200+ Free SD Life & Health Practice Questions

Pass your South Dakota Life & Health Insurance exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

Not publicly reported Pass Rate

200+ Questions

100% Free

1 / 10

Question 1

Score: 0/0

Which state regulator oversees life and health insurance producers in South Dakota?

South Dakota Division of Insurance

South Dakota Department of Revenue

South Dakota Office of Consumer Protection

South Dakota Secretary of State, Insurance Bureau

to track

2026 Statistics

Key Facts: SD Life & Health Exam

145

Total Questions

SD Pearson VUE handbook (InsSD_LAH45)

150 min

Time Limit

SD Pearson VUE handbook (InsSD_LAH45)

$95

Exam Fee

SD Pearson VUE handbook (combo exam)

Scaled 70

Passing Score

South Dakota scoring standard

No prelicense hours

Pre-Licensing Requirement

NIPR South Dakota requirements

$25

Resident Application Fee

SDCL 58-30-42

30 / 2 years

CE Requirement

SDCL 58-30-105

South Dakota InsSD_LAH45 is listed at 145 total questions in 150 minutes with a $95 reservation fee and a scaled passing score of 70. The scored blueprint is 100 general-knowledge questions plus 30 South Dakota-law questions, with 15 additional pretest items. South Dakota also stands out for no pre-licensing education requirement, a $25 resident producer application fee, and CE of 30 credits every two years including 3 ethics credits.

Sample SD Life & Health Practice Questions

Try these sample questions to test your SD Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state regulator oversees life and health insurance producers in South Dakota?

A.South Dakota Division of Insurance

B.South Dakota Department of Revenue

C.South Dakota Office of Consumer Protection

D.South Dakota Secretary of State, Insurance Bureau

Explanation: The South Dakota Division of Insurance is the primary insurance regulator in the state. It administers licensing, enforcement, and market conduct oversight under South Dakota insurance law.

2What is the exam code for the South Dakota combined Life & Health producer exam?

A.InsSD_LH25

B.InsSD_LAH45

C.InsSD_HL45

D.InsSD_LA55

Explanation: South Dakota uses exam code InsSD_LAH45 for the combined life and health producer test. Using the wrong code can delay licensing because you may register for the wrong exam.

3According to the Pearson VUE South Dakota handbook, how is exam InsSD_LAH45 structured?

A.120 questions in 120 minutes

B.130 questions in 150 minutes

C.145 questions in 150 minutes

D.150 questions in 180 minutes

Explanation: The South Dakota combined life and health exam includes 145 total questions with a 150-minute time limit. Candidates should practice pacing close to one minute per item.

4What is the current exam fee for South Dakota exam InsSD_LAH45?

A.$75

B.$89

C.$95

D.$110

Explanation: The Pearson VUE South Dakota handbook lists the combined life and health exam fee as $95 per attempt. This testing fee is separate from the state application fee.

5What passing standard applies to the South Dakota Life & Health licensing exam?

A.Scaled score of 65

B.Scaled score of 70

C.70% raw score exactly

D.75% raw score exactly

Explanation: South Dakota reports passing as a scaled score of 70 on the licensing exam. A scaled score is not always the same as a simple raw percentage.

6If a candidate fails South Dakota exam InsSD_LAH45, when is the earliest retake allowed?

A.Immediately after receiving the score report

B.After 24 hours

C.After 7 calendar days

D.At the next monthly test window

Explanation: The South Dakota handbook allows retesting after a 24-hour wait. Each retake requires a new exam registration and fee.

7Which statement correctly describes South Dakota pre-licensing education for resident life and health producer applicants?

A.South Dakota requires 40 hours of pre-licensing education

B.South Dakota requires separate pre-licensing for life and health only

C.South Dakota has no pre-licensing education requirement

D.South Dakota requires pre-licensing only for first-time applicants under age 21

Explanation: South Dakota does not require a pre-licensing course before taking the producer exam. Applicants still must pass the exam and complete the state licensing process.

8Under SDCL 58-30-42, what is the resident producer license application fee in South Dakota?

A.$15

B.$25

C.$50

D.$95

Explanation: SDCL 58-30-42 sets the resident producer application fee at $25. This is a state licensing fee and is separate from examination charges.

9What continuing education requirement applies to most South Dakota resident producers under SDCL 58-30-105?

A.24 credits every 2 years, including 3 ethics

B.30 credits every year, including 3 ethics

C.30 credits every 2 years, including 3 ethics

D.40 credits every 2 years, including 6 ethics

Explanation: South Dakota generally requires 30 CE credits every two years with at least 3 credits in ethics. Both the total-hour and ethics-hour components must be met for compliant renewal.

10How is South Dakota-specific content organized in the state licensing outline for life and health?

A.Only one combined state law section with no line distinctions

B.Common statutes/regs plus life-only statutes and health-only statutes

C.Only federal law and ethics are state-tested

D.A property-casualty section replaces health statutes

Explanation: The South Dakota outline separates common statutes and regulations from life-only and health-only legal content. That structure helps candidates target line-specific legal rules while still mastering shared requirements.

About the SD Life & Health Exam

South Dakota uses one combined Life, Accident and Health producer exam (InsSD_LAH45). The outline blends national life and health product knowledge with South Dakota statutes, rules, producer licensing law, and state-specific life and health requirements.

Questions

145 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

Scaled score of 70

Exam Fee

$95 (South Dakota Division of Insurance / Pearson VUE)

SD Life & Health Exam Content Outline

38.5%

Life General Knowledge

Life policy types, provisions/riders, underwriting and delivery, retirement concepts, and annuity fundamentals

38.5%

Health General Knowledge

Health policy types/provisions, social insurance, disability and LTC concepts, and field underwriting procedures

6.2%

South Dakota Common Insurance Law

Director authority, licensing, producer responsibilities, guaranty association basics, unfair practices, and fraud regulation

16.8%

South Dakota Life and Health Statutes

Life-only and health-only SD statutes and rules, including replacement, annuity best-interest, Med Supp, LTC, and ACA-related state topics

How to Pass the SD Life & Health Exam

What You Need to Know

Passing score: Scaled score of 70
Exam length: 145 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $95

Keys to Passing

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

SD Life & Health Study Tips from Top Performers

1Start with South Dakota law topics early because they are a dedicated scored section, not a small add-on

2Memorize exam mechanics: 145 total items, 150 minutes, scaled 70 pass standard, and $95 fee

3Use the 100/30 scored split to plan study time across life, health, and SD-specific law

4Practice unfair-practice and producer-conduct scenarios under SDCL Title 58 and ARSD citations from the official outline

5Drill Medicare supplement, LTC, and annuity suitability/best-interest questions because these appear repeatedly in state-specific sections

Frequently Asked Questions

Is South Dakota Life and Health one combined exam?

Yes. Pearson VUE lists South Dakota as one combined producer exam code (InsSD_LAH45) for life, accident, and health authority instead of two separate line exams.

How many questions and how much time are on InsSD_LAH45?

The candidate handbook lists 145 total questions and a 150-minute time limit. The content outline breaks this into 130 scored questions (100 general + 30 South Dakota-specific) plus 15 pretest questions.

What passing score is required in South Dakota?

South Dakota reports producer exam results using a scaled score. The passing standard in the handbook is a scaled 70.

Does South Dakota require pre-licensing education before the exam?

Current South Dakota licensing requirements indicate no pre-licensing education requirement. Candidates can schedule and sit for the exam without mandatory pre-license classroom hours.

What are South Dakota CE requirements after licensing?

South Dakota law requires producers to complete 30 continuing education credits every two years, including 3 ethics credits. CE compliance is required for timely renewal.

How quickly can I retake if I fail?

The South Dakota Pearson VUE handbook states candidates may retake after 24 hours, with a new exam fee for each attempt.