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427+ Free Life & Health Practice Questions

Free Life & Health practice questions with answers and detailed explanations. Pass your Life and Health Insurance (National) exam on the first try with our exam-style questions and AI-powered study assistant.

427+ Questions
70% to Pass
100% Free
AI Tutor Included

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Questions by Category

Life-Insurance422 questions
Health-Insurance4 questions
Annuities1 questions

About the Life & Health Exam

The life and health insurance exam covers insurance principles, life insurance products, health insurance, annuities, and state regulations. Pass rates vary by state but typically range from 50-70%.

Questions

150 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$50-150 (State Insurance Commissioner)

Life & Health Exam Content Outline

25%

Insurance Principles

Risk, insurability, policy provisions, and underwriting

30%

Life Insurance

Term, whole life, universal life, and policy riders

20%

Health Insurance

Medical, disability, long-term care, and managed care

15%

Annuities

Fixed, variable, immediate, and deferred annuities

10%

Regulations & Ethics

State laws, producer conduct, and prohibited practices

How to Pass the Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 150 questions
  • Time limit: 2 hours
  • Exam fee: $50-150

Keys to Passing

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

Life & Health Study Tips from Top Performers

1Master policy provisions - know grace periods, incontestability, nonforfeiture options, and settlement options
2Understand the differences between term, whole life, and universal life insurance
3Learn Medicare Part A, B, C, D coverage and Medigap policies thoroughly

Frequently Asked Questions

How hard is the life and health insurance exam?

The exam is moderately difficult with pass rates varying by state (50-70%). Most candidates find understanding policy provisions and annuities the most challenging. With 80-100 hours of study and plenty of practice questions, you can pass on your first attempt.

How many questions are on the life and health exam?

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%.

What topics are covered?

The exam covers insurance principles, life insurance products (term, whole, universal), health insurance (medical, disability, LTC), annuities, Medicare/Medicaid, and state regulations. Focus heavily on policy provisions and riders.

How long should I study?

Plan for 80-100 hours of study over 4-8 weeks. Complete at least 300 practice questions and understand concepts rather than memorizing. Aim for 80%+ on practice tests before scheduling your exam.