{"id":20867,"date":"2016-02-04T16:38:08","date_gmt":"2016-02-04T16:38:08","guid":{"rendered":"http:\/\/www.mometrix.com\/academy?page_id=20867"},"modified":"2026-03-14T14:03:55","modified_gmt":"2026-03-14T19:03:55","slug":"life-health-practice-test","status":"publish","type":"page","link":"https:\/\/www.mometrix.com\/academy\/life-health-practice-test\/","title":{"rendered":"Life &amp; Health Insurance Practice Exam"},"content":{"rendered":"<p>If you are pursuing a license as a life and health insurance agent, you will need to take and pass your state&#8217;s Life &amp; Health Insurance exam.<\/p>\n<p>Click \u201cStart Test\u201d above to take a free Life &amp; Health Insurance Exam practice exam!<\/p>\n<div class=\"buttonlinks\">\n<a href=\"https:\/\/www.mometrix.com\/university\/lifehealth\/\" class=\"class_names\" style=\"color:black;\" onclick=\"_paq.push(['trackEvent', 'Course Button', 'Course Click', LifeHealth Course Click']);\">Life &amp; Health Online&nbsp;Course<\/a><br \/>\n<a href=\"https:\/\/www.mometrix.com\/academy\/life-health-study-guide\/\" class=\"class_names\" style=\"color:black;\" onclick=\"_paq.push(['trackEvent', 'Guide Button', 'Guide Click', 'LifeHealth Guide Click']);\">Life &amp; Health<br \/>Study Guide<\/a><br \/>\n<a href=\"https:\/\/www.flashcardsecrets.com\/lifehealth\/\" class=\"class_names\" style=\"color:black;\" onclick=\"_paq.push(['trackEvent', 'Flashcard Button', 'Flashcard Button Click', 'LifeHealth Flashcard Click']);\">Life &amp; Health<br \/>Flashcards<\/a>\n<\/div>\n<h2 class=\"pt-page\"><span id=\"Life_Health_Cheat_Sheet\" class=\"m-toc-anchor\"><\/span>Life &#038; Health Cheat Sheet<\/h2>\n<div class=\"klaviyo-form-XBvfPj\"><\/div>\n<h2 class=\"pt-page\"><span id=\"What&#039;s_on_the_Life_Health_Insurance_Exam\" class=\"m-toc-anchor\"><\/span>What&#8217;s on the Life &#038; Health Insurance Exam?<\/h2>\n<p>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.<\/p>\n<p>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<p>Some states&#8217; 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<h2 class=\"pt-page\"><span id=\"Education_Requirements\" class=\"m-toc-anchor\"><\/span>Education Requirements<\/h2>\n<p>There are no strict education requirements needed in order to take the Life &amp; 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&#8217;s degree.<\/p>\n\n\t\t\t<div class=\"sg-box\">\n\t\t\t\t<div class=\"sg-box-text\">\n\t\t\t\t\t<p class=\"sg-box-title\">Check out Mometrix's Life & Health Study Guide<\/p>\n\t\t\t\t\t<p>Get practice questions, video tutorials, and detailed study lessons<\/p>\n\t\t\t\t\t<a class=\"sg-box-button\" href=\"https:\/\/www.mometrix.com\/academy\/life-health-study-guide\/\" target=\"_blank\" rel=\"noopener\">Get Your Study Guide<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<a href=\"https:\/\/www.mometrix.com\/academy\/life-health-study-guide\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"184\" height=\"238\" src=\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2023\/12\/lifehealth.jpg\" alt=\" Study Guide\">\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n<h2 id=\"LifeHealthCourse\" class=\"pt-page\"><span id=\"Life_Health_Online_Prep_Course\" class=\"m-toc-anchor\"><\/span>Life &#038; Health Online Prep Course<\/h2>\n<p>If you want to be fully prepared, Mometrix offers an <strong>online Life &amp; Health prep course<\/strong> designed to give you everything you need to succeed!<\/p>\n<p>Here&#8217;s what you&#8217;ll find in the Life &amp; Health course:<\/p>\n<div class=\"mocblurb\">\n<ul>\n<li class=\"moclessons\"><\/li>\n<li class=\"mocpqs\"><\/li>\n<li class=\"mocflash\"><\/li>\n<li class=\"mocmoney\"><\/li>\n<li class=\"mocmobile\"><\/li>\n<\/ul>\n<\/div>\n<p>Everyone learns differently, so we&#8217;ve tailored the Life &amp; Health online prep course to ensure every learner has what they need to prepare for the Life &amp; Health exam.<\/p>\n<p>Click below to check it out!<\/p>\n<div style=\"text-align: center;\"><a href=\"https:\/\/www.mometrix.com\/university\/lifehealth\/?utm_source=academy&amp;utm_medium=button&amp;utm_campaign=academy-mu-ads&amp;utm_content=lifehealth\" class=\"class_names\" style=\"color:black;\" onclick=\"_paq.push(['trackEvent', 'Course Button', 'Course Click', 'LifeHealth Course Click']);\"><button class=\"buttontranscript\">Start your Life &amp; Health Online Course<\/button><\/a><\/div>\n<h2 class=\"pt-page\"><span id=\"Test_Day\" class=\"m-toc-anchor\"><\/span>Test Day<\/h2>\n<p>While the day of the test will vary by state, there are some similarities among them.<\/p>\n<p>You\u2019ll need to present a government-issued photo ID. You may be required to present your test confirmation to ensure you\u2019re 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.<\/p>\n<p>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\u2019s a good idea not to bring anything of value to the testing center.<\/p>\n<a href=\"https:\/\/www.mometrix.com\/university\/lifehealth\/\" class=\"mobile-ad\" style=\"color:black;\" onclick=\"_paq.push(['trackEvent', 'Mobile Ad', 'Mobile Click', LifeHealth Mobile Click']);\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2024\/04\/life-and-health-mobile-ad-661edf405c779.webp\" alt=\"20% off coupon for the Life &amp; Health online course.\" width=\"353\" height=\"354\" \/><\/a>\n<h2 class=\"pt-page\"><span id=\"How_to_Study_for_the_Exam\" class=\"m-toc-anchor\"><\/span>How to Study for the Exam<\/h2>\n<h3><span id=\"How_to_Study_Effectively\" class=\"m-toc-anchor\"><\/span>How to Study Effectively<\/h3>\n<p>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\u2019s 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:<\/p>\n<ul>\n<li>The questions you got wrong<\/li>\n<li>The ones you had to guess on, even if you guessed right<\/li>\n<li>The ones you found difficult or slow to work through<\/li>\n<\/ul>\n<p>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\u2019t understand the material? Was it because you didn\u2019t 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.<\/p>\n<h3><span id=\"Answer_Explanations\" class=\"m-toc-anchor\"><\/span>Answer Explanations<\/h3>\n<p>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\u2019s broader context. Even if the explanation makes sense, go back and investigate every concept related to the question until you\u2019re positive you have a thorough understanding.<\/p>\n<h3><span id=\"Comprehend_Each_Topic\" class=\"m-toc-anchor\"><\/span>Comprehend Each Topic<\/h3>\n<p>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\u2019t be prepared for the real thing. Study the concepts until you understand them fully, and then you\u2019ll be able to answer any question that shows up on the test.<\/p>\n<h3><span id=\"Strategy_for_Life_and_Health_Insurance_Practice\" class=\"m-toc-anchor\"><\/span>Strategy for Life and Health Insurance Practice<\/h3>\n<p>When you\u2019re ready to start taking practice tests, follow this strategy:<\/p>\n<ul>\n<li style=\"margin-bottom: 10px;\"><strong>Remove Limitations.<\/strong> 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\u2019ve learned.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Time Yourself.<\/strong> Take the second practice test \u201copen book\u201d as well, but set a timer and practice pacing yourself to finish in time.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Simulate Test Day.<\/strong> 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.<\/li>\n<li><strong>Keep Practicing.<\/strong> Keep taking practice tests on a regular basis until you run out of practice tests or it\u2019s time for the actual test. Your mind will be ready for the schedule and stress of test day, and you\u2019ll be able to focus on recalling the material you\u2019ve learned.<\/li>\n<\/ul>\n\n\t\t\t<div class=\"sg-box\">\n\t\t\t\t<div class=\"sg-box-text\">\n\t\t\t\t\t<p class=\"sg-box-title\"> Check out Mometrix's Life & Health Flashcards<\/p>\n\t\t\t\t\t<p>Get complex  subjects broken down into easily understandable concepts<\/p>\n\t\t\t\t\t<a class=\"sg-box-button blue-button\" href=\"https:\/\/www.flashcardsecrets.com\/lifehealth\/\" target=\"_blank\" rel=\"noopener\">Get Your Flashcards<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<a href=\"https:\/\/www.flashcardsecrets.com\/lifehealth\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"577\" height=\"336\" src=\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2023\/02\/image-removebg-preview-3.png\" alt=\" Flashcards\">\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n<h2 class=\"pt-page\"><span id=\"FAQs\" class=\"m-toc-anchor\"><\/span>FAQs<\/h2>\n<p><div class=\"faq-list\">\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">Are all Life and Health Insurance exams the same?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>No, tests vary by state. It\u2019s important to check the regulations in your area.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">What type of skills do I need?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>Since insurance agents determine the needs of their clients, excellent analytical skills are a big plus. Insurance agents regularly talk with clients, you\u2019ll need to be a very skilled communicator. You need to be self-confident and be willing to take the initiative since you\u2019ll be seeking out new clients.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">What does the application process for the test entail?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>In general, you\u2019ll 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.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">How many questions are on the test?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>The number of questions on the test, the format, and the length of time it takes all vary by state.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">What does it cost to take the test?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>Fees vary by state, so please check in your area.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">When will I know if I passed?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>Depending on the state, you could know as soon as the test is over.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"qa_wrap\">\n<div class=\"q_item text_bold\">\n<h4 class=\"letter\">Q<\/h4>\n<p style=\"line-height: unset;\">Are insurance agents in demand?<\/p>\n<\/p><\/div>\n<div class=\"a_item\">\n<h4 class=\"letter text_bold\">A<\/h4>\n<p>The demand for insurance agents is expected to grow by 10% by 2026.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<br \/>\n<div itemscope=\"\" itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\" class=\"author-bio\"><img loading=\"lazy\" decoding=\"async\" itemprop=\"image\" class=\"author-image\" height=\"127\" width=\"127\" alt=\"Headshot of Mometrix associate Peter Rench.\" src=\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2024\/01\/Peter-Rench-scaled.webp\"><div class=\"author-text\"><p class=\"author-name\">By <span itemprop=\"name\">Peter Rench<\/span><\/p><div class=\"author-desc\"><p>Peter Rench joined Mometrix in 2009 and serves as Vice President of Product Development, responsible for overseeing all new product development and quality improvements. Mr. Rench, a National Merit Scholar, graduated magna cum laude with a Bachelor of Science in Mechanical Engineering and a minor in mathematics from Texas A&amp;M University.<\/p>\n<\/div><\/div><\/div><div itemscope=\"\" itemprop=\"editor\" itemtype=\"http:\/\/schema.org\/Person\" class=\"author-bio\"><img loading=\"lazy\" decoding=\"async\" itemprop=\"image\" class=\"author-image\" height=\"127\" width=\"127\" alt=\"Aaron Lanni profile pic\" src=\"https:\/\/www.mometrix.com\/academy\/wp-content\/uploads\/2024\/12\/image_2024-12-11_124906662.png\"><div class=\"author-text\"><p class=\"author-name\">Edited by <span itemprop=\"name\">Aaron Lanni<\/span><\/p><div class=\"author-desc\"><p>Aaron is the content manager and lead editor for Mometrix Academy. He regularly produces, updates, proofreads, and edits content to ensure it meets Mometrix\u2019s quality and accessibility standards.<\/p>\n<\/div><p class=\"alignright author-desc author-link\"><a class=\"ylist\" href=\"https:\/\/www.mometrix.com\/academy\/editorial-guidelines\/\">Learn more about our editorial guidelines<\/a> \u2192<\/p><\/div><\/div><\/p>\n<div class=\"home-buttons\">\n<p><a href=\"https:\/\/www.mometrix.com\/academy\/\">Mometrix Academy &#8211; Home<\/a><\/p>\n<\/div>\n<p class=\"disclaimer\">Mometrix Test Preparation is not affiliated with or endorsed by any official testing organization. All organizational and test names are trademarks of their respective owners.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are pursuing a license as a life and health insurance agent, you will need to take and pass your state&#8217;s Life &amp; Health Insurance exam. Click \u201cStart Test\u201d above to take a free Life &amp; Health Insurance Exam practice exam! Life &#038; Health Cheat Sheet What&#8217;s on the Life &#038; Health Insurance Exam? &#8230; <a title=\"Life &amp; Health Insurance Practice Exam\" class=\"read-more\" href=\"https:\/\/www.mometrix.com\/academy\/life-health-practice-test\/\" aria-label=\"Read more about Life &amp; Health Insurance Practice Exam\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":201806,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":{"0":"post-20867","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"page_category-finance-insurance-and-real-estate","7":"page_category-life-and-health-pages","8":"page_type-exam-overview","9":"page_domain-life-health-insurance"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/pages\/20867","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/comments?post=20867"}],"version-history":[{"count":10,"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/pages\/20867\/revisions"}],"predecessor-version":[{"id":282932,"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/pages\/20867\/revisions\/282932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/media\/201806"}],"wp:attachment":[{"href":"https:\/\/www.mometrix.com\/academy\/wp-json\/wp\/v2\/media?parent=20867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}