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Oregon · State licensing

Pass the Oregon Life & Health insurance license exam.

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.

Quick answer: The Oregon Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 150-minute limit, and you need 70% to pass. Oregon requires 40 hours of pre-licensing education before you can sit. The exam fee is $55 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$75
Exam fee
$55 per attempt
Combined exam length
150 Q · 150 min

Source: dfr.oregon.gov. Confirm before you register. State schedules change.

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What's on the Oregon L&H exam.

The Oregon L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 150 questions with a 150-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 Oregon.

Plan for roughly $170–$205 in mandatory Oregon state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$75
Exam fee
$55 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $55 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.

Oregon exam FAQ.

How many pre-licensing hours does Oregon require for a Life and Health license?
Oregon requires 20 hours for each single line and 40 hours for the combined Life and Health line of authority.
What are the Oregon exam and application fees?
The combined Life and Health PSI exam fee is 55 dollars, 45 dollars per single line, and the state application fee is 75 dollars.
How many questions are on the Oregon combined Life and Health exam?
The combined Life and Health exam has 150 questions with a 2.5 hour limit and a 70 percent passing score.

Licensing in other states too?

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