Life, Accident & Health Insurance Producer License (ID)

First published: September 5, 2026Last verified: September 5, 2026Reviewed by the CertQuestUSA team

TL;DR

Life, Accident & Health Insurance Producer License (ID): a 100-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 100 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 Idaho Life/AHS Examination Content Outlines (59%) and AHS Examination Content Outline (29%) of this exam's citations.

Practice questions are written from the Idaho Life Producer Examination Content Outline and the Idaho Accident and Health or Sickness (Disability/Health Producer) Examination Content Outline (doi.idaho.gov), and Idaho Code Title 41. Idaho DOI/Pearson VUE publish these as two separate single-line outlines rather than one combined weighted outline; this bank therefore uses equal weighting across six domains synthesized from both real outlines, disclosed here explicitly. Not affiliated with or endorsed by Pearson VUE or the Idaho Department of Insurance.

Not sure where you stand? Take the free diagnostic — 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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3

full papers, no repeats

100

questions per paper

100

questions in the bank

What this exam covers

Field Underwriting and Claims17%
Health and Disability Policies and Riders17%
Idaho Statutes Common to All Producers17%
Idaho Statutes Specific to Life and Health17%
Life and Health Contract Provisions and Concepts17%
Life Insurance Policies and Riders17%

5 real sample questions

Which life insurance product provides coverage for a limited number of years and pays no cash value if the insured outlives the term?

A. Term life insurance

B. Whole life insurance

C. Universal life insurance

D. Variable universal life insurance

Source: Idaho Life Producer Examination Content Outline, I.A

A 'decreasing term' life policy is structured so that

A. the death benefit declines over the policy term while premiums typically remain level

B. the premium declines over the policy term while the death benefit stays level

C. both premium and death benefit increase together each year

D. the policy automatically converts to whole life at age 65

Source: Idaho Life Producer Examination Content Outline, I.A.1

Universal life insurance is best described as a policy that

A. offers flexible premiums and an adjustable death benefit with transparent cost and cash value components

B. can only be purchased with a single lump-sum premium

C. has no cash value component at all

D. must be renewed annually like term insurance

Source: Idaho Life Producer Examination Content Outline, I.B

Variable universal life insurance differs from traditional universal life primarily because

A. the cash value is invested in policyowner-selected separate account sub-accounts, exposing it to investment risk

B. it guarantees a fixed minimum interest rate with no investment options

C. it cannot be surrendered for cash value

D. it is only available as group insurance

Source: Idaho Life Producer Examination Content Outline, I.B.2

An annuity in its accumulation period, compared to its annuitization (payout) period, is best distinguished by

A. the accumulation period being when funds grow before payout begins, while the payout period is when income payments are made

B. the accumulation period always lasting exactly one year

C. the payout period being when the owner still makes premium deposits

D. there being no difference between the two periods

Source: Idaho Life Producer Examination Content Outline, I.D

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (ID) practice test?

100 questions total, split into 3 full papers of 100 each with no repeats across papers.

What topics does the Life, Accident & Health Insurance Producer License (ID) test cover?

6 domains, with the heaviest weight on Field Underwriting and Claims (17%), Health and Disability Policies and Riders (17%), and Life and Health Contract Provisions and Concepts (17%).

Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (ID) questions come from?

Primarily Idaho Life/AHS Examination Content Outlines (59%) and AHS Examination Content Outline (29%) 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, Accident & Health Insurance Producer License (ID)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.