Who writes this, and how we build it.

Lhexam is built by the team behind Ciroexam, a Canadian licensing exam prep platform. We took the same approach — map the official exam outline, write from the source law, and drill with realistic questions — and rebuilt it for the US Life & Health licensing exams.

Content is published under The Lhexam Editorial Team. We don't invent named experts or paste fake credentials on a page. What we stand behind is the sourcing and the method below, which you can check against the statutes yourself.

Every state exam follows a published content outline. We start from that outline and the primary law it points to, then write lessons and questions directly from those sources:

• The NAIC Life & Health model laws and regulations that states adopt.
• The Internal Revenue Code sections that govern how life insurance, annuities, and health accounts are taxed.
• CMS publications for Medicare, Medicaid, and ACA rules.
• Each state's own insurance code for the state-law section, which is where most candidates lose points.

We write from the statute or model regulation rather than paraphrasing a copyrighted study guide, and every draft is reviewed against the source text before it's published. State-law lessons cite the specific code sections they come from, so you can verify them at the source.

Lhexam is independent exam prep. We are not affiliated with any state insurance department, the NAIC, or any testing vendor (PSI, Prometric, Pearson VUE). Fees, hours, and passing scores change; we cite each state insurance department so you can confirm the current rules before you register.

Today the full course is live for California, Texas, Florida, and New York. More states roll out as each state-law bank is written and reviewed.