Insurance
Life & Health InsuranceLife & Health Insurance Producer License
The Life & Health insurance producer license is the entry credential to sell life insurance, annuities, and health and disability coverage in a US state. Each state issues its own license, but roughly 75% of every exam is shared national (NAIC-model) content — policy types, provisions and riders, annuities, taxation, and Medicare — with a smaller state-law section on top. This national-core prep covers that portable majority; always confirm your own state's specifics.
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Exam facts
Everything you need to know about the Life & Health Insurance exam.
- Passing score
- 70% (California 60%; varies by state)
- Format & length
- ~130–150 questions · 2.5–3 hours (combined Life & Health; varies by state)
- Voucher cost
- $40–$70 exam fee (plus a state pre-licensing course)
- Prerequisites
- State pre-licensing education (commonly 20–40 hours; some states none)
- Validity
- 2-year license; about 24 CE hours per renewal
Exam facts sourced from the official NAIC (National Association of Insurance Commissioners) certification page. Last reviewed June 2026.
What’s tested
Key topics on the Life & Health Insurance exam.
The Cert Climb question bank is mapped to every domain on the official Life & Health Insurance exam blueprint, so what you study is what the test asks.
- Types of Life Policies
- Life Provisions, Riders & Options
- Life Application & Underwriting
- Life Insurance Taxation & Retirement
- Types of Health Policies
- Health Provisions & Renewability
- Medicare, Medicaid & Social Insurance
- Field Underwriting
- State Insurance Law
Who it’s for
Built for the people taking this exam.
Aspiring insurance agents, and financial advisors or property-and-casualty agents adding life, annuity, disability, long-term-care, and Medicare or health lines.
Why it matters in 2026
The career signal.
Over 100,000 candidates take the combined Life & Health exam each year. It is a low-barrier, high-upside entry to a commission-based career — no degree, a few weeks of study — and a first-time pass rate around 65% means solid practice pays off.
Sample question
What a Life & Health Insurance question looks like.
A policyholder buys coverage that keeps the same face amount and the same premium for a fixed 20-year span, after which the protection ends. Which type of policy is this?
See the answer & explanation
Correct: A. Level term life
Why: Level term keeps both the death benefit and the premium constant for a set period and provides no cash value; when the term expires the coverage stops.
What you get
Everything you need to actually pass.
Full question bank
70 questions covering every objective on the official Life & Health Insurance exam blueprint, with detailed explanations on every option — right and wrong.
Quiz modes
Timed exam simulation, missed-only review, topic drills, and a daily question of the day. Practice the way you study best.
Flashcards
Spaced-repetition flashcards generated from each topic. Pull them up on a phone in the gap between meetings.
Progress tracking
See per-topic accuracy and answered counts. Find weak areas before they cost you on test day.
Per-category premium
Unlocking Life & Health Insurance unlocks every other Insurance exam in the Cert Climb catalog — pay once, stack credentials.
No-fluff explanations
Every wrong answer comes with a 2-3 sentence explanation of why it’s wrong, not just “the correct answer is X.” Pattern recognition is the whole game.
Read while you study
Life & Health Insurance articles & study guides
Life & Health Insurance Exam Study Guide — Pass It in 2026
The Life & Health insurance exam is your license to sell — and about 75% of it is portable national content you can study once. Here's the structure, the content weights, the topics that fail people, and a realistic 2-3 week plan.
How Hard Is the Life & Health Insurance Exam in 2026?
The Life & Health insurance exam has a first-time pass rate around 62-65% — passable, but not a gimme. Here's an honest look at why people fail, the hardest topics, and how per-state rules change the difficulty.
FAQ
Frequently asked questions about Life & Health Insurance
What is the Life & Health Insurance exam?
The Life & Health insurance producer license is the entry credential to sell life insurance, annuities, and health and disability coverage in a US state. Each state issues its own license, but roughly 75% of every exam is shared national (NAIC-model) content — policy types, provisions and riders, annuities, taxation, and Medicare — with a smaller state-law section on top.
How many questions are on the Life & Health Insurance exam, and how long is it?
~130–150 questions · 2.5–3 hours (combined Life & Health; varies by state)
What is the passing score for the Life & Health Insurance exam?
70% (California 60%; varies by state)
How much does the Life & Health Insurance exam cost?
$40–$70 exam fee (plus a state pre-licensing course)
Are there prerequisites for the Life & Health Insurance exam?
State pre-licensing education (commonly 20–40 hours; some states none)
How long is the Life & Health Insurance certification valid?
2-year license; about 24 CE hours per renewal
How many questions does the Life & Health Insurance bank have?
70 questions, organized into 9 subject areas mapped to the official exam objectives.
Is the free trial really free?
Yes. 30 questions, no credit card, no email-trap, no “activate by Friday or pay” spam. You either upgrade because the bank’s good, or you don’t.
What does premium cost?
Premium is sold per category and unlocks every Insurance exam in the Cert Climb catalog. Plans are 1-month, 3-month, or 12-month — see the upgrade modal for current pricing.
How current is the Life & Health Insurance content?
We track exam version updates and refresh the bank within weeks of new objectives. Where the version of an exam matters (e.g. CompTIA SY0-701 vs. SY0-601), question explanations call it out.
Can I cancel my subscription anytime?
Yes. Cancellation is one click from your profile. Your access continues through the end of the period you’ve already paid for.
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