US licensing & insurance · timed practice test · free 25-question / 38-minute diagnostic · State insurance licensing authorities
Life & Health Insurance Practice Test — 60 Questions (Free 25-Question Version)
Free 25-question diagnostic, then $5 for 5 full attempts · no signup
UniPrep2Go's free Life & Health insurance practice test is a 25-question, 38-minute timed diagnostic with a free topic report and answer review — no email, no account. The full mock is 60 questions / 90 minutes on the $5 UniPrep2Go Mock Pass (5 attempts on any mock).
Life & Health Readiness is an exam pathway administered under State insurance licensing authorities. Each attempt draws 60 questions in this topic mix from a bank of 120 original items, so retakes see new questions. Life & Health licensing exams are set by each state, and length…
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
- 25 free · 60 full
- Time
- 38 min free · 90 min full
- UniPrep2Go readiness target
- 70%
- Domains
- 7
- Exam body
- State insurance licensing authorities
- Status
- Live · free 25-question / 38-minute diagnostic
Exam version & sources
Life and Health Insurance Producer Licensing Exam— what this product is (and isn't)
- Exam version
- Current official outline
- Official source
- NAIC — state insurance regulation
- Last reviewed
- October 15, 2026
- What this covers
- 60-question timed diagnostic (90 min; free 25-question / 38-min version) across 7 topic areas, with topic scoring and answer review. Official form: Varies by state; commonly 100–150 multiple-choice.
- Pass rule
- Official exam: Varies by state; commonly 70%. UniPrep2Go mock: 70% readiness target (not an official pass score).
- Does not replace
- Independent study aid — it does not replace Your state's insurance-law material and any required pre-licensing education.
US licensing & insurance · State insurance licensing authorities
Life & Health insurance practice test
Free 25-question diagnostic · 38 min · full 60Q on Mock Pass
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
An owner surrenders a non-MEC whole life policy. She paid $40,000 in premiums, the cash value is $55,000, and there are no loans or dividends. What is taxable?
- A. $15,000 as a capital gain
- B. $0, because life insurance values are tax-free
- C. $15,000 as ordinary income
- D. $55,000 as ordinary income
Sample 2
A widow wants the insurer to hold her husband's $300,000 death benefit and pay her only the interest each year, leaving the principal for their children later. Which settlement option fits?
- A. Interest only option
- B. Fixed amount option
- C. Lump-sum cash settlement option
- D. Life income option
Sample 3
A hospital indemnity policy pays $200 per day of hospital confinement. Ana is hospitalized for 5 days with a $15,000 bill that her major medical plan also covers. What does the hospital indemnity policy pay?
- A. $1,000, regardless of the actual bill or other coverage
- B. $15,000, the full hospital bill
- C. Nothing, because her major medical plan already covers the stay
- D. $200, a single flat benefit for the stay
Sample 4
A grandparent pays a single $50,000 premium for a whole life policy that is fully paid up immediately. Which statement about this single-premium whole life policy is most accurate?
- A. It has no cash value because the premium was paid in one sum
- B. It builds cash value at once but is usually a MEC
- C. It is term insurance because no more premiums are due
- D. It must be renewed every year at a higher premium
Sample 5
The owner-annuitant of a deferred annuity dies during the accumulation phase. What does the beneficiary typically receive?
- A. Lifetime income payments based only on the beneficiary's own age and sex
- B. A death benefit, usually the greater of premiums paid or account value
- C. Nothing, because annuities pay only to living annuitants
- D. A tax-free lump sum of the full account value
What is the Life & Health Readiness exam?
Life & Health Readiness is an exam pathway administered under State insurance licensing authorities. Each attempt draws 60 questions in this topic mix from a bank of 120 original items, so retakes see new questions. Life & Health licensing exams are set by each state, and length varies; check your state's candidate handbook for its outline, length and pass score. This UniPrep2Go page is an independent timed practice test — not official exam material.
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 — health insurance, life basics, provisions, annuities, disability, LTC, and regulation. Timed 60-question diagnostic drawn from a 120-item original bank so retakes differ, with topic scoring — free 25-question diagnostic, no signup. Drill weak areas in the 250-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
- UniPrep2Go readiness target: 70% with topic breakdown
- Full answer review after you submit
Your first UniPrep2Go attempt is free: a 25-question timed diagnostic on any exam (Exam or Learn mode, no signup) with the full topic report. Full-length mocks and retakes run on a $5 UniPrep2Go Mock Pass (Gumroad license key): 5 attempts on any mock. 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 topicsOfficial 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). There is no single national Life & Health exam — each state sets its own outline, question count, and passing score; state insurance law is tested separately.
- 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 | Official weight |
|---|---|
| Health Insurance | Common national-core area — weight varies by state outline |
| Life Insurance Basics | Common national-core area — weight varies by state outline |
| Policy Provisions, Options, and Riders | Common national-core area — weight varies by state outline |
| General Insurance Concepts | Common national-core area — weight varies by state outline |
| Annuities | Common national-core area — weight varies by state outline |
| Taxation and Regulation | Common national-core area — weight varies by state outline |
| Disability and Long-Term Care | Common national-core area — weight varies by state outline |
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 — your first UniPrep2Go attempt is free, and it can be this one: a 25-question / 38-minute timed diagnostic drawn by the same topic weights, a 70% readiness target, topic scoring, and a full answer review report. No signup, Exam or Learn mode. The full 60-question / 90-minute mock runs on the $5 UniPrep2Go Mock Pass (5 attempts on any mock).
How many free attempts do I get on this Life & Health insurance practice test?
One. Your first UniPrep2Go attempt is free: a 25-question timed diagnostic on any exam (Exam or Learn mode, no signup) with the full topic report. Full-length mocks and retakes run on a $5 UniPrep2Go Mock Pass (Gumroad license key): 5 attempts on any mock. Every attempt ends with the full topic report and answer review — the report itself is never paywalled.
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. The free first attempt is a 25-question / 38-minute diagnostic with the same topic weights; the full session runs on Mock Pass. Each attempt draws 60 questions in this topic mix from a bank of 120 original items, so retakes see new questions. Life & Health licensing exams are set by each state, and length varies; check your state's candidate handbook for its outline, length and pass score.
Why is the free Life & Health insurance practice test 25 questions?
It is a diagnostic: 25 questions drawn by the same topic weights as the full 60-question mock — enough to rank your weakest topics, short enough to finish in 38 minutes in one sitting. With 1–6 questions per topic it is a quick read, not a verdict; for a full-length timed score, run the 60-question / 90-minute mock.
What do I get for $5?
The UniPrep2Go Mock Pass: 5 full timed attempts on any UniPrep2Go mock, including the 60-question Life & Health Readiness session, in Exam or Learn mode. It is a one-time Gumroad license key that works on any device — no subscription. Every attempt ends with the full topic report and answer review.
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.
More FAQAdditional format, scoring, and disclaimer questions
- Who should take this Life & Health insurance practice test?
- Insurance producer candidates preparing for state Life & Health licensing exams.
- Where can I take a Life & Health insurance practice test online?
- UniPrep2Go hosts the Life & Health Insurance Practice Test — 60 Questions (Free 25-Question Version) at https://uniprep2go.study/mock-exams/life-and-health-insurance-readiness-check with a timed runner and full readiness report.
- Is this official exam material?
- No. This is an independent readiness diagnostic. It is not official FINRA, CFA Institute, or GARP exam material and does not guarantee an exam result.
- 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.