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Life and Health Insurance Producer Practice Test

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life and Health Insurance Producer Practice Test: a 150-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (67%) and healthcare.gov (17%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
150
questions in the bank
What this exam covers
5 real sample questions
In combined life-and-health exam preparation, a client asks about “level term life.” Which explanation is accurate?
A. Decreasing term life uses a death benefit that reduces over time, often matching a shrinking debt need
B. Level term life keeps the death benefit level during the selected term period and generally does not build cash value
C. Whole life is permanent life insurance designed for lifetime protection with cash-value features if premiums are paid
D. Indexed universal life credits interest using an index-linked formula subject to policy caps, floors, and participation terms
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Level Term Life'; https://content.naic.org/glossary-insurance-terms
A combined-lines insurance recommendation raises “decreasing term life.” Which statement should guide the producer?
A. Annual renewable term renews for successive one-year periods, usually with premiums increasing as the insured ages
B. Decreasing term life uses a death benefit that reduces over time, often matching a shrinking debt need
C. Limited-pay whole life compresses premium payments into a shorter payment period while coverage can continue for life
D. Joint life commonly insures two people and pays at the first death
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Decreasing Term Life'; https://content.naic.org/glossary-insurance-terms
During a life-and-health coverage review, “annual renewable term” becomes relevant. Which conclusion is correct?
A. Whole life is permanent life insurance designed for lifetime protection with cash-value features if premiums are paid
B. Universal life provides flexible premium and adjustable death-benefit features subject to policy limits and sufficient values
C. Annual renewable term renews for successive one-year periods, usually with premiums increasing as the insured ages
D. Survivorship life generally pays after the second insured dies
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Annual Renewable Term'; https://content.naic.org/glossary-insurance-terms
For a combined life-and-health license, which statement correctly distinguishes “whole life insurance” from related concepts?
A. Whole life is permanent life insurance designed for lifetime protection with cash-value features if premiums are paid
B. Limited-pay whole life compresses premium payments into a shorter payment period while coverage can continue for life
C. Variable life places policy values in separate-account investment options, so the policyowner bears investment risk
D. Group life covers eligible members under a master policy, with certificates commonly issued to covered individuals
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Whole Life Insurance'; https://content.naic.org/glossary-insurance-terms
In combined life-and-health exam preparation, a client asks about “limited-pay whole life.” Which explanation is accurate?
A. Limited-pay whole life compresses premium payments into a shorter payment period while coverage can continue for life
B. Universal life provides flexible premium and adjustable death-benefit features subject to policy limits and sufficient values
C. Indexed universal life credits interest using an index-linked formula subject to policy caps, floors, and participation terms
D. Credit life is designed to pay a debtor's covered debt if the insured debtor dies
Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'Limited-Pay Whole Life'; https://content.naic.org/glossary-insurance-terms
Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yrPart of the real Insurance Producer career pathExplore ›

Frequently asked questions

How many questions are on the CertQuestUSA Life and Health Insurance Producer Practice Test practice test?
150 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life and Health Insurance Producer Practice Test test cover?
6 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (17%), Applications, Underwriting, Delivery, and Field Responsibilities (17%), and Ethics, Suitability, Advertising, and General Regulation (17%).
Where do CertQuestUSA's Life and Health Insurance Producer Practice Test questions come from?
Primarily content.naic.org (67%) and healthcare.gov (17%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life and Health Insurance Producer Practice Test?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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