Minnesota Life & Health Insurance Practice Test 2026
Practice the exam Minnesota uses, from general life & health knowledge to Minnesota'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 Minnesota's own insurance law.
130 scored questions. The time limit and passing score are set by Minnesota; check the candidate handbook.
Last verified September 2026 · Life Producer Content Outline
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About the Minnesota 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 Minnesota Life & Health test
Minnesota'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
- Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance20 Qs
- Minnesota Laws, Rules, and Regulations Pertinent to Life Insurance Only5 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance20 Qs
- Minnesota Laws, Rules, and Regulations Pertinent to Health Insurance Only5 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
- Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance20 Qs
- Minnesota Laws, Rules, and Regulations Pertinent to Life Insurance Only5 Qs
- Minnesota Laws, Rules, and Regulations Pertinent to Health Insurance Only5 Qs
Source: PSI Minnesota insurance producer content outlines (Life Producer, Accident & Health Producer, and Life, Accident & Health Producer); the outlines print no effective date — their PDF document titles read "MN ... Producer.2023...", created 2023-05-24, and the PSI Minnesota Candidate Information Bulletin dated 9/10/2026 links them as the current outlines (Minnesota Life Producer Content Outline; Minnesota Accident & Health Producer Content Outline; Minnesota Life, Accident & Health Producer Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Minnesota exam
Minnesota official sources
- Methods, acts, and practices which are unfair or deceptiveMinn. Stat. s. 72A.20 · Minnesota Office of the Revisor of Statutes
- Producer license denial, suspension, revocation, or refusalMinn. Stat. s. 60K.43 · Minnesota Office of the Revisor of Statutes
- Insurance producer licensingMinn. Stat. s. 60K.31 et seq. · Minnesota Office of the Revisor of Statutes
- Life insurance policy provisionsMinn. Stat. ss. 61A.03 et seq. · Minnesota Office of the Revisor of Statutes
- Accident and health policy required and optional provisionsMinn. Stat. s. 62A.04 · Minnesota Office of the Revisor of Statutes
- Insurance in General, first thirdMinnesota Statutes Chapter 60A, Secs. 60A.01 through 60A.11 · Minnesota Office of the Revisor of Statutes (revisor.mn.gov)
- Statutes Chapter 60A, second thirdSecs. 60A.112 through 60A.53 · Minnesota Office of the Revisor of Statutes (revisor.mn.gov)
- Statutes Chapter 60A, final thirdSecs. 60A.54 through 60A.991 · Minnesota Office of the Revisor of Statutes (revisor.mn.gov)
All Minnesota insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Minnesota provisions the questions on this page cite most often.
- Minn. Stat. § 61A.03, subd. 1 · Grace period10 questions
- Minn. Stat. § 62A.04, subd. 2 · Entire Contract; Changes9 questions
- Minn. Stat. § 62A.04, subd. 3 · Change of Occupation6 questions
- Minn. Stat. Chapter 62A § 62A.04, subd. 3 · Optional Provisions; Cancellation4 questions
- Minn. Stat. § 60K.43, subd. 1 · Causes3 questions
- Minn. Stat. Chapter 62A § 62A.01, subd. 2 · Equal Protection; Certificates of Coverage2 questions
- Minn. Stat. Chapter 62A § 62A.04, subd. 2 · Required Provisions - Entire Contract; Changes2 questions
- Minn. Stat. Chapter 62A § 62A.31, subd. 1k · Guaranteed Renewability: Loss of Group Membership2 questions
Exam figures on this page were checked against official pages: Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Minnesota Department of Insurance.