# 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. Currently a waitlist landing while the question banks are built.

Last updated: 2026-05-28

## 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).
- Launching summer 2026, three states first, then a state every two weeks.

## 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.

## 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.

## 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.