SD L&H
South Dakota Life & Health Insurance License Exam
South Dakota regulates Life & Health producer licensing through South Dakota Division of Insurance (Department of Labor and Regulation), with the exam delivered by Pearson VUE. The combined Life & Health exam has 145 questions with a 150 minutes time limit. Passing requires a scaled score of 70 out of 100. The exam fee is $95. South Dakota does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for South Dakota, covering national concepts plus South Dakota statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
SD L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | South Dakota Life & Health Insurance License Exam |
| Governing Body | South Dakota Division of Insurance (Department of Labor and Regulation) |
| Number of Questions | 145 |
| Time Limit | 150 minutes |
| Passing Score | a scaled score of 70 out of 100 |
| Exam Fee | $95 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | South Dakota Division of Insurance (Department of Labor and Regulation) official website ↗ |
SD L&H Content Areas and Domains
Domain areas are sourced from the South Dakota Division of Insurance (Department of Labor and Regulation) 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
- ✓ South Dakota insurance law and regulations
How C3RT Helps You Pass the SD L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the SD L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real SD 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 SD L&H Practice Questions
Q1.Under South Dakota law, if an insured's total monthly loss of time benefits from multiple policies exceed their actual earnings, how is the insurer's liability determined?
- The insurer is liable for the full amount regardless of the insured's earnings.
- The insurer is liable for an amount based on one year of prior earnings.
- The insurer is liable only for a proportionate amount based on the insured's monthly earnings or average monthly earnings for the preceding two years (whichever is greater).Correct
- The insurer is liable for the full amount of benefits promised in each individual policy.
In South Dakota, liability is capped at a proportionate amount based on the greater of current monthly earnings or two-year average earnings. The other options incorrectly suggest unlimited liability or an incorrect timeframe for calculating prior earnings.
Q2.In South Dakota, what is a requirement for an insurer to include an earnings adjustment clause in a disability income policy issued to a 46-year-old?
- The insured must have the right to continue the policy for at least 10 years.
- The insured must have the right to continue the policy for at least five years.Correct
- There is no age limit or duration requirement for this clause.
- The insurer must provide a 60-day grace period before the adjustment takes effect.
South Dakota law requires that if a policy is issued after age 44, it must be continuable for at least five years to include an earnings adjustment clause. The 10-year option is incorrect as it exceeds the statutory requirement, and there is a specific age/duration restriction.
Q3.In the state of South Dakota, what is the minimum required waiting period before a disability income insurance policy can allow a loss to commence following an accident?
- Immediate commencement
- 15 days (as defined in policy language)
- 30 daysCorrect
- 60 days (as defined in policy language)
South Dakota law mandates that no disability income policy may require the loss to commence less than thirty days after the date of the accident. 'Immediate commencement' and '15 days' are incorrect as they fall below the statutory minimum.
SD L&H Frequently Asked Questions
What does SD L&H stand for?
SD L&H stands for South Dakota Life & Health Insurance License Exam. It is administered by South Dakota Division of Insurance (Department of Labor and Regulation).
Who administers the SD L&H?
The South Dakota Life & Health Insurance License Exam (SD L&H) is administered by South Dakota Division of Insurance (Department of Labor and Regulation). For official information, visit the South Dakota Division of Insurance (Department of Labor and Regulation) website.
How many questions is the SD L&H?
The SD L&H consists of 145 questions. Candidates are given 150 minutes to complete the exam.
What is the passing score for the SD L&H?
The passing score for the SD L&H is a scaled score of 70 out of 100, as set by South Dakota Division of Insurance (Department of Labor and Regulation). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the SD L&H exam cost?
The SD L&H exam fee is $95. This fee is set by South Dakota Division of Insurance (Department of Labor and Regulation) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the South Dakota Life & Health exam?
The South Dakota combined Life & Health exam has 145 scored questions, a 150 minutes time limit, a $95 exam fee. Passing requires a scaled score of 70 out of 100. It is delivered by Pearson VUE.
Does South Dakota require prelicensing education for Life & Health?
No. South Dakota does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the South Dakota Life & Health exam?
South Dakota requires a scaled score of 70 out of 100 on the Life & Health exam. Confirm the current standard with South Dakota Division of Insurance (Department of Labor and Regulation), since passing standards can change.
Is the Life & Health exam different in South Dakota than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but South Dakota tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by South Dakota Division of Insurance (Department of Labor and Regulation).
C3RT is a native iOS and macOS exam preparation platform covering the South Dakota Life & Health Insurance License Exam (SD L&H), a Insurance Licensing certification, administered by South Dakota Division of Insurance (Department of Labor and Regulation). C3RT is not affiliated with or endorsed by South Dakota Division of Insurance (Department of Labor and Regulation). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the South Dakota Division of Insurance (Department of Labor and Regulation) official website ↗ .