Preparing for an insurance licensing exam or securities exam takes more than reading a textbook. You need timed practice, realistic questions, and the ability to review content anywhere — including away from a screen. That is where a printable ExamFX practice test PDF becomes a genuine study advantage.
ExamFX is one of the most widely used pre-licensing education platforms in the United States, trusted by candidates pursuing life, health, property and casualty, and securities licenses in states across the country. The platform pairs video instruction with chapter quizzes, practice tests, and final exam simulations that closely mirror the difficulty and structure of actual state licensing exams.
This page gives you a free downloadable PDF with representative practice questions modeled on the ExamFX curriculum. Print it, mark it up, test yourself on your commute, or use it as a final review tool the night before your exam.
ExamFX delivers state-approved pre-licensing education through a combination of online video lessons and an integrated exam prep system. When you enroll, you select your state and the line of insurance or securities product you are pursuing. The platform then loads a curriculum built to satisfy that state's specific hour requirements and content mandates.
Each course is divided into chapters covering the core domains tested on the licensing exam. After completing a chapter's video content, you take a chapter quiz to check retention. Once all chapters are done, you move on to practice tests that pull questions from across the full syllabus. The final stage is ExamFX's proprietary Final Exam Simulation, which replicates the format, timing, and difficulty of the real state exam. ExamFX's pass guarantee applies to students who complete the full course and meet the score benchmarks on the simulation.
Most state licensing exams require a passing score in the 70 to 75 percent range, though exact thresholds vary by state and line of authority. ExamFX calibrates its practice questions and final simulations to give you an accurate picture of where you stand before test day.
The life and health insurance track covers two broad domains that are often tested together or separately depending on your state's licensing structure.
Life insurance questions focus on types of policies (term, whole, universal, variable), policy provisions and riders, beneficiary designations, underwriting principles, and tax treatment of premiums and death benefits. You will also encounter questions on annuities, which appear frequently on both life insurance and securities exams. Understanding the difference between fixed and variable annuities — and the regulatory treatment of each — is essential.
Health insurance content covers individual and group health policies, disability income insurance, long-term care coverage, Medicare supplement plans, and the basics of managed care organizations like HMOs, PPOs, and EPOs. Federal regulations including HIPAA and the Affordable Care Act provisions are also tested, as are coordination of benefits rules and continuation coverage requirements under COBRA.
The property and casualty line is one of the most content-dense tracks on the ExamFX platform. P&C exams test knowledge across personal lines (homeowners, auto, renters) and commercial lines (business owners policies, commercial general liability, workers compensation), as well as the principles underlying all property and casualty coverage — insurable interest, indemnity, subrogation, and the structure of the insurance contract.
ExamFX P&C practice questions place heavy emphasis on policy conditions, exclusions, and endorsements. Candidates frequently underestimate how granular these questions can get on the actual state exam. The PDF practice questions included here reflect that level of specificity, helping you identify gaps in your policy knowledge before test day.
ExamFX also prepares candidates for FINRA and NASAA securities exams, which are separate from insurance licensing but often pursued by agents who want to offer investment products.
The Series 6 (Investment Company and Variable Contracts Products Representative) exam qualifies you to sell mutual funds, variable annuities, and variable life insurance. It covers investment company products, retirement plans, suitability standards, and the regulations governing their sale. The exam is 50 questions with a 90-minute time limit and requires a 70 percent passing score.
The Series 63 (Uniform Securities Agent State Law) exam is the state law complement to FINRA product exams. Most states require it in addition to a product exam like the Series 6 or Series 7. The Series 65 qualifies candidates as Investment Adviser Representatives and covers a broader range of investment topics including portfolio management, economics, and fiduciary standards. The Series 66 combines the content of the 63 and 65 into a single exam for candidates who also hold the Series 7.
ExamFX's securities content is kept current with FINRA rule updates, which is an important consideration given how frequently regulations evolve in this space.
The ExamFX Final Exam Simulation is the centerpiece of the platform's exam prep system. Once you have completed all video chapters and chapter quizzes, you unlock the simulation, which presents a full-length practice exam under timed conditions with questions drawn from across the entire curriculum.
The simulation is scored immediately, and your results are broken down by domain so you can see exactly which content areas need more work. ExamFX recommends retaking the simulation until you consistently score above the state's required passing threshold before scheduling your actual licensing exam. For most states, that means scoring 70 percent or higher, though some states set the bar at 75 percent.
The pass guarantee kicks in when you have met all completion requirements and pass the simulation but fail the state exam. ExamFX will extend your course access so you can continue studying without additional cost. The specific terms of the guarantee vary by state and product line, so review the details when you enroll.
One of ExamFX's strengths is that its content is customized by state. Insurance licensing is regulated at the state level, which means the exam content, required pre-licensing hours, and approved topics differ significantly depending on where you are testing. ExamFX builds its courses around the actual content outline published by each state's Department of Insurance, which means the questions you practice are aligned with what your state's exam will actually test.
When you start a new course, confirm that you have selected the correct state and line of authority. Switching states after completing a portion of the course can affect your progress tracking, and some state content differences are substantial enough that a full restart makes more sense than trying to supplement mid-course.
The most effective approach for most ExamFX candidates is to use the online platform for primary instruction and timed practice, then use a printed PDF like this one for secondary review and offline drilling. The PDF format lets you highlight questions, write margin notes, and annotate answers in ways that are harder to replicate on a screen. It is also useful for reviewing specific topic clusters — sorting through 15 to 20 questions on annuities or health insurance exclusions without navigating through a full-length practice test.
Print the PDF double-sided, work through it untimed first to see which concepts feel uncertain, then go back through it with a timer to simulate exam pressure. Mark every question where you guessed or were unsure of your reasoning, even if you got it right. Those are the questions most likely to trip you up under real exam conditions.
Whether you are working toward your first insurance license or adding a securities line to an existing career, focused practice is what separates candidates who pass on the first attempt from those who have to reschedule. Use this PDF alongside the full online ExamFX curriculum for the most thorough preparation. For additional practice questions and full-length timed tests, visit our examfx practice test page.