South Dakota Life & Health Insurance Practice Test 2026
Practice the exam South Dakota uses, from general life & health knowledge to South Dakota'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 South Dakota's own insurance law.
Life 75, Health 75, Combined Life 100, Combined 30 scored questions. The time limit and passing score are set by South Dakota; check the candidate handbook.
Last verified September 2026 · Insurance Supplement - Examination Content Outlines
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About the South Dakota 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 South Dakota Life & Health test
South Dakota'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,rider, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- SD Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance17 Qs
- SD Statutes, Rules, and Regulations Pertinent to Life Insurance Only8 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- SD Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance8 Qs
- SD Statutes, Rules, and Regulations Pertinent to Accident and Health Insurance Only17 Qs
- Types of Life Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Types of Health Policies16 Qs
- Health Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- SD Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance8 Qs
- Sdstatutes, Rules, and Regulations Pertinent to Life Insurance Only8 Qs
- SD Statutes, Rules, and Regulations Pertinent to Accident and Health Insurance Only14 Qs
Source: South Dakota Insurance Supplement — Examination Content Outlines, Effective Date: March 1, 2024 (South Dakota Insurance Supplement - Examination Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the South Dakota exam
South Dakota official sources
- Trade practices and frauds (unfair methods)S.D. Codified Laws ch. 58-33 · South Dakota Legislature (sdlegislature.gov)
- Insurance producers (licensing, appointment, discipline)S.D. Codified Laws ch. 58-30 · South Dakota Legislature (sdlegislature.gov)
- Health Insurance Policies (SDCL 58-17)South Dakota Codified Laws Title 58, Chapter 58-17 · sdlegislature.gov
- Group and Blanket Health Insurance Policies (SDCL 58-18)South Dakota Codified Laws Title 58, Chapter 58-18 · sdlegislature.gov
- Group Life Insurance Policies (SDCL 58-16)South Dakota Codified Laws Title 58, Chapter 58-16 · sdlegislature.gov
- Insurable Interest; Form and Contents of Insurance Policies; Life and Health Policy Language Simplification; Insurance Claims and Benefits (SDCL 58-10 to 58-12)South Dakota Codified Laws Title 58, Chapters 58-10, 58-11, 58-11A and 58-12 · sdlegislature.gov
- Life Insurance and Annuities (SDCL 58-15)South Dakota Codified Laws Title 58, Chapter 58-15 · sdlegislature.gov
- Codified Laws Title 58, Chapter 58-29C - Life and Health Insurance Guaranty Association (SDCL 58-29C-44 to 58-29C-62)sdlegislature.gov
All South Dakota insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the South Dakota provisions the questions on this page cite most often.
- S.D. Codified Laws § 58-29C-46 · Persons provided with coverage; avoidance of duplicate coverage2 questions
- S.D. Codified Laws § 58-29C-62 · Use of association's existence in sales or solicitation prohibited2 questions
- S.D. Codified Laws § 58-30-145 · Written Examination Required2 questions
- S.D. Codified Laws § 58-30-148 · Grounds Screening Before Approval2 questions
- S.D. Codified Laws § 58-30-149 · Application by Business Entity for Insurance Producer License2 questions
- S.D. Codified Laws § 58-33-13 · Unfair Discrimination, Health Insurance2 questions
- S.D. Codified Laws § 58-33-5 · False statement as to dividends previously paid on similar policies2 questions
- S.D. Codified Laws § 58-10-3 · Procurement of Insurance on Own Life for Benefit of Another1 question
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 South Dakota Department of Insurance.