Free Practice Questions for KS Life & Health

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Exam Review

Key Facts: KS Life & Health Exam

12-KS-05

Exam Code

Pearson VUE Kansas handbook

154

Delivered Questions

140 scored + 14 pretest

150 min

Exam Time

Pearson VUE Kansas handbook

70%

Passing Score

Kansas Department of Insurance

$64

Exam Fee

Pearson VUE fee table

Mar 1, 2025

Current Outline Effective Date

Kansas content outlines #121703

Kansas exam 12-KS-05 is 154 delivered questions (140 scored + 14 pretest) with a 150-minute time limit and a 70% passing score. The current outline effective March 1, 2025 weights 100 scored questions to national life/health concepts and 40 scored questions to Kansas statutes/regulations. Kansas does not require prelicensing hours before testing, and exam results are valid for 2 years.

Sample KS Life & Health Practice Questions

Try these sample questions to review concepts for the KS Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 630+ question experience with AI tutoring.

1Which agency is the primary insurance regulator for life and health insurance in Kansas?

A.Kansas Department of Revenue

B.Kansas Insurance Department (KID)

C.Kansas Department of Commerce

D.Kansas Office of Administrative Hearings

Explanation: The Kansas Insurance Department (KID) regulates insurers and producers in Kansas. It oversees licensing, market conduct, and consumer protection under Kansas insurance law.

2How is the Kansas Insurance Commissioner selected?

A.Appointed by the governor

B.Appointed by the state senate

C.Elected statewide by Kansas voters

D.Selected by the Kansas Supreme Court

Explanation: Kansas is one of the states where the insurance commissioner is elected statewide. This differs from states where the commissioner is appointed by the governor.

3What is the exam code for the Kansas Life & Accident and Health producer exam?

A.12-KS-03

B.12-KS-04

C.12-KS-05

D.12-KS-10

Explanation: Kansas uses exam code 12-KS-05 for the combined Life and Accident and Health producer exam. Using the correct code prevents registering for the wrong test.

4How is the question count structured on Kansas exam 12-KS-05?

A.120 scored and 10 pretest

B.140 scored and 14 pretest

C.150 scored and no pretest

D.100 scored and 40 pretest

Explanation: Kansas exam 12-KS-05 has 140 scored questions plus 14 pretest questions. Pretest items are unscored but are mixed with scored items, so candidates should answer every question carefully.

5How much time is allowed for Kansas exam 12-KS-05?

A.120 minutes

B.135 minutes

C.150 minutes

D.180 minutes

Explanation: The Kansas Life and Health producer exam allows 150 minutes. Time management matters because the exam includes both national product content and Kansas-specific law content.

6What minimum passing score is required on the Kansas Life & Health producer exam?

A.65%

B.68%

C.70%

D.75%

Explanation: Kansas uses a 70% passing standard for this producer licensing exam. A score below that threshold does not qualify for licensure.

7What is the exam fee for Kansas Life & Accident and Health exam 12-KS-05?

A.$49

B.$64

C.$89

D.$105

Explanation: The exam fee for Kansas 12-KS-05 is $64 per attempt. This testing fee is separate from application, fingerprinting, and other licensing costs.

8Which statement correctly describes Kansas prelicensing education for resident life and health producer applicants?

A.Kansas requires 20 hours of life prelicensing and 20 hours of health prelicensing

B.Kansas requires 40 hours of combined prelicensing education

C.Kansas has no prelicensing education requirement

D.Kansas requires prelicensing only for first-time life applicants

Explanation: Kansas does not require a prelicensing education course before taking the producer exam. Candidates may still use prep courses, but those courses are optional rather than mandated by the state.

9How long are passing Kansas Life & Health exam results valid for licensing purposes?

A.6 months

B.1 year

C.2 years

D.3 years

Explanation: Kansas exam results are valid for 2 years. If an applicant does not complete licensing within that window, retesting is generally required.

10Which item is part of the Kansas resident producer licensing process after passing the exam?

A.County business license verification

B.Certificate of Tax Clearance

C.Proof of 40 hours of classroom prelicensing

D.Surety bond filing for all applicants

Explanation: Kansas resident licensing includes tax clearance as part of the application process. Passing the exam alone is not enough to receive a resident producer license.

About the KS Life & Health Exam

Kansas uses one combined Life and Accident & Health producer exam that blends national life/health content with Kansas producer law, line-specific statutes, and consumer-protection regulations.

Exam sponsor: Kansas Insurance Department (KID) / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

154 questions

Time Limit

150 minutes (2 hours 30 minutes)

Passing Score

70%

Exam / Certification Fees

$64

Exam sponsor website

Reported exam pass rate: Not publicly reported. Kansas Insurance Department and Pearson VUE do not publish a statewide first-time pass rate Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

100/140 scored (~71%)

National Life & Health Core

Life products and policy provisions, annuities, health policy structures, social insurance, underwriting, retirement/tax concepts, and field practices

18/140 scored (~13%)

Kansas Common Insurance Law

Commissioner authority, producer licensing/maintenance, appointments, unfair trade practices, and guaranty-association fundamentals tested across lines

11/140 scored (~8%)

Kansas Life-Specific Law

Life replacement rules, policy provisions/rights, policy loans, beneficiary protections, viaticals, and annuity suitability/provisions

11/140 scored (~8%)

Kansas Health-Specific Law

Individual/group health provisions, Med Supp, LTC requirements, continuation/COB concepts, blanket insurance, and ACA-tested topics

Preparing for the KS Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 154 questions
Time limit: 150 minutes (2 hours 30 minutes)
Exam / certification fees: $64 Official sources

Using Our Practice Resources

Work through all 630 available questions
Review every answer and explanation
Track weak areas and revisit them
Use our AI tutor for tough concepts

KS Life & Health: Suggested Study Strategy

1Memorize Kansas exam logistics first: 154 delivered items, 150 minutes, 70% passing score, and $64 exam fee

2Use the outline weights to prioritize study time: life/health core first, then Kansas common law, then life-only and health-only Kansas law

3Drill Kansas producer-law scenarios on licensing, CE maintenance, appointments, and unfair-practice enforcement

4Practice Kansas line-specific law for life replacement, annuity suitability, Med Supp, and LTC compliance rules

5Run timed mixed sets and review misses by Kansas citation domain, not just by product type

Frequently Asked Questions

How many questions and how much time are on Kansas exam 12-KS-05?

Kansas 12-KS-05 is delivered as 154 total questions (140 scored and 14 pretest) with a 150-minute time limit.

What passing score and fee apply to Kansas Life & Health?

Kansas uses a 70% passing standard, and Pearson VUE lists a $64 fee for the combined Life and Accident & Health exam.

How much of the Kansas exam is state law?

The current outline allocates 40 of 140 scored questions to Kansas law: 18 common-law, 11 life-only, and 11 health-only questions.

Does Kansas require prelicensing education before the exam?

No. Kansas candidate guidance states there is no mandatory prelicensing hour requirement before scheduling the producer exam.

How long are Kansas passing exam results valid?

Kansas candidate materials state producer exam scores are valid for 2 years for licensing application purposes.

What continuing education applies after licensing in Kansas?

Kansas resident producer CE is 18 hours every 2 years, including 3 ethics hours. Excess hours do not carry forward to the next cycle.

Free Practice Questions for KS Life & Health

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