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Free DC L&H Exam Prep

District of Columbia Life & Health Insurance

Pass your DC L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

District of Columbia Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Build Life and Health National Core

Master life policy structures, annuities, health policy forms, and contract provisions before heavy DC law drilling.

30
hours
Start this step
2

Drill DC Common Producer LawYou are here

Focus on DISB authority, appointments, reporting deadlines, fiduciary duties, unfair trade practices, and guaranty-association basics tested in both exams.

20
hours
3

Master DC Line-Specific Statutes

Memorize life-only and health-only references: required provisions, nonforfeiture, variable products, Medicare supplement disclosures, and LTC law.

20
hours
4

Run Two Separate Timed Exam Simulations

Practice in separate 120-minute blocks for Life and Health and review misses by domain and citation.

15
hours
Estimated total study time
85 hours
That's about 9 weeks at 10 hours/week

Can You Take the DC L&H Exam?

Check if you meet the basic eligibility requirements

Age
Meet District producer eligibility standards (commonly age 18+ for resident licensing)
Education
No fixed 40-hour prelicense mandate by Commissioner in current handbook language; candidates follow current DISB/Pearson requirements and exam preparation rules
Background Check
Resident producer applicants complete background review as part of licensing processing
Fingerprinting
Resident applicants who pass the exam must submit fingerprints/background check through Fieldprint
Additional Requirements
  • DC currently offers Life and Health exams individually; no combined exam
  • Apply for licensure within one year after passing each exam
  • Meet DC CE requirements for renewal (major lines: 24 hours biennially, including ethics component and line-related distribution)
  • Comply with producer appointment and self-reporting timelines under D.C. Code §§ 31-1131.14 and 31-1131.17

DC L&H Quick Facts

Time to Get Licensed

4-8 weeks

From start to license in hand

Exam Provider

Pearson VUE

Schedule Your Exam

Retake Policy

Candidates may retest after a 24-hour wait; each new attempt requires a new exam fee.

Total Cost Breakdown

Exam Fee$75 per exam ($150 for both lines)
Total Estimated Cost$150 exam fees plus District licensing and fingerprint processing costs
Why Choose Us

Free DC L&H Prep That Actually Works

The official pass rate is 2025 District pass rates: Life 38%, Health 50%. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

5 chapters covering everything you need to pass

DC L&H-Specific Topics Covered

DISB authority and producer licensing rules in Title 31DC separate exam format: Life (01) and Health (02)Common DC law weighting in both state-law sectionsLife-only citations including nonforfeiture and variable productsHealth-only citations including Medicare supplement and long-term careProducer appointment and 30-day reporting obligationsDC individual health insurance responsibility framework (coverage, exemption, or tax penalty)
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DC L&H Exam Details

District of Columbia Life & Health Insurance

Administered by District of Columbia Department of Insurance, Securities and Banking (DISB) / Pearson VUE

Official Source
70%
Passing Score
Life:
Questions
120
Minutes
$75 per exam ($150 for both Life and Health)
Exam Fee
Study time: 60-90 hours total
Prerequisites: Pass each required line exam, complete resident fingerprinting/background requirements when applicable, and submit license application within one year of passing

Exam Content Breakdown

Based on the official District of Columbia Department of Insurance, Securities and Banking (DISB) / Pearson VUE content outline

Life General Knowledge50 scored (Life exam)

Life policy types, provisions/riders, underwriting and delivery, retirement uses, and tax treatment

Health General Knowledge50 scored (Health exam)

Health policy types, provisions, social insurance, underwriting procedures, and health contract concepts

DC Common Insurance Law40 scored total

Common DC law tested in both line exams: DISB authority, producer licensing, appointments, reporting actions, unfair practices, and fiduciary duties

DC Line-Specific Law15 scored total

Life-only and health-only statutes including required provisions, annuity/variable rules, Medicare supplement disclosure, and LTC references

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the DC L&H?

After passing the DC L&H, you can pursue these career paths

DC L&H Exam FAQ

Official District of Columbia Department of Insurance, Securities and Banking (DISB) / Pearson VUE Resources

Verify information with these official sources

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