Utah Life & Health
Insurance Exam
Don't leave your insurance license to chance. Study national core concepts and your state's licensing rules for the Life-only, Health-only and Life & Health exam. Same format, same difficulty, same tricky answer choices.
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How to Pass the UT Prometric Insurance Licensing Exam
Passing the Utah Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and Utah-specific regulations from the Utah Insurance Department (UID). Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations aligned with the Prometric exam format.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life & Health insurance license in Utah must pass this state licensing exam administered by Prometric.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Utah insurance license can be issued.
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Utah Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Utah, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Master Utah Code Title 31A & R590
Pay close attention to UID statutes governing producer licensing, appointment timelines, unfair trade practices, and the Utah Life and Health Guaranty Association.
Practice with scenario-based Prometric questions
The Utah Prometric exam tests application of principles through practical scenarios. Practice with our realistic questions to build problem-solving confidence.
Aim for 80%+ on practice exams
Score consistently above 80% on practice exams to build a safe buffer above the required 70% passing threshold for exam day.
Common Mistakes
Pitfalls to avoid on test day
Utah replacement regulations (R590-93)
Utah enforces strict disclosure requirements when replacing life or annuity policies, including providing the Notice Regarding Replacement and a 30-day free-look period.
Prometric dual-section passing rule
Many candidates do not realize that the Utah exam requires scoring at least 70% on both the General knowledge section and the State Law & Ethics section.
Continuing education requirements
Utah requires 24 hours of CE every 2-year cycle, with at least 3 hours dedicated to ethics and at least 12 hours completed in a classroom or interactive webinar format.
Free-look and grace periods
Candidates frequently confuse the 10-day standard free-look with the mandatory 30-day free-look for replacement policies, LTC, and Medicare Supplement.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free UT Insurance Exam Practice PDF
Download a comprehensive practice test with 50 insurance questions, including Utah law topics, with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free UT Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Utah insurance licensing timelines, grace periods, and exam metrics.
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Your Questions Answered
Quick answers to the most common questions about the Utah insurance licensing exam
How many questions are on the Utah insurance exam?
The combined Utah Life, Accident & Health insurance exam consists of 150 multiple-choice questions with a 2-hour 30-minute time limit. Single-line exams (Life-only or Health-only) consist of 100 questions with a 2-hour limit.
What is the passing score for the Utah insurance exam?
To pass the Utah insurance exam, you must achieve a score of 70% or higher on each section (General and State Law).
How much does the Utah insurance exam cost?
The examination fee is $49 to $59 per attempt, payable directly to Prometric when scheduling.
How long do I have to complete the Utah insurance exam?
You have 2 hours and 30 minutes to complete the combined Life and Health examination, and 2 hours for single-line exams.
What happens if I fail the Utah insurance exam?
If you do not pass, you can reschedule another attempt through Prometric once your score report is processed. There is no mandatory waiting period for early attempts, but the full exam fee applies each time.
Do I need pre-licensing education for a Utah insurance license?
No. Utah does not mandate pre-licensing education hours before sitting for the state licensing exam. However, taking a comprehensive practice program is strongly recommended.
Who administers the Utah insurance exam?
The Utah Insurance Department partners with Prometric to administer computer-based insurance licensing exams both at testing centers and remotely via ProProctor.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Utah Insurance Department exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life & Health exam — so you practice with questions that closely mirror the actual Prometric licensing exam.
Life Insurance
315 questions
Health Insurance
314 questions
General Insurance
165 questions
Annuities
147 questions
UT Law & Ethics
135 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Utah life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Utah health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1,050+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Utah state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
