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Free practice tests and study guides covering life and health, property and casualty, and insurance regulations to help you pass your state insurance license exam.
The insurance licensing exam is required in every state before you can legally sell, solicit, or negotiate insurance contracts. The exam you take depends on which lines of authority you are pursuing. The two broadest categories are Life and Health and Property and Casualty, each of which may be tested separately or combined.
The Life and Health exam covers term and permanent life insurance products, annuities, health insurance policy types, disability income, Medicare and Medicaid basics, group insurance, policy provisions and riders, and the federal and state regulations that govern these products.
The Property and Casualty exam covers homeowners and dwelling policies, commercial property, general liability, auto insurance, commercial package policies, workers' compensation, and the state regulations and ethics rules that apply to P&C producers.
Both exam types include a significant component of state-specific law covering licensing requirements, unfair trade practices, policy cancellation and non-renewal rules, and the duties of producers and insurers. ExamsLib provides free practice questions and study guides to help you master the concepts behind these rules, not just the definitions.
Core topic areas
Read the study guide and skim every topic page.
Work through topic quizzes and review the explanation behind every miss.
Take timed, full-length practice tests until you pass consistently.
Take our free insurance licensing practice test with 20 questions covering life and health, property and casualty, and regulations. See your score instantly.
Free 25-question insurance practice exam covering life and health, property and casualty, and insurance regulations basics. Instant scoring with explanations.
Free insurance pre-license practice test with 25 questions on life, health, P&C coverages, and producer rules. Get your score and per-question explanations.
Free 25-question insurance exam simulator mixing life and health, property and casualty, and state regulation. Foundations level with full answer explanations.
Every tier comes with a free, timed practice test and explanations for each answer.
The life and health insurance exam covers life insurance products, annuities, health insurance, disability income, Medicare supplements, group coverage, policy provisions, and state insurance law.
Practice this examThe property and casualty insurance exam covers homeowners, dwelling, commercial property, liability, auto, workers' compensation, package policies, and state P&C regulations and ethics.
Practice this examBy state
Licensing requirements, fees, and exam formats vary by state. Pick yours for local details.
What is the difference between a Life and Health license and a Property and Casualty license?
A Life and Health license authorizes you to sell life insurance, annuities, and health-related insurance products. A Property and Casualty license authorizes you to sell policies that protect against property damage and liability, such as homeowners, auto, and commercial insurance. They are separate license lines that require separate exams in most states.
How many questions are on the insurance licensing exam?
Most state insurance licensing exams contain 100 to 150 questions depending on the line of authority and the state. Some exams combine a general section with a state-law section. Confirm the current format with your state insurance department or approved exam provider.
What passing score is required for the insurance licensing exam?
Most states require a score of 70 percent or higher. Some states score general insurance content and state-specific law sections separately, each with its own passing threshold. Verify current requirements with your state insurance department.
Do I need to complete a pre-licensing course before the exam?
Yes. Most states require completion of a state-approved pre-licensing education course before sitting for the licensing exam. Required hours vary by state and line of authority. Confirm current requirements with your state insurance department.
How long does an insurance license remain valid?
Most states issue insurance producer licenses valid for two years, subject to continuing education requirements for renewal. CE requirements, renewal fees, and renewal procedures vary by state. Always confirm current requirements with your state insurance department.
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