1327+ Free Life & Health Practice Questions

Life & Health insurance exam pass rates range from 65-85% depending on the state. States with more rigorous exams like California may have lower pass rates. With proper preparation using 300+ practice questions, you can significantly improve your chances of passing on the first attempt.

The exam is moderately difficult with pass rates varying by state (65-85%). Most candidates find understanding policy provisions, annuities, and Medicare the most challenging. With 60-80 hours of study and plenty of practice questions, you can pass on your first attempt.

Most states have 150 questions on the combined life and health exam (some states separate them). You typically have 2-3 hours to complete the exam, with a passing score around 70% (105 correct answers).

The exam covers insurance principles (25%), life insurance products including term, whole, and universal (30%), health insurance including medical, disability, and LTC (20%), annuities (15%), and state regulations (10%). Focus heavily on policy provisions and riders.

Plan for 60-80 hours of study over 4-6 weeks. Most states require 40+ hours of pre-licensing education. Complete at least 300 practice questions and score 80%+ consistently before scheduling your exam.

The BLS projects 47,000 annual job openings for insurance sales agents. With 400,000 insurance professionals expected to retire by 2026, the industry offers unprecedented opportunity. Median salary is $60,370 with top earners exceeding $135,000.