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Insurance Licensing

Life Insurance
License Exam Prep

Life licensing exams are administered at the state level under each state's insurance regulator. Question counts, time limits, and passing scores vary by state — verified per-state facts below.

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Life

License type

State regulated

Requirements vary by state

Server graded

Secure practice scoring

A Life license authorizes an agent to sell life insurance policies and, in most states, annuity products — the most commonly held individual insurance license.

Who needs a Life license

Anyone who wants to sell life insurance policies — or, in most states, annuity products — needs a state-issued Life license before they can do so. It's the single most commonly held individual insurance license.

What's tested

Exact question counts, time limits, and section weighting are set by each state and vary — see your state's page for the verified numbers. The subject areas below are drawn directly from CARE's own Life question bank.

Basic Insurance Concepts and Principles

Contract Law

Insurance Marketplace

Life Insurance - Basics

Types of Life Policies

Life Insurance and Annuities - Policy Replacement / Cancellation

Individual Life Insurance Contract - Provisions

Taxation of Life Insurance and Annuities

Group Life Insurance Plans

Social Security Disability Program

How Life licensing typically works

1Complete any pre-licensing education your state requires.
2Register for and pass your state's Life licensing exam.
3Complete fingerprinting/background check, if your state requires one.
4Submit your license application to your state's department of insurance.

Requirements vary by state — see the Insurance License Guide for the full state-agnostic overview.

Why prepare with CARE for Life?

Regulator-sourced questions

Every fact cited to the official source

Server-graded scoring

No answer keys ever sent to the browser

Readiness tracking

Same engine across every CARE exam

FAQs

Is the Life exam the same in every state?

No — question counts, time limits, and passing scores are set individually by each state's insurance regulator. CARE verifies each state's exact numbers directly against that regulator before publishing them.

Can I get licensed in multiple lines together?

Many states offer combined license paths (for example, Life & Accident and Health, or Property & Casualty) — see the full exam catalog for the options your state offers.

Related licensing exams

Explore by state

Choose your state for exact, regulator-verified question counts, time limits, and passing scores.

Alabama

Alabama Combined Life & Health licensing exam prep for Alabama, verified against Alabama Department of Insurance.

Alaska

Alaska Life and Health licensing exam prep for Alaska, verified against Alaska Division of Insurance.

Arizona

Arizona Life, Accident and Health or Sickness licensing exam prep for Arizona, verified against Arizona Department of Insurance and Financial Institutions.

Arkansas

Arkansas Life licensing exam prep for Arkansas, verified against Arkansas Insurance Department.

California

Life licensing exam prep for California, verified against California Department of Insurance.

Colorado

Colorado Life licensing exam prep for Colorado, verified against Colorado Division of Insurance.

Connecticut

Connecticut Life, Accident, Health or Sickness Producer licensing exam prep for Connecticut, verified against Connecticut Insurance Department.

Delaware

Delaware Life licensing exam prep for Delaware, verified against Delaware Department of Insurance.

Florida

Florida Health & Life (incl. Annuities & Variable Contracts) licensing exam prep for Florida, verified against Florida Department of Financial Services.

Georgia

Georgia Life/Accident/Sickness Agent licensing exam prep for Georgia, verified against Georgia Office of Insurance and Safety Fire Commissioner.

Hawaii

Hawaii Life licensing exam prep for Hawaii, verified against Hawaii Insurance Division (Dept. of Commerce and Consumer Affairs).

Idaho

Idaho Life licensing exam prep for Idaho, verified against Idaho Department of Insurance.

Illinois

Illinois Life Producer licensing exam prep for Illinois, verified against Illinois Department of Insurance.

Indiana

Indiana Life & Health (L&H) licensing exam prep for Indiana, verified against Indiana Department of Insurance.

Iowa

Iowa Life licensing exam prep for Iowa, verified against Iowa Insurance Division.

Kansas

Kansas Life & Accident and Health Combo licensing exam prep for Kansas, verified against Kansas Insurance Department.

Kentucky

Kentucky Life licensing exam prep for Kentucky, verified against Kentucky Department of Insurance.

Louisiana

Louisiana Life, Health and Accident Combo licensing exam prep for Louisiana, verified against Louisiana Department of Insurance.

Maine

Maine Life, Accident & Health Combined licensing exam prep for Maine, verified against Maine Bureau of Insurance.

Maryland

Maryland Life, Accident & Health Combo licensing exam prep for Maryland, verified against Maryland Insurance Administration.

Massachusetts

Massachusetts Life Insurance Producer licensing exam prep for Massachusetts, verified against Massachusetts Division of Insurance.

Michigan

Michigan Life, Accident and Health Producer licensing exam prep for Michigan, verified against Michigan Department of Insurance and Financial Services.

Minnesota

Minnesota Life, Accident & Health Producer licensing exam prep for Minnesota, verified against Minnesota Department of Commerce.

Mississippi

Mississippi Life, Accident & Health Combo licensing exam prep for Mississippi, verified against Mississippi Insurance Department.

Missouri

Missouri Life, Accident and Health Insurance Producer licensing exam prep for Missouri, verified against Missouri Department of Commerce and Insurance.

Montana

Montana Life licensing exam prep for Montana, verified against Montana Commissioner of Securities and Insurance (Montana State Auditor's Office).

Nebraska

Nebraska Life, Accident and Health or Sickness Combo licensing exam prep for Nebraska, verified against Nebraska Department of Insurance.

Nevada

Nevada Life, Accident and Health Combined Examination licensing exam prep for Nevada, verified against Nevada Division of Insurance.

New Hampshire

New Hampshire Life, Accident & Health Combined licensing exam prep for New Hampshire, verified against New Hampshire Insurance Department.

New Jersey

New Jersey Life Producer licensing exam prep for New Jersey, verified against New Jersey Department of Banking and Insurance.

New Mexico

New Mexico Life, Accident and Health or Sickness Combo licensing exam prep for New Mexico, verified against New Mexico Office of Superintendent of Insurance.

New York

New York Life, Accident, and Health Insurance Agent/Broker licensing exam prep for New York, verified against New York State Department of Financial Services.

North Carolina

North Carolina Life Agent licensing exam prep for North Carolina, verified against North Carolina Department of Insurance.

North Dakota

North Dakota Life and Annuity licensing exam prep for North Dakota, verified against North Dakota Insurance Department.

Ohio

Ohio Life, Accident and Health Insurance Agent licensing exam prep for Ohio, verified against Ohio Department of Insurance.

Oklahoma

Oklahoma Life, Accident and Health or Sickness licensing exam prep for Oklahoma, verified against Oklahoma Insurance Department.

Oregon

Oregon Life and Health licensing exam prep for Oregon, verified against Oregon Division of Financial Regulation.

Pennsylvania

Pennsylvania Life, Accident and Health Insurance licensing exam prep for Pennsylvania, verified against Pennsylvania Insurance Department.

Rhode Island

Rhode Island Life licensing exam prep for Rhode Island, verified against Rhode Island Department of Business Regulation, Insurance Division.

South Carolina

South Carolina Life, Accident and Health licensing exam prep for South Carolina, verified against South Carolina Department of Insurance.

South Dakota

South Dakota Life, Accident & Health Combo licensing exam prep for South Dakota, verified against South Dakota Division of Insurance (Department of Labor and Regulation).

Tennessee

Tennessee Life, Accident and Health licensing exam prep for Tennessee, verified against Tennessee Department of Commerce and Insurance.

Texas

Texas General Lines — Life, Accident & Health licensing exam prep for Texas, verified against Texas Department of Insurance.

Utah

Utah Producer's Combined Life, Accident and Health licensing exam prep for Utah, verified against Utah Insurance Department.

Vermont

Vermont Life, Accident and Health Combo licensing exam prep for Vermont, verified against Vermont Department of Financial Regulation (DFR), Insurance Division.

Virginia

Virginia Life, Annuities & Health licensing exam prep for Virginia, verified against Virginia State Corporation Commission, Bureau of Insurance.

Washington

Washington Life and Disability Producer Combo licensing exam prep for Washington, verified against Washington State Office of the Insurance Commissioner.

Wisconsin

Wisconsin Life licensing exam prep for Wisconsin, verified against Wisconsin Office of the Commissioner of Insurance.

Wyoming

Wyoming Life and Accident and Health Combo licensing exam prep for Wyoming, verified against Wyoming Insurance Department.

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