L&H License
Life & Health Insurance License Exam
Life and Health insurance producer licensing is regulated state by state. Most states split the exam into a general section covering life, health, and annuity products, and a state section covering that state insurance code, producer duties, and ethics. Combined Life and Health exams typically run around 150 scored questions, with single-line exams closer to 100 to 125, and most states require 70 percent to pass. C3RT covers 203,854 practice questions across national content and all 50 state law sections, with 39,492 flashcards, 20,936 concept cards, and 7,923 concept reels. Beyond the question bank, C3RT includes 2,532 side-by-side 50-state reference tables covering 9,475 state-specific rules, 815 narrated audio lessons totalling over 77 hours with sentence-level transcripts, 174 worked math problems, 36 comparison charts, 35 decision flowcharts, and 39 ethics scenarios.
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L&H License Exam Overview
| Detail | Information |
|---|---|
| Full Name | Life & Health Insurance License Exam |
| Governing Body | State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric) |
| Passing Score | Typically 70% (varies by state; California uses 60%) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric) official website ↗ |
L&H License Content Areas and Domains
| Domain / Content Area |
|---|
| General Insurance Concepts and Regulations |
| Life Insurance Products and Features |
| Health Insurance Products and Features |
| Annuity Products |
| State-Specific Laws and Regulations |
Domain areas are sourced from the State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities and retirement income
- ✓ Health insurance basics and policy provisions
- ✓ Disability income and medical expense plans
- ✓ Group life and health plans
- ✓ Federal tax treatment of life and health products
- ✓ State insurance law, ethics, and producer duties
How C3RT Helps You Pass the L&H License
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the L&H License is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real L&H License 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 L&H License Practice Questions
Q1.A client requests a life insurance policy that provides coverage specifically for a 15-year period to cover their mortgage. Which type of insurance best fits this requirement?
- Term life insuranceCorrect
- Whole life insurance
- Permanent life insurance
- Universal life insurance
Term life insurance provides temporary protection for a specified period (the policy term), making it ideal for debt coverage. Whole and permanent life insurance provide lifelong coverage rather than expiring after a set number of years.
Q2.In the context of life insurance, what is the typical range for a 'free look' period provided to a policyholder?
- 5 days (as defined in policy language)
- 60 days (as defined in policy language)
- 30 days (as defined in policy language)
- 10 to 20 daysCorrect
The standard free look period typically ranges from 10 to 20 days. Options like 5 or 30 days are common distractors but do not represent the standard range defined in the study guide.
Q3.A client is inquiring about an annuity that will begin providing regular income payments immediately upon the completion of the funding period. Which type of annuity does this describe?
- Immediate annuityCorrect
- Variable annuity
- Deferred annuity
- Single premium annuity
An immediate annuity begins payouts right away, whereas a deferred annuity has a period where the funds grow before payments start. 'Variable' and 'Single premium' refer to investment structure and funding methods rather than the timing of benefit commencement.
L&H License Frequently Asked Questions
What does L&H License stand for?
L&H License stands for Life & Health Insurance License Exam. It is administered by State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric).
Who administers the L&H License?
The Life & Health Insurance License Exam (L&H License) is administered by State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric). For official information, visit the State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric) website.
What is the passing score for the L&H License?
The passing score for the L&H License is Typically 70% (varies by state; California uses 60%), as set by State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How many questions are on the Life & Health exam?
It depends on your state and which line you take. A combined Life, Accident and Health exam typically runs about 150 scored questions, while single-line Life-only or Health-only exams are usually 100 to 125. Most states add 10 to 15 unscored pretest questions that do not count toward your score.
Is the insurance license exam the same in every state?
No. Each state Department of Insurance sets its own exam, and most follow a two-part structure: a general section based on NAIC-aligned content that is broadly similar nationwide, and a state section covering that state statute and regulation. Question counts, time limits, and fees all vary by state.
What score do I need to pass?
Most states require 70 percent to pass, though this varies. California, for example, uses a 60 percent standard. Check your state Department of Insurance or the exam vendor handbook for the current requirement.
Do I need prelicensing education first?
It depends entirely on your state. Some states require 20 to 40 hours of approved prelicensing education before you may sit the exam, while others require none at all. Washington, for instance, dropped its prelicensing requirement in July 2023. C3RT is exam prep and does not satisfy any state prelicensing requirement.
Who administers the exam?
Delivery is contracted to Pearson VUE, PSI, or Prometric depending on the state, on behalf of that state Department of Insurance.
How difficult is the Life & Health insurance licensing exam?
Life and Health insurance licensing exams are considered moderately difficult. They test knowledge of life insurance products (term, whole, universal life), annuities, health insurance coverage types, Affordable Care Act provisions, and state insurance regulations. Candidates with strong study discipline typically achieve pass rates of 60–75% on first attempts, though rates vary significantly by state.
What are the eligibility requirements for Life & Health insurance licensing?
Requirements are state-specific, each state issues its own insurance license. Most states require completion of a pre-licensing education course (typically 20–40 hours for Life and 20–40 hours for Health, sometimes combined), followed by passing the state exam. Many states also require a background check.
How long should I study for the Life & Health licensing exam?
Two to four weeks of focused study after completing the required pre-licensing coursework is typical. Using state-specific practice exams aligned with your state's exam content outline is critical, since each state's exam has unique regulatory content.
What career value does a Life & Health insurance license provide?
A Life & Health license is required to legally sell life insurance, annuities, and health insurance products. Licensed agents can work independently or with carriers and agencies, with income potential directly tied to sales production. Top producers earn $75,000–$150,000+ annually.
What is the retake policy for Life & Health insurance exams?
Retake policies are state-specific. Most states impose a waiting period of one to two days between exam attempts and may limit the number of attempts within a specific timeframe. Some states require additional pre-licensing education after multiple failures.
How long does a Life & Health insurance license remain valid?
Insurance licenses are issued by states and typically must be renewed every two years. Continuing education requirements for renewal vary by state but usually range from 20 to 24 credit hours per renewal cycle.
How does a Life & Health license compare to a Property & Casualty license?
Life & Health licensure covers life insurance, annuities, disability income, and health coverage. Property & Casualty (P&C) licensure covers homeowners, auto, commercial property, liability, and related coverages. These are distinct license lines; agents who sell both types of products must be licensed in both lines. Each requires separate pre-licensing education and separate exams.
Can a Life & Health license from one state be used in another state?
Not directly, but reciprocal licensing agreements between many states make it possible to add additional state licenses without taking the full exam again. The requirements vary, and some states require a separate exam regardless of reciprocity agreements.
C3RT is a native iOS and macOS exam preparation platform covering the Life & Health Insurance License Exam (L&H License), a Insurance Licensing certification, administered by State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric). C3RT is not affiliated with or endorsed by State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the State Departments of Insurance (delivered by Pearson VUE, PSI, or Prometric) official website ↗ .