Life And Health Insurance Agent Licensing Practice Exam
Take this free practice test to get an idea of what is on your state’s life and health insurance agent licensing exam.
As an insurance agent, one is allowed to offer many different lines of coverage provided that the required training and testing qualifications have been met. Those who wish to sell life and health insurance are required to possess the proper licensing for each state in which they conduct business. In order to obtain a life and health insurance license, individuals must take and successfully pass an exam that is offered by the state licensing boards.
To prepare for your licensing exam, use the full-length Life & Health Insurance Agent Practice Exam with answers fully explained for ideal study.
The practice exam is written by Susan Wright, MBA, CLU, RHU, REBC, who has over 20 years of experience in the insurance industry and Noah Sobin, an life insuance underwriting expert.
The following practice exam is a sample from the full-length test.
Are You Considering Getting Your Texas Life And Health Insurance License
If you are searching for information about how to pass the Texas Life and Health insurance exam, you have come to the right place. As you will see, this page is the #1 resource for everything you need to know about how to pass the Texas Life & Health exam. My name is Scott Schultze, and I am the director of insurance licensing content here at PassMasters. For over 20 years, my family has been teaching people in Texas how to get their insurance licenses.
Read on to find answers to the most commonly asked questions related to taking this exam. Do you have a question that isnt answered below? If so, submit it to us on our Contact Us page and we will get right back to you and add your question to this page. If you have been studying to pass this exam and just arent getting it, or have taken the exam and failed, we can help. You can sign up with us here.
What Will The Texas Life And Health Insurance Exam Questions Look Like
All Texas insurance exams are multiple-choice and delivered via computer. The questions you will encounter on the life and health exam in Texas are pulled for each individual test-taker by Pearson VUE from their databank of thousands of questions. In other words, each exam is different and created for each individual test taker.
This is why it is so important to understand the concepts found in the exam outline to successfully answer any question you encounter on the exam. Below you will find a few sample life and health exam questions pulled directly from our Texas life and health insurance exam prep course, which are similar to those you will encounter on the exam:
Life Sample Questions:
Ralph Macchio owns a 30-pay life policy that he purchased at the age of 30. The cash value will equal the face amount of the policy when he reaches the age of:
A. 60D. 100
Answer: DExplanation: Limited-pay life insurance policies such as life paid up at 65, or 20-pay life are simply variations of whole life policies. The cash value will equal the face amount of the policy at the maturity of the policy, which is always age 100 on whole life policies. These limited-pay policies are designed so that the insured may pay his or her premiums faster and be paid up at a certain age. However, just because the premiums are paid up doesnt mean the policy has matured.
Dividend projections may be included in a proposal for life insurance when which of the following is true?
Health Sample Questions:
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How To Pass The Life And Health Insurance Exam
Once you have completed your pre-licensing education course, its time to take the life and health insurance exam. Depending on your state, you may be able to take them in one combined exam or have to register for two separate tests. Your pre-licensing course will go over which exams you can register to take.
Passing all insurance exams is all about preparation. Most states allow a period of around 90 days to take the exam after you complete your course.
The sooner you register for and take the exam, the more fresh the information will be in your mind. Do not wait the full 90 days unless you have scheduling conflicts that prevent an earlier test date.
Life And Health Insurance License Exam Practice Test
Life is so precious and beautiful but so limited too. Health is the primary key to a fair and peaceful life. Sometimes, there come unwanted situations in life when our health is compromised, so, you must have prior knowledge of health and protection schemes which are directly related to your finance. Take this quiz and test your understanding of life and health insurance policies.
- A health maintenance organization plan contains costs by promoting
- A.& nbsp
A level death benefit with an increase in premium
A level death benefit with a decrease in premium
A decreasing death benefit with a level premium
An increasing death benefit with a level premium
Surrenders the right to change the premiums
Reserves the right to change any of its terms
Reserves the right to change the premiums, but may not change any of its terms
May not renew the policy if the insured ceases to comply with certain conditions such as continued employment
Employees no longer had any legal means of obtaining reimbursement for work injuries
Employees would have to sue their employers to obtain reimbursement for work injuries
Employers were no longer responsible for work injuries to employees
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Life And Health Insurance Prelicensing And Exam Prep
Kaplan Financial Education offers diversified life and health insurance prelicensing packages and tools tailored to fit a variety of budgets and learning styles. From traditional live classes to OnDemand online courses to self-study programs, professionals consistently look to Kaplanâs experts for learning options that work.
Is The Life And Health Insurance Exam Hard
The National Association of Insurance Commissioners reported that the overall pass rate of the life and health insurance joint exam is 64.8%. It has the highest pass rate of all insurance licensing exams, although that does not mean that it is easy or that you do not need to focus on studying. In general, more people choose to take the combined life and health exam when available than the individual life or health licensing exams.
Once you pass the life and health insurance exam, you will get a PASS designation on your computer screen at the test center. You are now on your way to becoming a life and health insurance agent. You will need to complete your states application, including a background check and fingerprinting.
If you do not pass the life and health insurance exam, you will receive a FAIL notification and get more detailed information about your test results. This will help you tailor your studying to address the areas that you need to review before retaking the exam.
You will be able to schedule another exam attempt 24 hours after your test using the same process. Your completed pre-licensing education course will satisfy the requirement for multiple exam attempts, often up to five attempts or 90 days. Check with your state and pre-licensing education instructor to determine the steps to rescheduling an exam, if needed.
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Free Insurance Practice Test
CompuCrams insurance exam prep product provides all the tools and resources necessary to pass the insurance test the first time. Try our FREE insurance practice test after you fill out the form below:
Build your confidence and industry expertise with CompuCrams exclusive system of combining simulated insurance agent practice exams, study vocabulary, and insurance industry practice testing.Show more
The CompuCram Insurance Agent practice exam delivers on ALL of the following:
What Can I Expect On Test Day
While the day of the test will vary by state, there are some similarities. Youll need to present a photo ID, most likely a government-issued one. You may be required to present your test confirmation to ensure youre taking it at the right day, time, and location. If there were pre-test requirements, you may be asked to provide proof that you successfully completed them.
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When Will I Know If I Passed
Depending on the state, you could know as soon as the test is over.
So how to you get through this? Whats the best way to prepare? Where can I find a best-in-class study guide?
Mometrix has a number of tools that can help you study for the Life & Health Exam.
Our comprehensive study guide has been researched by a team of professionals with years of experience helping educators prepare for exams just like this one. The guide provides specifics on how to tackle the questions youll be asked. And, if youre worried at all about buying the guide, dont worry. We offer a 100% risk-free, money-back guarantee.
Our large, easy-to-read flashcards help you learn through repetition, and the questions cover every content area of the exam. Not only that, the cards make it easy for a friend or relative to help quiz you on the questions youll need to know to pass the Life & Health Exam.
Where Is The Texas Life And Health Insurance Licensing Exam Given
Pearson VUE has many testing locations throughout Texas. Regardless of which one you choose to take your exam at, Pearson VUE recommends you arrive at the testing center at least 30 minutes before your scheduled exam so you can check-in. You should also be aware the testing center is a very serious place. They may make you empty your pockets and put all your personal belonging in a locker in the waiting room before you enter the testing room.
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What Is The Texas General Lines Life Accident & Health Exam Code
You will need to know this information when you schedule your test. In Texas, there are two versions of the General Lines Life, Accident, and Health test. One version is delivered in English and one is in Spanish. Here are the exam codes for each version:
How Do I Schedule My Life & Health Insurance Exam In Texas
You can schedule your exam with Pearson VUE online at or by calling them at 1-888-754-7667. You must be at least 18 years of age before sitting for the exam and have a valid Social Security number.
Pro tip: Make sure to schedule your exam well in advance of completing our course so you can make sure to get the date and time you want at the test center of your choice. Pearson VUE encourages candidates to make their exam reservation at least twenty-four hours in advance. We recommend even further in advance. Keep in mind exam testing fees are not accepted at the test center.
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What Is The Time Limit For The Exam
The exam has a 150-minute time limit. This breaks down to one minute per question, which should be more than enough time. We have never had a study run out of time. However, its not a race. If you go too quickly you are guaranteed to miss a question or two simply because you misread it. Take your time and read the entire question before you look at any answers. There are no scheduled breaks during this exam, however, if you need to use the bathroom, or get a drink, do it!
How To Study For The Life And Health Insurance Exam
Many states require test-takers to complete an authorized pre-licensing education course. Even if it is not a required part of your insurance license process, a pre-licensing education course is the best way to prepare for the life and health insurance exam.
For pre-licensing education courses, StateRequirement recommends:Kaplan Education Company
Pre-license education requirements are typically around 20 hours for the life insurance exam, 20 hours for the health insurance exam, and 40 hours for a combined exam, but can vary depending on your state.
You can choose between an in-person course, workbook, self-guided online course, or facilitated online course. Consider your other commitments and style of learning to determine the best fit for you.
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Life And Health Insurance Exam Study Tips
There is a lot of information covered in the life and health insurance licensing exam. It helps to break down your efforts into manageable chunks, with practice questions interspersed throughout your studying. A pre-licensing education course will do this for you by providing study modules online or through a workbook.
What Type Of Skills Do I Need
Since insurance agents determine the needs of their clients, excellent analytical skills are a big plus. Insurance agents regularly talk with clients, youll need to be a very skilled communicator. You need to be self-confident and be willing to take the initiative since youll be seeking out new clients.
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Life And Health Insurance License Exam Guide
: Katie Begley
Getting your life and health insurance license is required to become a life or health insurance agent. This growing field provides opportunities to build a rewarding career helping clients and their families prepare financially for accidents, illness, and death. One of the most important steps to becoming a life and health insurance agent is passing your states insurance licensing exam.
All insurance licenses are state-specific. Some states test for life insurance and health insurance licenses separately, while others offer a combined exam. Learning your states requirements is critical to understanding your individual path to becoming a licensed insurance agent.
Once I Pass How Do I Go About Getting My Texas Life And Health Insurance License
The TDI will issue an insurance license to individuals who:
Are at least eighteen years old Have passed the proper licensing examination and submit a completed application within twelve months after the exam is passed Submit a completed application with fee, and fingerprint receipt Met all applicable license requirements Have not committed an act for which a license may be denied, as defined under §4005.101 of the Texas Insurance Code and §1.502 of 28 Texas Administrative Code
You can apply electronically for your license as directed at www.sircon.com/texas after you have passed the exam. As mentioned above, your exam score report is only valid for 12 months from the date of issuance. If you dont apply for your license within 12 months, the licensing exam must be taken again.
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How Many Questions Are On The Health And Life Insurance Exam In Texas
There are 150 questions total on the Texas Life & Health insurance licensing exam. The exam is made up of two parts as follows:
Part 1 General Knowledge100 scoreable questions plus 15pretest questions
Part 2 State-Specific Content 30 scoreable questions plus 5pretest questions
What is a pretest question? Well, before Pearson VUE can consider a test question statistically valid, they must test it out using the test takers as a guinea pig. If everyone gets the answer right, or wrong, the question is deemed invalid and is not used any further.
You WILL NOT know which questions are pretest questions. However, they do not count towards your score. They are usually related to newer laws and concepts, so if you see a question out of left field, just assume it is a pretest question, do your best, answer it, and move on.
Who Gives The Texas Insurance License Exam
Since insurance is regulated by state law, it is the Texas Department of Insurance, or TDI, who decides who administers the insurance licensing exam in Texas. Did you know, in some states the insurance exam is actually given by the Department of Insurance itself? Well, not in Texas. In Texas, the TDI has secured Pearson VUE, which is an IT service management company that has secured many state insurance license exam contracts throughout the nation. Pearson VUE also administers licensing exams for many other professions in Texas.
It is Pearson VUE that comes up with the exam questions you will encounter on your life and health insurance licensing exam. Essentially, Pearson VUE administers the entire insurance license exam process for Texas, on behalf of the TDI.
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