Insurance L&H License FAQ
The most common questions about the exam — answered clearly.
Frequently Asked Questions
Do I need separate exams for life and health?
Most states offer a combined Life & Health exam. Some separate them. Check your state's insurance department.
What pre-licensing course should I take?
Your state's required pre-licensing course (Kaplan Financial, ExamFX, or state-approved online provider).
Can I sell insurance in multiple states?
Yes — most states offer non-resident licenses based on a reciprocity agreement with your home state.
How many CE hours do I need?
Typically 24 hours every 2 years, with required ethics hours. State-specific.
What's the pass rate?
Approximately 50–60% on first attempt. Using a prep course raises pass rates significantly.