Maine Life & Health license exam prep

Maine Life & Health Insurance Practice Test 2026

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

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What the Maine exam tests

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

Maine requirement to pass

Life 75, Health 88, Combined Life 50, Combined Health 50, Combined 36 scored questions. The time limit and passing score are set by Maine; check the candidate handbook.

Last verified September 2026 · Insurance Content Outlines

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Maine insurance lawPRO114 questions Practice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

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

Life & Health Exam SimulatorPROA timed, full-length practice exam with no feedback until you finish, so it feels like test day.

Quick QuizPROA short set drawn from the questions you miss most, reshuffled every time.

Readiness analysisPROYour strengths, weak spots, and estimated pass probability across the bank.

Your Life & Health readiness, before you book.

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

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Maine 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.

Maine official sources

Unfair methods; deceptive acts prohibitedMe. Rev. Stat. tit. 24-A, s. 2152 · Maine Legislature (legislature.maine.gov)
Insurance producer licensing definitionsMe. Rev. Stat. tit. 24-A, s. 1420-A · Maine Legislature (legislature.maine.gov)
Misrepresentation; false advertising of policiesMe. Rev. Stat. tit. 24-A, s. 2153 · Maine Legislature (legislature.maine.gov)
Health Insurance Contracts24-A M.R.S. Chapter 33, Secs. 2701 onward, selected · Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov)
General Definitions and ProvisionsMaine Revised Statutes Title 24-A Chapter 1 · Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov)
Unauthorized Insurers: Prohibitions, Process and AdvertisingMaine Revised Statutes Title 24-A Chapter 21 · Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov)
Trade Practices and FraudsMaine Revised Statutes Title 24-A Chapter 23 · Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov)
The Insurance ContractMaine Revised Statutes Title 24-A Chapter 27 · Maine Legislature, Office of the Revisor of Statutes (legislature.maine.gov)

All Maine insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Maine provisions the questions on this page cite most often.

24-A M.R.S. § 2703 · Scope, Format of Policy; Persons Insured3 questions
Me. Rev. Stat. tit. 24-A § 1420-A · Insurance producer3 questions
Me. Rev. Stat. tit. 24-A § 2152 · Unfair Methods; Deceptive Acts Prohibited3 questions
Me. Rev. Stat. tit. 24-A § 2153 · Misrepresentation; false advertising of policies3 questions
24-A M.R.S. § 2707 · Grace period2 questions
24-A M.R.S. Chapter 23 § 2165-A · Cease and desist orders2 questions
24-A M.R.S. Chapter 29 § 2506 · Entire contract2 questions
24-A M.R.S. Chapter 29 § 2526 · Prohibited Provisions2 questions

Exam figures on this page were checked against official pages: License fee · Exam fee. Confirm anything you rely on with the testing company and the Maine Department of Insurance.

Frequently asked questions

Maine's published content outline lists Life 75, Health 88, Combined Life 50, Combined Health 50, Combined 36 scored questions. Exams also include a few unscored pretest questions.

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

Maine 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 $55, paid when you register; the exact amount depends on which exam you take. The Maine Department of Insurance lists $25 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

It depends on the state and license. Check the Maine Department of Insurance for the current Life & Health pre-licensing requirement before you register.

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

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

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

More Maine practice tests

Maine Property & Casualty practice test Maine Personal Lines practice test

Life & Health practice tests in other states

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See all Life & Health states →