If you've learnedwhat a life insurance agent does and are now considering a career in the life and health insurance field, you are probably wondering, “Is the life and health insurance exam hard?” Each state has their own insurance exams, so the tests and requirements vary, making this question more complicated to answer. However, the overarching topics covered on the exam, as well as the passing scores, are similar for all states. If you have a good understanding of the topics and how the exam works, you are well on your way to passing the life and health insurance exam.

• This practice exam covers general insurance concepts. It is designed to help you evaluate your comprehension of the general insurance concepts for which you will be tested in your insurance license qualification exam. The questions are intended to resemble the types of queries and the range of content on your insurance license qualification exam; however, because insurance license exam.
• To prepare for your licensing exam, use the full-length Life & Health Insurance Agent Practice Exam with answers fully explained for ideal study. The practice exam is written by Susan Wright, MBA, CLU, RHU, REBC, who has over 20 years of experience in the insurance industry and Noah Sobin, an life insuance underwriting expert.

Life & Health Insurance Exam. In 2026, the demand for insurance agents is expected to have grown by 10%. Minnesota, Oregon, and Wyoming are the only states with a passing rate of 75% or higher on the Life & Health Insurance exam. No formal education or experience is required to become a licensed life and health insurance agent.

For life and health insurance exams, you will be tested on the following general topics:

• Life insurance general knowledge
• Life insurance policies
• Policy riders and options in life insurance coverage
• Life insurance tax issues
• Annuities
• Annuity policy tax issues
• Health insurance general knowledge
• Dental, individual, and group policies
• Medical plans
• Disability income
• Special needs individual insurance
• Health Maintenance Organizations (HMOs)
• Health insurance tax issues

You will want to print out the State Exam Outline so you understand what material will be covered under each of these topics and how it will be weighted on the exam. The State Exam Outline tells you how many questions are included in each section of the test. We advise you to focus more of your study time on sections that have more exam questions.

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Pass Rates and Recommended Study Time

From what we know, insurance exam pass rates fluctuate considerably by state. Some states publish their pass rates while others do not, making it impossible to offer an accurate national pass rate for any exam. Nevertheless, the passing score for all exams is 70%, and utilizingexam study tools can help you gauge whether or not you are on target to pass on the first try.

The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam. It is recommended that you do your studying over the course of a few weeks (astudy package can help with this), rather than trying to cram the week of or night before the exam. Fl studio linux mint download. We recommend spending 2 to 3 days studying after your licensing course to keep the information fresh in your mind.

Study Tips

When studying, try to remove distractions around you. It can be easy to get distracted by your phone, TV, or the Internet. For your brain to absorb new information, it is important that you do your best to avoid multitasking and stay focused on what you’re studying. You may find that setting a study schedule over a period of a few weeks will help you carve out time where you can solely focus on preparing for the exam.

Once you have a good handle on the material, be sure to utilize practice exams. These will help you gauge how well you have absorbed the information in your studies and what areas you still need to work on. It is a good idea to take at least one practice exam while mimicking testing conditions. This will help you determine whether your pacing is right to get through the exam in the allotted time.

The life and health insurance exam can be challenging; however, you can pass with flying colors on your first try by following our recommendations. Now that you have a better understanding of the life and health insurance exam and how you can successfully prepare for it, check out this video from Kaplan’s Julie Ramsey and Mary Orn with more insurance exam study tips.

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Ensure you are prepared for the life and health insurance licensing exam with Kaplan's insurance license exam prep solutions. We have study options to suit all learning styles. Get started today.

PearsonVUE (our testing vendor)

If you would like more information relating to insurance examinations please go to PearsonVUE's website for Florida.

Remote proctored examinations are now available. Take your examination from home through OnVUE online proctoring. A live proctor will monitor you through the webcam on your workstation to provide a secure exam experience. Watch the short video on the Florida Department of Financial Services online proctoring page to see how convenient it is to test from home or work. Be sure to run the system test before you sign in to register for an online proctored exam.

**Only one examination attempt can be made via remote proctoring. All subsequent examination attempts will have to be taken at a Pearson Vue testing location.

Candidate Handbook

Any person interested in obtaining a Florida insurance license should obtain a candidate handbook first. If you would like to view the breakdown of an examination, you may view the examination content outline. Other exam information is provided by PearsonVUE on their website.

PearsonVUE's website includes a list of test centers that an applicant may utilize in their area for scheduling an examination date and time. The candidate handbook also contains pertinent information relating to examination requirements. The candidate handbook is free of charge.

Testing at Domestic and Foreign Military Installations

The Department of Financial Services, through its testing vendor Pearson Vue, now offers Florida Insurance licensure exams at various domestic and international military sites. Active duty personnel, including the spouses of active duty personnel, federal contractors, and civilians working on base, are able to schedule exams at these locations.

Study Manuals

The manuals are not distributed out of this office. Click here for a list of study manuals and places where the manuals can be purchased.

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Frequently Asked Questions (FAQs)

Visit the list of Frequently Asked Questions about the examination process.

Life Insurance Exam Study Guide

NOTE: A passing score is valid for one (1) year from the date that the score was earned. If you fail to complete the licensing processing within the one (1) year timeframe, you will be required to retake and pass the examination. There is a limit of five (5) examination attempts for the same examination type during a twelve (12) month period*.