Utah Life & Health Insurance Practice Test 2026
Practice the exam Utah uses, from general life & health knowledge to Utah'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 Utah's own insurance law.
Life 100, Health 100, Combined 150 scored questions. The time limit and passing score are set by Utah; check the candidate handbook.
Last verified September 2026 · Insurance Department Licensing Information Bulletin
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About the Utah 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 Utah Life & Health test
Utah's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation10%
- General Insurance10%
- Life Insurance Basics20%
- Life Insurance Policies10%
- Life Insurance Policy Provisions, Options and Riders18%
- Annuities18%
- Federal Tax Considerations for Life Insurance and Annuities9%
- Qualified Plans5%
- Insurance Regulation7%
- General Insurance5%
- Accident and Health Insurance Basics30%
- Disability Income and Related Insurance2%
- Medical Plans18%
- Group Accident and Health Insurance21%
- Dental Insurance2%
- Medicare6%
- Long-Term Care Insurance7%
- Federal Tax Considerations for Accident and Health Insurance2%
- Insurance Regulation7%
- General Insurance5%
- Life Insurance Basics7%
- Life Insurance Policies7%
- Life Insurance Policy Provisions, Options and Riders9%
- Annuities9%
- Federal Tax Considerations for Life Insurance and Annuities7%
- Qualified Plans4%
- Accident and Health Insurance Basics12%
- Disability Income and Related Insurance2%
- Medical Plans10%
- Group Accident and Health Insurance10%
- Dental Insurance1%
- Medicare4%
- Long-Term Care Insurance4%
- Federal Tax Considerations for Accident and Health Insurance2%
Source: Utah Insurance Department Licensing Information Bulletin effective on and after September 25, 2025; the Life & Health exam content outlines each carry 'Effective date: January 1, 2020'. Areas are weighted as percentages of the examination. scoredQuestions is the item count the outline itself states (100 / 100 / 150); the bulletin says 5 experimental questions that are not scored are administered within the exam and publishes no separate scored-item count. (Utah Insurance Department Licensing Information Bulletin). Confirm current weights with the testing company before you book.
What to bring to the Utah exam
Utah official sources
- Marketing PracticesUtah Code Title 31A, Chapter 23a, Part 4, Secs. 401, 402, 402.5, 403, 405, 408, 409 · Utah State Legislature (le.utah.gov)
- Life Insurance and AnnuitiesUtah Code Ann. tit. 31A, ch. 22, pt. 4 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Group Life InsuranceUtah Code Ann. tit. 31A, ch. 22, pt. 5 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Accident and Health InsuranceUtah Code Ann. tit. 31A, ch. 22, pt. 6 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Group Accident and Health InsuranceUtah Code Ann. tit. 31A, ch. 22, pt. 7 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Credit Life and Accident and Health InsuranceUtah Code Ann. tit. 31A, ch. 22, pt. 8 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Long-Term Care Insurance StandardsUtah Code Ann. tit. 31A, ch. 22, pt. 14 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
- Genetic Testing Restrictions on InsurersUtah Code Ann. tit. 31A, ch. 22, pt. 16 · Utah Office of Legislative Research and General Counsel (le.utah.gov)
All Utah insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Utah provisions the questions on this page cite most often.
- Utah Code § 31A-23a-402.5 · Inducements: de minimis gift or meal presumption8 questions
- Utah Code § 31A-23a-402 · Boycott, Coercion, and Intimidation6 questions
- Utah Code Title 31A Chapter 22 § 31A-22-429 · Producer's Duties Related to Replacement: Contents of Notice3 questions
- Utah Code Title 31A Chapter 22 § 618.7 · Grounds for Discontinuance or Nonrenewal of Individual Coverage3 questions
- Utah Code Title 31A Chapter 22 § 31A-22-401 · Prohibited Life Insurance Policy Provisions2 questions
- Utah Code Title 31A Chapter 22 § 31A-22-402 · Grace Period -- Claim Arising During Grace Period2 questions
- Utah Code Title 31A Chapter 22 § 31A-22-407 · Reinstatement; applicant requirements2 questions
- Utah Code Title 31A Chapter 22 § 31A-22-411 · Insurance policies providing variable benefits, conspicuous disclosure2 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 Utah Department of Insurance.