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 |
Why Get Licensed in Iowa?
- Insurance hub — Major carriers headquartered here
- No pre-license education — Quick path to licensing
- Stable economy — Agriculture and financial services
- Low competition — Underserved markets
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
| Feature | Iowa Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Free Look | 10 days |
2. Health Insurance Products (30%)
- Healthcare.gov (federal marketplace)
- Iowa Medicaid (Iowa Health Link)
- hawk-i (CHIP program)
3. Annuities (15%)
- Fixed and variable annuities
- Suitability requirements
4. Iowa Insurance Regulations (15%)
- Iowa Code Chapter 505-523
- Iowa Insurance Division authority
- Producer licensing
Iowa-Specific Exam Tips
| Topic | Iowa Requirement |
|---|---|
| Pre-licensing | Not required |
| Grace period | 30 days |
| CE requirement | 36 hours/3 years (3 ethics) |
| Passing score | 70% on each section |
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