IA L&H
Iowa Life & Health Insurance License Exam
Iowa regulates Life & Health producer licensing through Iowa Insurance Division (IID), with the exam delivered by Pearson VUE. Iowa does not offer a combined Life & Health exam; it splits into two separate exams: 'Life' (12-IA-01: 50 general + 27 Iowa-specific = 77 scored questions plus 10 pretest, 2 hours, $44) and 'Accident & Health' (12-IA-02: 50 general + 30 Iowa-specific = 80 scored questions plus 10 pretest, 2 hours, $44). Iowa does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Iowa, covering national concepts plus Iowa statute, producer duties, and ethics.
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IA L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Iowa Life & Health Insurance License Exam |
| Governing Body | Iowa Insurance Division (IID) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Iowa Insurance Division (IID) official website ↗ |
IA L&H Content Areas and Domains
Domain areas are sourced from the Iowa Insurance Division (IID) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Iowa insurance law and regulations
How C3RT Helps You Pass the IA L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the IA L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real IA L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample IA L&H Practice Questions
Q1.Under Iowa law, how is disability income insurance classified in relation to the definition of 'accident and health insurance'?
- It is specifically excluded from the definition of accident and health insurance.Correct
- It is included in the definition of accident and health insurance.
- It is only excluded from group plans, but included in individual plans.
- It is classified as a life insurance product rather than an accident/health product.
Iowa law specifically excludes disability income insurance from the definition of 'accident and health insurance' under section 509.1(b). The other options incorrectly suggest inclusion or limited exclusion criteria not supported by the statute.
Q2.For a disability income insurance policy issued in Iowa in 1963, which valuation table option is available to the company?
- The company may choose between the post-1966 tables or the class (3) disability table (1926).Correct
- No choice is allowed; only post-1966 tables apply.
- The company must use the 1926 tables only.
- The company must use the 1966 tables regardless of the policy date.
Iowa law specifically allows a choice between post-1966 tables and the class (3) disability table (1926) for policies issued between 1961 and 1966. The other options are incorrect because they ignore this specific transition period allowance.
Q3.Under Iowa law, what is required when using an active lives table for disability policies to calculate reserves?
- A standalone disability table must be used independently of any mortality data.
- It must be combined with a mortality table permitted for calculating life insurance reserves.Correct
- Only the life insurance mortality table may be used without combining it with other data.
- The insurer may use any arbitrary table as long as it is filed with the Department of Insurance.
Iowa law specifically mandates that active lives tables for disability policies be combined with mortality tables permitted for life insurance reserves. Standalone disability tables or using only a life mortality table without the required combination violates this specific state rule.
IA L&H Frequently Asked Questions
What does IA L&H stand for?
IA L&H stands for Iowa Life & Health Insurance License Exam. It is administered by Iowa Insurance Division (IID).
Who administers the IA L&H?
The Iowa Life & Health Insurance License Exam (IA L&H) is administered by Iowa Insurance Division (IID). For official information, visit the Iowa Insurance Division (IID) website.
Does Iowa have a combined Life & Health exam?
Iowa does not offer a combined Life & Health exam; it splits into two separate exams: 'Life' (12-IA-01: 50 general + 27 Iowa-specific = 77 scored questions plus 10 pretest, 2 hours, $44) and 'Accident & Health' (12-IA-02: 50 general + 30 Iowa-specific = 80 scored questions plus 10 pretest, 2 hours, $44). Check Iowa Insurance Division (IID) for the current exam-registration process.
Does Iowa require prelicensing education for Life & Health?
No. Iowa does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Iowa Life & Health exam?
We could not confirm the current passing standard for the Iowa Life & Health exam from an official source. Most states use a 70 percent standard, though some use a scaled score or a different percentage; confirm with Iowa Insurance Division (IID).
Is the Life & Health exam different in Iowa than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Iowa tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Iowa Insurance Division (IID).
C3RT is a native iOS and macOS exam preparation platform covering the Iowa Life & Health Insurance License Exam (IA L&H), a Insurance Licensing certification, administered by Iowa Insurance Division (IID). C3RT is not affiliated with or endorsed by Iowa Insurance Division (IID). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Iowa Insurance Division (IID) official website ↗ .