Fazlur Rahman
The life and health (L&H) insurance exam is the state licensing test required to sell life, health, and annuity products to US consumers. Candidates complete 20–40 hours of pre-licensing education (depending on line of authority) before sitting a 100–150 question state exam with a 70% pass mark. Total first-year cost ranges $200–$700 including course, exam fee, and license application; license is valid 2 years with 16–30 hours of continuing education per renewal (NAIC, 2026).
Data last verified September 2026 from the National Association of Insurance Commissioners (NAIC) Producer Licensing Model Act and state Departments of Insurance.
Lines of authority and pre-licensing hours
| Line of authority | Pre-licensing hours | Typical state exam fee | License cycle |
|---|---|---|---|
| Life only | 20 hours | $50–$100 | 2 years |
| Health only (sickness/accident) | 20 hours | $50–$100 | 2 years |
| Life and Health (combined) | 40 hours | $75–$150 | 2 years |
| Variable life and annuity | 40 hours L&H + FINRA Series 6/7 | $75–$150 + FINRA fee | 2 years |
Source: National Association of Insurance Commissioners (2026).
