200+ Free IA Life & Health Practice Questions

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Which Iowa agency has primary authority to regulate life and health insurers and producers?

Iowa Department of Revenue

Iowa Insurance Division (IID)

Iowa Department of Human Services

Iowa Secretary of State

to track

2026 Statistics

Key Facts: IA Life & Health Exam

Life Delivered Questions

Pearson VUE IA outline (effective 1/1/2026)

A&H Delivered Questions

Pearson VUE IA outline (effective 1/1/2026)

Time Per Exam

Pearson VUE IA handbook

$44

Fee Per Exam

Pearson VUE IA handbook

36/3

CE Credits / Ethics

Iowa Insurance Division CE summary

90 days

Exam Result Validity Window

Pearson VUE IA handbook

Iowa Life and Health licensing usually means passing two Pearson VUE exams: Life (94 delivered questions) and Accident & Health (93 delivered questions), each with a 2-hour time limit and a $44 fee. Iowa publishes no fixed prelicensing-hour requirement, but licensing still requires exam passage plus background-screening steps under Iowa Code 522B.5A. Iowa CE is 36 credits every 3-year term, including 3 ethics credits.

Sample IA Life & Health Practice Questions

Try these sample questions to test your IA Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Iowa agency has primary authority to regulate life and health insurers and producers?

A.Iowa Department of Revenue

B.Iowa Insurance Division (IID)

C.Iowa Department of Human Services

D.Iowa Secretary of State

Explanation: The Iowa Insurance Division is the state regulator for insurance licensing and market conduct. It enforces Iowa insurance statutes and rules for both life and health business. The other listed agencies do not serve as Iowa's primary insurance regulator.

2Which statement best describes Iowa's pre-licensing education rule for life and health producer applicants?

A.Iowa requires 20 hours for life and 20 hours for health before testing

B.Iowa requires a combined 60-hour pre-licensing package before testing

C.Iowa does not impose a pre-licensing course-hour requirement before the licensing exam

D.Iowa requires pre-licensing only for health, not life

Explanation: Iowa does not require a fixed number of pre-licensing classroom hours before taking the producer exam. Applicants still must pass the exam and complete licensing steps, including background processing. Many candidates still take prep courses even though hours are not mandated.

3Which testing vendor administers Iowa life and health producer licensing exams?

A.PSI Services

B.Prometric

C.Pearson VUE

D.FINRA

Explanation: Iowa producer exams are administered through Pearson VUE. Candidates schedule and pay exam fees through that vendor's Iowa insurance testing process. PSI, Prometric, and FINRA are not the current Iowa producer exam vendor for this line.

4What is the exam code for the Iowa Life producer exam administered by Pearson VUE?

A.12-IA-01

B.12-IA-02

C.14-IA-01

D.12-IA-LH

Explanation: The Iowa Life producer exam code is 12-IA-01. The companion Accident and Health exam uses a different code. Knowing the exact code helps avoid scheduling the wrong test.

5What is the exam code for the Iowa Accident and Health producer exam administered by Pearson VUE?

A.12-IA-LIFE

B.12-IA-02

C.12-IA-12

D.15-IA-02

Explanation: The Iowa Accident and Health exam code is 12-IA-02. The Life exam is coded separately as 12-IA-01. Iowa candidates typically need both when pursuing full life and health authority.

6How long is each Iowa life or accident and health producer exam?

A.90 minutes

B.2 hours

C.2.5 hours

D.3 hours

Explanation: Each Iowa Life and Accident and Health exam is timed for 2 hours. Time management matters because candidates must finish all items within that window. Practicing under timed conditions is important for pass readiness.

7What is the current fee for each Iowa life or accident and health producer exam attempt?

A.$38

B.$44

C.$50

D.$65

Explanation: The listed fee is $44 for each exam attempt. Because Life and A&H are separate tests, a candidate taking both pays each exam fee. Vendor fees can change over time, so candidates should still confirm current pricing when scheduling.

8After passing an Iowa producer exam, how long are the exam results generally valid for licensing purposes?

A.30 days

B.60 days

C.90 days

D.180 days

Explanation: Iowa exam results are generally valid for 90 days. Candidates should submit their licensing application within that window. Waiting too long can require retesting.

9What is the standard Iowa resident producer license term for life and health authority?

A.1 year

B.2 years

C.3 years

D.4 years

Explanation: Iowa producer licenses run on a 3-year term. Producers must keep up with renewal requirements during each term to avoid lapse. Term length affects CE planning and compliance timing.

10How many continuing education credits must an Iowa resident producer complete each term, and how many must be ethics?

A.24 total, including 3 ethics

B.30 total, including 2 ethics

C.36 total, including 3 ethics

D.40 total, including 4 ethics

Explanation: Iowa requires 36 CE credits per term, including 3 ethics credits. Completing only total hours without the ethics component is still a compliance issue. This is a core Iowa licensing rule tested frequently.

About the IA Life & Health Exam

Iowa candidates typically complete two separate producer exams: Life (12-IA-01) and Accident & Health (12-IA-02). The current Pearson VUE outlines (effective January 1, 2026) blend national product concepts with substantial Iowa-specific law and producer compliance content.

Questions

187 scored questions

Time Limit

2 hours per exam (4 hours total)

Passing Score

Pass/fail standard set by IID (commonly cited as 70%)

Exam Fee

$44 per exam ($88 for both lines) (Iowa Insurance Division / Pearson VUE)

IA Life & Health Exam Content Outline

32%

Life General Knowledge

Life policy types, provisions/riders/options, underwriting, beneficiary/ownership rules, annuities, and tax fundamentals

32%

Accident & Health General Knowledge

Health policy structures, disability income, group coverage, Medicare/Medicaid concepts, and policy clauses

19%

Iowa Common Law and Producer Regulation

IID authority, licensing rules, appointments, unfair practices, producer duties, and regulatory enforcement concepts tested on both lines

17%

Iowa Line-Specific Law

Life-specific and health-specific Iowa statutes and rules including replacement, annuity standards, Med Supp, LTC, and Iowa special programs

How to Pass the IA Life & Health Exam

What You Need to Know

Passing score: Pass/fail standard set by IID (commonly cited as 70%)
Exam length: 187 questions
Time limit: 2 hours per exam (4 hours total)
Exam fee: $44 per exam ($88 for both lines)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

IA Life & Health Study Tips from Top Performers

1Study the two Iowa outlines separately and track which topics are common law versus line-specific law

2Memorize Iowa producer compliance triggers early: licensing status, appointments, unfair practices, and CE timelines

3Drill life policy provisions and annuity replacement/suitability scenarios because they are common application questions

4Use scenario practice for Medicare supplement, LTC, HAWK-I, and HIPIOWA topics that appear in Iowa health-law sections

5Practice under timed 2-hour conditions for each line and review misses by domain, not just by product type

Frequently Asked Questions

Is Iowa Life & Health one combined exam?

Usually no. Iowa uses separate producer exams for Life (12-IA-01) and Accident & Health (12-IA-02), and candidates pursuing both authorities typically pass both.

How many questions and how much time are on Iowa exams?

Current Iowa Pearson VUE outlines list Life at 94 delivered questions and Accident & Health at 93 delivered questions, with 2 hours allotted for each exam.

What does Iowa charge for testing?

Pearson VUE lists Iowa insurance producer exam reservations at $44 per exam line. Taking both lines is typically $88 in exam fees, excluding licensing application and background-processing costs.

Does Iowa require prelicensing classroom hours?

Iowa does not publish a mandatory prelicensing-hour requirement for these lines in the current candidate handbook. You still must pass the exam and complete all licensing requirements, including background-check steps where required.

What Iowa post-license CE applies to resident producers?

Iowa resident producers generally complete 36 continuing education credits every 3-year term, including at least 3 ethics credits. Always confirm current CE cycle details directly with IID.

Was there a recent Iowa licensing-process update?

Yes. IID Bulletin 25-03 announced integration changes beginning June 2, 2025 for fingerprint/background workflow under Iowa Code 522B.5A. Candidates should follow the latest vendor instructions during application.