\nLife & Health Study Guide<\/a>
\nLife & Health Flashcards<\/a>\n<\/div>\n
<\/span>Life & Health Cheat Sheet<\/h2>\n<\/div>\n<\/span>What’s on the Life & Health Insurance Exam?<\/h2>\nThe 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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
<\/span>Education Requirements<\/h2>\nYou generally don\u2019t need a college degree to become an insurance agent, but you may need to complete an approved prelicensing course. Requirements vary by state and license type, and some applicants qualify for exemptions. Check your state insurance department\u2019s requirements before registering for the exam.<\/p>\n
<\/span>Top 5 Challenging Life & Health Questions<\/h2>\nNow that you know more about the exam, try your hand at some targeted practice!<\/p>\n
Over the last year, we’ve compiled the data from about 10,000 test-takers who tried their hand at the practice test at the top of this page. According to the data, around 65% of people answered these five questions incorrectly.<\/p>\n
Answer each question and read through the answer explanation, whether you got the answer right or wrong. This will help you ensure you’ve got the topic mastered.<\/p>\n
Whether you struggled with these questions or aced them on your first try, be sure to take the full practice test<\/a> to get a better idea of how prepared you really are!<\/p>\n\r\n\r\n![\"\"](\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2026\/08\/Trophy.svg\")
\r\n \r\n Hardest Question<\/div>\r\n Only 38% answered correctly<\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n 1. Barbara carries a universal life policy, but she\u2019s having difficulty making her payments. How can she reduce her premiums paid while keeping the policy in force?<\/p>\r\n\r\n
<\/span>What’s on the Life & Health Insurance Exam?<\/h2>\nThe 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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
<\/span>Education Requirements<\/h2>\nYou generally don\u2019t need a college degree to become an insurance agent, but you may need to complete an approved prelicensing course. Requirements vary by state and license type, and some applicants qualify for exemptions. Check your state insurance department\u2019s requirements before registering for the exam.<\/p>\n
<\/span>Top 5 Challenging Life & Health Questions<\/h2>\nNow that you know more about the exam, try your hand at some targeted practice!<\/p>\n
Over the last year, we’ve compiled the data from about 10,000 test-takers who tried their hand at the practice test at the top of this page. According to the data, around 65% of people answered these five questions incorrectly.<\/p>\n
Answer each question and read through the answer explanation, whether you got the answer right or wrong. This will help you ensure you’ve got the topic mastered.<\/p>\n
Whether you struggled with these questions or aced them on your first try, be sure to take the full practice test<\/a> to get a better idea of how prepared you really are!<\/p>\n\r\n\r\n\r\n \r\n Hardest Question<\/div>\r\n Only 38% answered correctly<\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n 1. Barbara carries a universal life policy, but she\u2019s having difficulty making her payments. How can she reduce her premiums paid while keeping the policy in force?<\/p>\r\n\r\n
You generally don\u2019t need a college degree to become an insurance agent, but you may need to complete an approved prelicensing course. Requirements vary by state and license type, and some applicants qualify for exemptions. Check your state insurance department\u2019s requirements before registering for the exam.<\/p>\n
<\/span>Top 5 Challenging Life & Health Questions<\/h2>\nNow that you know more about the exam, try your hand at some targeted practice!<\/p>\n
Over the last year, we’ve compiled the data from about 10,000 test-takers who tried their hand at the practice test at the top of this page. According to the data, around 65% of people answered these five questions incorrectly.<\/p>\n
Answer each question and read through the answer explanation, whether you got the answer right or wrong. This will help you ensure you’ve got the topic mastered.<\/p>\n
Whether you struggled with these questions or aced them on your first try, be sure to take the full practice test<\/a> to get a better idea of how prepared you really are!<\/p>\n\r\n\r\n\r\n \r\n Hardest Question<\/div>\r\n Only 38% answered correctly<\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n 1. Barbara carries a universal life policy, but she\u2019s having difficulty making her payments. How can she reduce her premiums paid while keeping the policy in force?<\/p>\r\n\r\n
\r\n 1. Barbara carries a universal life policy, but she\u2019s having difficulty making her payments. How can she reduce her premiums paid while keeping the policy in force?<\/p>\r\n\r\n