Life and Health Insurance License Exam — Everything You Need to Know in 2026

The Life and Health Insurance License Exam is a professional certification exam that validates your knowledge and competency in the field. Passing this exam is a required step for professional licensure or certification.

Employers, licensing boards, and regulatory agencies rely on this exam to ensure practitioners meet a baseline standard of knowledge and safety.

The good news: with structured preparation and a clear understanding of what's on the exam, most candidates pass on their first attempt.

You need 70% to pass — that's at least 105 correct out of 150 scored questions.

Contact your testing provider to confirm prerequisite requirements, then schedule as early as possible.

The candidates who fail typically do one of three things: they cram at the last minute, they study everything equally instead of targeting their weak areas, or they read passively without testing themselves. All three are fixable.

The most effective approach: take a practice test first, before you've studied anything. Your score tells you exactly which of the 7 topics need the most attention. Then focus your flashcard sessions on those weak areas using spaced repetition — reviewing at increasing intervals so the information actually sticks.

As your exam date gets closer, switch to full timed practice tests under realistic conditions. You want to be scoring comfortably above the passing threshold before you walk in.

Once you know your weak areas, flashcards are the fastest way to close the gaps. Prepdex builds your study sessions around the topics where you're losing points — not a generic review of everything.

Each session takes about 10-15 minutes. You study the topics that matter most for your score, in the order the exam weights them. The spaced repetition scheduling makes sure you see things again before you forget them.