# Lhexam

> Modern Life & Health (L&H) insurance license exam prep for US producers. State-specific question banks tuned to each state's NAIC outline plus the state-law section, AI-tutored explanations on every wrong answer, and a 30-day mobile-first study plan. Pricing: $79 one-time per state (90-day access), $29.99/month subscription, or $150/year all-states. Live now in California, Texas, Florida, and New York, with more states on the way.

Last updated: 2026-06-19

## What Lhexam is

- Independent exam-prep tool. Not a state-approved pre-licensing course.
- Supplements (does not replace) the state-mandated pre-licensing hours where states require them.
- Built by the team behind ciroexam.ca (Canadian CIRO/CIRE exam prep).
- Live now in California, Texas, Florida, and New York. More states roll out from the waitlist by signup density.

## Pricing (USD)

- $79 one-time per state, 90-day access. For single-state candidates writing one exam.
- $29.99 per month, cancel anytime. For active study cohorts who pass and unsubscribe.
- $150 per year, all launch states. For Medicare brokers and multi-state independents.
- Waitlist members get launch-week discount and 14-day early access.

## Core pages

- [Homepage](https://lhexam.com/): Hero, problem framing, features, state selector, NAIC outline, pricing, FAQ.
- [All states hub](https://lhexam.com/states): Per-state vendor, fees, hours, passing score in one table.
- [How to get a Life & Health insurance license (2026 guide)](https://lhexam.com/guide): Five steps, the NAIC exam outline, costs, timeline, and state-by-state differences.
- [Blog](https://lhexam.com/blog): Guides on license cost, exam pass rates, how long to study, a free cheat sheet, and whether the license is worth it.

## State pages

Each state page covers the testing vendor, passing score, pre-licensing hours, application fee, exam fee, exam length, time limit, and a state-specific FAQ. Data sourced from each state insurance department's published handbook.

- [California](https://lhexam.com/states/california): PSI, 60% to pass, 40h pre-licensing, $72 exam fee. California is one of the few states using a 60% passing score and a 12-hour ethics requirement layered on top of 20/20 pre-licensing hours. PSI is the only testing vendor.
- [Texas](https://lhexam.com/states/texas): Pearson VUE, 70% to pass, no pre-licensing required, $64 exam fee. Texas dropped its pre-licensing hour requirement in 2003, you can sit the exam without any classroom hours. That makes self-study with a strong question bank the rational play.
- [Florida](https://lhexam.com/states/florida): Pearson VUE, 70% to pass, 60h pre-licensing, $44 exam fee. Florida bundles Life, Health, and Variable Annuity into a single 2-15 license requiring 60 pre-licensing hours from a state-approved provider. The exam is administered by Pearson VUE.
- [New York](https://lhexam.com/states/new-york): PSI, 70% to pass, 40h pre-licensing, $33 exam fee. New York requires 20 pre-licensing hours per line and uses PSI for testing. The state insurance regulator (DFS) treats L&H separately from securities even though many candidates carry both.
- [Pennsylvania](https://lhexam.com/states/pennsylvania): PSI, 70% to pass, 24h pre-licensing, $57 exam fee. Pennsylvania requires 24 hours per line and uses PSI. The combined L&H license consolidates both lines on one exam, typical path for new producers in the state.
- [Illinois](https://lhexam.com/states/illinois): PSI, 70% to pass, 7.5h pre-licensing, $41 exam fee. Illinois moved insurance licensing under IDFPR and requires 7.5 hours of state-specific content as part of a 20-hour pre-licensing course per line. PSI runs the exams.
- [Ohio](https://lhexam.com/states/ohio): PSI, 70% to pass, 40h pre-licensing, $45 exam fee. Ohio's Department of Insurance requires 20 hours per line and uses PSI for testing. The Ohio L&H combined exam is one of the longer ones at 170 questions.
- [Georgia](https://lhexam.com/states/georgia): PSI, 70% to pass, 40h pre-licensing, $63 exam fee. Georgia's Office of Commissioner of Insurance requires 20 hours per line and uses PSI. Background check and fingerprinting are non-negotiable steps before the exam.
- [North Carolina](https://lhexam.com/states/north-carolina): Pearson VUE, 70% to pass, 40h pre-licensing, $45 exam fee. North Carolina requires 20 pre-licensing hours per line and uses Pearson VUE for testing. State-specific content runs about 30% of the exam.
- [Michigan](https://lhexam.com/states/michigan): PSI, 70% to pass, 40h pre-licensing, $54 exam fee. Michigan's DIFS requires 20 hours per line and uses PSI for testing. The state application fee is the lowest of the top-10 launch states at $10.
- [New Jersey](https://lhexam.com/states/new-jersey): PSI, 70% to pass, no pre-licensing required, $47 exam fee. New Jersey has no mandatory pre-licensing education requirement — you can sit the PSI exam as soon as you're ready, which makes a strong question bank the whole game.
- [Virginia](https://lhexam.com/states/virginia): PSI, 70% to pass, no pre-licensing required, $53 exam fee. Virginia's SCC Bureau of Insurance requires no pre-licensing education — pass the PSI exam and apply. A low application fee makes it one of the cheaper states to get licensed in.
- [Washington](https://lhexam.com/states/washington): PSI, 70% to pass, no pre-licensing required, $62 exam fee. Washington's OIC uses PSI and requires no pre-licensing education. The state leans on a broad, application-heavy question pool, so practice volume matters.
- [Arizona](https://lhexam.com/states/arizona): PSI, 70% to pass, no pre-licensing required, $42 exam fee. Arizona's DIFI requires no pre-licensing education and uses PSI for testing — a fast path to licensed if your exam prep is solid.
- [Massachusetts](https://lhexam.com/states/massachusetts): PSI, 70% to pass, no pre-licensing required, $55 exam fee. Massachusetts uses PSI and requires no pre-licensing education, but the application fee runs higher than most states — make your first attempt count.
- [Alabama](https://lhexam.com/states/alabama): the state insurance department, 70% to pass, no pre-licensing required, $75 exam fee. Alabama runs its own combined Life and Health exam through the University of Alabama, a 150 question test with a 180 minute limit and a 70 percent passing score, and as of January 1 2024 no pre-licensing certificate is required.
- [Alaska](https://lhexam.com/states/alaska): Pearson VUE, 70% to pass, no pre-licensing required, $89 exam fee. Alaska uses Pearson VUE and requires no pre-licensing education, but its exams are large: the Life exam and the Health exam each carry 110 questions, so a candidate testing for both lines answers 220 questions in total.
- [Arkansas](https://lhexam.com/states/arkansas): PSI, 70% to pass, 40h pre-licensing, $50 exam fee. Arkansas administers its producer exams through PSI with a 50 dollar exam fee and a 70 percent passing score, and it requires 20 pre-licensing hours per line, 40 hours total for the combined Life and Health license.
- [Colorado](https://lhexam.com/states/colorado): Pearson VUE, 70% to pass, 100h pre-licensing, $41 exam fee. Colorado does not offer a single combined Life and Health exam; candidates take separate Life and Accident and Health exams through Pearson VUE, each two hours, and the resident license fee is 44 dollars per authority.
- [Connecticut](https://lhexam.com/states/connecticut): Pearson VUE, 70% to pass, 40h pre-licensing, $105 exam fee. Connecticut requires a mandatory pre-licensing course totaling 40 hours for the combined license and tests through Pearson VUE, where the combined Life, Accident and Health exam costs 105 dollars and allows 150 minutes.
- [Delaware](https://lhexam.com/states/delaware): Pearson VUE, 70% to pass, no pre-licensing required, $90 exam fee. Delaware requires no pre-licensing education and tests through Pearson VUE, where a single 90 dollar fee covers both the Life and the Accident and Health exams if taken the same day, with each exam allowing 135 minutes.
- [Hawaii](https://lhexam.com/states/hawaii): Pearson VUE, 70% to pass, no pre-licensing required, $75 exam fee. Hawaii uses Pearson VUE with a 75 dollar exam fee and a 70 percent passing score, requires no pre-licensing education, and structures each Life and Health exam as a general section plus a state section totaling 120 minutes.
- [Idaho](https://lhexam.com/states/idaho): Pearson VUE, 70% to pass, no pre-licensing required, $65 exam fee. Idaho requires no pre-licensing education and uses Pearson VUE, charging an 80 dollar state application fee and a 65 dollar fee per exam, with a 70 percent passing score and separate Life and Accident and Health exams of 120 minutes each.
- [Indiana](https://lhexam.com/states/indiana): Pearson VUE, 70% to pass, 40h pre-licensing, $69 exam fee. Indiana requires 40 hours of pre-licensing education for the combined Life and Health license, uses Pearson VUE for a 150 question combined exam of 180 minutes, charges a 40 dollar application fee and a 69 dollar exam fee, and sets the passing score at 70 percent.
- [Iowa](https://lhexam.com/states/iowa): Pearson VUE, 70% to pass, no pre-licensing required, $44 exam fee. Iowa requires no pre-licensing education and uses Pearson VUE, charging a 50 dollar state application fee and a 44 dollar fee per exam, with a 70 percent passing score required on each of the two-hour Life and Accident and Health exams.
- [Kansas](https://lhexam.com/states/kansas): Pearson VUE, 70% to pass, no pre-licensing required, $64 exam fee. Kansas requires no pre-licensing education and uses Pearson VUE, offering a 154 question combined Life and Accident and Health exam of 150 minutes for a 64 dollar fee, with a 30 dollar application fee and a 70 percent passing score.
- [Kentucky](https://lhexam.com/states/kentucky): the state insurance department, 70% to pass, 40h pre-licensing, $50 exam fee. Kentucky requires 40 hours of pre-licensing education for combined life and health, administers its own exam through the Department of Insurance rather than a national vendor, charges a 40 dollar application fee and a 50 dollar exam fee, and requires a 70 percent passing score.
- [Louisiana](https://lhexam.com/states/louisiana): PSI, 70% to pass, no pre-licensing required, $53 exam fee. Louisiana uses PSI for licensing exams and does not require pre-licensing education, offering a 150 question combined Life, Health and Accident exam of 160 minutes for a 53 dollar fee, with a 75 dollar resident application fee and a 70 percent passing score.
- [Maine](https://lhexam.com/states/maine): Pearson VUE, 70% to pass, no pre-licensing required, $80 exam fee. Maine requires no pre-licensing education and uses Pearson VUE, with a combined Life, Accident and Health exam lasting 3 hours 30 minutes for an 80 dollar fee, a 25 dollar resident license fee, and a 70 percent passing score.
- [Maryland](https://lhexam.com/states/maryland): Prometric, 70% to pass, 40h pre-licensing, $60 exam fee. Maryland requires a 20 hour study course per line of authority, charges a 54 dollar resident producer application fee, and administers the combined Life, Accident and Health exam through Prometric for a 60 dollar fee.
- [Minnesota](https://lhexam.com/states/minnesota): PSI, 70% to pass, 40h pre-licensing, $45 exam fee. Minnesota requires 20 hours of pre-approved education per line of authority, uses PSI for the exam at a 45 dollar fee, and sets the combined Life, Accident and Health exam at 3 hours with a 70 percent passing score.
- [Mississippi](https://lhexam.com/states/mississippi): Pearson VUE, 65% to pass, 40h pre-licensing, $50 exam fee. Mississippi uses Pearson VUE for a 50 dollar exam, requires a 65 percent passing score on the Life, Accident and Health producer exam, and charges a 100 dollar license application fee.
- [Missouri](https://lhexam.com/states/missouri): Pearson VUE, 70% to pass, no pre-licensing required, $40 exam fee. Missouri requires no state-mandated pre-licensing education, administers the combined Life, Accident and Health exam through Pearson VUE for 40 dollars, and sets a 70 percent passing score.
- [Montana](https://lhexam.com/states/montana): Pearson VUE, 75% to pass, no pre-licensing required, $65 exam fee. Montana charges no resident producer application fee, requires no pre-licensing education, uses Pearson VUE for a 65 dollar exam, and sets a 75 percent passing score, higher than most states.
- [Nebraska](https://lhexam.com/states/nebraska): PSI, 70% to pass, 40h pre-licensing, $47 exam fee. Nebraska uses PSI for insurance exams, charging 47 dollars for the 150 question combined Life, Accident and Health exam, with a 70 percent passing score and a 50 dollar license application fee.
- [Nevada](https://lhexam.com/states/nevada): Pearson VUE, 70% to pass, 40h pre-licensing, $47 exam fee. Nevada requires 20 hours of education per line of authority, uses Pearson VUE for a 47 dollar combined exam fee, and charges a 185 dollar resident producer license fee.
- [New Hampshire](https://lhexam.com/states/new-hampshire): PSI, 70% to pass, no pre-licensing required, $72 exam fee. New Hampshire requires no pre-licensing education and uses PSI for the 150 question Life, Accident and Health exam, which has a 70 percent passing score and a 2.5 hour time limit.
- [New Mexico](https://lhexam.com/states/new-mexico): PSI, 70% to pass, no pre-licensing required, $75 exam fee. New Mexico requires no pre-licensing education and administers its combined Life, Accident and Health exam through PSI with 150 questions, a 2.5 hour limit, and a 70 percent passing score.
- [North Dakota](https://lhexam.com/states/north-dakota): PSI, 70% to pass, no pre-licensing required, $64 exam fee. North Dakota requires no pre-licensing education and tests Life and Annuity and Accident and Health as separate PSI exams, each with 110 questions, a 150 minute limit, a 64 dollar fee, and a 70 percent passing score.
- [Oklahoma](https://lhexam.com/states/oklahoma): PSI, 70% to pass, no pre-licensing required, $38 exam fee. Oklahoma requires no pre-licensing education and uses PSI for the combined Life, Accident and Health exam, which has 150 questions split into a general section and a state section, each needing a 70 percent score.
- [Oregon](https://lhexam.com/states/oregon): PSI, 70% to pass, 40h pre-licensing, $55 exam fee. Oregon requires 40 hours of pre-licensing education for the combined Life and Health line and tests it through PSI with a 150 question exam, a 2.5 hour limit, and a 70 percent passing score.
- [Rhode Island](https://lhexam.com/states/rhode-island): Pearson VUE, 70% to pass, no pre-licensing required, $80 exam fee. Rhode Island requires no pre-licensing education and uses Pearson VUE for separate Life and Accident and Health exams, each with 80 questions, a 120 minute limit, and a 70 percent passing score.
- [South Carolina](https://lhexam.com/states/south-carolina): Pearson VUE, 70% to pass, no pre-licensing required, $59 exam fee. South Carolina requires no pre-licensing education and uses Pearson VUE for the combined Life, Accident and Health exam, which has 140 scored questions, a 150 minute limit, and a 70 percent passing score.
- [South Dakota](https://lhexam.com/states/south-dakota): Pearson VUE, 70% to pass, no pre-licensing required, $95 exam fee. South Dakota requires no state pre-licensing education and its combined Life, Accident and Health Pearson VUE exam has 145 questions with a 150 minute limit and a 70 percent passing score.
- [Tennessee](https://lhexam.com/states/tennessee): Pearson VUE, 70% to pass, 40h pre-licensing, $80 exam fee. Tennessee uses Pearson VUE, sets 70 percent as the passing score, charges a 50 dollar resident producer application fee, and prices the combined Life and Accident and Health exam at 80 dollars.
- [Utah](https://lhexam.com/states/utah): Prometric, 70% to pass, no pre-licensing required, $44 exam fee. Utah contracts with Prometric, requires no state pre-licensing education, charges a 70 dollar resident individual producer license fee, and its combined Series 17-03 Life, Accident and Health exam has 150 questions in a 150 minute limit.
- [Vermont](https://lhexam.com/states/vermont): Prometric, 70% to pass, no pre-licensing required, $65 exam fee. Vermont uses Prometric, requires no state pre-licensing education, and its Series 14-29 combined Life, Accident, Health and HMO producer exam has 150 questions with a 150 minute limit.
- [West Virginia](https://lhexam.com/states/west-virginia): Pearson VUE, 70% to pass, 40h pre-licensing, $84 exam fee. West Virginia requires 20 hours of pre-licensing education per line and administers Life and Accident and Health as two separate Pearson VUE exams, each with 90 questions, a 120 minute limit, an 84 dollar fee, and a 70 percent passing score.
- [Wisconsin](https://lhexam.com/states/wisconsin): PSI, 70% to pass, 32h pre-licensing, $75 exam fee. Wisconsin requires pre-licensing education through PSI, gives Life and Accident and Health as separate 100 question, 120 minute exams at 75 dollars each, and sets a 70 percent passing score.
- [Wyoming](https://lhexam.com/states/wyoming): Pearson VUE, 70% to pass, no pre-licensing required, $113 exam fee. Wyoming requires no state pre-licensing education, charges resident applicants a 100 dollar license fee, and its combined Pearson VUE Life and Accident and Health exam has 150 questions, a 150 minute limit, a 113 dollar fee, and a 70 percent passing score.

## Free practice exams

Ungated practice questions with worked answers and explanations, one set per state, covering the national NAIC content every state L&H exam shares. No signup required.

- [California practice exam](https://lhexam.com/states/california/practice)
- [Texas practice exam](https://lhexam.com/states/texas/practice)
- [Florida practice exam](https://lhexam.com/states/florida/practice)
- [New York practice exam](https://lhexam.com/states/new-york/practice)
- [Pennsylvania practice exam](https://lhexam.com/states/pennsylvania/practice)
- [Illinois practice exam](https://lhexam.com/states/illinois/practice)
- [Ohio practice exam](https://lhexam.com/states/ohio/practice)
- [Georgia practice exam](https://lhexam.com/states/georgia/practice)
- [North Carolina practice exam](https://lhexam.com/states/north-carolina/practice)
- [Michigan practice exam](https://lhexam.com/states/michigan/practice)
- [New Jersey practice exam](https://lhexam.com/states/new-jersey/practice)
- [Virginia practice exam](https://lhexam.com/states/virginia/practice)
- [Washington practice exam](https://lhexam.com/states/washington/practice)
- [Arizona practice exam](https://lhexam.com/states/arizona/practice)
- [Massachusetts practice exam](https://lhexam.com/states/massachusetts/practice)
- [Alabama practice exam](https://lhexam.com/states/alabama/practice)
- [Alaska practice exam](https://lhexam.com/states/alaska/practice)
- [Arkansas practice exam](https://lhexam.com/states/arkansas/practice)
- [Colorado practice exam](https://lhexam.com/states/colorado/practice)
- [Connecticut practice exam](https://lhexam.com/states/connecticut/practice)
- [Delaware practice exam](https://lhexam.com/states/delaware/practice)
- [Hawaii practice exam](https://lhexam.com/states/hawaii/practice)
- [Idaho practice exam](https://lhexam.com/states/idaho/practice)
- [Indiana practice exam](https://lhexam.com/states/indiana/practice)
- [Iowa practice exam](https://lhexam.com/states/iowa/practice)
- [Kansas practice exam](https://lhexam.com/states/kansas/practice)
- [Kentucky practice exam](https://lhexam.com/states/kentucky/practice)
- [Louisiana practice exam](https://lhexam.com/states/louisiana/practice)
- [Maine practice exam](https://lhexam.com/states/maine/practice)
- [Maryland practice exam](https://lhexam.com/states/maryland/practice)
- [Minnesota practice exam](https://lhexam.com/states/minnesota/practice)
- [Mississippi practice exam](https://lhexam.com/states/mississippi/practice)
- [Missouri practice exam](https://lhexam.com/states/missouri/practice)
- [Montana practice exam](https://lhexam.com/states/montana/practice)
- [Nebraska practice exam](https://lhexam.com/states/nebraska/practice)
- [Nevada practice exam](https://lhexam.com/states/nevada/practice)
- [New Hampshire practice exam](https://lhexam.com/states/new-hampshire/practice)
- [New Mexico practice exam](https://lhexam.com/states/new-mexico/practice)
- [North Dakota practice exam](https://lhexam.com/states/north-dakota/practice)
- [Oklahoma practice exam](https://lhexam.com/states/oklahoma/practice)
- [Oregon practice exam](https://lhexam.com/states/oregon/practice)
- [Rhode Island practice exam](https://lhexam.com/states/rhode-island/practice)
- [South Carolina practice exam](https://lhexam.com/states/south-carolina/practice)
- [South Dakota practice exam](https://lhexam.com/states/south-dakota/practice)
- [Tennessee practice exam](https://lhexam.com/states/tennessee/practice)
- [Utah practice exam](https://lhexam.com/states/utah/practice)
- [Vermont practice exam](https://lhexam.com/states/vermont/practice)
- [West Virginia practice exam](https://lhexam.com/states/west-virginia/practice)
- [Wisconsin practice exam](https://lhexam.com/states/wisconsin/practice)
- [Wyoming practice exam](https://lhexam.com/states/wyoming/practice)

## Common questions

- The L&H exam is state-administered. Most states use a combined ~150-question exam at 70% to pass. California is the notable outlier at 60%.
- First-time pass rates run 60-70% nationally. State law content is the highest-variance section.
- Typical study time: 3-6 weeks at 10 hours per week.
- Texas requires no pre-licensing hours; you can sit immediately. Florida requires 60 hours via state-approved provider. Most other states require 20-40 hours.
- Total cost to get licensed: ~$200-$350 in mandatory state fees plus the pre-licensing course where required.

## Lead magnet

- [L&H Content Outline + Top-10 State Fee Cheat Sheet (PDF)](https://lhexam.com/downloads/lh-content-outline-2026.pdf): NAIC content outline percentages plus a per-state vendor/hours/fees/passing-score table. Free on waitlist signup.

## Legal

- [Terms of Service](https://lhexam.com/terms)
- [Privacy Policy](https://lhexam.com/privacy)
- Lhexam is not affiliated with any state insurance department, NAIC, NIPR, PSI, Pearson VUE, or Prometric.