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Free Insurance Practice Questions

80,816+ questions • Free with explanations • AI study assistant • Updated 2026

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Life & Health (National)

Life and Health Insurance (National)

FREE
150 questionsPass: 70%2hState DOI/Prometric
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P&C (National)

Property and Casualty Insurance (National)

FREE
150 questionsPass: 70%2hState DOI/Prometric
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Life-Only

Life-Only Insurance License

FREE
100 questionsPass: 70%2hState Insurance Commissioner / Pearson VUE or PSI
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Accident & Health

Accident and Health Insurance License

FREE
100 questionsPass: 70%2hState Insurance Commissioner
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AHIP Medicare

AHIP Medicare Certification

FREE
50 questionsPass: 90%2hAmerica's Health Insurance Plans (AHIP)
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NABIP Medicare

NABIP Medicare Certification (MMACR)

FREE
50 questionsPass: 90%2hNational Association of Benefits and Insurance Professionals (NABIP)
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LTC Partnership

Long-Term Care Partnership Certification

FREE
100 questionsPass: 70%1-2hState-approved CE vendor (LTC Connection, WebCE, Kaplan, etc.)
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Annuity Best Interest

Annuity Suitability & Best Interest Training (NAIC Model 275)

FREE
100 questionsPass: 70%1hState-approved CE vendor
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CMS FFM Agent

CMS Federally-Facilitated Marketplace Agent Registration

FREE
100 questionsPass: 70%1hCMS Marketplace Learning Management System (MLMS)
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Personal Lines

Personal Lines Insurance License

FREE
100 questionsPass: 70%1.5 hoursState Insurance Commissioner / Pearson VUE or PSI
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Property-Only (National)

Property-Only Insurance License

FREE
100 questionsPass: 70%2hState DOI / Pearson VUE or PSI
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Casualty-Only

Casualty-Only Insurance License

FREE
100 questionsPass: 70%2hState Insurance Commissioner / Pearson VUE or PSI
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About Insurance Practice Exams

Free practice questions for insurance licensing exams spanning Life & Health, Property & Casualty, adjusters, and surplus lines across all 50 states. Updated for 2026 with AI-powered study assistance.

The US insurance industry employs over 568,000 active sales agents (BLS 2024) with over 2 million licensed producers (NAIC). Median salary is $60,370 (BLS 2024). With 400,000 insurance professionals expected to retire by 2026, the industry faces unprecedented demand for newly licensed agents.

2M+

Licensed Producers in US

NAIC 2025

$60,370

Median Agent Salary

BLS 2024

47,000

Annual Job Openings

BLS

400,000

Retiring by 2026

BLS

50-85%

Pass Rate Range (by line)

State data

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Common Questions

Frequently Asked Questions

What insurance exams do you cover?

We cover Life & Health, Property & Casualty, public adjuster, surplus lines, and state-specific insurance licensing exams across all 50 states. Our question bank includes both national concepts and state-specific regulations for the highest-volume testing states.

Are these practice questions really free?

Yes, all practice questions are 100% free with detailed explanations. Our AI tutor helps you understand complex insurance concepts like policy provisions, underwriting principles, and state-specific regulations.

How should I prepare for insurance exams?

Complete your state's required pre-licensing education (typically 40+ hours), then use practice questions organized by topic. Focus on policy types, regulations, and ethics first. Plan 40-60 hours of study over 4-6 weeks and score 80%+ consistently before scheduling.

What career opportunities are in insurance?

Insurance careers include sales agent, claims adjuster, underwriter, risk manager, and agency owner. Median salary is $60,370 (BLS 2024), with top earners exceeding $135,660. Life insurance agents can earn first-year commissions of 40-120% of policy premiums.

How are these practice questions different from the real exam?

Our questions match the format and difficulty of actual state licensing exams. They cover the same content domains with scenario-based questions about policy provisions, regulations, and ethical situations you will encounter on exam day.

Why is the insurance industry hiring so aggressively?

BLS projects 400,000 insurance professionals will retire by 2026, creating unprecedented job openings. The industry is expected to add 47,000 positions annually, and 63% of insurance carriers plan to increase hiring through 2026.

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