Which insurance exam is the hardest to pass?

No single insurance exam is nationally the hardest; pass rates vary by state, and many states do not publish theirs, so no accurate national pass rate exists. Where figures are published, Texas reported February 2021 passing rates of 47% for the all-lines adjuster exam, 53% for property and casualty, and 60% for life, accident and health, making the adjuster exam the lowest-scoring of the state's three most common licenses.

California sets the same 60% passing score for every producer exam, so the state does not rank them by difficulty (adjuster and bail exams require 70%). National first-time pass rates compiled from National Association of Insurance Commissioners (NAIC) data show the Property line at 53.6% and Property and Casualty at 54.9%, the lowest of the major lines, against 64.8% for Life and Health.

Michigan does not rank its exams by difficulty, but the passing thresholds differ. Among producer exams, the Accident and Health Producer exam carries the highest cut score at 76%, while Life sits at 72% and Property and Casualty combined at 74%. Counselor exams run higher still, with the Accident and Health Counselor exam at 82%.

National pass-rate data reported by the NAIC points to the Property exam as the toughest: 53.6% of candidates pass it, the lowest of the major lines. Property & Casualty combined (54.9%), Casualty (62%), Health (60.4%), Life (62.9%), and Life & Health combined (64.8%) all run higher. Minnesota uses PSI exams, and you need 70% correct to pass any producer exam.

No Montana-specific pass-rate data is published in the state's materials. National pass rates attributed to the National Association of Insurance Commissioners (NAIC) show the property exam with the lowest first-attempt pass rate at 53.6%, compared with health at 60.4%, casualty at 62%, and life at 62.9%. In Montana, every insurance exam uses the same passing score of 75.

By reported national first-attempt pass rates, the Property exam is the most difficult at 53.6%, followed by the combined Property & Casualty rate of 54.9%. Health is 60.4%, Personal Lines is 61.4%, and Life is 62.9%. These are national figures; in Rhode Island the passing score on each exam is 70 on a 0-100 scaled score.

By reported first-attempt pass rates, the Property exam has the lowest pass rate among Tennessee's major-line exams and the Casualty exam the highest, though the difference between lines is modest. Life, Accident and Health, and Personal Lines fall in between. All major-line exams share the same 70% minimum passing score.

No official difficulty ranking exists, but first-attempt pass rates give a proxy. National Association of Insurance Commissioners (NAIC) data shows Property & Casualty with the lowest first-attempt pass rate at 54.9%, versus 60.4% for Health, 61.4% for Personal Lines, 62.9% for Life, and 64.8% for the combined Life & Health exam.

By first-attempt pass rates from National Association of Insurance Commissioners (NAIC) data, the Property exam is the hardest, passing at 53.6%. The combined Property and Casualty exam follows at 54.9%, while the Life exam passes at 62.9%. Wyoming administers its licensing exams through Pearson VUE.