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Life insurance license exam guides

What candidates search for, answered from the exam outlines — no invented pass rates.

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.

7 min read

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.

4 min read

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.

6 min read

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.

6 min read

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.

6 min read

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.

8 min read
Life License Exam

State-specific practice for the life insurance licensing exam. Every question reviewed twice, every answer explained.

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Practice tests

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  • Free 10-question check
  • Question bank by topic

License by state

  • Texas life license
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Guides

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  • Term vs whole life
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Life License Exam is exam preparation. It is not affiliated with, endorsed by, or sponsored by any state department of insurance, Pearson VUE, PSI or any other testing provider. Exam formats are taken from the published candidate handbooks; always confirm current requirements with your state. © 2026 Life License Exam.