Idaho Insurance Exam Cheat Sheet
Unlock the official Idaho Life & Health exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Idaho practice questions to test your knowledge.
What's Covered on the Idaho Life & Health Exam
Key exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 30 Days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Idaho Life & Health insurance exams on my first try?
To pass the Idaho Life & Health licensing exams on your first attempt, follow a structured preparation plan: First, systematically master core policy concepts — life insurance types (term, whole, universal, variable), health coverage (medical expense, disability income, Medicare supplement, long-term care), and annuities (fixed, variable, indexed). Second, study Idaho-specific statutes under Title 41, including DOI powers, producer licensing (24 CE hours biennially with 3 hours ethics), 30-day free-look for replacements/LTC/Medicare, and Guaranty Association limits. Third, complete practice exams matching Pearson VUE's 105-minute per line format until you consistently score 80% or higher, well above Idaho's 70% passing threshold.
Q:How many questions are on the Idaho Life & Health insurance exams and what is the passing score?
Idaho administers Life and Disability (Health) insurance licensing as separate examinations through Pearson VUE. Candidates take individual exams for Life Producer (105 minutes) and Disability Producer (105 minutes). To pass either examination, you must achieve a scaled score of at least 70%. If you seek combined Life & Health authority, you must schedule and pass both exams.
Q:What topics are covered on the Idaho Life & Health insurance exams?
The exams cover national insurance principles and Idaho state-specific insurance law. Life topics include policy types (term, permanent, flexible), riders (waiver of premium, accidental death, accelerated benefits), settlement options, beneficiary designations, and annuities. Health topics include individual and group medical expense, disability income, Medicare supplement, LTC, and AIdaho provisions. Idaho-specific content tests Title 41 statutes, DOI Director powers, producer licensing regulations, fiduciary duties, unfair trade practices (rebating, twisting, misrepresentation), replacement rules, and the Idaho Life & Health Guaranty Association.
Q:How much do the Idaho Life & Health insurance exams cost and where do I take them?
The Idaho insurance examination fee is $65 per line of authority ($130 total for both Life and Disability lines), paid directly to Pearson VUE when scheduling. Examinations are administered at Pearson VUE testing centers throughout Idaho (such as Boise, Idaho Falls, Pocatello, Lewiston, Twin Falls, and Coeur d'Alene) and remotely via Pearson VUE OnVUE online proctoring. You can register online at the Pearson VUE Idaho Insurance Portal (home.pearsonvue.com/id/insurance). On test day, you must present a valid, non-expired government-issued photo ID.
Q:What are the licensing steps and pre-licensing requirements for an Idaho insurance producer?
Idaho does not require classroom pre-licensing education hours by statute (self-study is permitted). To obtain an Idaho resident Life & Health producer license: (1) be at least 18 years of age, (2) pass the Pearson VUE Life and/or Disability licensing examinations with a score of 70% or higher, (3) submit digital fingerprints for state and FBI criminal history checks through Pearson VUE / IDEMIA ($61.25 fee), and (4) submit your resident producer application electronically via NIPR (nipr.com) along with the state licensing fee of $80.
Q:What happens if I fail an Idaho Life or Health insurance exam and how do I retake it?
If you do not pass an Idaho examination, Pearson VUE will provide a detailed diagnostic score report immediately upon completion showing your percentage score in each content area. There is no mandatory waiting period for early attempts; you may log back into the Pearson VUE candidate portal and schedule the next available testing date. The standard $65 exam fee applies for each attempt. Use the diagnostic feedback to focus study on weaker topics — such as Idaho statutes, annuity taxation, or policy riders — before retesting.