Insurance Producer — Life & Health Practice Test 2026
Free Life & Health insurance producer license practice — the national general-knowledge concepts (life & annuities, health & disability, Medicare, contract law) tested on the state producer exam. Chinese, Spanish, Vietnamese & Korean explanations; California's real exam is officially offered in all five languages.
Can you take the official knowledge test in your language?
🎯 Practice by Topic
General Insurance Concepts and Principles
Risk, peril, and hazard; the law of large numbers; insurable interest, indemnity, and utmost good faith; adverse selection; and the risk-management techniques.
Contract Law
The four elements of a legal contract; the special characteristics of insurance contracts (adhesion, aleatory, unilateral, conditional); representation, misrepresentation, concealment, warranty, and rescission.
The Insurance Marketplace
Distribution systems; producer authority and fiduciary duty; insurer types (admitted/nonadmitted, mutual/stock/fraternal); reinsurance; and general market-conduct concepts.
Life Insurance Basics
Purposes of life insurance; the Human Life Value and Needs approaches; insurable interest at inception; premium components; and participating vs non-participating policies.
Types of Life Policies
Term, whole life, universal life, variable and variable-universal life, indexed life, and specialized policies (credit, mortgage, group, joint/survivorship, juvenile, endowment, final expense).
Annuities
Fixed, indexed, and variable annuities; immediate vs deferred; accumulation vs annuitization; payout/settlement options; surrender charges; and qualified vs nonqualified annuities.
The Individual Life Insurance Contract
Standard policy provisions; beneficiary designations; nonforfeiture, dividend, and settlement options; and policy exclusions.
Taxation of Life Insurance and Annuities
Federal tax treatment of death benefits, cash value, and dividends; Modified Endowment Contracts; 1035 exchanges; annuity and qualified-plan taxation; and estate/business tax concepts.
Group Life, Social Security, and Life Underwriting
Group life (master policy/conversion); Social Security survivor and disability concepts; and field underwriting, application, information sources, risk classification, and policy delivery.
Life Policy Riders
The mechanics of life policy riders — waiver of premium, guaranteed insurability, accidental death & dismemberment, payor benefit, accelerated death benefit, and term/LTC riders.
General Health and Disability Concepts
Accident vs sickness; cost-sharing (deductible, coinsurance, copay, stop-loss); elimination and probationary periods; the renewability provisions (noncancelable → cancelable); and limited health policies.
Medical Expense Insurance
Managed-care plans (HMO, PPO, EPO, POS); consumer-directed plans (HSA/HDHP, HRA, FSA); basic and major medical coverage; contract provisions; and essential vs optional benefits.
Group Health and Federal Law
Group health fundamentals and coordination of benefits, plus the federal laws — COBRA, HIPAA, ERISA, ACA/PPACA, FMLA and the related mandates.
Senior Health Products and Medicare
Medicare Parts A–D and Medicare Advantage; enrollment periods and penalties; Medicare Supplement (Medigap); Medicaid and dual eligibles; and senior-market suitability.
Disability Income Insurance
Definitions of total/partial/residual disability; elimination and benefit periods; income-replacement limits; key riders (COLA, GI, social-insurance supplement); and business DI (BOE, buy-sell, key person).
Long-Term Care Insurance
Levels and settings of care; ADL/cognitive benefit triggers; policy structure (pool of money, elimination period, inflation protection); consumer protections; tax-qualified LTC; and Partnership and hybrid products.
📋 What to Bring
- ✓
Two valid IDs (one government photo ID)
PSI test centers require a primary government photo ID plus a second ID; names must match your exam registration.
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Exam confirmation + fee paid
Register and pay through PSI (California's insurance-exam vendor); bring your confirmation number.
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Proof of prelicensing course completion
California requires prelicensing education (incl. a state ethics component) before you can sit the exam.
📅 How to Schedule
- 1
Complete California prelicensing education
California requires 20 hours per line plus a 12-hour state ethics & code course (AB 943). Finish it and keep your certificate.
- 2
Register with PSI
California uses PSI for insurance licensing exams. Schedule your Life &/or Health exam and choose your test language (English, Spanish, Chinese, Vietnamese or Korean).
- 3
Pass the exam, then apply to CDI
After passing, apply for your license (and complete fingerprinting) with the California Department of Insurance.
💡 Test Day Tips
- •Want to simulate the real exam? There is no standalone national test — the exam is administered per state. Take the California combined mock (150 questions, National + CA state law on one paper) on the California page.
- •Know the difference between the three life-policy types: Term (temporary, no cash value), Whole Life (permanent, guaranteed cash value & level premium), and Universal Life (flexible premium & death benefit). Annuities are the opposite of life insurance — they protect against outliving your money.
- •Contract law basics: an insurance contract is one of adhesion (take-it-or-leave-it), aleatory (unequal exchange of value), unilateral, and of utmost good faith. Know the elements — offer & acceptance, consideration, competent parties, legal purpose.
- •Health: master the difference between HMO (in-network, PCP gatekeeper, capitation) and PPO (out-of-network allowed, no referral). Know the ACA essentials, COBRA continuation (18/29/36 months), and HIPAA portability.
- •Medicare parts: A (hospital), B (medical), C (Medicare Advantage), D (drugs). Medicare Supplement (Medigap) plans are standardized A–N. These senior-market items are heavily tested.
- •The California exam is offered in English, Spanish, Chinese, Vietnamese and Korean — but the policy and legal terminology is standardized. Use the explanations here to lock in both the concept and the standard English term.
📚 Study Handbook
All practice questions are based on the sections below. Click any to read the official source.
🔗 Official Resources
California Department of Insurance (CDI) ↗
The state insurance regulator — prelicensing requirements, license application, and the ethics/code rules for California producers.
PSI Exams — California Insurance ↗
California's insurance-exam vendor — register, schedule, choose your test language, and download the candidate information bulletin.
CDI Prelicensing Education ↗
The required prelicensing course hours (incl. the 12-hour state ethics & code course) before you can sit the exam.
Medicare.gov ↗
The official Medicare site — Parts A/B/C/D, Medigap standardization and enrollment periods, all heavily tested on the Health portion.
❓ Frequently asked questions
Can you take the Insurance Producer — Life & Health test in your language?
The Insurance Producer — Life & Health knowledge test is offered in: English · 中文 · Español · Tiếng Việt · 한국어.
Is the Insurance Producer — Life & Health test timed?
Time limit: 195 min.
What should I bring to the Insurance Producer — Life & Health test?
Two valid IDs (one government photo ID) — PSI test centers require a primary government photo ID plus a second ID; names must match your exam registration. Exam confirmation + fee paid — Register and pay through PSI (California's insurance-exam vendor); bring your confirmation number. Proof of prelicensing course completion — California requires prelicensing education (incl. a state ethics component) before you can sit the exam.
How do I schedule and take the Insurance Producer — Life & Health test?
1. Complete California prelicensing education: California requires 20 hours per line plus a 12-hour state ethics & code course (AB 943). Finish it and keep your certificate. 2. Register with PSI: California uses PSI for insurance licensing exams. Schedule your Life &/or Health exam and choose your test language (English, Spanish, Chinese, Vietnamese or Korean). 3. Pass the exam, then apply to CDI: After passing, apply for your license (and complete fingerprinting) with the California Department of Insurance.