Life and Health Insurance Sales Exam

Find insurance sales training and testing resources such as practice tests, study guides and courses. Certification in life and health insurance sales demonstrates one's knowledge and competence in the field. For more information, see Tests.com's Life and Health Insurance Sales Test Guide.

 
Test Item Organization Description Cost
Life & Health Insurance Agent Practice Exam
Life & Health Insurance Agent Practice Exam
Location Type: Online

Organization: Tests.com
Address: USA
Tests.com
Ace your Life & Health Insurance Agent Practice Exam and Get Your State License using this full-length, 300 question practice exam with answers fully explained for ideal study. 29.95
Free Life & Health Insurance Practice Test
Free Life & Health Insurance Practice Test
Location Type: Online

Organization: Tests.com
Address: USA
Tests.com
Take this free practice test to see what is on an actual Life & Health Insurance licensing exam.
Life & Health Insurance Exam Study Guide
Life & Health Insurance Exam Study Guide
Location: Beaumont
Location Type: Online

Organization: Mometrix Media LLC
Address: Beaumont USA
Mometrix Media LLC
Study Guide for the Life & Health Insurance Exam
4413 DVD Seminar Rental: TX Life & Health
4413 DVD Seminar Rental: TX Life & Health
Location: Germantown Hills TX
Email: info@cpmipro.com
Phone: 877-601-2273

Organization: CPMI Professional Development
Address: 613 Countryside Drive,, Germantown Hills USA IL 61548
Phone: 877-601-2273
CPMI Professional Development
877-601-2273
Pass the insurance license exam or securities exam the first time you take it. $141.95
5273 Spanish Textbook: Life & Health Insurance Basics
5273 Spanish Textbook: Life & Health Insurance Basics
Location: Germantown Hills AL
Email: info@cpmipro.com
Phone: 877-601-2273

Organization: CPMI Professional Development
Address: 613 Countryside Drive,, Germantown Hills USA IL 61548
Phone: 877-601-2273
CPMI Professional Development
877-601-2273
Pass the insurance license exam or securities exam the first time you take it. $59.95
12 Hour Online Package (Life & Health) Package Description
12 Hour Online Package (Life & Health) Package Description
Location: Westerville OH
Email: online@hondros.com
Phone: 888-466-3767

Organization: Hondros Online
Address: 4140 Executive Parkway, Westerville OH 43081
Phone: 888-466-3767
Fax: 614-508-7280
Hondros Online
888-466-3767
Hondros Online - Powered by Fastclass $120.00
5213 DVD Seminar Rental: Life & Health
5213 DVD Seminar Rental: Life & Health
Location: Germantown Hills AL
Email: info@cpmipro.com
Phone: 877-601-2273

Organization: CPMI Professional Development
Address: 613 Countryside Drive,, Germantown Hills USA IL 61548
Phone: 877-601-2273
CPMI Professional Development
877-601-2273
Pass the insurance license exam or securities exam the first time you take it. $104.95
Health Only Online Course
Health Only Online Course
Location: Overland Park MT
Phone: 800-255-0408

Organization: A.D. Banker & Company
Address: 5000 College Blvd #120, Overland Park KA 66211-1629
Phone: 800-255-0408
Fax: 913-451-3766
Description: Exam prep and continuing education for insurance, securities, CLE and CPE: classroom, self study and online.
A.D. Banker & Company
800-255-0408
A.D. Banker & Company - Professional Exam Prep and Continuing Education $129.95
Health Prelicensing PDF/Online Video/Exam
Health Prelicensing PDF/Online Video/Exam
Location: Durham NC
Email: info@insuranceeducators.com
Phone: 919-361-0780

Organization: Insurance Educators
Address: P.O. Box 13227, Durham NC 27709
Phone: 919-361-0780
Description: This course is designed to prepare students for the North Carolina State Health Insurance Agents Examination. This program is non-refundable.
Insurance Educators
919-361-0780
Health Prelicensing PDF/Online Video/Exam $150.00
Life and Health Pre-Licensing Live Class
Life and Health Pre-Licensing Live Class
Location: Highlands Ranch CO
Phone: 303-791-0398

Organization: Eagle Educational Systems
Address: P.O. Box 631516, Highlands Ranch CO 80163
Phone: 303-791-0398
Fax: 800-851-9074
Eagle Educational Systems
303-791-0398
Welcome to Eagle Education Systems - $202.00
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Review of Life & Health Insurance Agent Practice Exams

- an exerpt from The Life & Health Insurance Agent Practice Exam by Susan Wright, CLU, ChFC, RHU, REBC, CSA, CLTC, CCFC, CSS and Life & Health Insurance Agent Exam GURU.
Each of the 50 states has its own specific insurance licensing and testing functions, and all require some amount of pre-licensing education. Different lines of insurance are tested separately, therefore the passing of the Life & Health Insurance exam will only allow an agent to offer and sell life and health insurance related products. 
A life and health insurance license will typically allow an agent to offer and sell the following products to their clients:
  • Term life insurance
  • Whole life insurance (except variable life policies)
  • Universal life insurance
  • Individual and group health insurance
  • Sickness and accident policies
  • Disability insurance
  • Long-term care insurance (certain states may require additional education and testing)
  • Medicare Supplement insurance
  • Fixed annuities

Life & Health Insurance Exam Testing Methods

The Life & Health Insurance licensing exams will differ from state to state. Typically, an exam will consist of 150 multiple choice questions. It is common these days that the exam will be given by computer at qualified testing centers throughout a proposed licensee’s state.

Some common question formats a test candidate will face will be questions formatted as direct questions, as well as incomplete sentences that require the test taker to fill in the blank, options for choosing “all of the following EXCEPT,” and scenarios whereby the test taker must choose the best answer to fit into a particular situation.

Examples of questions that may be seen on a Life & Health Insurance agent licensing exam include:

1.       Some of the ways in which the death benefit proceeds from a life insurance policy may be used by one’s beneficiary include the following:

a.  Paying off a mortgage

b.  Funding a child’s future education costs

c.  Paying ongoing bills such as utilities and food

d.  All of the above

2.       All of the following are activities that are included in the definition of transacting insurance EXCEPT:

I.  Soliciting the purchase of insurance

II.  Doing preliminary negotiations for an insurance purchase

III. Issuing an insurance contract

IV. Providing service to a policy holder

a.  IV only

b.  I and IV

c.  All of the above

d.  None of the above

Life and Health Insurance Agent Practice ExamIn order to pass a Life & Health Insurance examination, candidates typically must receive a score of at least 70%. Test scores are usually provided immediately after the student completes the exam, along with a summary of how many questions the students correctly answered and the percentage of correct answers that were attained by the test taker in each of the exam topics.

If a student does not initially pass a Life & Health Insurance exam, they will be allowed to re-take the test at a later time. In order to do so, the individual must schedule to take the test again with an appropriate testing center. There may be an additional fee required in order to do so.

The following areas are typically covered in a Life & Health Insurance examination. The topics include:

·         General insurance

·         Insurance regulation

·         Life insurance basics

·         Life insurance policies

·         Life insurance policy provisions, options, and riders

·         Annuities

·         Federal tax considerations for life insurance and annuities

·         Qualified plans

·         Health Insurance basics

·         Individual health insurance policy general provisions

·         Disability income and related insurance

·         Medical plans

·         Health maintenance organizations

·         Group health insurance

·         Dental insurance

·         Insurance for special needs individuals and senior citizens

·         Federal tax considerations for health insurance

The Tests.com practice exam covers these subject areas and more. The test has been designed to prepare the test candidate on the laws and regulations that generally apply throughout the country. Your state exam may base some questions on laws or regulations that are unique to that state. It is important to obtain the candidate handbook for your state exam and understand what areas will be tested and to keep in mind any variation on the law in respect to generally applicable principles.