Quick Start Practice
Life Insurance Exam Topics Covered
Select Your State for Life Insurance Exam Prep
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How this free life insurance practice test works
Every life insurance practice test here is free with no registration - you can take a full timed mock exam, an instant-feedback quiz, or review mode as many times as you like. The bank holds 276 original life insurance questions written against the published exam content outlines, covering policy types, riders, annuities, underwriting, federal tax rules, and state insurance law.
The real life insurance licensing exam differs by state: across the 51 US jurisdictions the scored portion ranges from 60 to 150 questions, and passing scores range from 60% to 72% depending on where you test. Choose your state below and the mock exam mirrors your state's real question count and time limit, with the passing verdict judged against your state's official cut score.
Searching for a combined life and health insurance practice exam? Several states - including Ohio and Michigan - offer a single 150-question Life, Accident & Health exam alongside the separate lines. You can practice both banks here free, or mix life and health topics in one session with the custom test builder.
Taking life and health together? Free health insurance practice tests
Sitting a combined exam? See the life and health insurance practice exam page for the states that test both lines together (Texas, Ohio, Georgia, Florida, New York).
Life insurance practice test FAQs
Is this life insurance practice test really free?
Yes - every question, mock exam, and PDF download is free, with no account, no email, and no question limit. The site is supported by ads, never by paywalls.
How many questions are on the real life insurance exam?
It depends on your state: the scored portion ranges from 60 to 150 questions across US jurisdictions, and most states add a handful of unscored experimental questions. Pick your state below to see its exact count, time limit, and fee from the official candidate handbook.
What score do I need to pass the life insurance exam?
Most states require 70%, but verified cut scores range from 60% (California) to 72% (Michigan). Your state page and your practice results both use your state's real passing score.
Are these questions state-specific?
The bank covers the national core every state tests, plus dedicated state-law questions for selected states - a state-specific test reserves about a quarter of its questions for your state's own insurance law, matching how real exams are weighted.
Most-practiced life insurance state exams
Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Meet the instructors.