01 · DIAGNOSTICFind the topics to revisit
Start with a check-in, then use the results as a guide for focused practice.
Life insurance license exam prep for your state.
Practice with questions based on your state's exam outline, see why each answer is right, and know what to study next.
2,392published questions across 4 state banks
Reviewed twiceA second reviewer checks each question without the answer key
Sources includedExplanations link back to the underlying authority
State banksTX TexasFL FloridaGA GeorgiaNY New York
See the reasoning behind every answer.
This sample comes from the Texas question bank. Choose an answer to reveal the explanation and its source, just as you will in practice.
Texas · Types of Policies
A client wants permanent life insurance but wants all required premiums completed within 20 years. Which policy best matches that goal?
Answer and explanation
Answer: B. Limited-payment whole life compresses premium payments into a shorter period while the coverage is designed to last for life. The term choices provide temporary protection, and an annuity is not life insurance protection on the client’s life.Source: NAIC — Life Insurance — Whole Life Insurance > Types of whole life insurance > Limited payment whole life insurance
Pick your state. Get its exam, its law, its format.
A national question set skips the part that decides most results: your state's own insurance code. Each bank here is built from that state's published outline.
TX
Texas
Texas Life Agent
590 questions · 80 on the exam120 min · Pearson VUE
FLFlorida
Florida 2-14 Life & Annuities
589 questions · 85 on the exam120 min · Pearson VUE
GAGeorgia
Georgia Life Agent
592 questions · 80 on the exam120 min · Pearson VUE
NYNew York
New York Life Agent/Broker
621 questions · 100 on the exam120 min · PSI
From a first estimate to a plan with a date on it.
Take the free check
10 questions here, or the 15-question diagnostic in the app. It shows which topics are weak — a first estimate, not a score.
Set your exam date
The app turns the days you have into one target per day. Miss a day and it becomes a small backlog, not a wall.
Work the daily cycle
Spaced review of what you missed, a short focused read, mixed practice, and a follow-up on whatever you just got wrong.
A clearer path from practice to exam day.
See how the tools fit together: identify a topic, understand the answer, and decide what to review next.
01 · DIAGNOSTIC
02 · EXPLANATIONUnderstand why an answer fits
Read the reasoning and check the cited source behind the answer.
03 · NEXT STEPKnow what to work on next
Keep your next study target visible as you work toward exam day.
Example · Texas Life Agent
Today's plan
12of 20 today
- Spaced review6 due
- Read: Grace period4 min
- Mixed practice8 left
- Follow-up question1
Continue
Readiness that moves slowly, on purpose.
Readiness counts only questions you answered on your own, across the whole syllabus. Guesses and hinted answers go back into review instead.
- Mock exams in the real formatTexas 80 · Florida 85 · Georgia 80 · New York 100 scored questions, 120 minutes, scored against 70% with a topic breakdown.
- Miss it once, see it againA spaced-repetition deck built from the questions you missed or saved.
- Every answer explained — even on the free planWith the statute or source behind it, so you can check it yourself.
- Works offlineOnce your state bank is downloaded.
Why the questions are different.
Each question is written against the official outline with its source cited, then answered blind by a second reviewer. If the two disagreed, the question stayed out — which is why 8 Georgia and 8 New York questions were held back rather than shipped.
Written
Against the state's published exam outline, with a cited source on every question.
Reviewed blind
A second reviewer answers without the key and flags anything ambiguous.
Published only if both agree
Disagreements and ambiguous items are held back, not shipped.
Free, and what premium adds.
Enough free to judge the product honestly. Premium is one-time or weekly.
Free
- 15-question diagnostic
- Explanations on every question
- Spaced-repetition review deck
- A daily practice allowance
Premium
- Unlimited practice across your state bank
- Full-length mock exams in the real format
- Complete per-topic breakdown
- One-time unlock or weekly — same content
Free practice tests by state.
20 real questions from each state bank, with the answer and the source under every one.
Guides
Short, sourced answers to what candidates actually search for.
How to Get a Life Insurance License: The Steps, in Order
The path from zero to a licensed life insurance agent: pre-licensing, the state exam, background check and application — and where people lose time.
Life Insurance Exam Format by State: Questions, Time and Pass Mark
Side-by-side exam format for Texas, Florida, Georgia and New York: scored questions, pretest questions, time limit, pass mark and what share is state law.
How Hard Is the Life Insurance Exam? What Actually Trips People Up
The life insurance license exam is passable with focused study. Here is where it is genuinely hard — state law, look-alike policy types, and precise provisions.
A Life Insurance Exam Study Plan Built Around Your Test Date
How to turn the time you have before the exam into a daily plan: diagnostic, topic weighting, spaced review, and mock exams in the last stretch.
Term vs. Whole Life for the Exam: How to Tell Policies Apart
Exam-focused comparison of term, whole, universal and variable life by premium, death benefit and cash value — the three features the questions test.
Life Insurance Policy Provisions You Must Know for the Exam
Grace period, incontestability, free look, reinstatement, suicide clause, nonforfeiture and settlement options — what each one does and how the exam asks about it.
Questions
Is the practice test really free?
Yes. The 10-question check on this site and the 4 state practice tests are free with no sign-up. In the app, the 15-question diagnostic, every explanation and the spaced-review deck are free; premium adds unlimited practice, full mock exams and the full topic breakdown.
Which states do you cover?
Texas (Texas Life Agent), Florida (Florida 2-14 Life & Annuities), Georgia (Georgia Life Agent), New York (New York Life Agent/Broker). Each state has its own question bank written against that state's exam outline and its own insurance law.
What score do I need to pass the life insurance exam?
All 4 exams we cover use a 70% pass mark on the scored questions — for example 56 correct out of 80 in Texas. Unscored pretest questions are mixed in and don't count.
How are the questions checked?
Every question is written against the official state outline with its source cited, then answered a second time by an independent reviewer who never saw the answer key. Questions where the two disagreed, or that the reviewer marked ambiguous, were not published.
Does the free test tell me if I'm ready?
It gives a first estimate from 10 questions — useful to see which topics need work, but too small a sample to call you ready. Readiness in the app is based on your independent correct answers across the whole syllabus.
Are you affiliated with Pearson VUE, PSI or my state?
No. We are an independent exam-prep product. Exam formats come from the providers' published candidate handbooks, linked on each state page.
See where you stand in five minutes.
10 questions from your state's bank, each explained. Then a plan built from your exam date.