OR L&H
Oregon Life & Health Insurance License Exam
Oregon regulates Life & Health producer licensing through Oregon Division of Financial Regulation (DCBS), with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 2 hours 40 minutes time limit. Passing requires 70%. The exam fee is $55. Oregon requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Oregon, covering national concepts plus Oregon statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
OR L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Oregon Life & Health Insurance License Exam |
| Governing Body | Oregon Division of Financial Regulation (DCBS) |
| Number of Questions | 150 |
| Time Limit | 2 hours 40 minutes |
| Passing Score | 70% |
| Exam Fee | $55 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Oregon Division of Financial Regulation (DCBS) official website ↗ |
OR L&H Content Areas and Domains
Domain areas are sourced from the Oregon Division of Financial Regulation (DCBS) 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
- ✓ Oregon insurance law and regulations
How C3RT Helps You Pass the OR L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the OR L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real OR 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 OR L&H Practice Questions
Q1.Under Oregon state regulations, how often must an insurer provide a statement to a variable life insurance policyholder regarding the investments held in their separate account?
- Every month
- Only when requested by the policyholder
- Quarterly
- At least once per yearCorrect
Oregon law specifically requires a statement at least once per year. Monthly and quarterly options are too frequent, while 'only when requested' fails to meet the mandatory reporting requirement.
Q2.Under Oregon insurance regulations, if a patient is identified as high-risk for breast cancer by their health care provider, when must the policy provide coverage for a mammogram?
- Only if the patient is over the age of 40.
- At any time upon referral from the health care provider.Correct
- Requires insurer's prior approval and a waiting period.
- Only during the annual wellness examination window.
Oregon law requires coverage at any time upon referral for high-risk individuals. The other options are incorrect because they impose age, approval, or scheduling restrictions that contradict this specific mandate.
Q3.Under Oregon insurance regulations, what is an insurer's obligation regarding mastectomy-related services for an enrollee who requests breast reconstruction?
- The insurer must provide payment or reimbursement for all stages of reconstruction as determined by the attending physician and enrollee.Correct
- The insurer is only required to cover the primary surgery, not subsequent reconstruction stages.
- Coverage is provided only if the insurer pre-approves each specific stage of the reconstruction.
- The insurer may deny coverage if the reconstruction is deemed elective rather than medically necessary.
Oregon law specifically requires insurers to cover all stages of breast reconstruction as determined by the physician and enrollee. The other options incorrectly limit coverage to primary surgery or require insurer pre-approval, which contradicts the state's mandate.
OR L&H Frequently Asked Questions
What does OR L&H stand for?
OR L&H stands for Oregon Life & Health Insurance License Exam. It is administered by Oregon Division of Financial Regulation (DCBS).
Who administers the OR L&H?
The Oregon Life & Health Insurance License Exam (OR L&H) is administered by Oregon Division of Financial Regulation (DCBS). For official information, visit the Oregon Division of Financial Regulation (DCBS) website.
How many questions is the OR L&H?
The OR L&H consists of 150 questions. Candidates are given 2 hours 40 minutes to complete the exam.
What is the passing score for the OR L&H?
The passing score for the OR L&H is 70%, as set by Oregon Division of Financial Regulation (DCBS). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the OR L&H exam cost?
The OR L&H exam fee is $55. This fee is set by Oregon Division of Financial Regulation (DCBS) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Oregon Life & Health exam?
The Oregon combined Life & Health exam has 150 scored questions, a 2 hours 40 minutes time limit, a $55 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Oregon require prelicensing education for Life & Health?
Yes. Oregon requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through an Oregon-approved provider.
What score do I need to pass the Oregon Life & Health exam?
Oregon requires 70% on the Life & Health exam. Confirm the current standard with Oregon Division of Financial Regulation (DCBS), since passing standards can change.
Is the Life & Health exam different in Oregon than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Oregon tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Oregon Division of Financial Regulation (DCBS).
C3RT is a native iOS and macOS exam preparation platform covering the Oregon Life & Health Insurance License Exam (OR L&H), a Insurance Licensing certification, administered by Oregon Division of Financial Regulation (DCBS). C3RT is not affiliated with or endorsed by Oregon Division of Financial Regulation (DCBS). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Oregon Division of Financial Regulation (DCBS) official website ↗ .