Free Life and Health Insurance License Practice Test
Practice life and health insurance questions written to the Pearson VUE general-knowledge outline, read why each answer is right, then take a full timed mock: 110 questions, 100 scored, with a score for every section.
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drill- 361 original life and health questions with worked answers
- 8 outline sections, each scored separately in the mock
- 110 questions in the full mock, 114 minutes
Clementine filed proof of loss on March 1, and her insurer has not paid. Under the uniform Legal Actions provision, what is the earliest date she may sue to recover on the policy?
What the life and health exam covers
- What it covers
- The general-knowledge part of a life, accident and health producer exam: life policies, riders and provisions, underwriting, taxation, health policies, health provisions, Medicare and Social Security
- Questions on our mock
- 110 multiple-choice questions with four options: 100 scored plus 10 unscored pretest questions, as in the general part of the Pearson VUE Texas exam
- Time on our mock
- 114 minutes, the same pace as the 150-minute Texas General Lines exam
- Section weights
- Life 50 questions (types of policies 15, provisions 15, underwriting 12, retirement and taxes 8) · Health 50 (types of policies 16, provisions 15, social insurance and other concepts 11, field underwriting 8)
- State law
- Every state adds a part on its own insurance law. Texas candidates take the general part and a 35-question Texas part in one 150-minute exam
- Who licenses
- Each state’s insurance department issues producer licenses and sets the exam; a testing vendor (Pearson VUE, PSI or Prometric) delivers it
What’s on the Life and Health exam
The Pearson VUE content outline, effective September 1, 2026. Our full mock draws its 100 scored questions at these counts and mixes in 10 unscored pretest questions, as on the real exam. Every section has a study guide and a free ten-question drill with a worked answer after every question.
| Section | What it covers | Questions | Drill |
|---|---|---|---|
| Life insurance | 50 + 5 pretest | ||
| I. Types of life policies and annuities | Whole, universal, variable and indexed life, term life, annuities, and joint and survivorship plans | 15 | 10-question drill |
| II. Life policy riders, provisions, options and exclusions | Riders, beneficiary designations, premium payment, nonforfeiture and dividend options, incontestability, settlement options and exclusions | 15 | 10-question drill |
| III. Life application, underwriting and policy delivery | Completing the application, warranties and representations, receipts, replacement, privacy rules, underwriting, policy delivery and contract law | 12 | 10-question drill |
| IV. Retirement plans, group life and taxation | Third-party ownership, life settlements, group life, qualified and nonqualified plans, needs analysis, Social Security and taxation of life insurance | 8 | 10-question drill |
| Accident and health insurance | 50 + 5 pretest | ||
| V. Types of health policies | Disability income, AD&D, medical expense plans (HMO, PPO, POS, HDHP and HSA), Medicare supplement, group coverage and COBRA, long-term care and limited plans | 16 | 10-question drill |
| VI. Health policy provisions, clauses and riders | The uniform mandatory and optional provisions, elimination and probationary periods, preexisting conditions, cost sharing, riders and renewability | 15 | 10-question drill |
| VII–VIII. Social insurance and other health concepts | Medicare, Medicaid and Social Security disability, kinds of disability, coordination of benefits, taxation of health insurance, managed care and subrogation | 11 | 10-question drill |
| IX. Health field underwriting | Completing the application, sources of insurability information and HIPAA, the initial premium and receipts, submitting the application, delivery and replacement | 8 | 10-question drill |
What the life and health exam tests
- About half the general-knowledge questions are life insurance: the kinds of policies, the riders and provisions in them, the application and underwriting, and how life insurance is taxed.
- The other half is accident and health: disability income, medical expense plans and managed care, the uniform policy provisions with their day counts, Medicare and Medicaid, and long-term care.
- Expect short scenarios: an insured dies during the grace period, a disabled worker returns part-time, a policyowner stops paying premiums. Each question asks which provision applies and what happens next.
Take a full Life and Health mock under the real clock
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillHow to get licensed
- Check your state’s candidate handbook for the exam’s question count, time limit, fee and any prelicensing course requirement.
- Study the general-knowledge outline, then your state’s insurance law. In Texas both parts are in the same exam.
- Schedule the exam with your state’s testing vendor and sit it at a test center.
- After you pass, apply to the state insurance department for the license, with fingerprints if your state requires them.
Common questions
How many questions are on the life and health insurance exam?
It depends on the state. In Texas the General Lines Life, Accident and Health exam has 145 questions in 150 minutes: 100 scored general-knowledge questions plus 10 pretest, and 30 scored Texas-law questions plus 5 pretest. Our general-knowledge mock uses the same 110-question general part.
Is the life and health insurance exam hard?
In Texas, 57% of first-time candidates passed the General Lines Life, Accident and Health exam in 2025, according to the Texas Department of Insurance pass-rate report. Most failures come from the provisions and their time limits, which reward practice under time.
What score do you need to pass?
Each state sets its own passing score. Texas uses a scaled score of 70. Our mock reports a pass at 70% of the scored questions.
Are these questions the same in every state?
The general-knowledge content is close across states because it tests the same products, policy provisions and federal rules. State law is different in each state; our Texas pages cover the Texas part.
Are these real exam questions?
No. Testing vendors and states do not release exam questions. These are original practice questions written to the published Pearson VUE content outline, with a worked explanation and the source behind every answer.
Ready for exam day?
110 questions in 114 minutes, scored on the 100 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillInsurance license practice exams
One insurance license pass covers every full mock exam and unlimited drills below. Every drill’s first attempt is free. All exams: insurance license practice test.
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Exam format, fees, passing scores and pass rates checked November 2026: Texas Insurance Content Outlines (effective September 1, 2026) · NAIC Uniform Individual Accident and Sickness Policy Provision Law · Texas Insurance Licensing Candidate Handbook.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.