Life Health Exam

The Life Health exam, also known as the Life and Health Insurance Licensing Exam, is used nationwide in the insurance industry. Insurance salespeople and other insurance professionals are licensed by the states to prevent against malfeasance and to guarantee professional standards. Insurance professionals dealing with individual clients usually sell life, health, accident, and property insurance. There is an exam for those who specialize in life, accident, and health insurance sales-Life, Accident and Health Agent Examination, more prosaically known as the Life Health exam.

The exam covers a broad range of content for insurance agents that insure people against bodily harm and illness. The three-hour, multiple-choice exam is made up of one hundred fifty questions that focus on the everyday duties and responsibilities of a working Life and Health agent. Questions cover product and processes as well as regulations and behaviors. It is broken down into eighteen discrete content areas. Several areas ask questions about the insurance industry in general. Five sections cover life insurance, ranging over topics like annuities, options, and tax advantages and requirements. Seven sections cover the ins and outs of health insurance. The topics in health insurance are numerous. Questions cover group policies, disability insurance quotes, and even dental insurance. The remaining questions cover specialty topics, such as insurance for seniors, while some cover the professional role of insurers. These questions focus on the ethical rules governing the industry as well as regulations circumscribing professionals.

The Life Health exam is administered by a private company but is used by many states in their licensing processes. The test is administered at testing centers with one advantage being that candidates are informed of their scores immediately. A passing mark is a score above 70 percent. This makes it easier for them to go about the remaining requirements of the licensing process in their states.

Life Health exam Study Guide | Life Health exam Flashcards | Life and Health Practice Questions