How many questions are on the life, accident, and health insurance license exam?
The question count depends on the state, because there is no single national exam. Tennessee's Life and Health exams each carry 68 scored questions with 105 minutes and a passing score of 70, while combined life-and-health exams in other states commonly run to about 150 questions. Most states set the passing score at 70%, though California requires 60% on its producer exams.
The combined Alabama Life and Health exam has 150 questions in a 3-hour session, and you need 105 correct answers to pass. The Health-only exam has 100 questions (70 to pass), and the Life-only exam is longer, requiring 87 correct answers. A score of 70% or more is passing on every version.
Sources: University of Alabama: Alabama insurance testing (state exam administrator).
As of the March 3, 2025 exam outlines, the Alaska Life exam has 90 scored questions: 50 on the general portion plus 40 on the Alaska state portion, with 5 and 10 pretest questions respectively that do not count toward the score. The Accident & Health exam has the same structure: 50 general plus 40 Alaska-specific scored questions, with 5 and 10 pretest items.
Sources: Alaska DOI: Individual application and instructions (form 08-240); Alaska DOI: Reinstate an expired license (form 08-307c).
The combined Life, Accident and Health exam has 150 questions with 195 minutes to complete, and passing takes 60%. Taken separately, the Life exam has 75 questions in 105 minutes, and the Accident and Health exam has 75 questions in 105 minutes.
Sources: PSI: California insurance candidate information bulletin (revised March 2026); CA Dept. of Insurance — Exam Info (Examinations: Time Limit and Number of Questions).
The Life exam has 80 scored questions (50 general plus 30 Colorado-specific), and the Accident & Health exam also has 80 scored questions (50 general plus 30 state), per the Pearson content outlines. Each exam also includes unscored pretest questions, which do not affect your score. Both exams allow 2 hours.
Sources: Pearson VUE: Colorado Insurance Licensing Candidate Handbook (July 2026, #120600).
The combined Life, Accident & Health or Sickness producer exam has 130 scored questions: 100 general-knowledge questions plus 30 Connecticut-specific questions, per the content outlines effective September 1, 2026. The exam also includes unscored pretest questions. It costs $105 and allows 2.5 hours, per the March 2026 Pearson candidate handbook.
Sources: Pearson VUE: Connecticut insurance candidate handbook (March 2026, #120700).
The Delaware Life Producer exam has 90 scored questions: 50 general-knowledge questions plus 40 state-specific questions. The Accident and Health Producer exam has 92 scored questions: 50 general plus 42 state-specific. Both exams also include unscored pretest questions.
Sources: Delaware Code Title 18 Chapter 17: Licensing of Professional Insurance Personnel (producers and adjusters); Delaware Code Title 18 Chapter 7: Fees and Taxes (18 Del. C. §701 fee schedule).
The DC Life exam has 80 scored questions, made up of 50 general-knowledge and 30 DC-specific questions, plus unscored pretest questions. The Accident & Health exam has 75 scored questions, made up of 50 general-knowledge and 25 DC-specific questions, plus pretest questions. Each exam allows two hours, and the required passing score is 70.
Sources: D.C. Code 31-1131.05: Examination prior to licensure; D.C. Code 31-1131.05a: Pre-licensing education.
The Florida 2-15 Health & Life exam has 165 total questions: 150 scored plus 15 unscored pretest, with a time limit of 2 hours and 45 minutes. A passing score of 70% means 105 correct answers on the scored questions. The separate Life (2-14) and Health (2-40) exams each contain 100 total questions (85 scored plus 15 pretest) with a 2-hour time limit.
Sources: Pearson VUE — Florida Insurance Examination Content Outlines (effective January 1, 2026).
The ID Life Producer exam has 75 scored questions, and the ID Disability/Health Producer exam also has 75 scored questions. Each exam runs 120 minutes and costs $65. Exams are offered in English and Spanish, and each line of authority is its own test.
Sources: Idaho Department of Insurance — Testing and Fingerprints page; Idaho DOI: Testing and fingerprints.
The Life and Accident & Health licensing exams are each split into a General exam and a State exam. Per the Pearson VUE content outlines effective January 1, 2026, the Life General exam has 50 scored questions plus 5 pretest and the Life State exam has 31 scored plus 5 pretest. The Accident & Health General exam has 50 scored plus 5 pretest, and its State exam has 39 scored plus 5 pretest.
Sources: Illinois IDOI: How to become a resident producer (Illinois insurance agent); Illinois IDOI: Fee schedule.
The Iowa Life exam (12-IA-01) has 87 total questions: 77 scoreable (50 general knowledge plus 27 Iowa-specific) plus 10 unscored pretest questions, with a 2-hour limit. The Accident & Health exam (12-IA-02) has 90 total questions: 80 scoreable (50 general plus 30 Iowa-specific) plus 10 pretest, also in 2 hours. Each exam costs $44.
Sources: Pearson VUE: Iowa insurance candidate handbook (incl. content outlines, July 2025 / effective Jan 2026).
The combined Kansas Life and Accident and Health Producer exam has 140 scored questions plus 14 pretest questions, with 150 minutes allowed. Taken separately, the Life exam and the Accident and Health exam each have 84 scored questions, plus 11 pretest questions, with 90 minutes allowed. Pretest questions do not affect the score, and the passing score is 70% on every Kansas insurance exam.
Sources: Pearson VUE: Kansas Insurance Licensing Candidate Handbook (July 2026, #121700).
The combined Life, Health and Accident or Sickness exam (PSI Series 103) has 150 questions, and you have 160 minutes to complete it. You pass the exam by scoring at least 70%. The fee for this exam is $58, and your score is displayed on screen when you finish.
Sources: PSI Examination Content Outlines — Louisiana Insurance (Series 103 and Series 106), per LDI Candidate Information Bulletin; PSI: Louisiana Department of Insurance candidate information bulletin.
The combined Life and Accident and Health or Sickness Producer exam has 130 scored questions plus 10 unscored experimental questions, with a 2.5-hour time limit. The separate Life Producer exam has 80 scored questions (plus 10 unscored) in 1 hour 45 minutes, as does the Accident and Health or Sickness exam. A passing score is 70% or higher.
Sources: Prometric: Property and Casualty Producer — Combo exam outline (Series 20-32).
The combined New York life, accident & health exam (PSI exam 17-55) has 150 questions with a 2.5-hour time limit. The single-line life exam and the accident & health exam each have 100 questions and 2 hours. You must get at least 70% correct to pass, and your score is displayed on screen at the end of the exam.
Sources: PSI: New York DFS insurance candidate information bulletin.
The Life exam and the Accident and Health or Sickness exam each have 55 scored questions plus 5 unscored pretest questions. Each exam allows 1 hour and 15 minutes, costs $45 per attempt, and requires a passing scaled score of 70 on a 0-to-100 scale. Pretest questions do not affect your score.
Sources: Pearson VUE: North Carolina insurance candidate handbook (October 2025).
The combined Life, Accident & Health exam (Series 11-35) has 150 questions and a 2.5-hour time limit. If you take the lines separately, the Life exam (Series 11-44) and the Accident & Health exam (Series 11-45) each have 100 questions and a 2-hour limit. The minimum passing score is 70% on all Ohio insurance exams.
Sources: PSI: Ohio insurance candidate information bulletin.
The Oregon combined Life and Health Insurance Producer exam (series 12-03) contains 150 scored questions, and candidates get 2 hours and 40 minutes to complete it. The exam may also include 5 to 10 experimental, unscored questions. You need 70% correct to pass.
Sources: PSI Services LLC — Oregon Producer's Examination for Life and Health Insurance Series 12-03 Content Outline (linked from the PSI State of Oregon Candidate Information Bulletin, 8/5/2025, hosted by Oregon DFR).
The Pennsylvania Life, Accident and Health exam (16-03) has 150 multiple-choice questions and runs about 2 hours and 50 minutes, combining the content of the separate Life (16-01) and Accident and Health (16-02) exams. You must pass the overall combined exam with at least 70% to obtain a license in either line. The exam fee is $55.
Sources: Pennsylvania Sircon (Vertafore) producer portal; 31 Pa. Code Ch. 39a: Education and training for applicants and insurance producers; PSI: Pennsylvania Insurance Licensing Examination Candidate Information Booklet.
The Rhode Island Life Producer exam has 80 scoreable questions (50 general plus 30 state), and the Accident & Health Producer exam also has 80 scoreable questions (50 general plus 30 state). Each exam also mixes in 5 unscored pretest questions, and the time allowed is 1 hour 15 minutes for the general section plus 45 minutes for the state section.
Sources: Pearson VUE: Rhode Island insurance content outlines (effective May 28, 2026).
The General Lines Life, Accident, and Health exam has 130 scoreable questions: 100 on general insurance knowledge and 30 on Texas laws and rules, plus 15 unscored pretest questions. You get 150 minutes, the exam fee is $49, and the passing score is a scaled score of 70. These question counts are effective September 1, 2026.
Sources: Pearson VUE: Texas insurance licensing candidate handbook (October 2024).
The combined Life, Accident and Health producer exam (Prometric series 17-03) has 150 questions and a 2.5-hour time limit. If you take the lines separately, the Life exam (17-01) and the Accident and Health exam (17-02) each have 100 questions and a 2-hour limit. Each exam includes 5 unscored experimental questions.
Sources: Prometric: Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025).
The Virginia Life, Annuities and Health exam (Series 11-01) has 150 total questions: 140 scored plus 10 unscored pretest questions, with a 2.5-hour time limit. If you take the separate Life and Annuities exam or the separate Health exam, each has 105 total questions and a 2-hour limit.
Sources: Prometric: Virginia Bureau of Insurance Licensing Information Bulletin (effective December 13, 2024); Prometric — Virginia Life and Annuities Insurance Examination Content Outline (Series 11-05), administered for the Virginia Bureau of Insurance.
The combined Life and Disability Producer exam has 150 questions in 195 minutes. Each single-line exam, Life alone or Disability alone, has 100 questions in 150 minutes. Washington calls the health line of authority "disability"; health, accident, and sickness all refer to the same line. You must score at least 70% to pass.
Sources: PSI: Washington OIC insurance license exam candidate information bulletin.
The West Virginia Life exam has 90 questions with a 120-minute time limit, and the Accident & Health or Sickness exam has the same format. Each exam covers national general-knowledge material plus West Virginia-specific insurance law. The passing score is 70 on a 0-100 scale, and the exam fee is $84.
Sources: Pearson VUE: West Virginia Insurance Candidate Handbook (September 2026); West Virginia Offices of the Insurance Commissioner fee schedule and Pearson VUE West Virginia Insurance Candidate Handbook (September 2026).