2026 Edition
Life and Health Insurance Agent Licensing Practice Exam
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Get Your State Insurance License using our 400 question Life & Health Insurance Agent Practice Exam with answers fully explained for ideal study.
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Susan Wright, MBA, CLU, RHU, REBC
How do I study for a Life and Health Insurance exam?
Practice tests and flash cards are an effective way to study for a life and health insurance licensing exam. They help you learn the subject matter and practice your test taking skills. Life and health insurance agent exams are taken on a computer, so practicing with online practice tests can boost your chance of success.
What is on a Life and Health Insurance exam?
To sell life and health insurance, you will have to hold an insurance agent license for each state in which you conduct business. In order to obtain a life and health insurance license, you must take and successfully pass an exam that is offered by the state licensing boards. State insurance exams for life and health insurance are typically about 150 questions long and cover such topics as:
Practice tests and flash cards are an effective way to study for a life and health insurance licensing exam. They help you learn the subject matter and practice your test taking skills. Life and health insurance agent exams are taken on a computer, so practicing with online practice tests can boost your chance of success.
What is on a Life and Health Insurance exam?
To sell life and health insurance, you will have to hold an insurance agent license for each state in which you conduct business. In order to obtain a life and health insurance license, you must take and successfully pass an exam that is offered by the state licensing boards. State insurance exams for life and health insurance are typically about 150 questions long and cover such topics as:
- 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
Take this free life and health insurance practice test to study for your state's L&H insurance agent licensing exam. Our life and health insurance test prep is written by licensed insurance instructors. To prepare for your exam, use our full-length Life and Health Insurance Agent Practice Exam. See the links below for free life and health insurance flash cards, a video of the practice test and a life and a free health insurance study guide.
If you are interested in property and casualty insurance sales, see our free Property and Casualty Insurance Agent Practice Exam.