What You Need to Know to Take Life and Health Practice Exam


The demand for insurance agents has grown with each passing year. And the biggest jump has been in the area of life and health insurance. One of the pluses for newcomers to the industry is that there is no need for formal education or previous insurance experience in order to become an agent. All that is required is a high school diploma and the passing of a life and health insurance licensed exam.

For those who are interested in having a career within this industry, the time is right to begin studying and preparing to take a life and health insurance exam. Remember, the test isn’t standardized as you will need to study the coursework that pertains to your state. Those who pass the exam will have a very promising future after securing a job with a local insurance firm.

Skills Needed to Become a Life and Health Insurance Agent

Despite the fact that the Bureau of Labor reports only one-third of all life and health insurance agents hold a college degree, you do need some skills to be successful. First, it’s important to have excellent analytical skills, which are needed to determine the specific needs of your clients. That would include being an effective communicator as you must sit down and discuss their everyday concerns. And of course, being confident with your own ability to sell an insurance policy is key when seeking out new clientele.

How to Apply For a Life and Health Exam

To begin the process, you must provide personal information for a background check, past employment history and some form of a photo identification. Be aware that certain states require a fingerprint check as well before moving forward with the process. The cost of the exam does vary from state-to-state and you may be required to take prelicensed insurance class before taking the actual life and health insurance exam.

Type of Preparation For Life and Health Insurance Exam

The majority of all life and health insurance agents believe online video courses are the key to success in passing the state’s licensing exam. The test itself does vary from state-to-state in the area of format (approx. 150 questions) and time (3 and 1/2 hours long) length. Usually, the topics covered are universal as they include questions on health maintenance organization (HMO), health insurance tax issues pertaining to certain wage earnings groups and annuities policy tax situations. Plus, you will have to answer general knowledge questions on different policy issues with dental coverage and other medical conditions. It’s smart to take several life and health practice exam before taking the actual test.