What is the life and health insurance license exam, and how do I take it?
The life and health insurance exam is the state licensing test for the life and accident and health lines of authority, covering life policies, annuities, disability, medical and long-term care coverage, and state insurance law. You register with the state's contracted exam administrator, usually Pearson VUE or PSI, after completing any required prelicensing education; New York, for example, requires at least 40 hours for the combined license. Most states require a 70% passing score, though California producer exams pass at 60%, and most candidates study roughly 35 to 40 hours.
The combined Life & Health exam is the Alabama producer exam covering both lines; it has 150 questions, allows 3 hours, and requires 105 correct answers (70%) to pass. You register and pay the $75 fee through the University of Alabama, online or by calling (205) 348-3000, at least 7 days before your test date. It is offered at testing sites in Birmingham, Huntsville, Mobile, Montgomery, and Tuscaloosa, or online with remote proctoring.
Sources: University of Alabama: Alabama insurance testing (state exam administrator).
Alaska's life and health insurance licensing exams are administered by Pearson VUE, and candidates schedule them at pearsonvue.com. Each exam has two parts: a general portion covering product knowledge and an Alaska portion covering state insurance law. The exam fee is $89, the passing score is 70, and results are valid for one year from the test date.
Sources: Pearson VUE: Alaska insurance candidate handbook.
The life and health exam is Arizona's licensing test for producers who sell life, accident, and health products. A combined Life, Accident and Health or Sickness exam (Series 13-33) costs $59, or you can take the separate Life and Accident and Health exams for $50 each. Register online through PSI's Arizona portal or by phone at 877-215-7924; you need 70% to pass, and the exam is offered at Arizona test centers or by remote online proctoring.
Sources: PSI: Arizona insurance candidate information bulletin (revised June 11, 2026).
The Arkansas Life and Health licensing exams are closed-book, computer-based exams administered by PSI, and you must score 70% to pass. Each exam allows 2.5 hours and costs $50, paid at scheduling, and the two can be taken together. Arkansas requires you to complete the resident application through NIPR before the exam; you then have 90 days from your approval-to-test date to pass, with a maximum of 3 attempts in that window.
Sources: Arkansas AID: 23 CAR pt 14 prelicense education for producers and adjusters; PSI: Arkansas insurance candidate information bulletin.
The Life, Accident and Health exam is California's qualifying exam for a full life agent license, covering both the Life-Only and Accident and Health lines in one sitting of 150 questions in 195 minutes, with a 60% score required to pass. You schedule it through PSI online or by phone at (833) 518-7456, paying the CDI examination fee of $55 plus a $43 PSI convenience fee. The exam is offered in English, Spanish, Simplified Chinese, Vietnamese, Korean, and Tagalog. You must also complete the 12-hour ethics and California Insurance Code course before the license can be issued.
Sources: PSI: California insurance candidate information bulletin (revised March 2026); California CDI: Insurance license exam info; Cal. Ins. Code 1749: Prelicensing education requirements by license type.
The Life and Accident & Health exams are the Colorado Division of Insurance licensing tests for those lines, administered by Pearson. Each runs 2 hours with 80 scored questions plus unscored pretest items. You make a reservation at Pearson's Colorado insurance website, and one $41 fee covers up to two exams taken in a single session. Walk-in examinations are not available.
Sources: Pearson VUE: Colorado Insurance Licensing Candidate Handbook (July 2026, #120600).
The life and health exam is the Connecticut licensing test Pearson VUE administers for producers who want the Life, Accident & Health or Sickness lines. Each single-line exam costs $65 and runs 2 hours; the combined exam costs $105 and runs 2.5 hours, as of March 2026. Reserve online at least 24 hours in advance (walk-ins are not available), and bring two forms of current signature ID plus your pre-licensing certificate or waiver letter. The passing score is 70%.
Sources: Pearson VUE: Connecticut insurance candidate handbook (March 2026, #120700).
Life and health are two separate Pearson VUE licensing exams in Delaware: the Life Producer exam has 90 scored questions (50 general, 40 state) and the Accident and Health Producer exam has 92 (50 general, 42 state). Each exam costs $90, but if you schedule both on the same day you pay only one fee. You book online at the Pearson VUE website or by phone at 800-274-0455 at least 24 hours ahead and bring two forms of signature identification.
Sources: Pearson VUE: Delaware Insurance Candidate Handbook (June 2025).
The DC life and health exams are separate Pearson VUE licensing exams; no combined exam is offered, and each has a 2-hour time limit. To take one, reserve online or by phone at least 24 hours ahead, pay the $75 exam fee, and pass with a scaled score of 70.
Sources: Pearson VUE: District of Columbia insurance candidate handbook.
The life and health insurance license exam is the Florida 2-15 exam, with 150 scored questions plus 15 pretest questions and a time limit of 2 hours 45 minutes. You schedule it through Pearson VUE, which administers all Florida insurance exams, and the fee is $44 per attempt. You may reserve only a physical test center, because online proctoring is no longer available for new reservations, and you are limited to 5 attempts for the same exam type in a 12-month period.
Sources: Pearson VUE — Florida Insurance Examination Content Outlines (effective January 1, 2026); Florida DFS: licensing examinations.
The Georgia Life and Accident & Sickness exam is the state licensing exam for life and health agents, administered by Pearson VUE. The combined version (exam 12-GA-05) allows 2.5 hours, costs $67, and requires a 70% score to pass. You must reserve at least 24 hours in advance at pearsonvue.com, and you must pass the exam within one year of completing your 8-hour Life and 8-hour Accident and Sickness prelicensing courses.
Sources: Pearson VUE: Georgia Insurance Licensing Candidate Handbook (Oct 2026, #121100).
The life and health exams in Idaho are two separate tests: the ID Life Producer and ID Disability/Health Producer exams, each costing $65 and lasting 120 minutes with 75 scored questions and a 70% passing score. You schedule them through Pearson VUE, at a testing center or remotely via OnVue, in English or Spanish. After passing, you submit fingerprints and apply online through NIPR.
Sources: Idaho DOI: Testing and fingerprints; Idaho Department of Insurance — Testing and Fingerprints page.
The Life and Accident & Health exams are the Pearson VUE licensing tests Illinois requires for each line of authority. You first complete 20 hours of pre-licensing education per line (7.5 hours in a classroom), then register through Pearson VUE for both a General exam and a State exam, which are separate registrations. Each exam costs $92, with a $92 discount when the pair for one line is ordered together, and the passing score is 70. You must pass both exams within 90 days of each other. Bring your pre-licensing completion certificate to the test center or you will not be allowed to sit.
Sources: Illinois IDOI: How to become a resident producer (Illinois insurance agent); Illinois IDOI: FAQs – Producer licensing exam changes (Pearson VUE testing).
The Indiana Life and Health exam is the state licensing test for the combined Life, Accident and Health line, administered by Pearson VUE. It contains 150 questions over 180 minutes, costs $69, and requires a passing score of 70. To take it, you must first complete the required 40-hour Life, Accident and Health pre-licensing course, then reserve a seat online at least 24 hours in advance and bring your course completion certificate and a government-issued photo ID to the test center.
Sources: Pearson VUE: Indiana insurance candidate handbook (Aug 2026); Indiana Department of Insurance — Bulletin 160 (Producer Minimum Flood Training Requirements), reproduced on FEMA FloodSmart for Agents State Training Requirements.
In Iowa, life and accident and health are two separate Pearson VUE exams: Life (12-IA-01) has 77 scoreable questions and Accident & Health (12-IA-02) has 80 scoreable questions, each 2 hours long and $44. Each exam mixes a general insurance section with an Iowa-specific law section, plus unscored pretest questions. Reserve at least 24 hours ahead online or at 877-540-5825, and test at a Pearson VUE center or online through OnVUE proctoring. You must submit your license application within 90 days of passing.
Sources: Pearson VUE: Iowa insurance candidate handbook (incl. content outlines, July 2025 / effective Jan 2026); Iowa IID: Insurance producers.
Kentucky requires a separate life examination and a separate health examination for those lines of authority, each with a $50 fee and a 70% passing score. You must first submit your application through NIPR, then schedule the exams through a Kentucky eServices account after the Department processes it. Exams are computerized and graded at the testing site, and you may retake an exam an unlimited number of times within a 120-day window.
Sources: NIPR: Kentucky Resident Individual Renewal Requirements; Kentucky DOI: Examination Schedule and Testing Sites.
The life and health exam is PSI Series 103, the combined Life, Health and Accident or Sickness exam, which costs $58. You schedule it through PSI and take it in person at a PSI testing location, since remote testing ended July 8, 2024. Your score is displayed on screen at the end, and you may retake a failed exam without limit during the one-year period.
Sources: PSI: Louisiana Department of Insurance candidate information bulletin.
The Life, Accident & Health exam (12-ME-01) is Maine's combined life and health producer exam. It runs 3 hours 30 minutes, costs $80, and has 136 scoreable questions plus unscored pretest questions. You schedule it through Pearson VUE online or by phone at least 24 hours ahead, take it at a test center because walk-ins are not available, and need a scaled score of 70 to pass.
Sources: Pearson VUE: Maine insurance candidate handbook (incl. exam content outlines, March 2026).
The Life and Accident and Health or Sickness Producer combo exam is Maryland's combined life and health licensing exam, administered by Prometric. It has 130 scored questions plus 10 unscored, with a 2.5-hour time limit; the standalone Life exam has 80 scored questions in 1 hour 45 minutes. You need a score of 70% or higher, and the exam fee is $65 as of October 2026.
Sources: Prometric: Property and Casualty Producer — Combo exam outline (Series 20-32); Maryland MIA: Licensing and registration fees.
Massachusetts tests Life and Accident and Health as two separate exams, each with 80 scored questions (50 general knowledge plus 30 Massachusetts law) and a required scaled score of 70. You schedule through Pearson at least 48 hours in advance at pearsonvue.com/us/en/ma/insurance or 888-674-1558 and test in person at a Pearson test center; each exam costs $37. After passing, apply for the license through the National Insurance Producer Registry (NIPR).
Sources: Pearson VUE: Massachusetts insurance candidate handbook.
The Michigan life and health exam is the combined Life, Accident and Health Producer exam administered by PSI Services LLC under contract with the state Department of Insurance and Financial Services. It has 150 items, a 2.5-hour time limit, and a 75% cut score, and it requires 40 hours of pre-licensing education beforehand. You schedule it on PSI's website or by phone at 855-579-4639; the fee is $41, and exams are given only in person at PSI testing locations.
Sources: PSI: Michigan insurance candidate information bulletin; Michigan DIFS: Insurance pre-licensing education FAQ.
The combined Life, Accident and Health exam is the Mississippi producer test for both lines, built on the Pearson VUE content outline. It has 115 scored questions plus 10 pretest questions covering life policies, health policies, field underwriting, and Mississippi life and health insurance law. To sit for it, complete 20 hours of approved prelicensing education for each line of authority.
Sources: Mississippi Insurance Department — Pre-Licensing and Continuing Education Guidelines and Provider Packet.
The combined Life, Accident and Health exam (code 54) costs $40, runs 3 hours, and requires a scaled score of 70 to pass. It has a general product-knowledge portion and a Missouri-specific portion covering state statutes, rules, and regulations. You schedule it with Pearson VUE and take it in person at a test center; since May 7, 2025, Missouri no longer offers remote proctoring.
Sources: Pearson VUE: Missouri insurance candidate handbook (March 2026); Missouri DCI: Agent/producer continuing education requirements.
Pearson VUE administers Montana's licensing exams, including Life and Accident & Health. The Life exam has 86 scoreable questions (50 general plus 36 Montana state), and the Accident & Health exam has 92. You register online at least 24 hours before your test date and pay the $65 exam fee at reservation; a scaled score of 75 or higher is required to pass, and online proctored exams are also available through OnVUE.
Sources: Montana CSI: Producer, adjuster and consultant licensing; Pearson VUE: Montana insurance candidate handbook (June 2025).
The Life, Accident and Health or Sickness exam is the Nebraska licensing test for those lines; you can take one combined exam or separate Life and A&H exams. All versions require a 70% passing score and are administered by PSI at its testing centers, which you register with online. The single-line exams cost $43 and the combined exam costs $47. Nebraska requires no pre-licensing education before testing.
Sources: PSI: Nebraska Insurance Licensing Examination Candidate Information Bulletin.
The life and health exams are the Nevada producer licensing exams for those lines, administered by Pearson VUE. Nevada requires no prelicensing education, so you can register at pearsonvue.com/nv/insurance or call 800-274-2609 at least 24 hours before your desired date, pay $37 for a single-line exam or $47 for the Life/Health combo, and test at a center or online. Each exam has a general knowledge section and a Nevada-specific section with a single score, and you need a scaled score of 70 to pass.
Sources: Pearson VUE: Nevada Insurance Candidate Handbook (October 2024).
The Life, Accident and Health exam (PSI series 12-63, $72) is the New Hampshire licensing exam for combined life and health authority, and its combined results produce one final score. Separate exams exist for Life (12-61) and Accident and Health (12-62), each $59. You schedule online at PSI's New Hampshire page or by phone, and the exam fee is valid for one year from payment. As of July 6, 2026, the Life and Life, Accident and Health exams are available in person only at approved test centers, with remote proctoring suspended pending a security review.
Sources: PSI: New Hampshire insurance candidate information bulletin.
The exam is the New Jersey licensing test PSI Services administers for the Department of Banking and Insurance; the fee is $38 per attempt and you must score at least 70% to pass. It is multiple choice, typically lasts 2 to 3 hours, and is offered at New Jersey test centers or through remote online proctoring. Register at the PSI New Jersey website or by calling 1-800-733-9267, and bring your prelicensing course completion certificate to the exam.
Sources: PSI: New Jersey insurance candidate information bulletin; PSI: New Jersey insurance (NJDOBI) exam page.
The life and health exam is the state licensing test covering the life and accident-and-health-or-sickness lines of authority. New Mexico contracts with PSI to administer it at in-state test centers or by remote proctoring, and the fee is $75 per exam. You must answer at least 70% of the questions correctly to pass, and you get up to 4 attempts before a 6-month waiting period applies. New Mexico does not require a prelicensing course, so you may prepare with materials of your own choosing.
Sources: PSI: New Mexico Insurance Candidate Information Bulletin; NM Register Vol. XXXV No. 23: 13.4.2 NMAC Resident Producers and Other Resident Licenses (replacement rule eff. 4/1/2025).
The life, accident and health license exam is administered by PSI Services at computer testing centers in New York and by remote proctoring. The combined Life, Accident and Health exam has 150 questions with a 2.5-hour time limit, and you must get 70% correct to pass. Before scheduling, complete 40 hours of Department-approved prelicensing education (20 hours for life only or accident and health only). The exam fee is $40, and you must apply for the license within 2 years of passing.
Sources: PSI: New York DFS insurance candidate information bulletin; New York DFS: Agent and broker prelicensing education; New York DFS: Life, accident and health agent and broker licensing; New York DFS: Property and casualty / personal lines agent or broker licensing.
In North Carolina, these are the state licensing exams for the Life and the Accident and Health or Sickness lines of authority, administered by Pearson VUE. You must first submit the license application and fees through NIPR, wait for an email authorization from Pearson VUE (typically 24 to 48 hours), and schedule at least 24 hours before the exam date. Each exam costs $45 per attempt, allows 1 hour 15 minutes, has 55 scored questions plus 5 pretest questions, and requires a passing scaled score of 70.
Sources: North Carolina NCDOI: Licensing checklist for new resident license; North Carolina NCDOI: Continuing education for producers and adjusters; Pearson VUE: North Carolina insurance candidate handbook (October 2025).
The life and health exams are the PSI licensing tests North Dakota uses for the Life and Annuity line and the Accident and Health line. Each costs $64, requires a 70% passing score, and allows 150 minutes. You schedule online through PSI's North Dakota insurance page or by phone at (855) 340-3905, then test at a center in Bismarck, Minot, Grand Forks, Fargo, or Williston, or by remote proctoring. Arrive 30 minutes early with a government-issued photo ID.
Sources: North Dakota NDID / PSI: Insurance licensing examination candidate information bulletin (Dec 27, 2024).
The Ohio Life, Accident and Health exam (Series 11-35) is the PSI-administered licensing exam covering both lines; it has 150 questions, a 2.5-hour time limit, and a minimum passing score of 70%. You schedule it with PSI online or by phone at 855-807-3995 and take it in person at a PSI testing center for a $49 fee. Your course completion certificate is valid for 180 days, and the exam must be passed within that window.
Sources: PSI: Ohio insurance candidate information bulletin; Ohio ODI: Exam reservation and scheduling.
The Life, Accident & Health or Sickness exam is the combined life and health producer exam in Oklahoma, administered by PSI. It costs $38 like every producer exam, and you must answer 70% correctly to pass. You can register by phone at 833-333-4754 or online, and candidates should allow a 3-week window to find an exam seat. After passing, wait 3 business days before applying for the license.
Sources: Oklahoma PSI: Insurance Licensing Examination Candidate Information Bulletin; Oklahoma OID: Licensing exam.
The Oregon life and health exam is the state licensing exam administered by PSI Services, and you must hold a valid prelicensing Certificate of Completion to schedule it. The Life exam (12-01) and Health exam (12-02) each cost $45, while the combined Life and Health exam (12-03) costs $55 and allows 2 hours and 40 minutes. A score of 70% passes, and Oregon offers testing at PSI test centers or through online remote proctoring.
Sources: Oregon DFR: Fees and forms; 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 and health license exams are administered by PSI: exam 16-01 covers Life, 16-02 covers Accident and Health, and 16-03 combines both lines. Each single-line exam costs $45 and the combined exam costs $55, and you must score at least 70% to pass. You register at test-takers.psiexams.com/pain or by calling 888-818-5822, and you can take the exam at a Pennsylvania test center or through remote proctoring. Exam scores are valid for 12 months.
Sources: PSI: Pennsylvania Insurance Licensing Examination Candidate Information Booklet; NIPR: Pennsylvania state information (licensing overview).
Rhode Island's life and health exams are two separate Pearson VUE producer exams: Life (exam 01) and Accident & Health (exam 02). You reserve at least 24 hours ahead online or at (800) 274-3739 and pay the $80 fee at reservation. Each exam has a general section of 50 scoreable questions (1 hour 15 minutes) and a state section of 30 scoreable questions (45 minutes), with a passing score of 70. You can take both in one session, and back-to-back exams in a session are buy-one-get-one-free.
Sources: 230-RICR-20-50-2: Continuing education for insurance producers; Pearson VUE: Rhode Island insurance content outlines (effective May 28, 2026).
The South Carolina life and health exam is the Pearson VUE producer exam, offered as separate Life and Accident and Health exams or as a combined exam that qualifies you for both lines with one score. Each exam costs $59 and is taken at a Pearson VUE test center or online via OnVUE; online reservations must be made at least 48 hours ahead and phone reservations at least 24 hours ahead. A score of 70 on a 0-100 scale passes, and passing results are valid for 12 months.
Sources: South Carolina Department of Insurance (SCDOI) and Pearson VUE SC Insurance Candidate Handbook; Pearson VUE: South Carolina Insurance Licensing Candidate Handbook; South Carolina SCDOI: Producer licensing.
The life and health licensing exam is the written test South Dakota requires of resident producer applicants under SDCL 58-30-145, covering the lines of authority applied for, the duties of a producer, and South Dakota insurance laws. First-time licensees take an exam for each line they wish to sell, scheduled through Pearson VUE, which the Division contracted with as of January 1, 2018. The Division's fee table lists the Pearson VUE exam fee at $25 for resident candidates.
Sources: SDCL 58-2-29: Division of Insurance fee schedule.
In Tennessee, life and accident and health are separate exams, each scheduled with Pearson VUE online or by phone at (800) 274-4957. Each exam requires a 70% minimum passing score, and a separate exam is required for each line of authority. The single-line exam fee is $55, and the combined Life and Accident and Health exam is $80. After passing, you must wait 48 hours before submitting your application through the National Insurance Producer Registry (NIPR).
Sources: Pearson VUE — Tennessee Insurance Licensing Candidate Handbook (October 2026 edition, #124300); TN TDCI — Insurance Producer Licensing Procedure with Exams.
The life and health exam is the Texas General Lines Life, Accident, Health and HMO licensing exam, with 130 scoreable questions (100 on insurance basics and 30 on Texas law) plus pretest questions. You schedule it through Pearson VUE online at pearsonvue.com or by phone at 888-754-7667. The fee is $49 per the October 2024 candidate handbook, and you must pass with a scaled score of 70 before you can apply for the license.
Sources: Pearson VUE: Texas insurance licensing candidate handbook (October 2024).
The Utah life and health exams are multiple-choice, computer-based exams administered by Prometric: Life (17-01) and Accident and Health (17-02) each have 100 questions in 2 hours and cost $32, while the combined Life, Accident and Health exam (17-03) has 150 questions in 2.5 hours and costs $44. You schedule and pay at prometric.com/utah/insurance or by phone at 888-226-8740. You may test at any Prometric test center in the United States or remotely through Prometric's ProProctor, and you must submit your license application within 90 days of passing.
Sources: Prometric: Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025); Utah UID: Exam and Licensing Procedures.
The Vermont life and health exam is Prometric's Series 14-29, Producer's Life, Accident and Health or Sickness. It has 150 scored questions plus 5 unscored items and a 2.5-hour time limit, and the fee is $67.60. You can register online at Prometric's Vermont insurance page or by phone at 800-868-6113, and you may take the exam at any Prometric test center in the U.S. or through remote proctoring. Passing it qualifies you for both the Life and the Accident and Health or Sickness lines of authority.
Sources: Prometric: Vermont insurance Life, A&H and HMO exam outline (Series 14-29); Prometric: Vermont insurance licensing information bulletin.
The Life, Annuities and Health exam (Series 11-01) is the combined licensing exam Prometric administers for the Virginia Bureau of Insurance, with a 2.5-hour time limit. To take it, register and pay the $35 fee at prometric.com/virginia/insurance or by phone at 866-891-6396, then test at any Prometric center in the United States or through remote proctoring with ProProctor. A passed exam is valid for 183 calendar days for license applications.
Sources: Prometric: Virginia Bureau of Insurance Licensing Information Bulletin (effective December 13, 2024).
In Washington, the life and health exam is really the life and disability exams, because the state calls its health line of authority "disability." PSI Services LLC administers the exams at 10 Washington test centers or by remote testing on a laptop or desktop. A single-line exam costs $38, the combined Life and Disability exam costs $55, and you must score at least 70% to pass.
Sources: PSI Services LLC — Washington OIC Insurance Candidate Information Bulletin.
West Virginia offers separate Life and Accident & Health or Sickness licensing exams, each with 90 questions in 120 minutes and a passing score of 70, administered in person by Pearson VUE for an $84 fee. To sit for either exam, you must bring a paper copy of your pre-licensing course completion certificate, which is valid for 6 months from the course completion date. Reservations must be made at least 24 hours in advance through the Pearson VUE website or 800-274-2614.
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); West Virginia OIC: How to Apply for a Resident Producer License; West Virginia OIC: Continuing Education Requirements.
Wisconsin requires a separate exam for each major line: the Life exam (series 22-01) and the Accident and Health or Sickness exam (series 22-03), each costing $75. You register with the state's exam vendor, PSI, at test-takers.psiexams.com/wiins or by phone at 888-818-5805. Before testing, complete 20 hours of prelicensing education per line and submit fingerprints through Fieldprint. You must get 70% correct to pass, and your score is valid for 180 days.
Sources: Wisconsin OCI: Insurance License Types and Fees; Wisconsin OCI: Prelicensing Requirements; Wisconsin OCI: Resident License Requirements.
The life and health exam is the Wyoming Insurance Licensing Exam for the Life and Accident and Health or Sickness lines of authority. You schedule it through the testing vendor Pearson VUE, and you must pass before applying. Then apply online through Sircon, pay the fee ($100 for residents), and submit fingerprints for the background check. For the Variable Life and Variable Annuities line, you also need Financial Industry Regulatory Authority (FINRA) registration before applying.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs.