How to pass the National Section of the Insurance Licensing Exam

Here is everything you wanted to know about the
National section of the state’s insurance licensing exam!

What types of questions are on the National section of the insurance test?

All of the insurance exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.

For example:

Chance of loss is the definition of:

a. risk
b. peril
c. indemnity
d. hazard

The insurance exam tests heavily on definitions (terminology) and numbers (dollar amounts and number of days).

The insurance exam is drawn from a large pool of questions – you will have a different set of questions than the person sitting next to you. If you retake the insurance exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.

Students report that about 1/3 of the questions are terminology (definitional) questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to a practical situation (story problems – usually short).

What score do I need to pass the insurance exam?

There are 4 basic exams given in most states – Life, Health, Property, and Casualty. In some states, the exams are combined (Property & Casualty). Some states have a Personal Lines exam for agents selling only homeowner or auto insurance.

In most states, you need a score of 70-75 to pass each exam. But, each exam consists of two parts – the “national” insurance section and the “state” section. This course will cover only the “national” insurance section.

Are questions grouped by category?

Our students always want to know if the questions regarding indemnification (for example) are grouped together. No, questions and topics are randomly scrambled, but that never seems to be a problem for anyone.

How do I sign up to take the insurance exam?

We recommend that you don’t go online to register for the exam but that you call PearsonVue (the testing company) 1-800-274-8906. Be sure to call at least 3 days in advance of the date you plan to take the exam. The earlier you sign up, the better your chances of getting the test date of your choice.

Which insurance test is the toughest?

Each insurance licensing exam presents its own challenge. Between Life and Health, students say that the Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies.

The Property insurance exam is easier than the Casualty insurance exam. Property insurance deals with easy to understand issues – fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance – protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp – particularly if you have never been sued.

The state portion of the insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.

This is a challenging exam. Put yourself on a strict schedule as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.

Will I have adequate time to complete the insurance test?

Yes. We have never had students say that they ran out of time to complete the insurance exam. Most students finish in about half of the allotted time (up to 3 1/2 hours). The only students who ever report that they ran out of time were those who were trying to memorize questions in the event they had to repeat the exam – a task that we don’t recommend.

Is the insurance exam still given by the “paper and pencil” method?

No, this is a computerized exam. Virtually all of the students say the proctors were helpful, the room was quiet, and the computer worked well. The proctors will give you the opportunity to complete a practice exam to learn how to use the computer system. When you are done, you will NOT be given a copy of the insurance exam, nor will you be given the opportunity to review particular questions and their answers. The insurance exam will be scored immediately and you will know your results when you leave.

What is the best test prep method for passing the insurance exam?

There is no alternative to knowing the material. There are no shortcuts to learning but there are more effective and less frustrating ways to learn. We recommend that you follow a 4-step process:

  • watch and listen to the lecture;
  • highlight key concepts in your text as Jack highlights them;
  • review questions in the test bank; and
  • send AP an email if you have any questions.
  • America’s Professor (www.AmericasProfessor.com) Insurance Courses for the National Portion of the Exam: https://americasprofessor.com/insurance/
Online_Video_Courses Insurance_Sample_Practice_Exams
Insurance Pre-Licensing Courses Insurance Practice Exams

 

18 Comments
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ken
ken
1 year ago

How many questions are on the real exam?

America's Professor - DCM
America's Professor - DCM
1 year ago
Reply to  ken

Hi Ken, It depends on your state/test provider. Usually there are between 100 and 150 questions for a combo exam (PC or LH) with around 85% of those being national content and  being state content.

Amanda
Amanda
10 months ago

I am not understanding my score I took my P&C test for Louisiana today I passed with a score of 111.0 does that mean I got that many right?? I thought it was supposed to be a percentage??

America's Professor - DCM
America's Professor - DCM
10 months ago
Reply to  Amanda

Hi Amanda, Usually the score reports in each state do equate to a percentage but I’m guessing you took an exam with more than 100 questions and the score you have is the amount correct. Congrats on passing!

Kawanda M Polk
Kawanda M Polk
9 months ago
Reply to  Amanda

I just took life, health, and Accident and Sickness today and scored 107.0 I definitely know I passed…..but still trying to figure out how many questions that I missed from 160.

Bobbi Gintis
Bobbi Gintis
3 years ago

How much is this test?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Bobbi Gintis

Hello Bobbi, It depends on the state. Usually the test provider will charge $50-$100 per attempt. Your best bet is to check with the test provider in your state.

Nevada Guy
Nevada Guy
1 year ago
Reply to  Bobbi Gintis

In Nevada, the Life and Health is like 61 dollars

Jessica
Jessica
3 years ago

Having a hard time passing the “State” part on the property test. Already passed Casualty, any tips on where i can understand the state part for property? I have your guys book and it only covers “Crop and hail insurance” for property. I need more in depth, any advise?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Jessica

Hello Jessica,
Our state material is covered in our state manual (separate from our big national book) and in Chapter 24 of the online course. There could also be state updates in the updates section of the course. What state are you in? Have you purchased a course from us? Thanks and have a great day!

allene
allene
1 year ago

It states that 70% is passing, my coworker just passed with a 67%…when did this change

America's Professor - DCM
America's Professor - DCM
1 year ago
Reply to  allene

Hi Allene, Most states don’t have a pass score below 70. What state are you in?

Lisa L
Lisa L
11 months ago

How many times can you take the exam?

America's Professor - DCM
America's Professor - DCM
11 months ago
Reply to  Lisa L

Hi Lisa, Depends on the state. Some states have a 3 time limits before you need to use another pre-licensing provider and some states, without a pre-licensing course prerequisite, will let you take it as many times as you would like. You Department of Insurance or Exam Provider should be able to tell you what your options are. Good luck!

Melissa
Melissa
10 months ago

Hi does New York require a pre-licensing Provider to take the test or can I study and take the test on my own?

America's Professor - DCM
America's Professor - DCM
10 months ago
Reply to  Melissa

Hi Melissa, New York does have an insurance pre-licensing requirement. They probably have a list of approved providers on their website. Good luck!

Ryan Gallo
Ryan Gallo
7 months ago

I’ll be doing my pre testing for Life, accident and health soon. Any tips would be appreciated. I have a hard time focusing but this is something I want to do.

America's Professor - DCM
America's Professor - DCM
7 months ago
Reply to  Ryan Gallo

Hi Ryan, I recommend picking a course that works with your learning style and try to complete it as quickly as you can. Then take your state exam as soon as possible after completion. Work with your course to provider to make sure you understand all of the course content before testing. Let us know if you have any other questions. Good luck!