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Free ID Life & Health Exam Prep

Idaho Life & Health Insurance

Pass your ID Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
Updated January 2026
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Idaho Life & Health Insurance

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Your Study Path

Idaho Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Master Idaho Producer Law FirstYou are here

Begin with Idaho common all-lines producer law because it appears in both Life and A&H state sections and drives many compliance scenarios.

22
hours
2

Build Life and Annuity Accuracy

Drill life product structures, policy provisions, beneficiary/ownership rules, replacement, and annuity suitability concepts tied to Idaho references.

22
hours
Start this step
3

Build Health and Senior-Market Fluency

Practice disability, medical expense, Medicare supplement, and long-term care scenarios, including Idaho state-law disclosure and training obligations.

24
hours
4

Run Two Timed 120-Minute Simulations

Train for separate Life and A&H sittings, then remediate misses by Idaho law domain and line-specific statute themes.

18
hours
Estimated total study time
86 hours
That's about 9 weeks at 10 hours/week

Can You Take the ID Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old for resident producer licensure
Education
No prelicensing education requirement is listed by Idaho DOI before exam scheduling
Background Check
Resident producer licensing includes background review with fingerprint submission
Fingerprinting
Resident fingerprint processing fee is listed at $61.25
Additional Requirements
  • •Life and Accident & Health are separate exam lines in Idaho
  • •Current Pearson series codes include InsID-Life0001 and InsID-AH0002
  • •Retakes require a 24-hour wait and a new exam fee
  • •Resident producer application fee is listed as $80
  • •Resident producers complete 24 CE hours every 2 years including 3 ethics hours
  • •License renewal still requires filing through NIPR (CE completion alone does not auto-renew)

ID Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

Pearson VUE

Schedule Your Exam

Retake Policy

Candidates who do not pass must wait at least 24 hours before scheduling another attempt and must pay a new exam fee.

Total Cost Breakdown

Exam Fee$65 per exam line
Application Fee$80 resident producer application
Fingerprint Fee$61.25 resident fingerprint processing
Total Estimated Cost$271.25+ before transaction/vendor fees
Why Choose Us

Free ID Life & Health Prep That Actually Works

The official pass rate is Not publicly reported by Idaho DOI / Pearson VUE. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

5 chapters covering everything you need to pass

1

Introduction: Idaho Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Idaho Insurance Regulation & Licensing

3 sections

3

Chapter 2: Idaho Life Insurance Laws

3 sections

4

Chapter 3: Idaho Health Insurance Laws

3 sections

5

Chapter 4: Idaho Insurance Ethics & Prohibited Practices

3 sections

ID Life & Health-Specific Topics Covered

Idaho Title 41 producer law and Department of Insurance authoritySeparate Life and Accident & Health resident exam structureNo state pre-approval requirement before exam schedulingIdaho licensing fees and fingerprinting workflowResident CE requirement: 24 hours per 2 years with 3 ethicsAnnuity best-interest training requirement and carrier-tracking expectationsLong-term care initial and ongoing producer training standards2026 Idaho exchange producer branding/disclaimer restrictions for QHP assistance

ID Life & Health Exam Details

Idaho Life & Health Insurance

Administered by Idaho Department of Insurance (IDOI) / Pearson VUE

Official Source
70% on each exam line
Passing Score
86
Questions
120
Minutes
$65 per exam line ($130 for both), plus resident licensing and fingerprint fees
Exam Fee
Study time: 60-100 hours for both lines
Prerequisites: No state pre-approval required before testing; pass required line exam(s), complete fingerprint/background workflow, and apply for resident producer licensure

Exam Content Breakdown

Based on the official Idaho Department of Insurance (IDOI) / Pearson VUE content outline

Life Exam General Section50 of 75 scored (66.7%)

Life and annuity products, policy provisions/riders/options, underwriting and delivery, and retirement/tax concepts

Life Exam Idaho State Section25 of 75 scored (33.3%)

Idaho producer law: 12 common all-lines + 3 common life/health + 10 life-specific statutes/rules

A&H Exam General Section50 of 75 scored (66.7%)

Health/disability policy types, provisions/clauses/riders, social insurance, and field underwriting procedures

A&H Exam Idaho State Section25 of 75 scored (33.3%)

Idaho producer law: 12 common all-lines + 3 common life/health + 10 health-specific statutes/rules

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the ID Life & Health?

After passing the ID Life & Health, you can pursue these career paths

Life & Health

Build national life and health fundamentals

ID Property & Casualty

Add Idaho property and casualty authority

NMLS

Expand into mortgage licensing workflow

ID Life & Health Exam FAQ

Official Idaho Department of Insurance (IDOI) / Pearson VUE Resources

Verify information with these official sources

Idaho DOI Producer Individual LicensingIdaho DOI Testing and FingerprintsPearson VUE Idaho Insurance ProgramIdaho Insurance Candidate Handbook (121300, updated Aug 2025)Idaho Insurance Content Outlines (121301, effective Jul 31, 2025)Idaho DOI Licensing FeesIdaho DOI Producer CE Requirements2026 Idaho ACA HBP/QDP Standards (Producer Oversight)

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