Life & Health license exam · CA · TX · FL · NY
Pass your state's Life & Health exam the first time.
Modern prep tuned to your state's exam outline. A free practice exam finds your weak spots, an AI tutor explains every wrong answer, and full-length mocks mirror the real test, at a fraction of what ExamFX and Kaplan charge.
Free 25-question exam. No card. See exactly where you stand in about 10 minutes.
- 4,900+
- exam-grade questions
- 60%
- cheaper than ExamFX
- 11
- NAIC elements covered
Why switch
Everything the legacy banks aren't.
| Feature | Lhexam | ExamFX / Kaplan |
|---|---|---|
| Price | $79 / state | $150–350 |
| AI tutor on every miss | Yes | No |
| State-specific question bank | Yes | Generic + add-on |
| Free readiness exam | Yes | No |
| Spaced repetition | Yes | No |
| Built this decade | Yes | 1998 called |
How it works
Diagnose. Drill. Pass.
- 01
Diagnose in 25 questions
A free, state-weighted exam estimates your readiness and shows exactly which elements are costing you points.
- 02
Study only what's weak
Short lessons written from the statute, a question bank tuned to your state, and an AI tutor that explains why the trap answer was wrong.
- 03
Mock until you pass
Full-length, element-weighted timed mocks that mirror your state's real exam: same length, same passing score, same pacing.
Why you can trust the bank
Built from the statute, checked twice.
Exam accuracy is the whole job. Here's exactly how the question bank is made — no hand-waving.
Sourced from law
Every item maps to NAIC model laws and your state's insurance code — not a paraphrase of a paraphrase.
Verified twice
Each question is blind-re-answered by independent AI models; anything they disagree with is reviewed or removed.
State-accurate sims
Mocks match each state's real exam: same length, same passing score (CA 60% · TX/FL/NY 70%), same pacing.
Risk-free
Full refund within 7 days if you haven't sat the exam. We'd rather you pass than stay billed.
- 4,900+
- verified questions
- 11
- NAIC elements covered
- 90+
- statute-sourced lessons
- 4
- states live (CA · TX · FL · NY)
How candidates use it
The study loop that gets people across the line.
Four habits the product is built to make easy. Pick your state, take the free exam, and the dashboard points you at the next one.
Diagnose first, then drill only what's weak
Start with the free exam to see where you actually stand. Most candidates find they're fine on life but losing points on health and tax, so they spend their study time only on the elements costing them the test.
Learn from every wrong answer
The AI tutor explains why the trap option was wrong and cites the actual rule, so the correction sticks. It beats re-reading a 300-page PDF you've already skimmed twice.
Rehearse the real exam, not a generic one
Full-length mocks match your state's length, timer, and passing score (CA 60%, TX/FL/NY 70%). Test day feels familiar because you've already sat the same format.
Keep it in memory until exam day
Spaced repetition resurfaces the facts you're about to forget, like annuity rules, policy provisions, and free-look windows, right up to the test.
Live now
Built end-to-end for four states.
Full lessons, a state-tuned question bank, and real-length mocks for each. More states roll out from the waitlist.
Pricing
One pass. Honest pricing.
Start with the free exam, no card. Upgrade only when you know it works.
Per state
$79
one-time · 90-day access
One state, one exam. Drop in, grind through the bank, sit your test.
Start free examMonthly
$29.99
per month · cancel anytime
All launch states. Most candidates cancel right after they pass, that's fine, it's why monthly exists.
Start free examAnnual
$150
per year · all states
Medicare brokers and multi-state independents. One price, unlimited state question banks for a year.
Start free examQuestions candidates actually ask.
- How hard is the L&H exam?
- Statewide first-time pass rates run 60-70% depending on the state. The national content is mostly memorization. State law sections are where most candidates lose points.
- How long does it take to study?
- Three to six weeks is typical at 10 hours per week. Texas allows you to sit immediately (no pre-licensing hours). Florida requires 60 hours of pre-licensing education before the exam.
- What's the total cost of getting licensed?
- Roughly $200-$350 in mandatory state fees alone (application + exam + fingerprinting), plus a pre-licensing course where required. Our $79 per-state tier replaces the $100-130 legacy question banks most candidates buy on top of that.
- Is the license worth getting?
- Yes if you plan to sell. Independent L&H producers in the US earn a median of $52k base plus commissions; Medicare brokers writing 10+ states routinely clear $150k. The license itself takes 4-8 weeks.
- Which states does Lhexam cover?
- California, Texas, Florida, and New York are live right now with full lessons, a state-tuned question bank, and real-length mock exams. Pennsylvania, Illinois, Ohio, Georgia, North Carolina, Michigan, and more are on the roadmap. Join the waitlist for your state and we prioritize by signup density.
- Can I start today?
- Yes. The free 25-question exam is open now, and the California, Texas, Florida, and New York courses are fully built. Take the free exam, see your weak spots, and upgrade only if you want the full question bank and mock exams.
- Are you affiliated with my state insurance department?
- No. Lhexam is an independent exam-prep tool. State insurance departments accredit pre-licensing courses; we are study material that supplements (or replaces, where allowed) that course.
- What is the Life & Health insurance license exam?
- A state-administered exam that producers must pass before legally selling life insurance, annuities, and health products. Most states use a combined L&H exam with around 150 questions and a 70% passing score.
See where you stand in 10 minutes.
The free exam tells you the truth about your readiness. No card, no commitment.
Start the free exam →Independent exam prep · not affiliated with any state insurance department