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Free SD L&H Exam Prep

South Dakota Life & Health Insurance

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

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
Updated January 2026

South Dakota Life & Health Insurance

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Life and Health Insurance Study Guide 2025-2026: All In One Life and Health Insurance License Exam Prep. With Life and Health Insurance Exam Review Material and 645 Practice test Questions

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Study guide on Mometrix
Your Study Path

South Dakota Life & Health Insurance License: Complete Roadmap

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

1

Master the 100/30 Scored BlueprintYou are here

Plan study blocks around 100 scored general questions and 30 scored South Dakota law questions so you prepare in the same proportions used on the official exam.

20
hours
2

Build Life and Annuity Depth

Drill life policy provisions, beneficiaries, nonforfeiture, replacements, and annuity suitability/best-interest scenarios.

20
hours
Start this step
3

Master Health, Med Supp, and LTC Rules

Focus on health policy clauses, social insurance, Medicare supplement standards, long-term care requirements, and ACA-related state-law topics.

24
hours
4

Practice Timed 150-Minute Simulations

Run full mixed sets under a 150-minute limit and review misses by statute/rule category as well as product topic.

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

Can You Take the SD L&H Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
No pre-licensing education requirement is listed for South Dakota producer licensing
Background Check
Background review is part of resident producer licensing processing
Additional Requirements
  • •Pass the South Dakota Life, Accident and Health Producer exam (InsSD_LAH45)
  • •Submit the resident producer application through NIPR after passing
  • •Pay the resident producer application fee ($25 under SDCL 58-30-42)
  • •Maintain licensure with 30 CE credits every two years including 3 ethics credits (SDCL 58-30-105)

SD L&H Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

Pearson VUE

In-Person Only
Schedule Your Exam

Retake Policy

Candidates who do not pass may retake after 24 hours; each attempt requires a new exam fee.

Total Cost Breakdown

Exam Fee$95
Application Fee$25 resident producer application (SDCL 58-30-42)
Total Estimated Cost$120+ before other licensing-processing costs
Why Choose Us

Free SD L&H Prep That Actually Works

The official pass rate is Not publicly reported by South Dakota DOI / Pearson VUE. 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

$0 Forever

No credit card, no trial, no upsells

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What You'll Study

5 chapters covering everything you need to pass

1

Introduction: South Dakota Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: South Dakota Insurance Regulation & Licensing

3 sections

3

Chapter 2: South Dakota Life Insurance Laws

3 sections

4

Chapter 3: South Dakota Health Insurance Laws

3 sections

5

Chapter 4: South Dakota Insurance Ethics & Prohibited Practices

3 sections

SD L&H-Specific Topics Covered

South Dakota Director of Insurance authority, hearings, penalties, and cease-and-desist powersProducer licensing, appointments, renewals, and recordkeeping under SDCL Title 58No pre-licensing course requirement for producer applicantsResident application fee structure under SDCL 58-30-42South Dakota CE requirement: 30 credits every 2 years including 3 ethics creditsSouth Dakota unfair trade and unfair claims settlement practicesSouth Dakota life replacement rules and annuity best-interest standardsSouth Dakota Medicare supplement, LTC, and ACA-related health-law requirements2025 SD rule updates affecting CE, Medicare supplement, and long-term care standards
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SD L&H Exam Details

South Dakota Life & Health Insurance

Administered by South Dakota Division of Insurance / Pearson VUE

Official Source
Scaled score of 70
Passing Score
145
Questions
150
Minutes
$95 combo exam reservation
Exam Fee
Study time: 60-100 hours
Prerequisites: Meet resident producer eligibility, pass the InsSD_LAH45 exam, and apply for licensure through NIPR

Exam Content Breakdown

Based on the official South Dakota Division of Insurance / Pearson VUE content outline

Life General Knowledge38.5% (50/130 scored)

Life policy types, provisions/riders/options, underwriting and delivery, retirement concepts, and annuity fundamentals

Health General Knowledge38.5% (50/130 scored)

Health policy types/provisions, social insurance, disability and LTC concepts, and field underwriting procedures

South Dakota Common Insurance Law6.2% (8/130 scored)

Director authority, licensing, producer responsibilities, unfair practices, guaranty association basics, and fraud regulation

South Dakota Life Law6.2% (8/130 scored)

Life-specific statutes and rules including replacement, group life provisions, and annuity best-interest standards

South Dakota Health Law10.8% (14/130 scored)

Health-specific statutes and rules including Med Supp, LTC, ACA/market standards, and state-mandated requirements

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.

Connect with Ran

What's Next After the SD L&H?

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

Life & Health

Build national life and health core concepts first

SD Property & Casualty

Add South Dakota property and casualty authority

NMLS

Expand into mortgage licensing workflow

SD L&H Exam FAQ

Official South Dakota Division of Insurance / Pearson VUE Resources

Verify information with these official sources

Pearson VUE South Dakota Insurance ProgramSouth Dakota Insurance Candidate Handbook (updated July 29, 2025)South Dakota Insurance Content Outlines (effective March 1, 2024)NIPR South Dakota State RequirementsSDCL 58-30-42 (Resident application fee)SDCL 58-30-105 (Continuing education requirement)South Dakota DOI Laws, Rules, and Bulletins

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