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How to Pass the Life & Health Insurance Exam

Instructor: Jessica Munk
While each state has different licensing requirements, you will typically have to take a life and health insurance exam to work in the insurance industry as a sales agent. Keep reading to learn how to study for and pass this exam.

Locate Your State's Exam Content Outline

To pass a life and health insurance exam, you will need to have broad knowledge of insurance concepts, policy types, taxes and federal regulations, not to mention the insurance laws in your state.

Your state department of insurance may publish an outline of the exam content on its website. These outlines can be a valuable resource for passing the exam, as they will detail what topics you need to study. They might also show you the percentage of exam content covered by each topic.

Find a Course

You may be able to find a pre-licensing course that you can take on campus through a local college. You might also find online pre-licensing courses that offer video lectures as well as access to instructors. These courses allow you to meet your state's educational prerequisites for licensure and can also help you get acquainted with the topics you'll need to be familiar with on your state's life and health insurance exam.

You might also want to consider taking a college's exam review course. Often, these review courses can be offered online, or you may be able to find an in-person review. Your review course may come with self-paced review materials.

Additionally, Study.com offers lessons that can help give you a refresher on the general topics you will see on your life and health insurance exam. You can use these lessons to review material online, either from your home computer or portable device. You can also take quizzes to practice your test-taking skills. Some of these Study.com resources include:

Study With Printed Materials

Some colleges or universities sell study materials specific to your state's exam. You can also purchase study guides from booksellers. These study guides might cover material on your state exam or provide you with a more universal overview of life and health insurance rates and regulations.

Take a Practice Exam

Some test vendors make online life and health insurance practice exams available for purchase. These resources can familiarize you with the computerized test format and the types questions you'll encounter on test day. Keep in mind that content generally covers general insurance topics and does not include questions on specific state laws or regulations.

Know What to Expect on Test Day

Knowing your state's general exam policies and procedures before test day can also help you perform better on the exam. It's generally a good idea to arrive at your test site early so you will have plenty of time to check in. This process could entail verifying your identity with a valid photo ID, such as a passport or driver's license, and, in some cases, completing a fingerprint requirement.

Additionally, you might be turned away from the testing center if you arrive late. Giving yourself ample time to arrive at your appointment can help you avoid any unnecessary anxiety.

Learning what is and isn't allowed at the testing center can also prevent any unpleasant surprises on test day. Your state department of insurance should publish these policies and procedures online.

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