Life & Health Insurance License Exam Prep
Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Pick your state
Each state writes its own L&H exam. Get prep that matches yours.
Frequently Asked Questions
How long does it take to study for the Life & Health exam?
Most students study 40–80 hours over 3–6 weeks. We recommend starting with a diagnostic to identify your weak areas, then focusing study time where it actually moves your score — instead of re-reading topics you already know.
What topics are on the L&H exam?
Life insurance basics, policy provisions and riders, annuities, health insurance basics, medical expense and disability, group insurance, federal regulations, and state-specific regulations. The exact section weights vary by state and are loaded from each state’s outline.
How many questions are on the Life & Health exam?
Most states use a 100-question scored exam (plus 10–15 unscored pretest items) with a 120-minute time limit. Some states run 150-question combined L+H exams; Personal Lines is typically shorter.
What score do you need to pass?
The industry standard is 70% raw correct. Many states use a scaled-score system instead — we mirror your state’s rule in our mock exams so the result feels realistic.
Can I sell life and health insurance with a single license?
In most states yes — the L&H license is a single license that covers both life and accident-and-health products. A few states still issue separate Life-Only and Health-Only licenses. Check your state page for specifics.