Life & Health Insurance Exam Practice Test

Standard Life Health Insurance 2026

Standard Life Health Insurance offers a range of health, accident, and life insurance products. It is a well-established carrier with more than a century’s worth of experience in the insurance industry.

They offer supplemental health and accident coverage in 49 states, including Medicare Supplement Insurance (Medigap) plans. Their insurance products also include annuities and disability coverage.

Life & Health Insurance Exam Practice Test Questions

Prepare for the Life & Health Insurance Exam exam with our free practice test modules. Each quiz covers key topics to help you pass on your first try.

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Cigna Health And Life Insurance Company

Cigna is an international insurance company that provides health, life, and accident coverages. Its headquarters are in Bloomfield, Connecticut, and it operates in more than 30 countries. It was founded in 1982 when two old companies merged.

The company’s global network embraces over 1 million physicians and healthcare professionals, as well as 68,000 pharmacies. Its product offerings include individual and family health insurance plans, Medicare Advantage, and supplemental insurance products.

It also sells group health insurance policies through employers and provides an accelerated death benefit rider to cover the cost of final expenses in the event of a terminal illness.

Many Cigna policies include access to telehealth providers, which allow members to receive medical advice or treatment remotely without going to the doctor’s office. This service is free for most of the company’s individual and family plans.

Cigna’s customer service is top-notch, and it provides 24-hour phone support. Its website is also a good resource for finding answers to questions, and it has several sections that explain the ins and outs of health insurance.

📋 SLHI Basics

What is Standard Life Health Insurance?
Standard Life Health Insurance (SLHI) is a comprehensive health insurance certification program designed for insurance professionals. It validates knowledge in health insurance principles, policy administration, claims processing, and regulatory compliance across the insurance industry.
Who needs SLHI certification?
Insurance agents, brokers, underwriters, and claims adjusters working in health insurance need SLHI certification. Many employers require it for professional advancement, and it demonstrates expertise in health insurance regulations and practices.
How long does SLHI certification last?
SLHI certification remains valid for three years from the date of issuance. Professionals must complete continuing education requirements and renew their certification before expiration to maintain active status in the field.
What are the prerequisites for SLHI?
Most SLHI programs require at least one year of health insurance industry experience or completion of approved pre-certification coursework. Some providers may accept relevant bachelor's degrees as qualifying prerequisites for the certification exam. For related exam prep, try our Property and Casualty Insurance practice test.

📝 SLHI Format

How many questions are on the SLHI exam?
The SLHI exam typically contains 150 multiple-choice questions covering health insurance fundamentals, regulations, ethics, and practice scenarios. The exam is divided into sections testing different competency areas within health insurance operations.
How long is the SLHI exam?
Candidates have three hours to complete the SLHI exam. This includes time for reviewing questions and marking answers. The computerized format allows test-takers to navigate freely between sections during the allocated time period.
What topics are covered on the SLHI?
The exam covers policy types and provisions, claims processing, underwriting principles, health insurance regulations including HIPAA and ACA, medical terminology, provider networks, benefits administration, and ethical standards in health insurance practices.
Is the SLHI exam computer-based or paper-based?
The SLHI exam is administered via computer at authorized testing centers. The digital format provides immediate preliminary results and allows for flexible scheduling. Some providers may offer paper-based testing upon special request.

✍️ SLHI Registration

How do I register for the SLHI exam?
Registration is completed through the official SLHI certification website. Create an account, submit required documentation proving eligibility, pay the exam fee, and schedule your testing appointment at an available center within your area.
What is the SLHI exam fee?
The standard SLHI exam fee ranges from $350 to $450 depending on the testing provider and location. Additional fees may apply for late registration, rescheduling, or expedited score reporting services.
When can I schedule the SLHI exam?
SLHI exams are offered year-round at testing centers with appointments available throughout the week. Scheduling typically requires at least two weeks advance notice, though last-minute slots may be available during non-peak periods.
Can I reschedule my SLHI exam?
Yes, you can reschedule up to 48 hours before your appointment without penalty. Rescheduling within 48 hours typically incurs a fee of $50 to $75. Cancellations or no-shows forfeit the exam fee.

✅ SLHI Passing & Results

What is the passing score for SLHI?
A passing score is typically 70% or higher, meaning candidates must answer at least 105 out of 150 questions correctly. The scaled scoring system accounts for question difficulty to ensure fairness across different exam versions.
When will I receive my SLHI results?
Preliminary results appear immediately after completing the computer-based exam. Official score reports and certification credentials are typically mailed within 10 business days. Digital certificates may be available sooner through your online account.
What happens if I fail the SLHI exam?
You can retake the exam after a 30-day waiting period. Your score report will identify weak areas for focused study. Each retake requires paying the full exam fee and following the standard registration process.
How many times can I retake the SLHI exam?
There is no limit to the number of attempts, though a 30-day waiting period applies between each exam. Most candidates pass within two or three attempts after targeted preparation addressing identified knowledge gaps.

📚 SLHI Preparation

What study materials are available for SLHI?
Official study guides, practice exams, online courses, and reference manuals are available through the certification body. Many candidates also use textbooks on health insurance, industry publications, and review courses offered by professional training organizations.
How long should I study for the SLHI?
Most candidates study 6 to 12 weeks, dedicating 10 to 15 hours per week. Those with extensive health insurance experience may need less time, while newcomers to the field typically require more comprehensive preparation.
Are there SLHI prep courses available?
Yes, numerous organizations offer instructor-led and self-paced online prep courses. These range from intensive boot camps to semester-long programs. Many employers sponsor employees for prep courses as professional development investments.
What is the best way to prepare for SLHI?
Combine official study materials with practice exams, focus on weak areas, understand health insurance regulations thoroughly, and gain practical experience. Study groups and review courses significantly improve pass rates for first-time test takers. For related exam prep, try our Series 3 National Commodities Futures Test.

Life & Health Insurance Questions and Answers

What does the Life and Health Insurance exam cover?

The Life and Health Insurance license exam covers life insurance types (term, whole life, universal, variable), health insurance plans (HMO, PPO, EPO, HDHP), annuities (fixed, variable, indexed), policy provisions (grace period, incontestability, beneficiary designations), deductibles, copays, coinsurance, and state-specific insurance regulations. The exam tests both product knowledge and applicable laws.

What is the format of the Life and Health Insurance exam?

The Life and Health Insurance license exam typically consists of approximately 150 multiple-choice questions and must be completed within 2.5 hours, though the exact number of questions and time limit can vary by state. Many states administer the exam through Pearson VUE or PSI testing centers. Some states offer separate Life and Health exams, while others combine them into a single combined exam.

What is the passing score for the Life and Health Insurance exam?

Most states require a passing score of 70% on the Life and Health Insurance license exam, though this can vary slightly by state. Scores are usually reported immediately at the testing center. If you do not pass, most states allow you to retake the exam after a waiting period, typically 24 hours to several days depending on your state's requirements.

How much pre-licensing education is required before the exam?

Most states require 20 to 40 hours of approved pre-licensing education before you can sit for the Life and Health Insurance exam. Some states may require more—California, for example, requires 52 hours for a Life, Accident, and Health license. Pre-licensing courses cover the same topics as the exam and can be completed online or in a classroom setting through state-approved providers.

How do I get my Life and Health Insurance license?

To get your Life and Health Insurance license, you must: (1) complete the required pre-licensing education hours in your state, (2) pass the state licensing exam at an approved testing center, (3) submit a license application through your state's Department of Insurance along with the application fee, and (4) complete a background check if required. Once approved, you will receive your license and can legally sell insurance products.

Does a Life and Health Insurance license transfer to other states?

Yes, many states offer license reciprocity for insurance agents. If you hold an active license in your home state, you may be eligible to obtain a non-resident license in another state without retaking the full exam. The requirements for reciprocity vary by state. You typically need to apply for a non-resident license through the other state's Department of Insurance and pay the applicable fees.
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