Life & Health Insurance Practice Test by State

It depends on the state. Many issue a combined life, accident and health license tested in one exam, while others license life and accident & health separately and test them separately. Your state's department of insurance names the exact license.

Yes. Variable life and variable annuities are securities as well as insurance, so selling them takes a securities registration through FINRA, such as the Series 6, on top of your state insurance license. A life and health license alone does not cover them.

State outlines typically cover Medicare supplement, long-term care, disability income and group health, along with federal rules such as HIPAA and the ACA. How deep each topic goes varies by state.

Most states hire an outside testing company, such as PSI, Pearson VUE or Prometric, to deliver the exam. Which one applies depends on your state, and your state's department of insurance links to the right scheduling site.

It depends on the state. Many states require a set number of pre-licensing education hours before you can register for the Life & Health exam, and some require none. Your state's department of insurance lists the requirement.

Retake rules are set by your state and its testing vendor. Expect to pay the exam fee again and, in some states, to wait a set number of days between attempts. The candidate handbook from your testing vendor has the exact rules.

Passing is one step. You then apply for the license itself through your state's department of insurance, usually online, with a background check and a fee. In some states the exam result is only valid for a limited window, so apply promptly.

It is typically a computer-based, multiple-choice test taken at a proctored testing center, and some states also allow remote proctoring. You usually see a score report when you finish.