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Illinois · State licensing

Pass the Illinois Life & Health insurance license exam.

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.

Quick answer: The Illinois Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 165-minute limit, and you need 70% to pass. Illinois requires 7.5 hours of pre-licensing education before you can sit. The exam fee is $41 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
7.5h combined
Application fee
$215
Exam fee
$41 per attempt
Combined exam length
150 Q · 165 min

Source: idfpr.illinois.gov. Confirm before you register. State schedules change.

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What's on the Illinois L&H exam.

The Illinois L&H exam is administered by PSI after you finish a state-approved 7.5-hour pre-licensing course. The combined exam runs 150 questions with a 165-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Illinois.

Plan for roughly $296–$331 in mandatory Illinois state and vendor fees before any study materials, plus the cost of the required 7.5-hour pre-licensing course.

License application
$215
Exam fee
$41 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
7.5 hours required

A retake means paying the $41 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Illinois exam FAQ.

Who regulates insurance licensing in Illinois?
The Illinois Department of Financial and Professional Regulation (IDFPR), specifically the Division of Insurance.
How many pre-licensing hours for IL?
20 hours per line, including a 7.5-hour Illinois-specific component.
What's the IL exam passing score?
70%.
How much does an Illinois L&H license cost?
Around $300 in fees before prep materials: $215 IDFPR application + $41 exam fee per attempt + fingerprinting. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.