KS L&H
Kansas Life & Health Insurance License Exam
Kansas regulates Life & Health producer licensing through Kansas Department of Insurance (KDOI), with the exam delivered by Pearson VUE. The combined Life & Health exam has a 150 minutes time limit. Passing requires 70%. The exam fee is $64. Kansas does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Kansas, covering national concepts plus Kansas statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
KS L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Kansas Life & Health Insurance License Exam |
| Governing Body | Kansas Department of Insurance (KDOI) |
| Time Limit | 150 minutes |
| Passing Score | 70% |
| Exam Fee | $64 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Kansas Department of Insurance (KDOI) official website ↗ |
KS L&H Content Areas and Domains
Domain areas are sourced from the Kansas Department of Insurance (KDOI) 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
- ✓ Kansas insurance law and regulations
How C3RT Helps You Pass the KS L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the KS L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real KS 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 KS L&H Practice Questions
Q1.Under Kansas law, which of the following is specifically excluded from the definition of a policy of accident and sickness insurance?
- A policy covering accidental death
- A policy providing for medical expenses
- A policy of disability incomeCorrect
- A policy providing for sickness benefits
Kansas law explicitly states that a policy of accident and sickness insurance does not include any policy or contract of disability income. The other options are standard components included within the definition of accident and sickness insurance.
Q2.Under Kansas law, which of the following statements correctly describes the relationship between disability income contracts and accident and sickness insurance policies?
- A policy of disability income is considered a subset of accident and sickness insurance.
- A policy of accident and sickness insurance does not include any policy or contract of disability income.Correct
- Accident and sickness insurance includes any contract that provides for disability income.
- All disability policies are automatically classified as accident and sickness insurance by the state.
Kansas law specifically excludes disability income contracts from the definition of accident and sickness insurance. The other options incorrectly suggest that disability income is included or applicable to all such policies.
Q3.Under Kansas insurance regulations, which of the following actions is an insurer prohibited from taking regarding a disability definition?
- Defining disability as the inability to perform the duties of one's own occupation.
- Requiring a physician's statement to confirm a total and permanent disability.
- Limiting coverage for an applicant who has a pre-existing visual impairment.
- Refusing to provide coverage based on a presumption of disability resulting from loss of eyesight.Correct
Kansas law specifically prohibits insurers from refusing coverage or limiting it solely because a disability is presumed upon loss of eyesight. The other options describe standard industry practices or definitions that are not prohibited by this specific regulation.
KS L&H Frequently Asked Questions
What does KS L&H stand for?
KS L&H stands for Kansas Life & Health Insurance License Exam. It is administered by Kansas Department of Insurance (KDOI).
Who administers the KS L&H?
The Kansas Life & Health Insurance License Exam (KS L&H) is administered by Kansas Department of Insurance (KDOI). For official information, visit the Kansas Department of Insurance (KDOI) website.
What is the passing score for the KS L&H?
The passing score for the KS L&H is 70%, as set by Kansas Department of Insurance (KDOI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the KS L&H exam cost?
The KS L&H exam fee is $64. This fee is set by Kansas Department of Insurance (KDOI) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Kansas Life & Health exam?
The Kansas combined Life & Health exam has a 150 minutes time limit, a $64 exam fee. Passing requires 70%. It is delivered by Pearson VUE.
Does Kansas require prelicensing education for Life & Health?
No. Kansas does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Kansas Life & Health exam?
Kansas requires 70% on the Life & Health exam. Confirm the current standard with Kansas Department of Insurance (KDOI), since passing standards can change.
Is the Life & Health exam different in Kansas than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Kansas tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Kansas Department of Insurance (KDOI).
C3RT is a native iOS and macOS exam preparation platform covering the Kansas Life & Health Insurance License Exam (KS L&H), a Insurance Licensing certification, administered by Kansas Department of Insurance (KDOI). C3RT is not affiliated with or endorsed by Kansas Department of Insurance (KDOI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Kansas Department of Insurance (KDOI) official website ↗ .