How hard is the Iowa insurance exam?

The combined Life & Health exam has 100-150 questions. You need 70% on each section (national and state) to pass. Most candidates pass with thorough self-study.

What is Iowa's life insurance grace period?

Iowa's grace period is 30 days. Policyholders have 30 days to make up a late premium payment without losing coverage.

What is Iowa's free look period?

Iowa provides a 10-day free look period. Policyholders can return the policy within 10 days of receipt for a full refund.

Insurance Exams6 min read

FREE Iowa Life & Health Insurance Exam Guide 2026: Complete Study Guide

Q: Does Iowa require pre-licensing education?

No, Iowa does NOT require pre-licensing education, making it faster to get licensed.

Complete free Iowa Life & Health insurance exam prep guide for 2026. Learn exam format, Iowa Insurance Division requirements, and access free practice questions.

Ran Chen, EA, CFP®January 14, 2026

✓Key Facts

•Iowa does NOT require pre-licensing education
•Iowa Life & Health exam requires 70% passing score on both national and state sections
•Iowa grace period is 30 days; free look period is 10 days
•Iowa requires 36 hours of CE every 3 years including 3 hours of ethics
•Iowa Guaranty Association covers up to $300,000 in life insurance death benefits

Iowa Life & Health Exam 2026: No pre-licensing, 70% passing, 36 CE hours/3 years

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Iowa Life & Health Insurance License Exam Overview

The Iowa Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Iowa Insurance Division. Iowa is a major insurance hub with Principal Financial Group and other carriers headquartered in Des Moines.

Exam Format at a Glance

Component	Details
Total Questions	100-150 multiple-choice (varies by line)
Time Limit	2 hours
Passing Score	70% on each section (national and state)
Testing Vendor	Pearson VUE
Exam Fee	$64
Pre-licensing Education	Not required