A Life & Health insurance exam must be taken and passed by anyone who is going to transact Life, Health, Disability or Long Term Care insurance in the State of California. Fixed and indexed annuity products can also be sold with this license, however, agents wishing to sell variable life products or variable annuities must also obtain minimally a Series 6/63 (or Series 7/66) license as well

Testopedia and its partner companies will make sure that you have the required knowledge to pass the Life & Health agent exam and will ensure that you are confident in the application of the conceptual knowledge during the exam. We understand how the test is written and our proven test-taking techniques can dramatically improve your results.

What type of business may a Life & Health Agent transact?

  • Life Insurance
  • Health Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Fixed Annuities
  • Indexed Annuities


Are there any prerequisites for obtaining a Life & Health insurance license?

An applicant must be 18 years of age, have a social security number, be a US citizen or have a Resident Alien Card and /or Work Authorization Card. Prior to taking the Life and Health exam, complete a 52 hour pre-licensing course (12 hours of Code & Ethics and 40 hours Life & Health). This is the beginning of your career in the insurance industry and in order to be an agent, you have to have knowledge on the subject. To meet this requirement, you must complete 12 hours of Code and Ethics and 40 hours Life & Health Pre Licensing course.

Once you have completed your prelicensing and printed your certificates, you will be eligible to schedule an exam date, take your exam and then apply to the state for your license (after passing, you will submit your application).

How do I schedule for my Life & Health exam after finishing the prerequisites?

After completing the 52 hr pre-licensing course, go to PSI’s website (www.psiexams.com) to schedule your exam. On PSI’s website, you will have to create an account and register for an exam before Choosing the date and time of your exam. Fees are $37 to test in a State test site, $67 to test at a PSI testing site.

What must I bring to the exam center?

A government issued Photo ID is required. Please be advised that children, cell phones, calculators, pagers, cameras, programmable electronic devices and recording devices of any kind are NOT allowed to enter PSI or CDI testing sites. Additionally, NO personal items are to enter the testing sites. PSI and CDI will not be responsible for any personal items, and suggests that you leave such items in another safe place, of your choosing.

PSI examination sites have additional security measures:

• You will have your picture taken prior to admittance into the examination.
• You may not wear a jacket, coat or any type of hooded clothing into the examination room. Sweaters that do not have pockets are allowed.
• You may not bring a purse or backpack into the examination room.
• You will be asked to put these items in your vehicle. PSI only provides accordion type folders for any items. These folders are left in the lobby and PSI is not responsible for the security of those items.
• You may not wear a wristwatch into the examination room and you will be asked to empty your pockets.

Taking the Life/Health Agent exam

The Life & Health exam is presented in multiple-choice format on a computer. No computer skills are required and candidates will find that the test screen works in the same way as an ordinary computer. The California Life & Health agent exam will be presented in a 160-question multiple-choice format (10 questions are beta questions (not graded). The candidate will not know which 10 are beta questions). Each candidate will have three hours to complete the exam and must attain a score of 60% or higher pass the exam. Each test is made up of 160 questions that are randomly chosen from a test bank of several thousand questions. The test has a time limit of three hours, which is designed to provide enough time for all candidates to complete the exam. Each Life & Health exam will be comprised of questions that focus on the following areas:

  • General Insurance - 40 Questions
  • Life Insurance - 49 Questions
  • Life Policy Riders - 4 Questions
  • Accident and Health Insurance - 49 Questions
  • Long Term Care - 4 Questions
  • Health and Disability Insurance - 4 Questions

What score is needed to pass the exam?

A score of 60% or higher is needed to pass the Life & Health Exam.



How long will it take to get the results of my Life & Health exam?

The exam will be graded as soon as you answer your final question and hit the "Submit for Grading" button. It will take only a few minutes to get your results. Your grade will appear on the computer screen and you will be given a paper copy from the exam center.

After passing my exam, how do I apply for my license?


After passing your exam, you will receive a letter at the testing site with your passing score and an California ID number. With the California ID number, you would go to the state’s website (www.insurance.ca.gov) and apply for your license through their FLASH application. In the application, you will put that ID number to identify yourself and then answer some background questions. Once you have done this, you will be prompted to pay the application fee of $128. Each applicant is also required to do LIVE SCAN Finger printing, either before or after passing the exam.

How to Prepare for the Life & Health Agent Exam

For most students, the best way to prepare for the exam is by taking advantage of every study tool that is available to them. Lytespeed Learning offers an online exam prep and, also, suggests getting a Pre-Licensing Manual.

Another powerful tool that is in the Lytespeed text book is the Educational Objectives, located in the front of the text after the table of contents. Each Educational Objective is referenced to the text material for easy reference. The State Exam is developed from the Educational Objectives.

When you have both the online exam prep and the textbook, you can use them together. For example, on the exam prep (which are sample questions), you can take note of the questions you got wrong and once you are done with studying, you can go back into the text and look up the concepts.

Test-Taking Tips!

• Read the full question before answering
• Identify what the question is asking
• Identify key words and phrases
• Watch out for hedge clauses, for example, except and not
• Eliminate wrong answers
• Identify synonymous terms
• Be wary of changing answers
• Know your vocabulary