Life & Health FAQs
Answers to the most common questions about the Life & Health insurance exam.
Does this course prepare me for the Life & Health Insurance exam in my state?
Yes, our Life & Health course includes the material for all 50 states, and the District of Columbia. Some states use slight variations in the naming, e.g. the Life, Accident, and Health Insurance exam (LAH); this is the same course.
Does this course come with a certificate of completion for my state?
Insurance licensing requirements vary state-by-state. The following states do not require a certificate of completion: Alabama, Alaska, Arizona, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Dakota, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wyoming.
Other states have specific pre-licensing requirements, and we are working to ensure we meet them for every state. Please select your state on the purchase page to see if there are any additional requirements.
Should I take the Life & Health Insurance exam together or separately?
Some states offer you the choice of taking the Life & Health Insurance exam together or separately. Achievable's course can handle either use case - if taking them separately, just study one half of the course, then the other. But in terms of test-taking, let's go over the benefits of each approach:
Taking the combined Life & Health insurance exam means you will be studying and passing one exam that covers both property and casualty insurance topics simultaneously. The main benefit of the combined exam is that allows individuals to enter the insurance industry more quickly, which is why many companies prefer you pursue the combined exam path first. However, it also means that you will need to learn and memorize both topics in the exam at the same time, which can be difficult for some learners.
Conversely, taking the Life & Health exams separately gives you more time to study for each insurance exam category. This can be a wise and calculated approach if you are worried about passing the exams and have more time, especially if you are new to the material. This approach allows you to focus more narrowly and become proficient in one area before transitioning to the other. The drawback is that this approach can take more time than pursuing the combined exam, and it may be slightly more expensive to sit for two tests in some states.
What is the pass rate of the Life & Health Insurance exam?
The national pass rate for the Life & Health Insurance exam is 65%.
Notably, the national pass rate for the Life exam alone is 62%, and the national pass rate for the Health exam alone is 63%. This shows that there is not a pass rate advantage when taking these exams separately versus together.
See our full list of pass rates for insurance exams in each state.
How do I sit for my exam?
The Life & Health Insurance exam is offered both remotely and in-person throughout the year. However, exam date availability may vary depending on your nearest Prometric, PSI or Pearson VUE testing center.
How long does it take for your registration to be official?
Upon passing the Life & Health Insurance exam, you will receive a paper with instructions on applying for your state license, though you might need to wait a couple of days for the test center to confirm your passing score before applying.
How many times can you take the Life & Health Insurance exam?
There is no limit on how many times you can take the Life & Health Insurance exam. Still, depending on the state, there may be restrictions such as waiting periods between attempts or limits on the total number of retakes within a certain time frame.
Pass the L&H insurance exam.
Guaranteed.Achievable is the best online exam prep course: effective, personalized, and convenient. With Achievable, you'll spend less time studying and pass your exam the first time.