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Illinois Life & Health license exam prep

Illinois Life & Health Insurance Practice Test 2026

Practice the exam Illinois uses, from general life & health knowledge to Illinois's own insurance law. Every answer quotes the statute behind it.

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What the Illinois exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Illinois's own insurance law.

Illinois requirement to pass

Life 81, Health 89 scored questions. The time limit and passing score are set by Illinois; check the candidate handbook.

Last verified September 2026 · Insurance Content Outlines

Illinois

Life & Health

Questions on the real exam
Life 81, Health 89 scored questions
Who runs the exam
Pearson VUE, an independent testing company
Exam fee
$92 listed (the exact fee depends on the exam you take)
State license fee
$215 listed (it depends on the license type), paid to the Illinois Department of Insurance
Pre-licensing education
Life: required, 20 hours per line of authority; Accident & Health: required, 20 hours per line of authority

From Illinois's published exam materials.

Study by topic

Master each topic before your Illinois exam. First 4 topics are free to start.

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Illinois insurance lawPRO88 questionsPractice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the Illinois Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

  • Life insurance policy types, provisions and riders
  • Annuities and how they are taxed
  • Accident and health insurance, including HMOs and managed care
  • Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Frequently asked questions

Illinois's published content outline lists Life 81, Health 89 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by Illinois. Most states use 70%, but check the Illinois candidate handbook from the testing vendor for the exact figure.

Illinois uses Pearson VUE, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $92, paid when you register; the exact amount depends on which exam you take. The Illinois Department of Insurance lists $215 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Life: required, 20 hours per line of authority; Accident & Health: required, 20 hours per line of authority. Confirm the current rule with the Illinois Department of Insurance before you register, because requirements change.

Retake rules come from Illinois and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Illinois candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Illinois Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Illinois insurance law.

More Illinois practice tests

Illinois Property & Casualty practice testIllinois Personal Lines practice test

Life & Health practice tests in other states

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See all Life & Health states →