- By 2026, the demand for insurance agents is expected to have grown by 10%.
- minnesota, oregon and wyoming are the only states with a 75% or higher pass rate in life & health insurance exam.
- No formal education or experience is required to become a licensed life and health insurance agent. all that is required is a high school diploma or its equivalent.
- the questions you answered wrong
- the ones you had to guess, even if you got it right
- those that were difficult or slow to resolve
- keep practicing. keep taking practice tests regularly until you run out of practice tests or it’s time for the real test. your mind will be ready for the schedule and stress of test day, and you can focus on remembering the material you’ve learned.
click “start trial” below to take a free life & health insurance exam practice test!
what’s on the exam?
Exam content is different depending on the state in which you take the exam. this includes the number of questions, the time limit, the topics covered, and the general format of the exam.
You will typically be tested on topics including hmos (health maintenance organizations) and health insurance tax issues; annuities and tax issues of the annuity policy; life insurance plans and general knowledge on the subject; health insurance, dental coverage, medical plans; and more.
Some state tests contain 150 questions, while others only contain 50 questions. some states schedule their exams at 2.5 hours, while others set the time limit at 1.5 hours. check the details for your state to ensure you get the most accurate information for your exam.
no strict education requirements are needed to take life & health insurance exam, which means a high school diploma or its equivalent is fine. According to the Bureau of Labor Statistics, about a third of all agents have at least a bachelor’s degree.
While the day of the test will vary by state, there are some similarities between them.
You will need to present a government-issued photo ID. You may need to present your test confirmation to ensure you are taking it on the right day, at the right time, and at the right place. if there were pre-test requirements, you may be required to provide proof that you also successfully completed them.
In general, no electronic devices (cell phones, tablets, watches, etc.) are prohibited and should be kept locked in a secure area outside of the testing room. certain articles of clothing may also be prohibited. In short, it’s a good idea not to bring anything of value into the test center.
how to study for life & health insurance exam
how to study effectively
Your success on life and health insurance exam day depends not only on how many hours you put into preparation, but also on whether you prepared the right way. it’s good to check along the way to see if your study is paying off. One of the most effective ways to do this is by taking life and health insurance practice tests to assess your progress. practice tests are helpful because they show exactly where you need to improve. Every time you take the free practice test for the life and health insurance exam, pay special attention to these three sets of questions:
This will show you exactly what your weak areas are and where you need to spend more time studying. 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 gain speed and confidence? Dig deeper into those questions and find out how you can strengthen your weak areas as you go through the material.
Also, many life and health insurance practice tests have a section that explains answer options. it can be tempting to read the explanation and think that you now have a good understanding of the concept. however, an explanation is likely to only cover part of the larger context of the question. even if the explanation makes sense, go back and investigate each concept related to the question until you are sure you have a complete understanding.
understand each topic
As you proceed, keep in mind that the Life and Health Insurance practice exam is just that: practice. memorizing these questions and answers won’t be very helpful on the actual test because it’s unlikely you’ll have exactly the same questions. If you only know the correct answers to the sample questions, you won’t be prepared for the real questions. study the concepts until you fully understand them and then you will be able to answer any questions that appear on the exam.
strategy for life and health insurance practice
When you’re ready to start taking practice tests, follow this strategy:
frequently asked questions
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See also: How To Submit An Insurance Claim