Life & Health exam guides
Straight, fact-checked answers on cost, difficulty, study time, and what the exam actually tests — written from state handbooks and the NAIC outline.
Cost · 5 min read
Life & Health Insurance License Cost (2026): Full Breakdown
What it really costs to get a Life & Health insurance license in 2026 — application, exam, fingerprinting, and pre-licensing fees, plus a state-by-state comparison.
Exam · 6 min read
How Hard Is the Life & Health Insurance Exam? (Pass Rates, 2026)
First-time pass rates, what the Life & Health exam actually tests, and the section where most candidates lose points. An honest look at exam difficulty in 2026.
Study · 7 min read
Life & Health Insurance Exam Cheat Sheet (Free, 2026)
A free, no-signup Life & Health exam cheat sheet: the must-know definitions, policy provisions, tax rules, and Medicare facts that show up most on the L&H licensing exam.
Study · 4 min read
How Long to Study for the Life & Health Insurance Exam
How many hours and weeks it takes to prepare for the Life & Health insurance exam, with a realistic study schedule and the factors that speed it up or slow it down.
Career · 5 min read
Is a Life & Health Insurance License Worth It in 2026?
Income potential, startup cost, and time-to-license for a Life & Health insurance producer — an honest look at whether the license is worth getting in 2026.