Your Guide to the Life & Health Insurance Exam

If you’ve learned what a life insurance agent does and are now considering a career in life and health insurance, you’re probably wondering, “Is the life insurance exam difficult? life and health insurance?” Each state has its own insurance exams, so the tests and requirements vary, making this question more complicated to answer. However, the general topics covered on the exam, as well like passing scores, they are similar for all states.If you have a good understanding of the topics and how the exam works, you are well on your way to passing the life and health insurance exam. p>

For the health and life insurance exams, you will be tested on the following general topics:

  • general knowledge about life insurance
  • life insurance policies
  • Additional Clauses and Life Insurance Coverage Options
  • life insurance tax issues
  • annuities
  • annuity policy tax issues
  • general knowledge about health insurance
  • individual and group dental policies
  • medical plans
  • disability income
  • individual insurance for special needs
  • health maintenance organizations (hmos)
  • health insurance tax issues
  • You will want to print the state test summary to understand what material will be covered in each of these topics and how it will be weighted on the test. the state test outline tells you how many questions are included in each section of the test. We recommend that you focus more study time on the sections that have more exam questions.

    Reading: How hard is the life and health insurance exam

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    pass rates and recommended study time

    As far as we know, insurance exam pass rates fluctuate considerably by state. Some states publish their passing rates while others do not, making it impossible to provide an accurate national passing rate for any exam. however, the passing score for all exams is 70%, and the use of exam study tools can help you assess whether or not you are on target to pass on the first try.

    See also: Auto Death Indemnity Coverage |

    The average test taker should expect to spend 35-40 hours studying to pass the life and health insurance exam. It is recommended that you complete your studies over the course of a few weeks (an insurance certification study package can help with this), rather than trying to cram the week or night before the exam. We recommend spending 2-3 days studying after your licensing course to keep the information fresh in your mind.

    study tips

    When you study, try to eliminate distractions around you. it can be easy to get distracted by the phone, the TV, or the internet. In order for your brain to absorb new information, it’s important that you do your best to avoid multitasking and focus on what you’re studying. You may find that setting up a study schedule over a period of a few weeks will help you create time where you can focus solely on preparing for the test.

    Once you have a good handle on the material, be sure to use practice tests. these will help you gauge how well you have assimilated the information in your studies and what areas you still need to work on. it is a good idea to take at least one practice exam while mimicking the exam conditions. this will help you determine if you are pacing yourself correctly to complete the exam in the allotted time.

    See also: What to Know About Funding a Buy-Sell Agreement | Northwestern Mutual

    The health and life insurance exam can be challenging; however, you can pass with flying colors on your first try by following our recommendations. Now that you have a better understanding of the life and health insurance exam and how you can successfully prepare for it, watch this video by Julie Ramsey and Mary Orn of Kaplan with more tips for studying for the insurance exam .


    Make sure you’re prepared for the life and medical insurance licensing exam with kaplan’s insurance licensing exam preparation solutions. we have study options to suit all learning styles. start today.

    See also: How to Counter-Offer an Insurance Settlement | FVF

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