Licencias · Estados Unidos
Life and Health Insurance Producer Exam
The licensing exam for life and health insurance agents: policy types, provisions, underwriting, annuities, health plans and state regulation.
Por ahora, la descripción del examen está en inglés.
Preguntas revisadas por última vez con las fuentes oficiales el 9 de octubre de 2026.
El examen real de un vistazo
- Set by
- Each state insurance department
- Lines
- Life, accident and health
- Topics
- Policies, provisions, ethics, law
- Tip
- State law is tested too
Lo que practicarás
Prueba una pregunta
What does a return of premium rider do?
- Pays the premiums if the owner is disabled
- Returns all premiums paid if the insured dies during the first policy year
- Returns premiums paid if the insured outlives a term policy
- Reduces premiums if no claims are made
Ver la respuesta
C. Returns premiums paid if the insured outlives a term policy — It increases the cost of the policy.
Preguntas de ejemplo por tema (en inglés)
- Insurance basics
- Insurance contracts
- Underwriting and policy issue
- Life policy types
- Life policy provisions
- Riders
- Annuities
- Taxes, retirement and Social Security
- Health insurance basics
- Health policy provisions
- Disability income
- Medical expense plans
- Long-term care
- Group insurance
- Regulation and licensing
- Ethics and unfair practices
- Replacement and sales practices
- Mixed review
- Seniors (CA)
- Long-term care (CA)
- Licensing (TX)
- Licensing (FL)
- Replacement (NY)
- Suitability (NY)
- Licensing (NY)
- Continuing education (TX)
- Continuing education (FL)
- Replacement (CA)
- Annuities (TX)
- Policy provisions (FL)
- Policy provisions (TX)
- Guaranty association (TX)
- Florida health policy provisions
- Regulation (WA)
- Licensing (WA)
- Conduct (WA)
- Policy provisions (WA)
- Medicare supplement (WA)
- Long-term care (WA)
- Licensing (NC)
- Continuing education (NC)
- Policy provisions (NC)
- Long-term care (NC)
- Licensing (IL)
- Penalties (IL)
- Conduct (IL)
- Policy provisions (IL)
- Long-term care (IL)
- Licensing (PA)
- Continuing education (PA)
- Conduct (PA)
- Policy provisions (PA)
- Licensing (MI)
- Long-term care (MI)
- Medicare supplement (MI)
- Conduct (MI)
- Policy provisions (MI)
- Annuities (MI)
- Licensing (VA)
- Appointments (VA)
- Continuing education (VA)
- Conduct (VA)
- Replacement (VA)
- Long-term care (VA)
- Licensing (MN)
- Long-term care (MN)
- Annuities (MN)
- Conduct (MN)
- Policy provisions (MN)
- Licensing (CO)
- Continuing education (CO)
- Penalties (CO)
- Conduct (CO)
- Replacement (CO)
- Policy provisions (CO)
- Licensing (AZ)
- Conduct (AZ)
- Replacement (AZ)
- Annuities (AZ)
- Policy provisions (AZ)
- Long-term care (AZ)
- Licensing (MA)
- Conduct (MA)
- Policy provisions (MA)
- Replacement (MA)
- Long-term care (MA)
- Guaranty association (MA)
- Licensing (TN)
- Appointments (TN)
- Conduct (TN)
- Policy provisions (TN)
- Annuities (TN)
- Licensing (GA)
- Continuing education (GA)
- Conduct (GA)
- Replacement (GA)
- Policy provisions (GA)
- Medicare supplement (GA)
- Licensing (KY)
- Continuing education (KY)
- Conduct (KY)
- Replacement (KY)
- Medicare supplement (KY)
- Licensing (MO)
- Continuing education (MO)
- Conduct (MO)
- Policy provisions (MO)
- Regulation (MD)
- Licensing (MD)
- Continuing education (MD)
- Policy provisions (MD)
- Replacement (MD)
- Penalties (LA)
- Licensing (LA)
- Long-term care (LA)
- Policy provisions (LA)
- Medicare supplement (LA)
- Licensing (IN)
- Conduct (IN)
- Replacement (IN)
- Policy provisions (IN)
- Guaranty association (IN)
- Licensing (NJ)
- Penalties (NJ)
- Conduct (NJ)
- Policy provisions (NJ)
- Licensing (WI)
- Policy provisions (WI)
- Medicare supplement (WI)
- Long-term care (WI)
- Continuing education (SC)
- Conduct (SC)
- Policy provisions (SC)
- Long-term care (SC)
- Regulation (OR)
- Licensing (OR)
- Appointments (OR)
- Policy provisions (OR)
- Long-term care (OR)
- Licensing (OH)
- Appointments (OH)
- Conduct (OH)
- Annuities (OH)
- Policy provisions (OH)
- Long-term care (OH)
- Licensing (OK)
- Conduct (OK)
- Policy provisions (OK)
- Annuities (OK)
- Licensing (NV)
- Conduct (NV)
- Replacement (NV)
- Policy provisions (NV)
- Medicare supplement (NV)
- Licensing (CT)
- Appointments (CT)
- Replacement (CT)
- Continuing education (CT)
- Policy provisions (CT)
- Medicare supplement (CT)
- Licensing (IA)
- Conduct (IA)
- Policy provisions (IA)
- Medicare supplement (IA)
- Licensing (UT)
- Continuing education (UT)
- Conduct (UT)
- Policy provisions (UT)
- Licensing (KS)
- Appointments (KS)
- Replacement (KS)
- Policy provisions (KS)
- Licensing (AL)
- Continuing education (AL)
- Policy provisions (AL)
- Licensing (AR)
- Conduct (AR)
- Annuities (AR)
- Policy provisions (AR)
- Long-term care (AR)
- Licensing (NE)
- Penalties (NE)
- Conduct (NE)
- Policy provisions (NE)
- Long-term care (NE)
- Licensing (MT)
- Conduct (MT)
- Policy provisions (MT)
- Long-term care (MT)
- Licensing (WV)
- Continuing education (WV)
- Long-term care (WV)
- Policy provisions (WV)
- Annuities (WV)
- Licensing (NM)
- Conduct (NM)
- Replacement (NM)
- Annuities (NM)
- Medicare supplement (NM)
- Licensing (MS)
- Penalties (MS)
- Replacement (MS)
- Policy provisions (MS)
- Long-term care (MS)
- Licensing (ID)
- Continuing education (ID)
- Penalties (ID)
- Conduct (ID)
- Policy provisions (ID)
- Annuities (ID)
- Licensing (AK)
- Penalties (AK)
- Conduct (AK)
- Policy provisions (AK)
- Licensing (ND)
- Continuing education (ND)
- Conduct (ND)
- Policy provisions (ND)
- Medicare supplement (ND)
- Long-term care (ND)
- Licensing (NH)
- Continuing education (NH)
- Annuities (NH)
- Policy provisions (NH)
- Long-term care (NH)
- Licensing (ME)
- Policy provisions (ME)
- Medicare supplement (ME)
- Long-term care (ME)
- Licensing (DE)
- Conduct (DE)
- Policy provisions (DE)
- Long-term care (DE)
- Licensing (RI)
- Conduct (RI)
- Policy provisions (RI)
- Long-term care (RI)
- Licensing (WY)
- Regulation (SD)
- Licensing (SD)
- Continuing education (SD)
- Annuities (SD)
- Appointments (SD)
- Licensing (VT)
- Continuing education (VT)
- Appointments (VT)
- Conduct (VT)
- Replacement (VT)
- Policy provisions (VT)
- Licensing (HI)
- Conduct (HI)
- Policy provisions (HI)
- Guaranty association (HI)
Pregunta al examinador
Pregunta sobre este examen: por qué una respuesta es incorrecta, un punto de gramática o «hazme preguntas sobre…».
Solo ayuda para practicar: no asesoramos sobre inmigración, ciudadanía, cuestiones legales ni requisitos. Para tu solicitud, consulta a la autoridad oficial. Las respuestas pueden tener errores; comprueba los datos importantes. Los chats no se guardan en nuestros servidores.
Preguntas sobre el Life & Health Insurance
¿Es este el examen oficial Life & Health Insurance?
No. Semplr es independiente y no está afiliado al organismo examinador. Escribimos todas las preguntas nosotros, con el formato y el nivel oficiales.
¿Cómo es el examen real Life & Health Insurance?
Set by: Each state insurance department. Lines: Life, accident and health. Topics: Policies, provisions, ethics, law. Tip: State law is tested too.
¿Cómo se corrige mi práctica?
Al instante. Ves tu nota frente a la de aprobado y una explicación de cada pregunta, también de las que acertaste.
¿Puedo hacerlo en el móvil?
Sí. Todo el simulacro funciona en el móvil, y tu progreso se guarda en tu navegador.
¿Listo para una prueba completa?
Una sola sesión, tiempo real y luego tu nota frente a la de aprobado.
Empezar el simulacro gratis