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Insurance · Life, Accident & Health

Life & Health Insurance Practice Exam & Prep

Get ready for the life and health insurance licensing exam with a large bank of realistic practice questions, full-length mock exams timed and scored like the real thing, and a clear explanation behind every answer — in your browser or on your phone.

4.8from real test-takers
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Realistic life & health insurance practice exams

Practice across the whole blueprint — life insurance basics and policy types, annuities, medical and disability plans, group health, and the federal tax rules behind them — with questions written to match the wording and difficulty of the real exam.

  • Hundreds of questions spanning life, accident, and health topics
  • Quick ten-question sets or focused drills on your weakest areas
  • Answer choices written to test the same distinctions the real exam does
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A full-length practice test, timed and scored

Sit a full-length life and health insurance practice test under a real time limit, get a score the moment you finish, and know what exam day feels like well before you're sitting in the seat.

  • A full-length mock exam under a realistic time limit
  • An instant score, so you know whether you're clearing the mark
  • A full review of every question you missed once time is up
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Every question explained

A right-or-wrong score doesn't teach you anything. Every question comes with a plain-English explanation of why the correct answer is correct and why each other option isn't — which is what finally makes the tricky annuity, policy-provision, and tax questions click.

  • The reasoning behind the right answer and each wrong one
  • Concept-level understanding that holds up when the wording changes
  • No cramming isolated facts — learn what the question is really testing
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Know when you're actually ready

Instead of guessing, study against a readiness score that moves as you practice and a plan that always points you at the topics holding your score down. When the score says you're ready, it's because your practice says so.

  • An exam-readiness score that updates with every session
  • Per-topic mastery, so weak areas surface early
  • A study plan ordered by what will lift your score the most

Curriculum

What's on the life & health insurance exam

Explore 38 study topics across three groups, with 1,117 practice questions covering general insurance knowledge, life and health insurance, and federal tax considerations, laws and regulations.

  • Insurers General Knowledge
  • Risk, Perils, and Risk Management
  • Insurable Risk, Indemnity, and Utmost Good Faith
  • Elements of a Legal Contract
  • The Application and Contract Characteristics
  • Warranties, Representations, and Interpretation
  • Producers and General Rules of Agency

  • Life Insurance Uses, Applications, and Underwriting
  • Premiums, Risk Classification, and A&H Basics
  • Term Life Insurance
  • Whole Life Insurance
  • Universal and Adjustable Life Policies
  • Variable, Group, and Specialty Life Policies
  • Policy Issue, Delivery, and Ownership
  • Beneficiaries, Premiums, and Reinstatement
  • Incontestability, Exclusions, and Policy Loans
  • Nonforfeiture and Dividend Options
  • Settlement Options and Waiver of Premium
  • Accidental Death, Living Benefit, and Other Riders
  • Annuity Types and Funding
  • Annuity Payout Options
  • Medical Expense Plans and Coverage Provisions
  • Cost-Sharing and Claim Calculations
  • Managed Care Plans (HMO, PPO, POS)
  • Dental, Vision, and Limited Benefit Policies
  • Entire Contract, Preexisting Conditions, and Grace Period
  • Claims Provisions and Time Limits
  • Renewability, Incontestability, and Optional Provisions
  • Disability Income Basics and Definitions
  • Elimination Periods and Policy Provisions
  • Disability Riders, Group Coverage, and AD&D
  • Group Health Insurance
  • Medicare, Medicaid, and Medigap
  • Long-Term Care Insurance

  • Consumer Protection and Marketing Laws
  • COBRA, HIPAA, and the ACA
  • Taxation of Life Insurance and Annuities
  • Qualified Plans and Health Tax Benefits

Resources

Plan your path and prepare

Check licensing steps, review concepts, and practice the topics you need.

FAQ

Life & Health Insurance exam questions, answered

Start practising today

Take your first Life, Accident & Health practice exam in your browser — nothing to install, one account across web, iPhone, and Android.