Insurance license practice test: free life and health exam questions

Practise for a US life and health insurance producer (agent) license exam with original questions on the general concepts every state tests: insurance basics and contract law, life policies, provisions and riders, annuities, health and disability insurance, Medicare supplements and long-term care, and ethics. Start with 5 free questions, then take two timed tests of 60 questions in 72 minutes, with an explanation for every answer and your score per topic area. Your state's own insurance law is not included.

• 5 free questions
• 2 timed tests, 120 questions
• Pace: 72 s per question
• Score in 6 topic areas
• Practice certificate PDF

How many questions are on the insurance license exam?

There is no single national insurance exam. Each state sets its own producer exams, usually through a testing vendor such as Pearson VUE, PSI or Prometric, so the number of questions, the time and the passing score depend on your state and on the license line (life only, accident and health only, or both). Two examples from official sources:

In Texas the Department of Insurance names Pearson VUE as the exam vendor, with the candidate handbook and exam outlines on Pearson VUE's site; the resident agent application fee is $50.

Sources: California Department of Insurance, examination time limits and number of questions; PSI Minnesota insurance candidate bulletin dated 10/1/2026; Texas Department of Insurance, general lines (life, accident, health and HMO) agent page. Checked 27 October 2026. Always check the candidate handbook of your own state before you book.

What is on the life and health insurance exam?

State outlines differ in weighting, but the general life and health part covers the same core concepts. MyLevel splits each 60-question test into six areas:

This split is MyLevel's own; it is not an official weighting. Most states add a separate section on state insurance law (licensing, regulation, state-specific rules), which these tests do not cover.

What you practise on MyLevel

Every MyLevel question is an original practice question with one correct answer, three wrong ones and a short explanation of why. Calculations such as deductible and coinsurance splits, out-of-pocket maximums, the misstatement-of-age adjustment, policy loans, indexed annuity credits and the annuity exclusion ratio were re-solved by script. The two full tests have 60 questions in 72 minutes each: MyLevel's own length, at the pace of California's combined exam (150 questions in 3 hours = 72 seconds per question). After each test you see your score per area, so you know what to study next.

Two timed tests cost $9.99, a one-time payment with no subscription and no time limit, and the pack also unlocks every other MyLevel job test. Not useful? Full refund within 14 days.

How to pass the insurance license exam

• Find your state's exam first: the vendor, the number of questions, the time, the passing score and the content outline are in your state's candidate handbook. Some states also set pre-licensing education or other requirements; the handbook tells you.
• Learn the provisions by their numbers: grace period (typically 31 days for life), a two-year contestable period in most policies, the uniform health provisions (notice of claim within 20 days, claim forms within 15 days, no lawsuit until 60 days after proof of loss), a 30-day free look on Medicare supplements.
• Practise the health math by hand: deductible first, then the coinsurance share, then the out-of-pocket maximum.
• Know the definitions apart: moral versus morale hazard, representation versus warranty, waiver versus estoppel, extended term versus reduced paid-up, residual versus presumptive disability.
• Train under time: take a full MyLevel test, read the explanation of every miss, study your weakest area and retake. Aim for 70% or more in every area, and 80% for a safe margin.

MyLevel is independent and not affiliated with, or endorsed by, any state insurance department, the California Department of Insurance, the Texas Department of Insurance, the Minnesota Department of Commerce, Pearson VUE, PSI or Prometric. All questions are original practice questions written by MyLevel on general life and health insurance concepts, not real exam questions, and do not cover state insurance law. A practice score is not a state exam result or a license.

Sample question with explanation

Frequently asked questions

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