Iowa Life & Health Insurance Practice Test 2026
Practice the exam Iowa uses, from general life & health knowledge to Iowa's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Iowa's own insurance law.
Life 77, Health 80 scored questions. The time limit and passing score are set by Iowa; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Iowa 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.
What is on the Iowa Life & Health test
Iowa's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Iowa Laws, Rules, and Regulations Common to All Lines15 Qs
- Iowa Laws, Rules, and Regulations Pertinent to Life Insurance Only12 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Iowa Laws, Rules, and Regulations Common to All Lines15 Qs
- Iowa Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only15 Qs
Source: Iowa Insurance Content Outlines, Content Outlines: Effective January 1, 2026 (Pearson VUE #121601 | 01/2026). Each outline states its scoreable count separately from its 5 pretest questions; the scoredQuestions here are the scoreable figures. (Iowa Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Iowa exam
Iowa official sources
- Unfair methods of competition and unfair or deceptive acts definedIowa Code s. 507B.4 · Iowa Legislature (legis.iowa.gov)
- Licensing of Insurance ProducersIowa Code ch. 522B, ss. 522B.1-522B.18, the WHOLE chapter · Iowa Legislature (legis.iowa.gov)
- Insurance Trade PracticesIowa Code ch. 507B, ss. 507B.1-507B.14, the WHOLE chapter, including 507B.4A, 507B.5, 507B.6A, 507B.7 and 507B.12 · Iowa Legislature (legis.iowa.gov)
- Life insurance companies - standard policy provisionsIowa Code ch. 508 · Iowa Legislature (legis.iowa.gov)
- Accident and Health InsuranceIowa Code Chapter 514A, Secs. 514A.1-514A.15 · Iowa Legislative Services Agency
All Iowa insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Iowa provisions the questions on this page cite most often.
- Iowa Code Chapter 514A § 514A.3 · Alternative incontestable provision27 questions
- Iowa Code § 507B.4 · Defamation of financial condition9 questions
- Iowa Code § 508.37 · Standard Nonforfeiture Law - cash surrender value on default5 questions
- Iowa Code § 522B.11 · grounds for license action5 questions
- Iowa Code § 508.28 · Incontestability4 questions
- Iowa Code § 508.32 · Proceeds of policy held in trust: approval of beneficiary trust agreement forms3 questions
- Iowa Code § 507B.6 · Hearings, Statement of Charges and Notice2 questions
- Iowa Code § 507B.6A · Summary orders2 questions
Exam figures on this page were checked against official pages: Pre-licensing · Exam fee. Confirm anything you rely on with the testing company and the Iowa Department of Insurance.