Insurance license exam practice tests
Insurance licensing is organized by line of authority rather than by a single license. Which exam you sit depends on whether you plan to sell life and health products, property and casualty products, or both.
Choose your state
No states are open yet for this license. Check back soon.
Lines of authority
States issue separate licenses for different product lines, and each carries its own exam. A candidate planning to sell life insurance and annuities takes a different exam from one planning to sell homeowners and auto coverage.
Some states bundle lines into a single license code. Florida, for example, issues a 2-15 license covering life, health, and variable annuity, alongside narrower codes for life only or health only.
How the exam is built
Like real estate, insurance exams combine general principles with state-specific law. The general portion covers policy provisions, underwriting, and the mechanics of each product line. The state portion covers licensing rules, department regulations, and required policy provisions in that state.
Common questions
- How many insurance exams do I need to take?
- One for each line of authority you want. Many agents start with a single line and add others later, since each addition requires its own pre-licensing education and exam.
- Do I need a sponsoring agency?
- Unlike real estate, most states issue an insurance license without requiring sponsorship. You do need an appointment from each insurer whose products you intend to sell.
Requirements change. Confirm current rules with your state licensing authority and the exam vendor before relying on any figure here.