Life & Health Insurance Producer (Illinois)

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

TL;DR

Life & Health Insurance Producer (Illinois): a 171-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 (59%) and healthcare.gov (15%) of this exam's citations.

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

50

questions per paper

171

questions in the bank

What this exam covers

Annuities12%
Applications, Underwriting, Policy Delivery, and Field Responsibilities15%
Business, Group, and Specialized Life Uses9%
Ethics, Suitability, and General Insurance Regulation6%
IL Group Health Continuation (215 ILCS 5/367(e), 367.2)2%
IL Discretionary Clause Ban (50 Ill. Admin. Code 2001.3)1%
IL Grace Period1%
IL Long-Term Care Insurance2%
IL Mastectomy Coverage Mandate1%
IL Medicare Supplement (215 ILCS 5/363; 50 Ill. Admin. Code 2008)5%
IL Health Line Producer Licensing1%
IL Small Employer Health Insurance Rating Act (215 ILCS 93)1%
Policy Provisions, Riders, Options, and Exclusions18%
Tax Treatment and Retirement Concepts12%
Types of Life Policies18%

5 real sample questions

The Illinois Long-Term Care Partnership Program, established under 215 ILCS 132, implements which federal authorization?

A. The Affordable Care Act of 2010

B. HIPAA of 1996

C. The Older Americans Act of 1965

D. The Deficit Reduction Act of 2005, Title VI, Section 6021

Source: 215 ILCS 132

Under 215 ILCS 5/356t, absent a shorter stay agreed to by the patient and attending physician, what is the minimum inpatient hospital stay an Illinois accident and health policy must allow following a mastectomy?

A. 24 hours

B. 48 hours

C. 72 hours

D. 96 hours

Source: 215 ILCS 5/356t

215 ILCS 5/356t also protects which party from being penalized by an insurer for authorizing inpatient mastectomy care consistent with the statute's requirements?

A. The hospital's billing department

B. The health plan's medical director

C. The patient's employer

D. The attending physician

Source: 215 ILCS 5/356t

Under 215 ILCS 132, what does 'asset disregard' mean for a beneficiary under a qualified Illinois long-term care partnership policy?

A. The insurer disregards the applicant's age when underwriting the policy

B. The policy disregards any pre-existing conditions after two years of continuous coverage

C. Producers may disregard standard asset verification steps during the application process

D. Assets or resources are disregarded for Medicaid eligibility purposes in an amount equal to the insurance benefit payments made under the qualified policy

Source: 215 ILCS 132

Which Illinois state agency administers the Long-Term Care Partnership Program established under 215 ILCS 132, with the assistance of the Department of Financial and Professional Regulation?

A. The Illinois Department of Insurance

B. The Illinois Department of Healthcare and Family Services

C. The Illinois Department of Public Health

D. The Illinois Department on Aging

Source: 215 ILCS 132

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID 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 wage (IL)May 2025$64,280/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (Illinois) practice test?

171 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Life & Health Insurance Producer (Illinois) test cover?

15 domains, with the heaviest weight on Policy Provisions, Riders, Options, and Exclusions (18%), Types of Life Policies (18%), and Applications, Underwriting, Policy Delivery, and Field Responsibilities (15%).

Where do CertQuestUSA's Life & Health Insurance Producer (Illinois) questions come from?

Primarily content.naic.org (59%) and healthcare.gov (15%) 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 & Health Insurance Producer (Illinois)?

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