199+ Free ID Life & Health Practice Questions

Pass your Idaho Life & Health Insurance exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

Not publicly reported Pass Rate

199+ Questions

100% Free

1 / 10

Question 1

Score: 0/0

Which Idaho agency regulates insurance producers and insurers in the state?

Idaho Office of Financial Regulation

Idaho Department of Insurance (IDOI)

Idaho Department of Commerce Insurance Bureau

Idaho Consumer Insurance Division

to track

2026 Statistics

Key Facts: ID Life & Health Exam

InsID-Life0001

Idaho Life Series Code

Pearson VUE Idaho handbook

InsID-AH0002

Idaho A&H Series Code

Pearson VUE Idaho handbook

Delivered Questions Per Exam

75 scored + 11 pretest

120 min

Time Per Exam

Pearson VUE Idaho handbook

70%

Passing Score

Idaho candidate handbook

$65

Fee Per Exam

Pearson VUE Idaho pricing

Idaho uses separate Life (InsID-Life0001) and Accident & Health (InsID-AH0002) exams. Each exam is 120 minutes with 86 delivered items (75 scored + 11 pretest), a 70% passing standard, and a $65 fee. Idaho does not require pre-approval before scheduling, then resident applicants complete fingerprinting and licensing steps through NIPR/IDOI processes.

Sample ID Life & Health Practice Questions

Try these sample questions to test your ID Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which Idaho agency regulates insurance producers and insurers in the state?

A.Idaho Office of Financial Regulation

B.Idaho Department of Insurance (IDOI)

C.Idaho Department of Commerce Insurance Bureau

D.Idaho Consumer Insurance Division

Explanation: The Idaho Department of Insurance is the state regulator for producer licensing, insurer oversight, and market conduct. Idaho content outlines repeatedly reference Title 41 and director authority under the IDOI framework. Knowing the regulator is foundational for state-law questions.

2Idaho insurance producer law is primarily codified in which title of the Idaho Code?

A.Title 30

B.Title 54

C.Title 41

D.Title 28

Explanation: Title 41 is the Idaho Insurance Code and governs producer licensing, appointments, renewals, and enforcement. Exam references for licensing and unfair practices consistently point back to Title 41 sections. Candidates should anchor Idaho legal questions to Title 41 unless another title is specifically cited.

3How does Idaho test resident life and health producer authority for major lines?

A.One combined life-and-health exam only

B.A jurisprudence exam plus one combined product exam

C.Separate Life Producer and Accident and Health Producer exams

D.No examination is required for resident producers

Explanation: Idaho uses separate resident producer exams for Life and for Accident and Health or Sickness. Candidates pursuing both lines usually take both exams and pass each at the state cut score. This differs from states that use one combined life-health exam code.

4Which Idaho exam series codes match the resident Life and Accident & Health producer exams?

A.InsID-Life0001 (Life) and InsID-AH0002 (Accident & Health)

B.121300 (Life) and 121301 (Accident & Health)

C.InsID-Life0001 (Life) and InsID-Health0002 (Accident & Health)

D.ID-Life-01 (Life) and ID-AH-02 (Accident & Health)

Explanation: Pearson VUE Idaho program materials list InsID-Life0001 for Life Producer and InsID-AH0002 for Accident and Health Producer in the scheduling table. These series codes are used for booking the correct exam line. Using the wrong code can lead to registering for the wrong test.

5What is the test time for each Idaho Life or Accident & Health producer exam?

A.90 minutes

B.105 minutes

C.120 minutes

D.150 minutes

Explanation: The Idaho candidate handbook lists 120 minutes for each of the two major life/health line exams. Time management should therefore be practiced per line, not as one long combined session. Candidates taking both lines should expect two separate timed exams.

6How many total questions are delivered on each Idaho Life or Accident & Health exam?

A.75

B.80

C.86

D.100

Explanation: Each exam delivers 86 total questions according to Idaho program documentation. This includes both scored and pretest items. Understanding delivered versus scored counts helps set realistic pacing expectations.

7What is the scored versus pretest breakdown for each Idaho Life or Accident & Health exam?

A.70 scored and 16 pretest

B.75 scored and 11 pretest

C.80 scored and 6 pretest

D.86 scored and 0 pretest

Explanation: Idaho outlines show 75 scored items plus 11 pretest items per exam. Pretest items are not scored but are mixed into the exam and are not identified during testing. Candidates should answer all questions as if they count.

8What minimum passing score is listed for Idaho producer licensing exams?

A.65%

B.68%

C.70%

D.75%

Explanation: The Idaho candidate handbook lists a 70% passing score for producer exams. Since life and health are tested as separate lines, each line must be passed independently. This makes focused line-by-line preparation important.

9What is the listed resident exam fee per Idaho line of authority?

A.$49

B.$61.25

C.$65

D.$80

Explanation: Idaho lists $65 per resident exam line of authority. For applicants seeking both life and accident/health authority, that usually means paying two exam fees. The fingerprint fee and application fee are separate charges.

10Before scheduling Idaho producer exams, what pre-approval is required from the state?

A.A 20-hour state prelicense certificate

B.No pre-approval is required to schedule the exam

C.A county-level training waiver

D.A DOI interview clearance letter

Explanation: The Idaho candidate handbook states candidates do not require state pre-approval before testing. This is a key difference from states that gate exam eligibility through mandatory prelicensing completion. You still must meet all licensing requirements after passing.

About the ID Life & Health Exam

Idaho producer licensing for life and health typically requires two separate exams: Life Producer (InsID-Life0001) and Accident and Health Producer (InsID-AH0002). Each exam combines national product knowledge with Idaho producer law and line-specific state requirements.

Questions

172 scored questions

Time Limit

120 minutes per exam (240 minutes total)

Passing Score

70% on each exam

Exam Fee

$65 per exam ($130 for both lines) (Idaho Department of Insurance / Pearson VUE)

ID Life & Health Exam Content Outline

31%

Life Insurance and Annuities

Life policy types, provisions, beneficiaries, nonforfeiture, replacement concepts, and annuity suitability/best-interest expectations

31%

Accident and Health Insurance

Health policy structures, disability income, group and individual coverage, Medicare supplement, long-term care, and related policy provisions

23%

Idaho Producer Law and Regulation

Title 41 producer licensing, appointments, CE and renewal workflow, unfair practices, discipline/reporting duties, and IDOI authority

15%

Idaho Line-Specific Compliance

Idaho life and health statutes/rules including replacement, annuity training, LTC training cadence, and Idaho-specific health-market conduct requirements

How to Pass the ID Life & Health Exam

What You Need to Know

Passing score: 70% on each exam
Exam length: 172 questions
Time limit: 120 minutes per exam (240 minutes total)
Exam fee: $65 per exam ($130 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

ID Life & Health Study Tips from Top Performers

1Memorize Idaho exam logistics first: two exam codes, 120 minutes each, 86 delivered items, and separate passing outcomes.

2Prioritize Idaho producer-law topics early, including licensing, appointments, reporting windows, CE/renewal workflow, and discipline triggers.

3Drill replacement and annuity suitability scenarios because Idaho emphasizes consumer-protection documentation and best-interest logic.

4Use focused health-law practice for Medicare supplement, disability, and LTC content, including Idaho product-training requirements.

5Run two timed 120-minute simulations and review misses by Idaho law domain, not only by product type.

Frequently Asked Questions

Is Idaho Life and Health a single combined exam?

No. Idaho uses two separate resident exams: Life Producer (InsID-Life0001) and Accident and Health Producer (InsID-AH0002). Candidates seeking both authorities generally pass both exams.

How many questions and how much time are on each Idaho exam?

Each Idaho Life or Accident and Health exam has 86 delivered questions and a 120-minute time limit. The common scoring structure is 75 scored items plus 11 pretest items.

What passing score applies in Idaho?

Idaho materials list a 70% passing score for producer licensing exams. Because life and health are separate lines, each line must be passed independently.

What is the Idaho exam fee and what other major licensing costs apply?

Pearson VUE lists $65 per exam line. Idaho also publishes separate resident licensing costs such as the producer application fee and fingerprint processing fee.

Does Idaho require prelicense-hour approval before exam scheduling?

Idaho candidate guidance states no state pre-approval is required to schedule producer exams. After passing, applicants still complete all resident licensing and background requirements.

What continuing education applies after Idaho licensure?

Idaho resident producers complete 24 CE hours every two years, including at least 3 ethics hours. CE completion does not auto-renew the license; producers still submit renewal through NIPR.