Illinois Insurance Exam Cheat Sheet
Unlock the official Illinois exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Illinois practice questions to test your knowledge.
What's Covered on the Illinois Life & Health Exam
Two 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: 31 Days | Free-look: 10 Days (30 Days (LTC/Medicare))
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 Illinois insurance exam?
To pass the Illinois insurance exam, you should complete a pre-licensing course (at least 20 hours for Life, Accident & Health), study the IL Insurance Code, and practice with high-quality exam questions. Aim for consistency above 80% on practice tests before scheduling your Pearson VUE appointment.
Q:What is the passing score for the Illinois insurance exam?
The passing score for most Illinois insurance exams is 70%. You will need to answer approximately 105 out of 150 questions correctly for the combined Life & Health exam.
Q:How much does the Illinois insurance exam cost?
The exam fee is approximately $65 per attempt, paid to Pearson VUE, the authorized testing provider for Illinois Department of Insurance exams. You must also pay for pre-licensing education separately.
Q:Where can I take the Illinois insurance exam?
You can take the IL insurance exam at a Pearson VUE testing center in Illinois or via OnVUE online proctoring from your home or office. Visit the Pearson VUE website to find a test center near you.
Q:What happens if I fail the Illinois insurance exam?
If you fail, you can retake the exam. There is generally no mandatory waiting period, but you must pay the exam fee again for each attempt. Use your score report to identify weak areas and focus your additional study there.
Q:Are there pre-licensing education requirements in Illinois?
Yes. Illinois requires at least 20 hours of approved pre-licensing education for a Life, Accident & Health license. Courses must be taken through an Illinois Department of Insurance-approved provider.