Free Life & Health Insurance Practice Test 2026
200 questions on the general portion of the life and health license exam. Tuned for mobile. No account needed.
Train on mobile
Test on desktop
The Insurance exam at a glance
A combined life, accident and health insurance producer exam usually has about 150 scored questions with 2 to 3 hours, and most states pass at 70%. It has a general portion shared by every state and a shorter state law portion. Stand-alone life-only or health-only exams are shorter.
Tigertest has 200 Insurance practice questions with explanations, all free with no account required.
- Questions
- About 150 (combined exam)
- Time
- 2 to 3 hours
- Passing score
- 70% in most states
- Given by
- Pearson VUE, PSI or Prometric, by state
Updated by the Tigertest team. Practice questions follow the general portion of state producer exams. Exam rules change, so confirm current details with your state or testing provider.
How It Works
Train, Then Test
Four training sets for the general portion, one per practice test: each holds exactly the 50 questions of its test. Master Set 1, then take Test 1, and so on. Questions you miss come back until you have mastered them.
Practice Tests
Four 50-question tests weighted like the general portion and written in its style: a client with a need, a policy with a provision, and a question about who gets paid, when, and how it is taxed.
State Practice: 13 States
Taking the exam in one of these states? Practice a full-length exam with questions checked against your state's insurance law, including state-only rules. Progress is saved separately for each state.
Texas
130 source-checked questions on the Pearson VUE Texas outline: 100 general and 30 Texas questions, including HMO rules.
Start Texas practice →Florida
150 questions like the real 2-15 exam: general knowledge plus Florida law for life, annuities (including variable) and health.
Start Florida practice →California
150 questions like CDI's combined life and accident and health exam, with California law, senior protections and Cal-COBRA.
Start California practice →New York
150 questions like PSI's combined Series 17-55 exam, with New York Insurance Law, Regulations 60, 187 and 194, DBL and Paid Family Leave woven in.
Start New York practice →Pennsylvania
150 questions like PSI's Series 16-03 exam, with Pennsylvania free look, grace, reinstatement, Medigap, long-term care and the 2024 rebating and CE rules.
Start Pennsylvania practice →Illinois
Both Illinois lines, Life and Accident & Health, in one 150-question test: 88 general and 62 Illinois questions on licensing, replacement, Medicare supplement and long-term care.
Start Illinois practice →Ohio
150 questions like PSI's combined life, accident and health exam (Series 11-35), with Ohio rules on licensing, replacement, health insuring corporations, dependents and long-term care.
Start Ohio practice →Georgia
125 questions like Pearson VUE's Georgia life, accident and sickness combo exam: 100 general and 25 Georgia law questions.
Start Georgia practice →North Carolina
Both North Carolina exams in one 110-question test: the Life Agent and Accident and Health Agent exams, with 28 North Carolina law questions.
Start North Carolina practice →Michigan
150 questions like PSI's combined life, accident and health exam (16-80), with Michigan Insurance Code rules on licensing, life policy provisions, dependents and long-term care.
Start Michigan practice →New Jersey
Both New Jersey producer exams, Life and Accident & Health, in one 150-question test: 88 general and 62 New Jersey questions, including replacement, prompt pay and temporary disability.
Start New Jersey practice →Virginia
140 questions like Prometric's combined Series 11-01 exam: general topics with Virginia licensing, policy, Medicare supplement and long-term care law.
Start Virginia practice →Washington
150 questions like PSI's life and disability combo exam: 105 general and 45 Washington insurance law questions.
Start Washington practice →Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.
Built on the General Portion Every State Tests
State life and health producer exams from Pearson VUE, PSI and Prometric share a general section built on the NAIC model and the same prelicensing texts. Every practice test here follows that weighting. The state law section is covered for the states below.
Help Make Tigertest Better
Have an idea, a topic you'd like covered, or a question that could be clearer? We read every message and use it to improve every test.
Share FeedbackHow to Pass the Life and Health Insurance Exam
1. Learn the provisions with their numbers
Grace period, reinstatement, incontestability at 2 years, suicide clause, misstatement of age, free look, the 12 mandatory health provisions with their day counts. The exam asks what happens in a scenario, and the answer is almost always in the provision.
2. Know who is taxed and when
Premiums usually not deductible, death benefits tax-free, cash value tax-deferred, annuity withdrawals LIFO, MECs taxed harder, employer-paid disability benefits taxable. Taxation runs through the life, annuity and health sections and is the most-missed topic.
3. Match the product to the need
Decreasing term for a mortgage, whole life for permanent needs, universal life for flexibility, life-only annuity for the highest income, noncancelable for the strongest renewability, own-occupation for the surgeon. Scenario questions are really asking which product fits.
4. Then study your state portion separately
Outside the states with their own practice, this bank covers the general portion only. Your state exam adds licensing rules, continuing education, replacement forms and guaranty association limits. Clear 75 percent here with room to spare, then study your state's candidate handbook.
Insurance License Exam Frequently Asked Questions
How many questions are on the life and health insurance exam?
A combined life, accident and health exam usually has about 150 scored questions with 2 to 3 hours, and most states pass at 70 percent. Stand-alone life or health exams are shorter. The general portion is the larger part; the state portion is the rest.
Does this cover my state's exam?
Thirteen states have their own full-length practice with state law: California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia and Washington. For other states, the 200-question bank covers the general portion shared by every Pearson VUE, PSI or Prometric exam; the state portion (license law, free-look lengths, replacement rules, guaranty limits) is separate, and no question here states one state's rule as universal.
Can I use this for a life-only or health-only exam?
Yes. Each training set and practice test mixes life and health the way the general portion does, and your stats show your accuracy by topic, so a life-only or health-only candidate can see exactly how they do on their own lines.
What are the hardest topics?
Taxation (MECs, the exclusion ratio, qualified plans), the health policy mandatory provisions with their time limits, Medicare parts and benefit periods, and telling the renewability provisions apart. Every explanation here spells out the figure and why the tempting wrong answer fails.
Is the Tigertest insurance practice test free?
Yes. All four practice tests and all training sets are free, with no account required. Create a free account if you want your progress saved across devices.
I teach a life and health insurance pre-licensing course. Can my students use Tigertest?
Yes, for free. Make a class at tigertest.io/teach, post one link, and students join with just their name. You see who practiced, their test scores and the topics your class misses most.
Related practice tests
Every test on Tigertest is free and needs no account to start.
Ready to Pass Your Insurance Exam?
Free to start. No account required. 200 questions across every content area.
Start practicing