Preparing for your state life and health insurance producer license exam requires mastering a broad range of topics — from life insurance policy types and riders to health coverage structures, annuities, and state insurance regulations. This free printable PDF gives you realistic practice questions covering every major domain tested on licensing exams across the United States.
Use this study resource offline at your own pace. Print it, annotate it, and work through each section systematically to build confidence before exam day.
The licensing exam tests your understanding of life insurance fundamentals including term life (level, decreasing, and return-of-premium), whole life (straight, limited pay, and single premium), universal life (flexible premiums and adjustable death benefits), and variable life products. You must understand how policy riders such as waiver of premium, accidental death benefit, and guaranteed insurability modify base coverage.
Health insurance questions focus on plan structures: HMOs require a primary care physician and in-network referrals; PPOs offer broader network access with higher out-of-pocket costs; EPOs combine features of both. Medicare supplement (Medigap) plans fill gaps left by original Medicare. Long-term care insurance covers custodial services not reimbursed by Medicare, and disability income policies replace lost wages from illness or injury.
Annuity questions test your knowledge of fixed vs. variable products, immediate vs. deferred payout structures, and suitability considerations. Regulatory topics include the state insurance commissioner authority to license producers, investigate complaints, and enforce unfair trade practices statutes. Producer licensing requirements — pre-licensing education, exam passage, background checks, and continuing education — are frequently tested.
Print the PDF and work through each question without looking at the answers first. After completing a section, review your responses against the answer key and read the explanation for every question you missed. Focus additional study time on any domain where you score below 70%. Most state licensing exams require a passing score of 70–75%, so targeted review of weak areas is the most efficient use of your study time.
Combine this PDF with our online practice tests for timed simulation and instant scoring. The online tests adapt to your performance, surfacing more questions in areas where you need the most practice.