Insurance L&H License Scoring Guide
How scores are calculated, what they mean, and how to reach your goal score.
Scoring Overview
National and state sections scored separately. Pass both sections with 70%+. If you fail one section, you only retake that section. Results available immediately at the test center.
Score Scale
| Section | Duration | Max Score |
|---|---|---|
| Life & Health Insurance | 150 min | 100 |
Section Breakdown
life
Life Insurance — term, whole, universal, variable policies and annuities.
Term life insuranceWhole lifeUniversal lifeVariable lifeAnnuitiesPolicy provisionsBeneficiariesSettlement options
health
Health Insurance — medical, disability, LTC, and group coverage.
Individual health policiesGroup health insuranceMedicare/MedicaidDisability income insuranceLong-term care insuranceCOBRA and HIPAA
regulation
Insurance regulation — state law, ethics, complaints.
State insurance department roleUnfair trade practicesReplacement regulationsPrivacy (HIPAA)Anti-rebating laws
Key Facts
- Questions
- 150 (100 national + 50 state)
- Duration
- 2.5 hours
- Passing score
- 70% on each section
- Pre-licensing
- 20–40 hours (state-dependent)
- Cost
- $40–$150 per exam
- Renewal
- Every 2 years (CE required)
Study Tips
- 1.Know the four parts of Medicare (A, B, C, D) cold — multiple questions per exam.
- 2.Understand the difference between term and permanent life thoroughly including riders.
- 3.Unfair trade practices (rebating, twisting, churning, misrepresentation) are heavily tested.
- 4.Disability insurance definitions: own-occupation vs. any-occupation is a key distinction.
- 5.Use ExamFX or Kaplan's pre-licensing course — both align closely to exam content.
- 6.Practice state-specific questions — state law accounts for ~33% of your exam.