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Training for Insurance Professionals

Life and Health Insurance Exam

​You can take a life insurance exam or a health insurance exam or you can be proactive and take the combined life and health insurance exam. If there is any chance that you may need or use both in the field, you might as well go ahead and take the combined exam. (not all states offer a combined exam) The differences are almost minimal and you don’t necessarily have to spend any more time studying for the combined exam than you would for each individual exam either. Note: Required prelicensing hours differ when taking health only/life only as opposed to combined in some states.

Life and Health Vs. Life or Health

Maybe you’re wondering just what the difference is and why it really matters whether you take just the life or health or take the combined exam. When you take just the life insurance exam, it is geared specifically towards life insurance and does not include the practicalities of health insurance. When you take the health insurance exam, it’s the same story but it’s geared towards health insurance and won’t contain the life insurance details. When you take the life and health insurance exam, you get both topics bundled into one exam. This exam will contain questions related to the following.
● HMOs
● Health insurance tax issues
● Annuities
● Annuity policy and tax issues
● Life insurance policies
● Health insurance
● Dental coverage
● Medical plans
● Policy riders/options for life insurance
● Disability income
● Life insurance general knowledge
● Life insurance tax issues

When you take the exam, you will answer 150 questions (varies by state) for the combined life and health insurance. Interestingly enough, taking just the life insurance or just the health insurance will have a similar number of questions so this actually spreads the questions out over more topics.

Studying for Life and Health Insurance Exam

Keep in mind that your study needs may not be the same as your co-worker’s study needs. They may have tips and recommendations for you but you really need to keep in mind what type of study approach will work best for you. In general, you should plan to study for about 35-40 hours prior to taking your exam. You may also determine that you need to take an exam prep course and there are a lot of different options out there for these courses. Note: Required hours differ by state, some states require prep course, others do not Find a resource that offers a course that fits within your needs. Whether you want online courses, an in-classroom setting or a webinar, there are options out there for you. We also recommend that you take practice tests and exams multiple times to help you study. This will give you practice with reading questions and answering them to prepare you for how the test will work when you take it.

Taking the Exam

Most life and health insurance exams require a passing rate of 70% or higher. When you take the exam, do your best to stay calm and just work diligently through each question as you go. Staying calm and not panicking when a question confuses you is the best approach. Read each question carefully and read all of the options carefully before you answer as well. If you feel stuck on a question, mark your best guess, and then you can mark the question to review again once you’ve answered all of the other questions.

If you’d like, please feel free to take a look at our class schedule to purchase or schedule your classes today!