Alaska Life & Health Insurance License Exam Overview
The Alaska Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Alaska Division of Insurance. As the largest state by area, Alaska presents unique opportunities for insurance professionals serving remote communities and specialized industries.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 105 per exam (90 scored + 15 pretest) |
| Time Limit | 2 hours 15 minutes per exam |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $89 |
| Pre-licensing Education | Not required |
Why Get Licensed in Alaska?
- High demand for agents — Remote areas underserved
- Premium compensation — Higher than national average
- Oil & gas industry — Specialized insurance needs
- Unique market — Less competition than lower 48
- Reciprocity — Work across state lines
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
Types of Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
Key Policy Features:
| Feature | Alaska Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Suicide Clause | 2 years |
| Free Look | 10 days |
| Reinstatement | 3 years |
2. Health Insurance Products (30%)
Coverage Types:
- Major medical insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplements
Alaska-Specific Topics:
- Alaska Comprehensive Health Insurance Association (ACHIA)
- Healthcare.gov (Alaska uses federal marketplace)
- Alaska Medicaid (Denali KidCare)
- Telehealth regulations for remote areas
3. Annuities (15%)
- Fixed and variable annuities
- Indexed annuities
- Suitability requirements
- Surrender charges
- 1035 exchanges
4. Alaska Insurance Regulations (15%)
Key Alaska Laws:
- Alaska Statutes Title 21 (Insurance Code)
- Division of Insurance authority
- Producer licensing requirements
- Unfair trade practices
- Claims handling requirements
5. Ethics and Professional Conduct (10%)
- Fiduciary duties
- Disclosure requirements
- Anti-rebating rules
- Privacy protections
- Continuing education
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1 | Life insurance fundamentals | 10-12 |
| Week 2 | Health insurance products | 10-12 |
| Week 3 | Annuities and specialty products | 6-8 |
| Week 4 | Alaska regulations (Title 21) | 8-10 |
| Week 5 | Practice exams and review | 10-12 |
Total recommended study time: 50-55 hours
🎯 Free Practice Questions Available
Practice with free questions designed for the Alaska Life & Health exam.
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Alaska-Specific Exam Tips
1. Know Alaska Insurance Laws
- Title 21 — Alaska Insurance Code
- ACHIA — State high-risk pool (still operational)
- 10-day free look — Standard consumer protection
- Remote access — Telehealth provisions
2. Master These Numbers
| Topic | Alaska Requirement |
|---|---|
| Grace period | 30 days |
| Free look period | 10 days |
| Incontestability | 2 years |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years (3 hours ethics) |
| Passing score | 70% |
3. Understand Unique Alaska Challenges
- Geographic isolation impacts
- Limited healthcare access
- Specialized industry coverage (oil, fishing)
- Weather-related claims
Common Mistakes to Avoid
- Confusing free look periods — Alaska standard is 10 days (30 days for replacements)
- Skipping Alaska-specific content — Title 21 is tested
- Underestimating health section — Equal to life insurance
- Not practicing timed exams — 105 questions in 2 hours 15 minutes
- Forgetting remote area considerations — Unique to Alaska
After Passing Your Exam
- Apply online through NIPR (National Insurance Producer Registry)
- Complete fingerprint background check — $47 processing fee
- Pay license fee — $75 application fee for 2-year license
- Affiliate with insurer
- Maintain CE compliance — 24 hours every 2 years (including 3 hours ethics)
Start Your Alaska Insurance Career Today
Alaska offers unique opportunities for insurance professionals willing to serve this distinctive market.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Alaska-specific regulations
- ✅ Study guides and key facts
- ✅ AI-powered study assistance
Everything you need to pass is 100% FREE.