Free KS Life & Health Exam Prep
Kansas Life and Accident & Health Producer (12-KS-05)
Prepare for the KS Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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Kansas Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Memorize Kansas Exam Logistics
Start with exam structure: 154 delivered questions, 150-minute limit, 70% passing score, and $64 fee so pacing and expectations are accurate.
Build National Life and Health CoreYou are here
Focus on life products, annuities, health policy structures, social insurance, and policy provisions because national content is the largest scored share.
Master Kansas Producer Law and Compliance
Drill KID authority, licensing/maintenance rules, unfair practices, and Kansas common-law topics that drive the largest state-law section.
Finish with Kansas Line-Specific Law
Run targeted practice for Kansas life replacement/annuity standards and Kansas health topics like Med Supp, LTC, continuation, and ACA-tested concepts.
Can You Take the KS Life & Health Exam?
Check if you meet the basic eligibility requirements
- •Pass exam 12-KS-05 with at least a 70% score
- •Submit Kansas tax clearance for resident licensing workflow
- •Exam scores are valid for 2 years
- •After licensure, complete 18 CE hours every 2 years including 3 ethics hours
- •Report address/contact changes within 30 days
KS Life & Health Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Kansas candidate materials require at least a 7-day wait after a failed attempt; each retake requires a new reservation and exam fee.
Total Cost Breakdown
Free KS Life & Health Prep Tools
Reported exam pass rate: Not publicly reported by KID/Pearson VUE. Check the exam sponsor for the latest official figure.
630+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
24 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Kansas Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: Kansas Insurance Regulation & Licensing
3 sections
Chapter 2: Kansas Life Insurance Laws
3 sections
Chapter 3: Kansas Health Insurance Laws
3 sections
Chapter 4: Kansas Insurance Ethics & Prohibited Practices
3 sections
KS Life & Health-Specific Topics Covered
KS Life & Health Exam Details
Kansas Life and Accident & Health Producer (12-KS-05)
Administered by Kansas Insurance Department (KID) / Pearson VUE
Exam Content Breakdown
Based on the official Kansas Insurance Department (KID) / Pearson VUE content outline
Life products and provisions, annuities, health policy structures, social insurance, underwriting, retirement/tax concepts, and field procedures
KID authority, producer licensing and maintenance, unfair practices, and Kansas Life and Health Insurance Guaranty Association framework
Life replacement, policy rights/provisions, beneficiary protections, viaticals, and annuity suitability/provisions
Individual/group health provisions, Medicare supplement, long-term care, continuation/COB, blanket insurance, and ACA-tested areas
What's Included
24 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
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.
What's Next After the KS Life & Health?
After passing the KS Life & Health, you can pursue these career paths
KS Life & Health Exam FAQ
Official Kansas Insurance Department (KID) / Pearson VUE Resources
Verify information with these official sources
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