State Regulations

The Life and Health insurance exam encompasses the fundamentals of the various types of life insurance products, such as whole life, term life, universal life and annuities, as well as health insurance offerings such as PPOs, HMOs and Major Medical. You'll need to understand all the policy components, such as riders, exclusions, amendments and provisions and how they apply to real-world scenarios. Most states also include questions regarding state-specific insurance regulations as well as the ethics of selling insurance products to ensure that agents meet the clients' needs.

Life And Health Insurance Agents sell Life, Disability, Long Term Care, Medicare, and other policies to groups and individuals. You'll advise clients on what policies best suit their needs, tailor policies to fit their requirements, and help customers when they have questions or need to change their coverages.

Generally speaking, you must take your state-required pre-licensing courses, then pass your state's licensing exam. After passing, you typically must meet any basic state requirements such as age, passing a background check, etc.

We offer online and Instructor-led courses for taking your state's required pre-licensing course and earning your insurance license. You receive downloadable and printable training materials, Instructor-led training, and a bunch of sample exams.