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Free IL Life & Health Exam Prep

Illinois Life & Health Insurance

Pass your IL Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

7
Chapters
19
Sections
$0
Our Cost
Updated January 2026

Illinois Life & Health Insurance

National Study GuideStudy GuidePracticeFlashcardsLife Insurance Sales Mastery
65 terms2 blogs3 comparisons

ILLINOIS LIFE AND HEALTH INSURANCE LICENSE EXAM PREP HANDBOOK: A Comprehensive Guide to Passing the Exam on Your First Try (USA Life and Health Insurance License Exam Prep Manuals)

$24.99 · Buy on Amazon

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Your Study Path

Illinois Life & Health Insurance License: Complete Roadmap

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

1

Exam Logistics and Blueprint Setup

Memorize section counts, timing, and passing standards first so your pacing matches actual Illinois testing conditions.

8
hours
2

National Life and Health CoreYou are here

Build strong fundamentals in life policies, annuities, health policy structure, disability, social insurance, and underwriting workflow.

30
hours
3

Illinois Producer Law and State Statutes

Drill Article XXXI producer law, fiduciary responsibilities, CE and fee rules, plus Illinois line-specific life and health regulations.

26
hours
4

Timed Mixed Simulations

Run timed sets modeled on Illinois section timing and review every miss by statute or concept domain before exam day.

16
hours
Estimated total study time
80 hours
That's about 8 weeks at 10 hours/week

Can You Take the IL Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
Complete Illinois prelicense coursework for each requested line of authority
Fingerprinting
Background check and fingerprint requirements apply under Illinois resident producer licensing workflow
Additional Requirements
  • •20 prelicense hours for Life and 20 for Accident & Health (215 ILCS 5/500-30)
  • •At least 7.5 hours per line must be in classroom or webinar format
  • •Pass both general and state exam components for each line pursued
  • •Address changes must be reported within 30 days (215 ILCS 5/500-35)
  • •Resident producer CE is 24 hours every 2 years including 3 hours of classroom/webinar ethics

IL Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

Pearson VUE

Remote Testing Available
Schedule Your Exam

Retake Policy

Current Illinois handbook requires a 24-hour wait before making a reexamination reservation.

Total Cost Breakdown

Exam Fee$92 per scheduled exam
Application Fee$50 exam application processing fee and $215 resident producer license fee (biennial)
Total Estimated Cost$265+ plus course, fingerprint/background, and related licensing costs
Why Choose Us

Free IL Life & Health Prep That Actually Works

The official pass rate is Not publicly reported by Illinois DOI/Pearson VUE. Our students do better.

600+ 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

$0 Forever

No credit card, no trial, no upsells

Compare:
Kaplan $300+•Achievable $200+•OpenExamPrep $0

What You'll Study

7 chapters covering everything you need to pass

1

Introduction: Illinois Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Illinois Insurance Regulation & Licensing

3 sections

3

Chapter 2: Illinois Life Insurance Laws

3 sections

4

Chapter 3: Illinois Health Insurance Laws

3 sections

5

Chapter 4: Illinois Insurance Ethics & Prohibited Practices

3 sections

6

Chapter 5: Illinois Advanced Annuity Regulations

3 sections

7

Chapter 6: Illinois Group Insurance & Special Topics

3 sections

IL Life & Health-Specific Topics Covered

Illinois DOI Director authority and exam/market oversightProducer licensing framework under 215 ILCS 5/500-30 through 5/500-13520-hour prelicense requirement per line and 7.5-hour classroom/webinar minimumBiennial CE requirement: 24 hours with 3 hours classroom/webinar ethicsFiduciary handling of premium funds and financial responsibility rulesIllinois life replacement, solicitation, and illustration requirementsIllinois health standards for Medicare supplement and long-term careLicense discipline process, hearing rights, and reporting timelines
Learn More with AI

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IL Life & Health Exam Details

Illinois Life & Health Insurance

Administered by Illinois Department of Insurance (IDOI) / Pearson VUE

Official Source
70% on each exam component
Passing Score
170
Questions
270
Minutes
$92 per scheduled exam (major-line general+state pair discount when ordered together)
Exam Fee
Study time: 60-100 hours
Prerequisites: 20 prelicense hours for Life and 20 for A&H, with at least 7.5 classroom/webinar hours per line

Exam Content Breakdown

Based on the official Illinois Department of Insurance (IDOI) / Pearson VUE content outline

Life General Knowledge29%

Life policy types, policy provisions/riders, underwriting and delivery, retirement and annuity concepts (50 scored questions)

Health General Knowledge29%

Health policy types/provisions, social insurance, field underwriting, and disability/LTC concepts (50 scored questions)

Illinois Common Producer Law26%

Director powers, licensing, CE, fees, fiduciary duties, and marketing/unfair-practice rules tested in both state sections (44 scored questions total)

Illinois Line-Specific Statutes16%

Life-specific Illinois rules (9 scored) plus health-specific Illinois rules including Medicare supplement and LTC standards (17 scored)

What's Included

7 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.

Connect with Ran

What's Next After the IL Life & Health?

After passing the IL Life & Health, you can pursue these career paths

Life & Health

Build national life and health fundamentals first

Illinois Property & Casualty

Add an additional Illinois producer line

NMLS

Expand into mortgage licensing

IL Life & Health Exam FAQ

Official Illinois Department of Insurance (IDOI) / Pearson VUE Resources

Verify information with these official sources

Pearson VUE Illinois Insurance ProgramIllinois Insurance Candidate Handbook (#121400)Illinois Insurance Content Outlines Effective Jan 1, 2026 (#121402)215 ILCS 5/500-30 (Application and Prelicense Hours)215 ILCS 5/500-35 (License and CE Requirements)215 ILCS 5/500-135 (Producer Fees)

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