Utah Life & Health Insurance Exam

Welcome to the Utah Life & Health Insurance Exam study guide. This comprehensive resource covers Utah-specific insurance laws, regulations, and practices required for your state licensing exam.

About Utah's Life & Health License

Utah requires insurance producers to pass the Life, Accident, and Health examination to sell life and health insurance products in the state. The license is regulated by the Utah Insurance Department, which oversees all insurance activities in Utah.

What This Exam Covers

This guide focuses exclusively on Utah state law and regulations:

• Utah Insurance Department structure and authority
• State licensing requirements and procedures
• Utah life insurance laws and policy requirements
• Health insurance regulations specific to Utah
• State consumer protections and disclosures
• Utah-specific policy provisions and endorsements
• Ethics and professional conduct under Utah law

national Life & Health exam preparationFree exam prep with practice questions & AI tutor

Exam Structure

Life and Health Insurance Exam (Individual)

Life, Accident, and Health Insurance Agent Examination (Series 17-03)

Exam Topics Coverage

The Utah exam covers:

• Insurance Regulation (7%)
• General Insurance (5%)
• Life Insurance Basics (7%)
• Life Insurance Policies (7%)
• Annuities
• Qualified Plans
• Accident and Health Insurance
• Disability Income
• Medical Plans
• And more Utah-specific topics

Pre-License Education Requirements

Utah has NO mandatory pre-licensing education requirement:

• No required classroom hours
• No mandated online courses
• No approved education providers needed

Recommended Preparation

Although not required, most insurance professionals opt to:

• Take a pre-license education course online
• Study 40-60 hours of exam content
• Take multiple practice exams
• Review Utah insurance laws thoroughly

Exam Registration

Register for your licensing exam:

• Provider: PSI Exams / Prometric
• Fee: $59 for individual exam
• Options: Physical testing center or remote online proctored exam

Remote Testing

Prometric offers remote exams to ensure accessibility and safety.

Exam Day Requirements

• Bring valid government-issued photo ID
• Arrive early for check-in
• No personal items allowed in testing room

Fingerprinting Requirements

Utah requires fingerprinting BEFORE submitting your license application:

Application Process

Immediately after passing the exam:

1. Use the kiosk at the test center
2. Complete license application online via Sircon or NIPR
3. Pay fingerprint fees ($13.25 FBI + $15.00 BCI)

License Application Process

After passing the exam:

1. Pass Exam: Score 70% or higher
2. Complete Fingerprinting: At test center kiosk
3. Apply Online: Through Sircon or NIPR
4. Pay Fees: Application and fingerprint fees
5. Background Check: Processed by Utah Insurance Department
6. License Issued: After approval

Continuing Education Requirements

To maintain your Utah Life & Health license:

Utah Insurance Department

The Utah Insurance Department regulates insurance in Utah:

Contact Information

• Website: insurance.utah.gov
• Phone: (801) 538-3800
• Address: 4315 S 2700 W, Suite 2300, Taylorsville, UT 84129

What This Study Guide Covers

This guide is organized into the following chapters:

1. Chapter 1: Utah Insurance Regulation & Licensing
2. Chapter 2: Utah Life Insurance Laws
3. Chapter 3: Utah Health Insurance Laws
4. Chapter 4: Utah Policy Provisions & Consumer Protections

Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.

Study Recommendations

Timeline

6-8 Weeks Before Exam:

• Begin studying Utah insurance law
• Review national Life & Health concepts
• Take diagnostic practice tests

4 Weeks Before Exam:

• Focus on weak areas identified
• Complete practice quizzes daily
• Memorize key Utah requirements

2 Weeks Before Exam:

• Take full-length practice exams
• Review Utah-specific regulations
• Schedule your exam with PSI/Prometric

1 Week Before Exam:

• Final review of key topics
• Focus on Utah laws and rules
• Get adequate rest

Test-Taking Tips

Before the Exam

1. Register with PSI or Prometric
2. Choose in-person or remote testing
3. If in-person, arrive early at the test center
4. Bring valid government-issued photo ID
5. No materials allowed in testing room

During the Exam

1. Read carefully: Every word matters
2. Watch for negatives: "NOT", "EXCEPT", "LEAST"
3. Eliminate wrong answers: Narrow choices
4. Flag difficult questions: Return later
5. Manage time: ~1 minute per question
6. Don't overthink: Trust your preparation

After the Exam

• Results provided immediately
• If you pass: Complete fingerprinting at test center kiosk IMMEDIATELY
• If you fail: Reschedule and pay new exam fee

Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Utah Insurance Department, as laws and requirements may change.