If you are pursuing a license as a life and health insurance agent, you will need to take and pass your state’s Life & Health Insurance exam.
Click “Start Test” above to take a free Life & Health Insurance Exam practice exam!
What’s on the Life & Health Insurance Exam?
The contents of the exam are different depending on the state you take the test in. This includes the number of questions, the time limit, the topics covered, and the overall exam format.
Generally, you will be tested in topics that include HMOs (health maintenance organizations), and health insurance tax issues; annuities and annuity policy tax issues; life insurance plans and general knowledge about the subject; health insurance, dental coverage, medical plans; and more.
Some states’ tests contain 150 questions, while others only contain 50 questions. Some states time their exams at 2.5 hours, while others set the time limit at 1.5 hours. Please check the details of your state to ensure you get the most accurate information for your exam.
There are no strict education requirements needed in order to take the Life & Health Insurance exam, which means a high school diploma or its equivalent is fine. According to the Bureau of Labor Statistics, about one-third of all agents have at least a bachelor’s degree.
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While the day of the test will vary by state, there are some similarities among them.
You’ll need to present a government-issued photo ID. You may be required to present your test confirmation to ensure you’re taking it on the right day and at the right time and location. If there were pre-test requirements, you may be asked to provide proof that you successfully completed them as well.
In general, no electronics (cell phones, tablets, watches, etc.) are prohibited and will have to be locked in a secure area outside the test room. Certain articles of clothing may also be prohibited. In short, it’s a good idea not to bring anything of value to the testing center.
How to Study for the Exam
How to Study Effectively
Your success on Life and Health Insurance test day depends not only on how many hours you put into preparing but also on whether you prepared the right way. It’s good to check along the way to see whether your studying is paying off. One of the most effective ways to do this is by taking Life and Health Insurance practice tests to evaluate your progress. Practice tests are useful because they show exactly where you need to improve. Every time you take a free Life and Health Insurance exam practice test, pay special attention to these three groups of questions:
- The questions you got wrong
- The ones you had to guess on, even if you guessed right
- The ones you found difficult or slow to work through
This will show you exactly what your weak areas are and where you need to devote more study time. Ask yourself why each of these questions gave you trouble. Was it because you didn’t understand the material? Was it because you didn’t remember the vocabulary? Do you need more repetitions on this type of question to build speed and confidence? Dig into those questions and figure out how you can strengthen your weak areas as you go back to review the material.
Additionally, many Life and Health Insurance practice tests have a section explaining the answer choices. It can be tempting to read the explanation and think that you now have a good understanding of the concept. However, an explanation likely only covers part of the question’s broader context. Even if the explanation makes sense, go back and investigate every concept related to the question until you’re positive you have a thorough understanding.
Comprehend Each Topic
As you go along, keep in mind that the Life and Health Insurance practice test is just that: practice. Memorizing these questions and answers will not be very helpful on the actual test because it is unlikely to have any of the same exact questions. If you only know the right answers to the sample questions, you won’t be prepared for the real thing. Study the concepts until you understand them fully, and then you’ll be able to answer any question that shows up on the test.
Strategy for Life and Health Insurance Practice
When you’re ready to start taking practice tests, follow this strategy:
- Remove Limitations. Take the first test with no time constraints and with your notes and Life and Health Insurance study guide handy. Take your time and focus on applying the strategies you’ve learned.
- Time Yourself. Take the second practice test “open book” as well, but set a timer and practice pacing yourself to finish in time.
- Simulate Test Day. Take any other practice tests as if it were test day. Set a timer and put away your study materials. Sit at a table or desk in a quiet room, imagine yourself at the testing center, and answer questions as quickly and accurately as possible.
- Keep Practicing. Keep taking practice tests on a regular basis until you run out of practice tests or it’s time for the actual test. Your mind will be ready for the schedule and stress of test day, and you’ll be able to focus on recalling the material you’ve learned.
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Are all Life and Health Insurance exams the same?
No, tests vary by state. It’s important to check the regulations in your area.
What type of skills do I need?
Since insurance agents determine the needs of their clients, excellent analytical skills are a big plus. Insurance agents regularly talk with clients, you’ll need to be a very skilled communicator. You need to be self-confident and be willing to take the initiative since you’ll be seeking out new clients.
What does the application process for the test entail?
In general, you’ll have to provide background information, like employment history, and personal information, such as a picture ID. Some states have other requirements, such as requiring a background and fingerprint check.
How many questions are on the test?
The number of questions on the test, the format, and the length of time it takes all vary by state.
What does it cost to take the test?
Fees vary by state, so please check in your area.
When will I know if I passed?
Depending on the state, you could know as soon as the test is over.
Are insurance agents in demand?
The demand for insurance agents is expected to grow by 10% by 2026.