2026 Updated Syllabus

Iowa Life & Annuities Insurance Exam Practice

Pass your Iowa life & annuities licensing exam on your first attempt. Practice with real exam-style questions, study explanations, and track your pass probability.

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98%pass rate with Premium

Taking the combined exam? We also offer a combined practice test on our Iowa Life & Health Insurance Prep Hub.

750+

Exam-Style Questions

70%

Passing Score Threshold

3 hours

Exam Time Limit

98.4%

Our Student Pass Rate

Interactive Life & Annuities Sample Questions

Try these 5 free sample questions below. Select an answer to see instant feedback and complete, structured explanations.

Life Insurance • Life Insurance BasicsSample Q

What is the primary purpose of life insurance?

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Preparing for the combined exam? Get our combined practice tests on the Iowa Life & Health Hub.

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500+ Flashcards
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All 1050+ Iowa practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

365 Days Pass Plan

Full year access: Study on your schedule with no rush.

$129

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Pass Guarantee — 100% money back
All 1050+ Iowa practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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All 1050+ Iowa practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 1050+ Iowa practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Iowa

Pass on Your Schedule

365-day access - One-time payment

The ultimate prep package. Study at your own pace for a full year with zero stress.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 1050+ Iowa practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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Frequently Asked Questions (Life & Annuities)

Q:How do I pass the Iowa Life & Health insurance exam on my first try?

To pass the Iowa insurance exam on your first attempt: First, master general life, health, and annuity concepts. Second, focus on Iowa Insurance Code Chapter 522B covering producer licensing, replacement rules, CE requirements, and trade practices. Third, practice with at least 400+ realistic exam questions until your average score reaches 80% or higher.

Q:How many questions are on the Iowa insurance exam and what score is required?

The combined Iowa Life & Annuities exam consists of 150 multiple-choice questions with a 3-hour time limit. A passing score of 70% is required.

Q:What topics are covered on the Iowa insurance licensing exam?

The exam covers Life Insurance (policy types, provisions, riders), Health Insurance (medical expense, disability income, Medicare, LTC), Annuities (fixed, variable, indexed), General Insurance Concepts (risk, insurable interest, contract law), and Iowa State Regulations (IID licensing rules, replacement regulations, and unfair trade practices).

Q:How much does the Iowa insurance exam cost and where is it taken?

The exam fee is $45 per attempt. Tests are taken at authorized testing centers in Iowa or online via remote proctoring.

Q:What are the continuing education (CE) requirements in Iowa?

Iowa requires resident producers to complete 24 hours of approved continuing education every 2 years, including at least 3 hours in ethics.

Q:What is the Iowa Life & Health Insurance Guaranty Association coverage limit?

The Iowa Life & Health Insurance Guaranty Association protects policyholders up to $300,000 for life insurance death benefits, $100,000 for life cash surrender values, $500,000 for health insurance claims, and $250,000 for annuity present value/cash surrender.