Insurance examination:
  • General insurance
  • Insurance regulation
  • Life insurance basics
  • Life insurance policies
  • Life insurance policy provisions, options, and riders
  • Annuities
  • Federal tax considerations for life insurance and annuities
  • Qualified plans
  • Health Insurance basics
  • Individual health insurance policy general provisions
  • Disability income and related insurance
  • Medical plans
  • Health maintenance organizations
  • Group health insurance
  • Dental insurance
  • Insurance for special needs individuals and senior citizens
  • Federal tax considerations for health insurance