200+ Free IL Life & Health Practice Questions
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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.
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
Life General Knowledge
Life policy types, provisions/riders, underwriting and delivery, retirement concepts, and annuities (50 scored questions)
Accident & Health General Knowledge
Health policy types/provisions, social insurance, field underwriting, and disability/LTC concepts (50 scored questions)
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)
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
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.