Life and Health Insurance Exam Requirements by State
Every state requires a licensing exam to sell life or health insurance. Most offer a life exam and a health (accident and health) exam, and many also offer a combined exam for both lines. Each exam pairs general insurance knowledge with the state's own insurance law, and question counts, time limits and passing scores are set state by state. 128 exams in 49 states. Where a state does not publish a figure, the table says so rather than estimating it.
| State | Exam | Questions | Time Allowed | Passing Score | Practice |
|---|---|---|---|---|---|
| Alabama | Life Producer Exam | 125 questions | 150 min | 70% | Practice → |
| Alabama | Health Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Alabama | Life and Health Producer Exam | 150 questions | 180 min | 70% | Practice → |
| Alaska | Life Producer Exam | 90 questions | 135 min | Scaled score 70 | Practice → |
| Alaska | Accident & Health Producer Exam | 90 questions | 135 min | Scaled score 70 | Practice → |
| Arizona | Life Insurance Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Arizona | Accident and Health or Sickness Insurance Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Arizona | Life, Accident and Health or Sickness Insurance Producer Exam | 150 questions | 150 min | 70% | Practice → |
| Arkansas | Life Producer Exam | 100 questions | 150 min | 70% | Practice → |
| Arkansas | Health Producer Exam | 100 questions | 150 min | 70% | Practice → |
| California | Life Agent Exam | 75 questions | 105 min | 60% | Practice → En español → |
| California | Accident and Health Agent Exam | 75 questions | 105 min | 60% | Practice → En español → |
| California | Life, Accident and Health Agent Exam | 150 questions | 195 min | 60% | Practice → En español → |
| Colorado | Life Producer Exam | 80 questions | 120 min | Not published | Practice → En español → |
| Colorado | Accident and Health Producer Exam | 80 questions | 120 min | Not published | Practice → En español → |
| Connecticut | Life Producer Exam | 75 questions | 120 min | Not published | Practice → En español → |
| Connecticut | Accident & Health or Sickness Producer Exam | 75 questions | 120 min | Not published | Practice → En español → |
| Connecticut | Life, Accident & Health or Sickness Producer Exam | 130 questions | 150 min | Not published | Practice → En español → |
| Delaware | Life Producer Exam | 90 questions | 135 min | Not published | Practice → En español → |
| Delaware | Accident & Health Producer Exam | 92 questions | 135 min | Not published | Practice → En español → |
| Florida | Life and Annuity (Including Variable Contracts) Agent Exam | 85 questions | 120 min | 70% | Practice → En español → |
| Florida | Health Agent Exam | 85 questions | 120 min | 70% | Practice → En español → |
| Florida | Health and Life and Annuity (Including Variable Contracts) Agent Exam | 150 questions | 165 min | 70% | Practice → En español → |
| Georgia | Life Agent Exam | 80 questions | 120 min | 70% | Practice → En español → |
| Georgia | Accident and Sickness Agent Exam | 80 questions | 120 min | 70% | Practice → En español → |
| Georgia | Life, Accident and Sickness Agent Exam | 125 questions | 150 min | 70% | Practice → En español → |
| Hawaii | Life Producer Exam | 85 questions | 120 min | Scaled score 70 | Practice → |
| Hawaii | Accident & Health Producer Exam | 85 questions | 120 min | Scaled score 70 | Practice → |
| Idaho | Life Producer Exam | 75 questions | 120 min | Not published | Practice → En español → |
| Idaho | Accident & Health Producer Exam | 75 questions | 120 min | Not published | Practice → En español → |
| Illinois | Life Producer Exam (General and State) | 81 questions | 125 min | Scaled score 70 | Practice → En español → |
| Illinois | Accident and Health Producer Exam (General and State) | 89 questions | 130 min | Scaled score 70 | Practice → En español → |
| Indiana | Life Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → En español → |
| Indiana | Health Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → En español → |
| Indiana | Life and Health Producer Exam | 135 questions | 180 min | Scaled score 70 | Practice → En español → |
| Iowa | Life Producer Exam | 77 questions | 120 min | Not published | Practice → |
| Iowa | Accident & Health Producer Exam | 80 questions | 120 min | Not published | Practice → |
| Kansas | Life Producer Exam | 84 questions | 90 min | 70% | Practice → |
| Kansas | Accident & Health Producer Exam | 84 questions | 90 min | 70% | Practice → |
| Kansas | Life and Accident & Health Producer Exam | 140 questions | 150 min | 70% | Practice → En español → |
| Louisiana | Life Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Louisiana | Health and Accident or Sickness Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Louisiana | Life, Health and Accident or Sickness Producer Exam | 150 questions | 160 min | 70% | Practice → |
| Maine | Life Producer Exam | 75 questions | 105 min | Scaled score 70 | Practice → |
| Maine | Accident & Health Producer Exam | 88 questions | 120 min | Scaled score 70 | Practice → |
| Maine | Life and Accident & Health Producer Exam | 136 questions | 210 min | Scaled score 70 | Practice → |
| Maryland | Life Producer Exam | 80 questions | 105 min | 70% | Practice → |
| Maryland | Accident and Health or Sickness Producer Exam | 80 questions | 105 min | 70% | Practice → |
| Maryland | Life and Accident and Health or Sickness Producer Combo Exam | 130 questions | 150 min | 70% | Practice → |
| Massachusetts | Life Producer Exam | 80 questions | Not published | Scaled score 70 | Practice → En español → |
| Massachusetts | Accident and Health Producer Exam | 80 questions | Not published | Scaled score 70 | Practice → En español → |
| Michigan | Life Producer Exam | 100 questions | 120 min | 72% | Practice → |
| Michigan | Accident and Health Producer Exam | 100 questions | 120 min | 76% | Practice → |
| Michigan | Life, Accident and Health Producer Exam | 150 questions | 150 min | 75% | Practice → |
| Minnesota | Life Producer Exam | 75 questions | 120 min | 70% | Practice → En español → |
| Minnesota | Accident and Health Producer Exam | 75 questions | 120 min | 70% | Practice → En español → |
| Minnesota | Life, Accident and Health Producer Exam | 130 questions | 180 min | 70% | Practice → En español → |
| Mississippi | Life Producer Exam | 60 questions | 120 min | 65% | Practice → |
| Mississippi | Accident & Health Producer Exam | 60 questions | 120 min | 65% | Practice → |
| Mississippi | Life and Accident & Health Producer Exam | 115 questions | 150 min | 65% | Practice → |
| Missouri | Life Insurance Producer Exam | 90 questions | 120 min | Scaled score 70 | Practice → |
| Missouri | Accident and Health Insurance Producer Exam | 90 questions | 120 min | Scaled score 70 | Practice → |
| Missouri | Life, Accident and Health Insurance Producer Exam | 145 questions | 180 min | Scaled score 70 | Practice → |
| Montana | Life Producer Exam | 86 questions | 120 min | Scaled score 75 | Practice → |
| Montana | Accident & Health (Disability) Producer Exam | 92 questions | 135 min | Scaled score 75 | Practice → |
| Nebraska | Life Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Nebraska | Accident and Health or Sickness Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Nebraska | Life, Accident and Health or Sickness Producer Exam | 150 questions | 150 min | 70% | Practice → |
| Nevada | Life Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → |
| Nevada | Accident and Health Producer Exam | 88 questions | 135 min | Scaled score 70 | Practice → |
| Nevada | Life and Health Producer Exam | 144 questions | 215 min | Scaled score 70 | Practice → |
| New Hampshire | Life Producer Exam | 100 questions | 120 min | Not published | Practice → |
| New Hampshire | Accident and Health Producer Exam | 100 questions | 120 min | Not published | Practice → |
| New Hampshire | Life, Accident and Health Producer Exam | 150 questions | 150 min | Not published | Practice → |
| New Jersey | Life Producer Exam | 83 questions | 210 min | 70% | Practice → En español → |
| New Jersey | Health Producer Exam | 88 questions | 210 min | 70% | Practice → En español → |
| New Mexico | Life Insurance Producer Exam | 100 questions | 120 min | 70% | Practice → |
| New Mexico | Accident and Health or Sickness Insurance Producer Exam | 100 questions | 120 min | 70% | Practice → |
| New Mexico | Life, Accident and Health or Sickness Insurance Producer Exam | 150 questions | 150 min | 70% | Practice → |
| New York | Life Insurance Agent/Broker Exam | 100 questions | 120 min | 70% | Practice → En español → |
| New York | Accident and Health Insurance Agent/Broker Exam | 100 questions | 120 min | 70% | Practice → En español → |
| New York | Life, Accident, and Health Insurance Agent/Broker Exam | 150 questions | 150 min | 70% | Practice → En español → |
| North Carolina | Life Agent Exam | 55 questions | 75 min | Scaled score 70 | Practice → |
| North Carolina | Accident and Health or Sickness Agent Exam | 55 questions | 75 min | Scaled score 70 | Practice → |
| North Dakota | Life Producer Exam | 110 questions | 150 min | 70% | Practice → |
| North Dakota | Accident and Health or Sickness Producer Exam | 110 questions | 150 min | 70% | Practice → |
| Ohio | Life Insurance Agent Exam | 100 questions | 120 min | Not published | Practice → |
| Ohio | Accident and Health Insurance Agent Exam | 100 questions | 120 min | Not published | Practice → |
| Oklahoma | Life Producer Exam | 100 questions | 120 min | Not published | Practice → |
| Oklahoma | Accident and Health or Sickness Producer Exam | 100 questions | 120 min | Not published | Practice → |
| Oklahoma | Life, Accident and Health or Sickness Producer Exam | 150 questions | 150 min | Not published | Practice → |
| Oregon | Life Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Oregon | Health Producer Exam | 100 questions | 120 min | 70% | Practice → |
| Oregon | Life and Health Producer Exam | 150 questions | 160 min | 70% | Practice → |
| Pennsylvania | Life Insurance and Annuities Exam | 100 questions | 120 min | 70% | Practice → |
| Pennsylvania | Accident and Health Insurance Exam | 100 questions | 120 min | 70% | Practice → |
| Pennsylvania | Life, Accident and Health Insurance Exam | 150 questions | 170 min | 70% | Practice → |
| Rhode Island | Life Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → En español → |
| Rhode Island | Accident & Health Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → En español → |
| South Carolina | Life Insurance Producer Exam | 75 questions | 120 min | 70% | Practice → |
| South Carolina | Accident and Health Insurance Producer Exam | 75 questions | 120 min | 70% | Practice → |
| South Carolina | Life, Accident and Health Insurance Producer Exam | 130 questions | 150 min | 70% | Practice → |
| South Dakota | Life Producer Exam | 75 questions | 120 min | Scaled score 70 | Practice → |
| South Dakota | Accident & Health Producer Exam | 75 questions | 120 min | Scaled score 70 | Practice → |
| South Dakota | Life and Accident & Health Producer Exam | 130 questions | 150 min | Scaled score 70 | Practice → |
| Tennessee | Life Agent Exam | 68 questions | 105 min | 70% | Practice → |
| Tennessee | Accident and Health Agent Exam | 68 questions | 105 min | 70% | Practice → |
| Texas | Life Agent Exam | 80 questions | 120 min | Scaled score 70 | Practice → En español → |
| Texas | General Lines - Life, Accident & Health Exam | 130 questions | 150 min | Scaled score 70 | Practice → En español → |
| Utah | Life Producer Exam | 100 questions | 120 min | Not published | Practice → En español → |
| Utah | Accident and Health Producer Exam | 100 questions | 120 min | Not published | Practice → En español → |
| Utah | Life, Accident and Health Producer Exam | 150 questions | 150 min | Not published | Practice → En español → |
| Vermont | Life Producer Exam | 100 questions | 120 min | Not published | Practice → |
| Vermont | Accident, Health and HMO Producer Exam | 100 questions | 120 min | Not published | Practice → |
| Vermont | Life, Accident and Health Producer Exam | 150 questions | 150 min | Not published | Practice → |
| Virginia | Life and Annuities Insurance Exam | 90 questions | 120 min | Not published | Practice → |
| Virginia | Health Insurance Exam | 90 questions | 120 min | Not published | Practice → |
| Virginia | Life, Annuities, and Health Insurance Exam | 140 questions | 150 min | Not published | Practice → |
| Washington | Life Producer Exam | 100 questions | 150 min | 70% | Practice → |
| Washington | Disability Producer Exam | 100 questions | 150 min | 70% | Practice → |
| Washington | Life and Disability Producer Exam | 150 questions | 195 min | 70% | Practice → |
| West Virginia | Life Producer Exam | 78 questions | 120 min | Scaled score 70 | Practice → |
| West Virginia | Accident & Health Producer Exam | 80 questions | 120 min | Scaled score 70 | Practice → |
| Wisconsin | Life Exam | 100 questions | 120 min | 70% | Practice → |
| Wisconsin | Accident and Health or Sickness Exam | 100 questions | 120 min | 70% | Practice → |
| Wyoming | Life Producer Exam | 85 questions | 120 min | 70% | Practice → |
| Wyoming | Accident & Health Producer Exam | 85 questions | 120 min | 70% | Practice → |
| Wyoming | Life and Accident & Health Producer Exam | 135 questions | 150 min | 70% | Practice → |
Exam mechanics above are sourced from each state's own official licensing authority or exam vendor, not third-party estimates. Any pass-rate figure shown elsewhere on passvana (e.g. the guarantee page) reflects practice mock-exam attempts taken on passvana itself, not official state exam outcomes.