Licensing · Insurance
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.
Questions last checked against the official sources on October 9, 2026.
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The real exam at a glance
- Set by
- Each state insurance department
- Lines
- Life, accident and health
- Topics
- Policies, provisions, ethics, law
- Tip
- State law is tested too
What you'll practise
Try a question
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
Show the answer
C. Returns premiums paid if the insured outlives a term policy — It increases the cost of the policy.
Sample questions by topic (in English)
- 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)
Ask the examiner
Ask about this exam: why an answer is wrong, a grammar point, or “quiz me on …”.
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Questions about the Life & Health Insurance
Is this the official Life & Health Insurance?
No. Semplr is independent and not affiliated with the exam body. We write every question ourselves, in the official format and at the official level.
What is the real Life & Health Insurance like?
Set by: Each state insurance department. Lines: Life, accident and health. Topics: Policies, provisions, ethics, law. Tip: State law is tested too.
How is my practice marked?
Instantly. You see your score against the pass mark, and an explanation for every question — including the ones you got right.
Can I take it on my phone?
Yes. The whole mock exam works on a phone, and your progress is saved in your browser.
Ready for a full run?
One sitting, real timing, then your score against the pass mark.
Start the free mock exam