Free Life and Health Insurance Practice Exam
Preparing for a combined Life, Accident and Health licensing exam? Practice the life half and the health half here, free, with 556+ original questions and an explanation for every one.
What the life and health exam covers
"Life and health" is one licence line in many states - Texas calls it General Lines Life, Accident and Health, Georgia calls it Life, Accident and Sickness, Florida issues it as the 2-15 licence, and Ohio, New York and Michigan offer a single combined sitting alongside the separate exams. Whichever name your state uses, the exam draws on two national outlines at once: the life outline (policy types, riders and provisions, underwriting, annuities, retirement and tax rules) and the accident & health outline (medical expense plans, disability income, group coverage, Medicare and Medicaid, the Affordable Care Act).
This site keeps the two banks separate so each mirrors its own outline exactly: 276 original life questions and 280 original health questions, every one with an explanation. To prepare for a combined exam, run the timed mock exam for each line, then use quiz mode to drill the topics you miss. The state pages below quote the official question counts, time limits, passing scores and fees for each combined exam, taken from the current candidate handbooks.
Practice questions reviewed by Michael Bennett, Robert Hayes, Rebecca Lawson and Jennifer Collins — working insurance professionals with 50 years of combined experience. Meet the instructors.
Practice both halves of the exam
A combined exam draws on two outlines, so the practice is two banks: 276 life questions and 280 health questions, each with an explanation. Take the timed mock exam for each line, then drill weak topics in quiz mode.
Life insurance half
Want one session that mixes both? The custom test builder lets you pick topics from either line and set your own question count.
States with a combined life and health exam
Question counts, time limits, passing scores and fees quoted from each state's current candidate handbook, with the official outline sections.
Your state not listed? It tests the two lines separately - use its life and health practice pages.
Life and health practice exam FAQs
Is the life and health insurance exam one test or two?
It depends on the state. Texas, Georgia and Florida test both lines in one exam by default; Ohio, New York and Michigan offer a combined exam as an option next to the separate Life and Accident & Health exams; other states test each line separately.
How long is a combined life and health exam?
Typically 2.5 hours for 150 questions. Texas allows 150 minutes for 145 questions, Florida 2.75 hours for 165 questions, Georgia 2.5 hours for 135 questions.
Is this life and health practice exam free?
Yes. Every practice test on this site is free with no registration: timed mock exams, instant-feedback quizzes and review mode for both the life and the health banks.
Does the practice test include my state's law questions?
State pages show the official exam structure and the state-law topics from the content outline. The question banks cover the national material that every state tests; confirm current state rules with your insurance department.