How Hard Is It To Pass Life And Health Insurance Exam?

how difficult is the life and health insurance exam

Many of you, who plan to get license for an agent to sell life and health insurance may wonder, “Is the life and health insurance exam hard?” Well, every state has unique criteria for conducting exams for providing license to probable applicants that want to take up a career in selling health and life insurance policies.

So, as the qualification requirements and tests are likely to vary, it could be tricky to answer this question. However, the topics which will be covered in the exam and the passing or cut-off scores will be similar in all states. If you prepare yourself for the topics and know how the exam process works, you could pass it with flying colors.

Rather than waste your time on thinking, “How hard is the life and health insurance exam?”, you must find out what all topics are going to be included in your test. Usually, the syllabi will cover subjects like Annuities, Annuity tax issues, Dental, individual as well as Group policies, Disability income, Life insurance general knowledge, Life Insurance Policies, Life insurance tax problems, Different types of Medical plans, Health insurance general knowledge, Health Maintenance Organizations (HMOs), Policy riders and options in life insurance coverage and Special needs individual insurance. You can get reference material online and thus, prepare for the test

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Is life insurance exam hard as compared to health insurance exam?

  • You should be aware that there will be one sole test for getting license to sell both of these products. But it is important that you have prepared thoroughly well as pass rates in each state are different.
  • The passing score for the exam is 70% and so, make sure that you get over with the license process during the very first try. On an average, you must study for about 35 to 40 hours to prepare for the test and pass it successfully.
  • And to ensure success, you can take up a training course or study package before one week of appearing for the exam.
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