Illinois Life & Health Insurance Exam — Practice Test & Study Guide
Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Exam content outline
From the official IDOI L&H content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| National-LH-I Life Policy Types | 15% | 15 |
| National-LH-II Life Policy Riders, Provisions, Options, Exclusions | 15% | 15 |
| National-LH-III Application, Underwriting, Delivery | 12% | 12 |
| National-LH-IV Retirement & Other Insurance Concepts | 8% | 8 |
| National-LH-V Health Policy Types | 16% | 16 |
| National-LH-VI Health Policy Provisions, Clauses, Riders | 15% | 15 |
| National-LH-VII Social Insurance | 6% | 6 |
| National-LH-VIII Other Health Insurance Concepts | 5% | 5 |
| National-LH-IX Field Underwriting Procedures | 8% | 8 |
Sample questions
Items from our L&H bank, aligned to the IL IDOI outline — see the difficulty and explanation depth.
Under 215 ILCS 5/224(1)(e), within what period after default may the owner of a lapsed Illinois individual life policy apply to reinstate it, subject to evidence of insurability and payment of overdue premiums with interest?
Illinois allows reinstatement within 3 years of default under 215 ILCS 5/224(1)(e), with evidence of insurability.
Under 215 ILCS 5/224(1)(d), if a misstatement of age is discovered on an Illinois individual life policy, how must the death benefit be adjusted?
Illinois adjusts the benefit to what premiums would have bought at the true age — not rescission.
Which Illinois statute establishes network adequacy and transparency standards for managed care health plans?
The IL Network Adequacy and Transparency Act is codified at 215 ILCS 124/.
The Quick Disability Determination (QDD) process at SSA is designed to:
QDD uses a predictive computer model to flag likely-allowance claims for fast DDS handling, separate from the condition-based CAL list.
Under the Illinois HMO Act (215 ILCS 125/), a 'closed panel' HMO is best described as one in which:
Closed-panel HMOs limit covered care to providers under exclusive employment or contract.
Illinois state law module
State-specific laws and regulations make up 10–20% of the IL L&H exam. Our markdown-based state-law module walks through what IDOI actually tests.
Read IL L&H state lawIllinois L&H Exam FAQ
How long is the IL L&H exam?
Illinois Department of Insurance allows 125 minutes for the Illinois Life & Health exam. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.
What's the passing score for IL L&H?
undefined% is the passing score in Illinois, calculated against the scored question count. IDOI reports results immediately at the test center.
How long should I study for the IL L&H exam?
Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.
Where do I take the Illinois L&H exam?
IDOI contracts with major proctored-exam vendors. Check the Illinois Department of Insurance website for an up-to-date list of test centers in Illinois.
Are these practice questions matched to the IL outline?
Yes — we follow the IDOI content outline section by section, and our IL L&H bank includes 244 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.
How much does EstatePass cost? Do I need a separate plan for L&H?
No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.