Life Insurance Practice Test
Take a free life insurance practice test for the 2026 license exam, with realistic questions, immediate answers, and clear explanations.
Review policy types, provisions, riders, beneficiaries, underwriting, taxation, annuities, and the state rules that appear on life insurance licensing exams.
Which provision lets a policyowner restore a lapsed life policy after meeting the insurer’s requirements?
Exam structure and common topic weighting
There is no single national insurance license exam. States publish their own outlines, but these ranges show the topics candidates commonly see. Use them to plan study time, then replace the estimates with your state’s current outline.
How hard is the Life exam?
The material is learnable, but the breadth and scenario wording make the exam harder than a simple vocabulary test.
- Closely related policy provisions can differ by only one condition or deadline.
- Questions frequently require applying beneficiary, ownership, or tax rules to a scenario.
- State law is tested alongside national life insurance concepts.
Passing-score guidance
A 70% standard is common, but some jurisdictions use a different percentage or scaled score. Your candidate handbook is the final authority.
Reach that range repeatedly on fresh, mixed-topic tests—not just questions you recognize—before scheduling the real exam.
Insurance licensing steps
The order varies slightly, but most applicants move through this sequence.
Check requirements
Confirm age, residency, and prelicensing rules.
Complete education
Take required state-approved coursework, if applicable.
Register
Use the state-designated testing vendor and exam code.
Pass the exam
Bring required ID and follow test-center rules.
Apply
Submit the license application and required fees.
Finish screening
Complete fingerprints, background checks, or appointments.
PSI and Pearson VUE insurance exams
Many states contract with PSI or Pearson VUE to schedule and deliver insurance producer exams. The provider does not stay the same across every state or license line.
Choose your study resource
Start with your state so the law questions, provider details, and licensing steps match your exam.
Related insurance exam resources
Move from broad exam practice to the license line, state guide, or study format that matches your next goal.
Life & Health practice test
Practice the combined exam when your state tests Life and Health together.
Open resourceFree Life & Health PDF
Download additional questions and explanations for offline study.
Open resourceInsurance exam glossary
Review policy provisions, riders, beneficiaries, and other tested terms.
Open resourceFrequently tested Life & Health concepts
Review the definitions, rules, and scenario traps behind common licensing-exam questions.
State Specific Insurance Exam Hubs
Frequently asked questions
Most outlines cover policy types, provisions, riders, beneficiaries, underwriting, annuities, taxation, general insurance concepts, and state insurance law. Use your current state outline for the exact weighting.