Idaho Life & Health Insurance License Exam Overview
The Idaho Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Idaho Department of Insurance (DOI). Idaho is one of the fastest-growing states, offering expanding opportunities for insurance professionals.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 86 per exam (75 scored + 11 pretest) |
| Time Limit | 2 hours per exam |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $65 (covers up to 2 exams) |
| Pre-licensing Education | Not required |
Why Get Licensed in Idaho?
- Fastest-growing state — Population boom
- No pre-license education — Quick licensing path
- Business-friendly — Low regulatory burden
- Growing Boise market — Tech industry expansion
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
| Feature | Idaho Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Free Look | 20 days |
2. Health Insurance Products (30%)
- Your Health Idaho (state exchange)
- Idaho Medicaid
- CHIP
3. Annuities (15%)
- Fixed and variable annuities
- Suitability requirements
4. Idaho Insurance Regulations (15%)
- Idaho Code Title 41
- Idaho DOI authority
- Producer licensing
Idaho-Specific Exam Tips
| Topic | Idaho Requirement |
|---|---|
| Pre-licensing | Not required |
| Grace period | 30 days |
| CE requirement | 24 hours/2 years (3 hours ethics) |
| Passing score | 70% |
Your Health Idaho
Idaho operates its own state-based exchange called Your Health Idaho.
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