Life and Health Insurance Practice Exam

The Life and Health Insurance Practice Exam is a free intermediate-level, 20-minute skill test from Science of Apps. It tests readiness for a U.S. life and health insurance producer licence exam — insurance and contract principles, life insurance policies, provisions and riders, annuities and their taxation, and health insurance including managed care, disability, Medicare and long-term care. Score 70% or more on its 20 questions to earn a verifiable Life and Health Insurance Exam Readiness certificate (SOA-LHIN). Every question is based on published standards and research — including Insurance consumer resources (NAIC), Health insurance glossary (HealthCare.gov), Insurance information and basics (Insurance Information Institute) — and each answer is explained with its source.

Read the four skill areas on this page, then take the 20-minute test online — no fee, course or sign-up. You see every answer explained when you finish. Score 70% or more and you get a Life and Health Insurance Exam Readiness certificate straight away, on screen, as a PDF and by email, with a credential ID anyone can verify.

Yes. The questions are original scenarios written by Science of Apps, and each one is based on a public source you can read: Insurance consumer resources (NAIC); Health insurance glossary (HealthCare.gov); Insurance information and basics (Insurance Information Institute); Securities Industry Essentials (SIE) exam (FINRA); Parts of Medicare (Medicare.gov); Topic no. 558, Additional tax on early distributions from retirement plans (IRS). The source is shown under each question and linked in the answer review. Science of Apps doesn't copy questions from other tests.

Four skill areas with five questions each, drawn from a bank of 10 per area so a retake brings new questions: Insurance and Contract Principles (Risk and insurability, Contract features and Agents and underwriting); Life Insurance (Policy types, Provisions and Riders and options); Annuities and Retirement (Annuity types, Phases and payout options and Taxation and suitability); Health Insurance (Managed care and cost sharing, Disability income and Medicare and long-term care). Every question is an original scenario based on a published standard, official documentation or research, named under the question.

Insurance licence candidate, Life insurance agent, Health insurance agent, Benefits adviser and Insurance customer service representative. It suits anyone who wants a quick, verifiable way to show Life and Health Insurance License skills, from students and career switchers to experienced professionals.

Yes. The Life and Health Insurance Practice Exam is free and covers all of these: 20 scenario questions in 20 minutes, each answer explained with the source it comes from, so it works as interview and exam practice. It isn't a full course, so use the areas you miss as your study list. Scoring 70% or more earns a verifiable certificate.

It covers general life and health insurance principles tested across U.S. states. Each state also tests its own laws and regulations, so study your state's content outline from the department of insurance and test provider.

No. It is an independent practice test written to the publicly available Life and Health Insurance License content outline, for checking your readiness before you book the real exam. Science of Apps is not affiliated with any state insurance department, Pearson VUE or Prometric, and passing earns a Science of Apps certificate rather than the official credential.

Yes. The test is online, in English and free everywhere — people take it from India, the US, the UK, Europe, Africa, Latin America and Asia-Pacific. Your certificate is dated with your own local date and can be verified from anywhere at scienceofapps.com/certification/verify/.

20 questions — 5 from each of 4 skill areas — with a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

We rate it Intermediate: assumes hands-on experience in the role. It has 20 scenario questions — 5 from each of 4 skill areas — and a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

Nothing. There is no fee to take a test, to receive the certificate, to have it emailed or to verify it, and no sign-up.

On our server, not in your browser. The answers never reach the page until you submit, so a certificate can only be earned by passing. Each certificate gets a unique credential ID stored by Science of Apps.

You see your score for each area and every question with the correct answer and why, with the published source behind it. You can retake after 30 minutes, and the retake draws questions you haven't seen yet.

No. Every certificate is dated, so it always shows when you passed. Retake a test any time for a newer date or a higher score.

Yes. After you pass, Add to LinkedIn opens the Licenses & certifications form with the certificate name, Science of Apps as the issuer, the issue date, your credential ID and the verification link filled in. You can also download it as a PDF or PNG, and it's emailed to you as a PDF.

Every certificate has a credential ID and a QR code. Scanning it, or entering the ID at scienceofapps.com/certification/verify/, shows the holder's name, the certification, the score and the issue date from our records.

No. They are Science of Apps' own assessments of applied skill. They aren't issued by a university or standards body, and they work best alongside a portfolio that shows the skills in real work.