What does the report show after the mock?

Your report shows a pass/no-pass verdict with explanation, topic diagnosis, pacing notes, full question review with explanations, and a repair plan that links to the paid Anki deck on Gumroad for weak-topic drilling.

Where do the questions come from?

Questions are original UniPrep2Go practice items aligned to published topic outlines — not leaked official exam questions.

US licensing & insurance · free timed practice test · State insurance licensing authorities

Free Life & Health Insurance Practice Test — 60 Questions

Life & Health Readiness is an exam pathway administered under State insurance licensing authorities. Readiness check sampled from the Life & Health Insurance deck. State licensing outlines vary. This UniPrep2Go page is an independent timed practice test — not official exam…

Official-source aligned. Topic weights, timing, and pass rules follow published State insurance department (exam vendor varies by state) outlines. Questions are original UniPrep2Go study aids — not leaked official items. Verify on the official site ↗

Loading timed practice test…

Questions: 60
Time: 90 min
Pass target: 70%
Domains: 7
Exam body: State insurance licensing authorities
Status: Live · free

Life & Health Readiness practice test study cluster

US licensing & insurance · State insurance licensing authorities

Life & Health insurance practice test

60 Q · 90 min · 70% target

Sample Life & Health Readiness practice questions

These sample items mirror the domains in the timed Life & Health Readiness mock. Correct answers and explanations unlock inside the practice session.

Sample 1
Which statement correctly describes speculative risk as tested in general insurance concepts? (applied scenario 2)?
- A. Speculative risk involves chance of gain, loss, or no change and is generally not insurable
- B. speculative risk always eliminates all investment, legal, and regulatory risk for every customer
- C. speculative risk has no application in US securities, insurance, or licensing markets
- D. speculative risk is identical to FDIC deposit insurance for every customer account
Sample 2
Reduced paid-up insurance nonforfeiture option allows — which option is correct for life/health policy provisions?
- A. Converting to disability insurance automatically
- B. Eliminating all coverage with no value
- C. Increasing death benefit without payment
- D. Stopping premiums while keeping reduced permanent death benefit
Sample 3
An insurance contract is considered a contract of — which option is correct for insurance taxation and regulation?
- A. Adhesion where only insurer has duties always
- B. Bailment of physical goods exclusively
- C. Indemnity for all lines without exception always
- D. Utmost good faith requiring full disclosure
Sample 4
A Health Maintenance Organization (HMO) plan typically requires members to do which of the following?
- A. Select a primary care physician and obtain referrals for most specialist care
- B. Use only out-of-network providers for the highest benefit level
- C. Pay no premiums under any HMO contract
- D. Avoid choosing any physician for the entire year
Sample 5
Morbidity tables are used primarily for — which option is correct for life/health policy provisions?
- A. Life insurance death benefits only always
- B. Auto collision frequency exclusively in all cases
- C. Disability and health insurance predicting sickness/injury incidence
- D. Investment portfolio allocation exclusively

What is the Life & Health Readiness exam?

Administered by: State insurance licensing authorities (official site ↗)

Official resources: NAIC — state insurance regulation · PSI insurance licensing exams (common vendor)

Who this exam is for

Insurance producer candidates preparing for state Life & Health licensing exams.

How to prepare

Start with this free timed diagnostic to see which Life & Health Readiness domains are weak, then review the published State insurance department (exam vendor varies by state) outline on the official site and drill missed topics with the linked Anki deck before exam day.

Confirm current fees, eligibility, and scheduling with State insurance department (exam vendor varies by state) before you book the real exam.

Topic outline

Core domains candidates usually study for Life & Health Readiness: Health Insurance, Life Insurance Basics, Policy Provisions and Riders, General Insurance Concepts, Annuities, Taxation and Regulation, Disability and Long-Term Care.

Health Insurance
Life Insurance Basics
Policy Provisions and Riders
General Insurance Concepts
Annuities
Taxation and Regulation
Disability and Long-Term Care

About this free Life & Health insurance practice test

A Life & Health insurance licensing practice test built from UniPrep2Go deck content — health insurance, life basics, provisions, annuities, disability, LTC, and regulation. Timed 60-question diagnostic with topic scoring — no signup. Drill weak areas in the 400-card Life & Health Anki deck between sittings.

Built for: Insurance producer candidates preparing for state Life & Health licensing exams.

Topics on this practice test: Health Insurance, Life Insurance Basics, Policy Provisions and Riders, General Insurance Concepts, Annuities, Taxation and Regulation, Disability and Long-Term Care.

60 timed multiple-choice questions
90-minute pacing target
70% pass threshold with topic breakdown
Full answer review after you submit

Free timed mock with full topic report — no signup. After your score, buy the linked Anki deck on Gumroad to drill weak topics with spaced repetition.

Buy Life & Health Insurance Anki deck to drill weak topics

Official Life and Health Insurance Producer Licensing Exam facts

Structure and domain weights candidates verify against the certifying body before exam day.

U.S. Life and Health insurance producer licensing exams are state-administered (often via PSI or Pearson VUE). Outlines vary by state; this page summarizes common topic areas and independent UniPrep2Go study products (not official state exam material).

Questions: Varies by state; commonly 100–150 multiple-choice
Time: Varies by state; commonly 2–3 hours
Passing score: Varies by state; commonly 70%
Delivery: Computer-based at authorized testing centers
Administered by: State insurance department (exam vendor varies by state)

Knowledge domains and weights

Domain	Weight
Health Insurance	~21%
Life Insurance Basics	~18%
Policy Provisions, Options, and Riders	~18%
General Insurance Concepts	~12%
Annuities	~11%
Taxation and Regulation	~11%
Disability and Long-Term Care	~9%

High-yield facts (commonly tested)

An insurable interest must exist at the time of application for life insurance on another person.
Whole life provides permanent coverage with a cash value component; term life provides coverage for a set period.
The free-look period lets a policyowner cancel within a state-mandated window after delivery.
Medicare Part A covers hospital insurance; Part B covers medical services; Part D covers prescription drugs.
HMO plans require use of network providers; PPO plans allow out-of-network care at higher cost sharing.

Verify current exam fees, scheduling, and administrative details at www.naic.org. Independent study aid — not official exam material.

Life & Health insurance practice test — quick answers

Is there a free Life & Health insurance practice test?

Yes — UniPrep2Go hosts a free online Life & Health insurance practice test with 60 timed questions, 90 minutes, a 70% pass target, topic scoring, and a full answer review report. Free timed practice test.

How many questions are on this free Life & Health insurance practice test?

This UniPrep2Go practice test has 60 multiple-choice questions timed against a 90-minute target. Readiness check sampled from the Life & Health Insurance deck. State licensing outlines vary.

What score do you need on this Life & Health insurance practice test?

The pass target on this practice test is 70%. Your report also breaks down performance by topic so you can see weak areas before the real exam.

Who should take this Life & Health insurance practice test?