South Dakota Life & Health Insurance License Exam Overview
The South Dakota Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the South Dakota Division of Insurance. South Dakota offers unique opportunities with no state income tax.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 90 per exam (Life and A&H separate) or 150 combined |
| Time Limit | 2 hours per exam or 2.5 hours combined |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $85 per single exam / $95 combined |
| Pre-licensing Education | Not required |
Why Get Licensed in South Dakota?
- No income tax — Tax-friendly for agents
- No pre-licensing required — Fast path to licensing
- Growing population — Sioux Falls expansion
- Rural markets — Underserved areas
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Key Topics Covered
Life Insurance (30%)
| Feature | SD Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- South Dakota Medicaid
- CHIP
SD Insurance Regulations (15%)
- South Dakota Codified Laws Title 58
- Division of Insurance authority
| Topic | SD Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 10 hours/2 years (Life/Health) |
| Passing score | 70% |
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