Get ready for your Life & Health insurance exam.
Free practice for 16 U.S. states. Choose your state, test your knowledge and learn from every answer — with scores, full explanations and no signup. Start with national topics or go straight to your state’s rules.
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Don't see your state? Start with national insurance topics.
Free insurance practice tests and study guides
Practice national concepts with answers and explanations, then add the rules for your state.
How it works
Choose your state
Open your state’s free practice set to review national insurance concepts alongside the rules you need locally. See your score and explanations after answering.
Fix your gaps for free
Every question is public with its full 3-part explanation: why the correct option is right, why each other option is wrong, and a memory hook that makes it stick. Nothing to sign up for.
Train when you are ready
The optional $59 Exam Engine adds randomized practice and exam simulations for all 16 supported states, timed drills, a wrong-answer book, weakness analysis and flashcards. Published exam outlines are mapped to our practice topics.
Free vs Exam Engine
Every question is free forever. You don't need 8,550 questions — the engine is the layer that tells you which ones to do next.
| Feature | Free | Exam Engine |
|---|---|---|
| Every question + full 3-part explanation | Included | Included |
| Randomized practice sessions | Not included | Unlimited |
| Timed quizzes at exam pace | Not included | 25 questions |
| Full exam simulations | Not included | California: Combined, Life-Only & A&H-Only |
| Flashcard trainer | Not included | 803 terms — shuffle, flip, redo missed |
| Wrong-answer book | Not included | Auto-collected + synced |
| Weakness analysis by domain | Not included | Included |
| Price | $0 forever | $59 one-time · 3 years of access |
Unlock the Exam Engine — $59 →
Inside the engine
- ✓No account or password — one email link unlocks everything
- ✓Your wrong answers sync to the cloud and follow you across devices
- ✓Review mode drills every miss until you answer it right — then it clears
- ✓Timed drills to practice pacing and review your answers
- ✓16-state exam simulations — available sittings vary by state
- ✓Flashcard trainer for all 803 glossary terms — shuffle, flip, redo what you miss
Free questions need nothing but a browser. The engine needs one email — never a password.
Preview: California exam simulation
Exam simulation
- · 150 questions — the real exam's full length
- · 195-minute limit, the real exam's clock
- · Drawn to the official CDI outline — every domain in its real-exam proportion
Practice by exam domain
Review national insurance topics, or choose your state for local insurance rules.
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
State exam guides and official sources
Exam formats, fees, passing scores and pre-licensing rules for 16 state Life & Health licensing exams — verified against official state sources, with 2024 NAIC pass rates.
Pearson VUE · No pre-licensing education required
PSI · Only 12h ethics course (AB 943)
Pearson VUE · 60h pre-licensing course required
Pearson VUE · 20h per line, incl. 7.5h classroom
PSI · 20h/line (40h combined) — required BEFORE exam
Pearson VUE · 8h per line (cut from 20h in July 2025)
Pearson VUE · No pre-licensing education (abolished Oct 2025)
PSI Services LLC · No pre-licensing education required
Pearson VUE · No pre-licensing education (removed March 2023)
Pearson VUE · No pre-licensing education required
Pearson VUE · 50h per line — heaviest in the top 16
Prometric · No pre-licensing education required
PSI · 20h per line (40h combined)
PSI · No pre-licensing education (abolished April 29, 2025)
PSI · 20h per line (40h combined)
PSI · 20h per line (combined L&H = 40h total)
Try a question right now
A sample of 2,180 national practice questions — click one, answer it, and read the full 3-part explanation.
- 1.BeneficiariesAn employer purchases a life insurance policy on a key employee. The employer's insurab…
- 2.Medical ExpenseAn employer establishes a Health Reimbursement Arrangement (HRA) for its employees. Whi…
- 3.Life InsuranceWhen a client purchases a life insurance policy, the client is using which risk managem…
- 4.TaxationTo keep life insurance proceeds out of the insured's gross estate for federal estate ta…
- 5.Disability IncomeWhat is the primary purpose of underwriting in disability income insurance?
- 6.General InsuranceIn insurance terminology, the definition of risk is best expressed as:
- 7.AnnuitiesThe fundamental purpose of an annuity is best described as protecting against the risk of:
- 8.Accident & Health ConceptsIn an accident and health policy, which statement best distinguishes an accident from a…
You know where you stand. Now train like it is test day.
Practice for your state · 16-state exam simulations · timed drills · wrong-answer book · domain weakness analysis · flashcard trainer.
One-time payment. 3 years of access. Each use of your emailed unlock link renews the 3-year period.
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