Idaho Life & Health Insurance Exam 2026

Welcome to your FREE Idaho Life & Health Insurance exam preparation guide. This comprehensive study resource covers Idaho-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Idaho state-specific content. You should also study national Life & Health insurance concepts, as the majority of the exam tests general insurance knowledge.

Why Get Licensed in Idaho?

Idaho offers unique opportunities for insurance professionals:

• No Pre-License Education: Accessible entry into the insurance profession
• Growing Population: One of the fastest-growing states in the nation
• Rural Market: Strong demand for individual and family coverage in rural communities
• Agricultural Economy: Farm and ranch families need specialized insurance products
• Retirement Destination: Growing senior population needs Medicare supplements and long-term care
• Outdoor Recreation: Active population creates demand for disability and health coverage
• Business-Friendly Environment: Growing economy creates commercial insurance opportunities

What This Guide Covers

This FREE study guide includes:

• Idaho Insurance Law & Regulations - Idaho Department of Insurance structure, Idaho Code Title 41
• Life Insurance - Idaho-specific provisions, policy requirements, beneficiary rules
• Health Insurance - State mandates, consumer protections, continuation rights
• Licensing Requirements - Application process, exam structure, CE requirements
• Practice Questions - Quiz questions in each chapter to test your knowledge

Exam Format & Requirements

Pre-License Education

Idaho does NOT require pre-licensing education for Life & Health insurance. However, most successful candidates complete a preparatory course covering:

• General insurance concepts and principles
• Life insurance products and policies
• Health insurance types and coverage
• Idaho insurance laws and regulations
• Ethics and professional conduct

Exam Tip: While Idaho doesn't require pre-licensing education, the exam is comprehensive. Most insurance professionals opt to take a pre-license education course online to strengthen their chances of passing on the first attempt.

Exam Structure

ID Requirements

You must bring two forms of personal ID (driver's license, passport, military ID, etc.). Both must have your signature, and one of the two must have your photo. You will not be able to take your exam if these requirements are not met.

Exam Costs (2026)

• Life Insurance Exam Fee: Approximately $60
• Health Insurance Exam Fee: Approximately $60
• Fingerprint-Based Background Check: Approximately $70
• License Application Fee: $80 (via Sircon or NIPR)
• Pre-License Education (Optional): Starting from $149

Application Process

Steps to Get Licensed

1. Study and Prepare: Complete recommended exam prep course (not required but recommended)
2. Schedule Exam: Book with Pearson VUE online or by phone
3. Pass Exam: Score 70% or higher
4. Complete Fingerprinting: At a local law enforcement office
5. Submit Application: Apply through Sircon or NIPR within 180 days of passing exam
6. Pay Application Fee: $80
7. Receive License: Idaho Department of Insurance issues license

Application Timeline

You must submit your license application within 180 days of passing the exam or you will be required to retake it.

Fingerprinting Requirement

Idaho requires fingerprint impressions from all residents for a background check:

• Where: Local law enforcement office
• Fee: Approximately $70
• Purpose: State and national criminal history background check

Exam Content Areas

National Content (Life Insurance)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance company operations

2. Life Insurance Products (30-35%)

   • Term life insurance types
   • Whole life and permanent insurance
   • Universal and variable life
   • Annuities and retirement products

3. Life Insurance Policy Provisions (25-30%)

   • Standard policy provisions
   • Optional provisions and riders
   • Beneficiary designations
   • Settlement options

4. Life Insurance Underwriting & Taxation (15-20%)

   • Underwriting basics
   • Tax treatment of life insurance
   • Business uses of life insurance
   • Estate planning concepts

National Content (Accident & Health)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest principles

2. Health Insurance Products (30-35%)

   • Medical expense insurance
   • Disability income insurance
   • Long-term care insurance
   • Medicare and Medicaid

3. Health Insurance Policy Provisions (25-30%)

   • Mandatory and optional provisions
   • Policy riders and endorsements
   • Renewal provisions
   • Claims procedures

4. Group Health Insurance (15-20%)

   • Group plan characteristics
   • COBRA and continuation rights
   • ERISA requirements
   • ACA compliance

Idaho State Content

The Idaho-specific portion covers:

1. Idaho Department of Insurance

   • Department structure and authority
   • Director of Insurance powers
   • Idaho Code Title 41 (Insurance)
   • Regulatory oversight

2. Idaho Producer Licensing

   • Licensing requirements and process
   • Lines of authority
   • Continuing education requirements
   • License renewal procedures

3. Idaho Life Insurance Laws

   • Policy delivery requirements
   • Free look period requirements
   • Beneficiary designation rules
   • Policy replacement regulations
   • Group life insurance provisions

4. Idaho Health Insurance Laws

   • State health insurance mandates
   • Continuation rights
   • Individual and group market rules
   • Medicare supplement regulations

5. Idaho Insurance Trade Practices

   • Unfair trade practices
   • Prohibited practices and penalties
   • Consumer protection laws
   • Claims handling requirements

License Maintenance & Continuing Education

CE Requirements

• Total Hours: 24 hours every 2 years
• Ethics Requirement: 3 hours of ethics CE required
• Deadline: CE must be completed before license expiration

License Renewal

• Renewal Period: Every 2 years
• Renewal Process: Through Sircon or NIPR
• Late Renewal: Additional fees and potential license lapse

Reporting Requirements

• Report address changes promptly
• Report administrative actions within required timeframe
• Maintain records for required period

Study Strategy

Recommended Study Plan

Week 1-2: National L&H Fundamentals

• Insurance principles and terminology
• Life insurance products and policies
• Health insurance coverages
• Policy provisions and contract law

Week 3: Idaho-Specific Content

• Idaho Department of Insurance structure
• State insurance statutes
• Producer licensing requirements
• Consumer protection laws

Week 4: Practice & Review

• Take practice exams
• Review missed questions
• Focus on weak areas
• Memorize key numbers and dates

Key Numbers to Memorize

Exam Requirements

• Passing Score: 70%
• Exam Fee: Approximately $60 per line
• Application Deadline: 180 days after passing exam

Licensing Requirements

• Pre-License Education: NOT required
• Application Fee: $80
• Fingerprinting: Approximately $70

Continuing Education

• CE Hours: 24 hours every 2 years
• Ethics Hours: 3 hours required

Idaho Insurance Resources

Official Resources

• Idaho Department of Insurance: doi.idaho.gov
• Idaho Code Title 41: legislature.idaho.gov
• Pearson VUE Exam Information: pearsonvue.com
• NIPR Licensing Portal: nipr.com
• Sircon Licensing: sircon.com

Important Contacts

Idaho Department of Insurance

• Address: 700 W State Street, 3rd Floor, Boise, ID 83720
• Phone: (208) 334-4250
• Website: doi.idaho.gov

Pearson VUE Testing

• Website: pearsonvue.com
• Phone: (800) 274-2609

Getting Started

This study guide is organized into chapters covering Idaho-specific requirements:

Chapter 1: Idaho L&H Regulation & Licensing

• Idaho Department of Insurance structure
• Producer licensing requirements
• Continuing education requirements
• Application process

Chapter 2: Idaho Life Insurance

• State policy requirements
• Free look and replacement rules
• Beneficiary provisions
• Group life insurance

Chapter 3: Idaho Health Insurance

• State health mandates
• Continuation rights
• Medicare supplement regulations
• Long-term care requirements

Chapter 4: Idaho Ethics & Professional Conduct

• Unfair trade practices
• Producer duties to clients
• Claims handling requirements
• Record keeping and documentation

Ready to start? Begin with Chapter 1 to learn about Idaho's regulatory structure and licensing requirements.

Disclaimer

This study guide is for educational purposes only and reflects Idaho insurance laws and regulations as of January 2026. Insurance laws change frequently. Always verify current requirements with the Idaho Department of Insurance before relying on any information for licensing or business decisions.

Good luck on your Idaho Life & Health insurance exam!