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How Difficult is it to Pass the Life and Health Insurance Exam?

May 20, 2021

If you are considering a career in the Life and Health Insurance industry, you will first have to pass the required Life and Health Insurance exam.

 

This exam was established to test a candidate’s knowledge and understanding of both Life and Health Insurance regulations and requirements to ensure their success as a licensed insurance producer. There is a lot of information covered on the exam; it will take some time to master the material. At ExamFX, we have found that most candidates who put in the necessary effort can pass on their first try.

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What is covered on the Life and Health Exam?

Individuals taking the Life and Health exam will be expected to demonstrate competency in the following subjects:

  • Life and Health Insurance Basics
  • Life Policies
  • Health Policies
  • Policy Provisions
  • Medicare and Medicaid
  • Tax Considerations
  • Applicable State Regulations

State Requirements

The Life and Health Insurance exam is regulated by each state’s department of insurance. For the most part, the core essentials covered on the exam are consistent from state to state; however, it is important to note that there are unique state-specific requirements and regulations that are also included.

 

The number of questions on the exam, the time limit, and the minimum passing score will also differ by state. ExamFX recommends candidates review their state’s Life and Health exam content outline so they can become familiar with the requirements. We have made it easy for you - visit our State Insurance Prelicensing Requirements page and click on your home state to be directed to all the information you need.

Life and Health Insurance Exam Pass Rate

As you’ve just learned, Insurance exams and requirements vary by state. Most states do not share their pass rate data, which makes it difficult to calculate a meaningful average pass rate. ExamFX’s overall insurance exam pass rate is 93%.* This pass rate reflects our commitment to help you succeed.

Preparation Is the Key to Success

In order to plan effectively, we recommend making a study calendar. ExamFX offers a custom Virtual Study Calendar to help you create an individual study plan that fits your schedule. We recommend candidates study at least 40 hours for the Life and Health exam.

 

Set a study calendar that fits with your life and work schedule and do your best to stick to it. Ultimately, your success is going to depend on the amount of time and effort you put into studying.

How Hard is the Life and Health Insurance Exam?

The Life and Health exam can be challenging. The level of difficulty of the exam will depend on your current knowledge, previous work experience, and how well you prepare.

 

It is important that you create a good study plan and prepare with an online training provider.

Choose a Top Exam Prep Provider

For over 25 years, ExamFX has helped millions of insurance professionals pass important licensing exams. As the market leader in licensing training, we know that the key to passing on the first attempt is high-quality, professional exam preparation.

 

Our prelicensing courses, including Life and Health, set the industry standard for exam prep. We offer OnDemand Videos and online learning through our interactive learning platform that are designed for all learning preferences.

 

We are so confident in our ability to help you reach your professional goals that we offer an industry-leading Pass Guarantee to our customers.

 

Learn more about how to prepare for the Life and Health insurance exam here.

Ready to Enroll? Want to Learn More?

At ExamFX, our goal is the same as yours: for you to pass your exam on the first try. When you are ready to enroll in a Life and Health exam prep course, visit our website.

 

 

*Data based on self-reported licensing exam pass rates, as of 9/30/2020.

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