Life & Health (L&H) Insurance License — Exam Prep & Practice Tests
A life and health insurance license — the L&H license — is the state credential that lets you sell life insurance, annuities, accident and health policies, and in most states Medicare supplements. It is issued by your state insurance department, not by a national body, so the application, the fee and the state law portion of the exam are all state-specific. Life & Health and Property & Casualty are separate licenses in nearly every state; many producers end up holding both.
Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Free to read right now: L&H study notes and interactive video lessons.
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Also searched as
The Life & Health license goes by several names — life and health insurance license, life & health license, life health license and L&H license. They all mean the same state credential, and everything on this page applies to all of them.
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Each state writes its own L&H exam. Get prep that matches yours.
Free L&H practice test — no signup
Take a free life & health practice exam right now. The same question bank powers the L&H practice test, the full timed mock exam and the diagnostic — so what you practice is what you will sit.
Or browse every L&H practice question with its answer and explanation, sorted by state.
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.