Free SD L&H Exam Prep
South Dakota Life & Health Insurance
Prepare for the SD L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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South Dakota Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Master the 100/30 Scored BlueprintYou are here
Plan study blocks around 100 scored general questions and 30 scored South Dakota law questions so you prepare in the same proportions used on the official exam.
Build Life and Annuity Depth
Drill life policy provisions, beneficiaries, nonforfeiture, replacements, and annuity suitability/best-interest scenarios.
Master Health, Med Supp, and LTC Rules
Focus on health policy clauses, social insurance, Medicare supplement standards, long-term care requirements, and ACA-related state-law topics.
Practice Timed 150-Minute Simulations
Run full mixed sets under a 150-minute limit and review misses by statute/rule category as well as product topic.
Can You Take the SD L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass the South Dakota Life, Accident and Health Producer exam (InsSD_LAH45)
- •Submit the resident producer application through NIPR after passing
- •Pay the resident producer application fee ($25 under SDCL 58-30-42)
- •Maintain licensure by renewing every two years (last day of birth month) with 10 CE hours for a Life/Health-only producer (20 hours if also holding Property & Casualty)
SD L&H Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Candidates who do not pass may retake after 24 hours; each attempt requires a new exam fee.
Total Cost Breakdown
Free SD L&H Prep Tools
Reported exam pass rate: Not publicly reported by South Dakota DOI / Pearson VUE. Check the exam sponsor for the latest official figure.
625+ 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: South Dakota Life & Health Insurance Exam Overview
1 sections
National Portion: Principles of Insurance
4 sections
National Portion: Insurance Contracts & the Marketplace
4 sections
National Portion: Life Insurance Basics & Term
3 sections
National Portion: Whole Life & Universal Life
4 sections
National Portion: Variable & Specialized Life Products
4 sections
National Portion: Life Insurance Policy Provisions
4 sections
National Portion: Policy Options, Riders, Dividends & Nonforfeiture
4 sections
National Portion: Underwriting, Policy Delivery & Group Life
3 sections
National Portion: Annuity Fundamentals & Types
4 sections
National Portion: Annuity Payouts & Taxation of Life/Annuities
3 sections
National Portion: Qualified Retirement Plans
3 sections
National Portion: Health Insurance Basics & Medical Expense
4 sections
National Portion: Health Policy Provisions & Group Health
3 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Long-Term Care & Other Health Products
3 sections
National Portion: Medicare & Medicare Supplements
3 sections
National Portion: Medicaid, ACA & Health Insurance Taxation
3 sections
National Portion: Insurance Regulation, Licensing & Ethics
4 sections
Chapter 1: South Dakota Insurance Regulation & Licensing
3 sections
Chapter 2: South Dakota Life Insurance Laws
3 sections
Chapter 3: South Dakota Health Insurance Laws
3 sections
Chapter 4: South Dakota Insurance Ethics & Prohibited Practices
3 sections
SD L&H-Specific Topics Covered
SD L&H Exam Details
South Dakota Life & Health Insurance
Administered by South Dakota Division of Insurance / Pearson VUE
Exam Content Breakdown
Based on the official South Dakota Division of Insurance / Pearson VUE content outline
Life policy types, provisions/riders/options, underwriting and delivery, retirement concepts, and annuity fundamentals
Health policy types/provisions, social insurance, disability and LTC concepts, and field underwriting procedures
Director authority, licensing, producer responsibilities, unfair practices, guaranty association basics, and fraud regulation
Life-specific statutes and rules including replacement, group life provisions, and annuity best-interest standards
Health-specific statutes and rules including Med Supp, LTC, ACA/market standards, and state-mandated requirements
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 SD L&H?
After passing the SD L&H, you can pursue these career paths
SD L&H Exam FAQ
Official South Dakota Division of Insurance / Pearson VUE Resources
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