Want to start a career as a licensed life insurance agent? Whether you’re in Texas, Iowa, Illinois, Massachusetts, or Georgia, passing the life insurance exam is your gateway to success. Each state has its own licensing requirements, exam format, and rules you need to know before scheduling your test.
This guide breaks down everything you need—from exam details to study tips—so you can feel confident walking into your state exam. We’ll cover the Texas life insurance exam, Iowa life insurance exam study guide, Illinois insurance exam, Massachusetts life insurance exam, and the life insurance exam in Georgia. By the end, you’ll have a clear roadmap to prepare, study, and pass.
The life insurance exam is a state-administered licensing test that measures your knowledge of life insurance products, state-specific laws, and ethics.
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Format: Multiple-choice questions (usually 80–150 questions depending on the state).
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Topics Covered: General life insurance concepts, annuities, policy provisions, taxation, and state-specific laws.
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Passing Score: Typically 70%.
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Who Takes It: Anyone who wants to sell life insurance (and in some cases health or combined lines of authority).
According to the National Association of Insurance Commissioners (NAIC), pass rates for state insurance exams average between 55% and 65%, so preparation is crucial.
State-by-State Life Insurance Exam Guide
Texas Life Insurance Exam
The Texas life insurance exam is administered by Pearson VUE.
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Format: 100 scored questions + 10 pretest questions.
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Time Limit: 2 hours.
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Passing Score: 70%.
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Requirements: No pre-licensing course required, but preparation is strongly recommended.
Study Tip: Use a structured plan. Flashcards and exam simulators help reinforce Texas-specific insurance regulations and ethics.
Iowa Life Insurance Exam Study Guide
If you’re preparing in Iowa, you’ll need the Iowa life insurance exam study guide to focus on the right areas.
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Exam Provider: Pearson VUE.
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Format: 95–110 multiple-choice questions.
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Time Limit: 2 hours.
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Requirements: Iowa requires 36 hours of pre-licensing education (including 3 hours of ethics).
Study Tips for Iowa Candidates:
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Break your prep into daily study sessions.
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Focus on Iowa-specific laws and ethics regulations.
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Use practice exams to get comfortable with timing.
Illinois Insurance Exam
The Illinois insurance exam is also handled by Pearson VUE.
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Format: Life-only exam includes 85 questions; Life & Health exam includes 150 questions.
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Time Limit: 2.5 hours.
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Passing Score: 70%.
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Requirements: 20 hours of pre-licensing education (7.5 hours must be in a classroom or live webinar).
Pro Tip: Pay special attention to Illinois-specific rules and producer licensing laws. Many test-takers struggle with regulatory questions, so don’t skip them.
Massachusetts Life Insurance Exam
The Massachusetts life insurance exam is administered by PSI.
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Format: 100 scored questions.
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Time Limit: 2 hours.
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Passing Score: 70%.
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Requirements: Massachusetts requires candidates to complete pre-licensing education before scheduling the exam.
Study Tip: Review policy taxation rules and Massachusetts state regulations carefully—these are common stumbling blocks.
Life Insurance Exam Georgia
The life insurance exam in Georgia is run by Pearson VUE.
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Format: 80–100 multiple-choice questions.
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Time Limit: 2 hours.
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Passing Score: 70%.
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Requirements: Georgia requires 20 hours of pre-licensing education.
Study Strategy for Georgia:
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Spend time on state-specific content, especially replacement regulations.
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Build a study calendar and practice consistently for at least 2–3 weeks.
Study Tips to Pass Any Life Insurance Exam
No matter which state you’re in, here’s how to maximize your chances:
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Create a Study Schedule – Dedicate 2–3 weeks of consistent prep.
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Use Practice Exams – Simulate test-day conditions and track progress.
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Focus on State-Specific Laws – These questions can make or break your score.
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Break Material into Sections – Don’t cram; study in chunks.
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Stay Consistent – Daily study is more effective than last-minute cramming.
FAQs
1. How many questions are on the Texas life insurance exam?
The Texas exam has 100 scored questions plus 10 pretest questions.
2. What’s the passing score for the Massachusetts life insurance exam?
You need a 70% or higher to pass.
3. How do I study for the Iowa life insurance exam effectively?
Use an Iowa life insurance exam study guide, focus on state laws, and practice with timed simulations.
4. Is the Illinois insurance exam multiple-choice?
Yes, the Illinois exam is entirely multiple-choice questions.
5. How long should I study for the Georgia life insurance exam?
Most students need 2–3 weeks of consistent preparation to pass.
Conclusion
Becoming a licensed life insurance agent opens the door to a rewarding career—but first, you need to pass your state exam. Whether you’re preparing for the Texas life insurance exam, Iowa life insurance exam study guide, Illinois insurance exam, Massachusetts life insurance exam, or life insurance exam in Georgia, the right prep makes all the difference.
At Your Insurance License, our 3-part proven training system—flashcards, simulators, and study guides—gives you the tools to succeed. Start your journey today and take the first step toward becoming a licensed insurance professional.
Your Insurance License Awaits—Get Started Now!
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