Kansas Life & Health Insurance Practice Test 2026
Practice the exam Kansas uses, from general life & health knowledge to Kansas'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 Kansas's own insurance law.
Life 84, Health 84, Combined 140 scored questions. The time limit and passing score are set by Kansas; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
Study by topic
Master each topic before your Kansas exam. First 4 topics are free to start.
Pro study tools
The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?
About the Kansas 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 Kansas Life & Health test
Kansas'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
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Kansas Statutes and Regulations Common to Life, Health, Property, and Casualty Insurance20 Qs
- Kansas Statutes and Regulations Pertinent to Life Insurance Only14 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Kansas Statutes and Regulations Common to Life, Health, Property, and Casualty Insurance20 Qs
- Kansas Statutes, Rules, and Regulations Pertinent to Health Insurance Only14 Qs
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Kansas Statutes and Regulations Common to Life, Health, Property, and Casualty Insurance18 Qs
- Kansas Statutes and Regulations Pertinent to Life Insurance Only11 Qs
- Kansas Statutes and Regulations Pertinent to Health Insurance Only11 Qs
Source: KANSAS Insurance Supplement, Examination Content Outlines, Effective: March 1, 2025 (Pearson VUE #121703 | 2/2025). Kansas publishes ONE outline per exam, mixing general knowledge and Kansas statutes and regulations in a single numbered sequence, so each exam is one section here. Counts are the outlines' own scored-question figures; pretest questions are stated separately and excluded. Codes are the outline's own labels, with one exception forced by uniqueness: the Accident and Health Producer outline prints a SECOND "B." (Riders) where "C." would fall, and the Life & Accident and Health Producer outline prints "a. Aleatory" after "c. Adhesion"; those two repeats are suffixed -2. (Kansas Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Kansas exam
Kansas official sources
- Unfair methods of competition and deceptive acts definedKan. Stat. Ann. s. 40-2404 · Kansas Office of Revisor of Statutes
- License denial, suspension, revocation, or refusalKan. Stat. Ann. s. 40-4909 · Kansas Office of Revisor of Statutes
- License required to sell, solicit, or negotiateKan. Stat. Ann. s. 40-4903 · Kansas Office of Revisor of Statutes
- Standard provisions required in life insurance policiesKan. Stat. Ann. s. 40-420 · Kansas Office of Revisor of Statutes
- Statutes Chapter 40 Article 22Accident and Sickness Insurance (K.S.A. 40-2201 through 40-2259) · Kansas Office of Revisor of Statutes
All Kansas insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Kansas provisions the questions on this page cite most often.
- K.S.A. Chapter 40 Article 22 § 40-2203 · Optional Provision: Cancellation15 questions
- Kan. Stat. Ann. § 40-2404 · Misrepresentations and False Advertising9 questions
- Kan. Stat. Ann. § 40-420 · Grace Period9 questions
- Kan. Stat. Ann. § 40-4903 · Casualty line of authority9 questions
- K.S.A. Chapter 40 Article 22 § 40-2209 · continued coverage and converted policies, conditions required8 questions
- K.S.A. Chapter 40 Article 22 § 40-2210 · Blanket Benefits, To Whom Payable3 questions
- K.S.A. Chapter 40 Article 22 § 40-2215 · Rating Violations Treated as Unfair Trade Practices3 questions
- Kan. Stat. Ann. § 40-4909 · fraudulent or dishonest business practice3 questions
Exam figures on this page were checked against official pages: Pre-licensing. Confirm anything you rely on with the testing company and the Kansas Department of Insurance.