Life & Health Insurance Exam

Most people don't fail the life and health insurance exam on the material they studied hardest. They fail on policy provisions and state regulations, the near-identical definitions that all blur together about four hours into studying. HMO, PPO, fee-for-service, prepaid. This app is built to find that gap before the testing centre does.

1,350+ practice questions across every topic on the exam, timed mock tests, and an AI tutor that will re-explain any answer until it sticks.

The tutor is the part that's different

Get a question wrong and you get a written explanation. Every prep app does that. What happens next is the difference: tap the tutor and pick how you want it explained. Simple. Step by step. Memory hook. Why I was wrong. Four angles on the same concept, and one of them usually lands. Or type your own question and ask it directly.

For an exam this heavy on memorised definitions, "give me a memory hook for this" turns out to be the button people press most.

What's inside

• 1,350+ practice questions, every one with a written explanation


• AI tutor on every question, with four explanation styles


• Build exam: pick your topics, question count and length


• Mock exam: timed, so test day isn't the first time you feel the clock


• Redo only what you missed, or only what you flagged


• Flashcards with spaced repetition


• Progress by topic, ranked by where an hour of study pays best


• Question of the day, badges and streaks


• Works offline once your bank has downloaded

Topics covered

Basics of Life Insurance, Life Insurance Policy Provisions, Life Insurance Riders, Annuities, Basics of Health Insurance, Other Health Plans, Disability Income Insurance, Medicare and Medicaid, the Affordable Care Act, Underwriting, General Insurance, State Law and Regulations, and Ethics.

It tells you where to study, in words

Open Progress and your topics are ordered by where improvement would move your score most, not alphabetically and not by whatever you touched last. Underneath the list it says the thing outright: "Start with Disability Income Insurance, it has the most room left." No dashboard reading required.

Questions we get asked

How many questions is the real exam? Between 100 and 150 depending on your state, in two to three hours. Most states pass you at 70%; California passes at 60%. Roughly 55 to 65% of first-time candidates pass.

Which topics do people fail on? State law and policy provisions, almost every time. Both are in the bank, and both usually sit near the top of your Progress list for a while.

I'm retaking. Where do I start? Build exam, choose "Questions I missed", and work that list until it empties. Retake pass rates are lower than first-attempt rates, and the reason is almost always that people restart the whole bank instead of attacking what they already got wrong.

Does it work without signal? Yes, once the bank has downloaded.

Who uses it

Candidates sitting the state life and health producer licensing exam through Pearson VUE, PSI or Prometric, first-timers and retakers alike. Agencies use it for new-hire training, and licensed life agents use it when adding a health line.

Free to start. Premium unlocks the full bank, timed mock exams and flashcards. Pricing is shown in the app before you buy.

VirtuePrep is an independent study resource. We are not affiliated with, endorsed by, or connected to any state insurance department, the NAIC, or any testing vendor, and we don't provide official or live exam questions. Content is built from publicly available state exam content outlines. For licensing requirements, check your own state's insurance department directly.