191+ Free IL Life & Health Practice Questions

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Question 1

Score: 0/0

Who administers Illinois life and health producer licensing examinations?

Prometric

Pearson VUE

PSI

Illinois Department of Insurance

to track

2026 Statistics

Key Facts: IL Life & Health Exam

190 total

Delivered Questions

Illinois 2026 outlines (170 scored + 20 pretest)

270 min

Total Time

Pearson VUE Illinois handbook + outlines

70%

Passing Score

Illinois exam scoring standard

$92

Per Scheduled Exam

Illinois Pearson VUE handbook

20 + 20 hrs

Prelicense Hours

215 ILCS 5/500-30

24 CE / 3 ethics

Biennial CE

215 ILCS 5/500-35

Illinois materials show Life General at 50 scored + 5 pretest (85 minutes), Life State at 31 scored + 5 pretest (50 minutes), Health General at 50 scored + 5 pretest (80 minutes), and Health State at 39 scored + 5 pretest (55 minutes). That is 170 scored and 20 pretest questions across a 270-minute full two-line path. Key Illinois rules include 20 prelicense hours per line with 7.5 classroom/webinar hours, 24 CE hours every 2 years with 3 ethics hours, and address-change reporting within 30 days.

Sample IL Life & Health Practice Questions

Try these sample questions to test your IL Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 191+ question experience with AI tutoring.

1Who administers Illinois life and health producer licensing examinations?

A.Prometric

B.Pearson VUE

C.PSI

D.Illinois Department of Insurance

Explanation: Pearson VUE is the testing vendor used for Illinois insurance producer examinations. Knowing the vendor helps candidates use the correct scheduling and test-day rules.

2What minimum score is required to pass Illinois life and health licensing examinations?

A.65

B.68

C.70

D.75

Explanation: Illinois uses a 70 passing score for these examinations. Candidates should aim above 70 on practice sets to leave a margin for exam-day variance.

3What is the handbook fee for each scheduled Illinois insurance examination?

A.$50

B.$70

C.$92

D.$215

Explanation: The handbook states a $92 fee per scheduled examination. This is the base per-exam amount before any specific pair-order discount is applied.

4How does Illinois price a major-line general and state exam when they are ordered together?

A.No price change from separate scheduling

B.The pair is discounted when ordered together

C.The second exam costs $215

D.Both exams become free after one pass

Explanation: Illinois indicates a discount for a major-line general and state pair when ordered together. Scheduling strategy can affect total cost, so candidates should compare options before booking.

5Under 215 ILCS 5/500-30, what is the minimum age for an Illinois producer applicant?

A.16

B.18

C.20

D.21

Explanation: Section 500-30 sets the minimum age at 18. A candidate who has not reached 18 does not meet this baseline licensing requirement.

6If an applicant wants both Life and Accident & Health lines in Illinois, how many total prelicense hours are required by 215 ILCS 5/500-30?

A.20 total hours

B.24 total hours

C.40 total hours

D.48 total hours

Explanation: Illinois requires 20 hours for Life and 20 hours for Accident & Health. Completing both lines therefore requires 40 total prelicense hours.

7Per 215 ILCS 5/500-30, how many hours per line must be completed in classroom or webinar format?

A.3

B.4

C.7.5

D.20

Explanation: The statute requires 7.5 hours per line in classroom or webinar delivery. This live-instruction minimum applies within each 20-hour line requirement.

8What is the resident producer license fee under 215 ILCS 5/500-135?

A.$92 per exam

B.$215 biennial

C.$50 one-time

D.$2,500 annual

Explanation: Section 500-135 sets the resident producer license fee at $215 on a biennial basis. This is separate from exam reservation and processing fees.

9What exam application processing fee is listed in 215 ILCS 5/500-135?

A.$24

B.$50

C.$92

D.$215

Explanation: Illinois lists a $50 exam application processing fee in Section 500-135. Candidates should not confuse this amount with the separate exam scheduling fee.

10How many continuing education hours are required each biennial cycle under 215 ILCS 5/500-35?

A.20

B.24

C.30

D.40

Explanation: Section 500-35 requires 24 CE hours every two years. Producers should track progress during the cycle to avoid a last-minute compliance issue.

About the IL Life & Health Exam

Illinois producer candidates typically complete four exam components for full Life + Accident & Health authority: Life General, Life Illinois-Specific, Health General, and Health Illinois-Specific. The state-law portions heavily test producer licensing, fiduciary duties, unfair practices, and Illinois life/health statutes.

Questions

190 scored questions

Time Limit

4 hours 30 minutes total (270 minutes)

Passing Score

70% on each exam component

Exam Fee

$92 per scheduled exam; pair discount when major-line general + state are ordered together (Illinois Department of Insurance (IDOI) / Pearson VUE)

IL Life & Health Exam Content Outline

29%

Life General Knowledge

Life policy types, provisions/riders, underwriting and delivery, retirement concepts, and annuities (50 scored questions)

29%

Accident & Health General Knowledge

Health policy types/provisions, social insurance, field underwriting, and disability/LTC concepts (50 scored questions)

26%

Illinois Common Producer Law

Director authority, licensing and registration, fees, CE, fiduciary duty, and unfair-practice framework tested in both state sections (44 scored questions total)

16%

Illinois Line-Specific Statutes

Life-only rules (replacement, solicitation, illustrations, guaranty references) plus health-only rules (Medicare supplement, LTC, minimum standards, HMOs/LHSOs)

How to Pass the IL Life & Health Exam

What You Need to Know

Passing score: 70% on each exam component
Exam length: 190 questions
Time limit: 4 hours 30 minutes total (270 minutes)
Exam fee: $92 per scheduled exam; pair discount when major-line general + state are ordered together

Keys to Passing

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

IL Life & Health Study Tips from Top Performers

1Treat Illinois as a four-component path and build separate pacing for each timed section

2Memorize core producer-law citations first: 500-30, 500-35, 500-70, 500-95, 500-115, 500-130, and 500-135

3Drill life replacement, solicitation, and illustration scenarios using Illinois rule language

4Practice health scenarios on Medicare supplement standards, LTC rules, and group/individual minimum standards

5In final review, run mixed timed sets that mirror the general/state split rather than studying only national content

Frequently Asked Questions

How many total questions are in Illinois Life + Health testing?

Across both lines, Illinois outlines list 170 scored questions and 20 pretest questions for 190 delivered questions total. The split is 55 Life General, 36 Life State, 55 Health General, and 44 Health State when pretest questions are included.

What are Illinois time limits and passing scores?

Total seat time for the full two-line path is 270 minutes (85 + 50 + 80 + 55). Illinois uses a 70 passing score on each exam component.

What prelicense education does Illinois require?

Under 215 ILCS 5/500-30, Illinois requires 20 prelicense hours for Life and 20 for Accident & Health. At least 7.5 hours per line must be completed in classroom or webinar format.

What continuing education applies after licensure?

Under 215 ILCS 5/500-35, resident producers complete 24 CE hours every 2 years, including 3 hours of classroom or webinar ethics. Illinois also allows up to 4 CE hours via approved professional-association participation, but those hours cannot satisfy ethics.

What Illinois laws are tested most often?

Candidates repeatedly see questions on Article XXXI producer law (licensing, fees, CE, discipline, fiduciary duties), plus line-specific rules such as life replacement/solicitation and health Medicare supplement/LTC standards. Knowing statute references improves performance on scenario-based state-law items.