Life & Health license exam · CA · TX · FL
Pass your state's Life & Health exam the first time.
Modern prep tuned to your state's exam outline. A free diagnostic finds your weak spots, an AI tutor explains every wrong answer, and full-length mocks mirror the real test, at a fraction of what ExamFX and Kaplan charge.
- 700+
- exam-grade questions
- 60%
- cheaper than ExamFX
- 11
- NAIC elements covered
Why switch
Everything the legacy banks aren't.
| Feature | Lhexam | ExamFX / Kaplan |
|---|---|---|
| Price | $79 / state | $150–350 |
| AI tutor on every miss | Yes | No |
| State-specific question bank | Yes | Generic + add-on |
| Free readiness diagnostic | Yes | No |
| Spaced repetition | Yes | No |
| Built this decade | Yes | 1998 called |
How it works
Diagnose. Drill. Pass.
- 01
Diagnose in 25 questions
A free, state-weighted diagnostic estimates your readiness and shows exactly which elements are costing you points.
- 02
Study only what's weak
Short lessons written from the statute, a question bank tuned to your state, and an AI tutor that explains why the trap answer was wrong.
- 03
Mock until you pass
Full-length, element-weighted timed mocks that mirror your state's real exam: same length, same passing score, same pacing.
Live now
Built end-to-end for three states.
Full lessons, a state-tuned question bank, and real-length mocks for each. More states roll out from the waitlist.
Pricing
One pass. Honest pricing.
Start with the free diagnostic, no card. Upgrade only when you know it works.
Per state
$79
one-time · 90-day access
One state, one exam. Drop in, grind through the bank, sit your test.
Start free diagnosticMonthly
$29.99
per month · cancel anytime
All launch states. Most candidates cancel right after they pass, that's fine, it's why monthly exists.
Start free diagnosticAnnual
$150
per year · all states
Medicare brokers and multi-state independents. One price, unlimited state question banks for a year.
Start free diagnosticQuestions candidates actually ask.
- How hard is the L&H exam?
- Statewide first-time pass rates run 60-70% depending on the state. The national content is mostly memorization. State law sections are where most candidates lose points.
- How long does it take to study?
- Three to six weeks is typical at 10 hours per week. Texas allows you to sit immediately (no pre-licensing hours). Florida requires 60 hours of pre-licensing education before the exam.
- What's the total cost of getting licensed?
- Roughly $200-$350 in mandatory state fees alone (application + exam + fingerprinting), plus a pre-licensing course where required. Our $79 per-state tier replaces the $100-130 legacy question banks most candidates buy on top of that.
- Is the license worth getting?
- Yes if you plan to sell. Independent L&H producers in the US earn a median of $52k base plus commissions; Medicare brokers writing 10+ states routinely clear $150k. The license itself takes 4-8 weeks.
- Which states are you launching in first?
- California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, North Carolina, and Michigan. Other states are on the roadmap, join the waitlist and we'll prioritize states by signup density.
- When are you launching?
- Summer 2026 for the first three states, then a state every two weeks until all 10 launch states are live. Waitlist members get 14-day early access and a launch discount.
- Are you affiliated with my state insurance department?
- No. Lhexam is an independent exam-prep tool. State insurance departments accredit pre-licensing courses; we are study material that supplements (or replaces, where allowed) that course.
- What is the Life & Health insurance license exam?
- A state-administered exam that producers must pass before legally selling life insurance, annuities, and health products. Most states use a combined L&H exam with around 150 questions and a 70% passing score.
See where you stand in 10 minutes.
The diagnostic is free and tells you the truth about your readiness. No card, no commitment.
Start the free diagnostic →Independent exam prep · not affiliated with any state insurance department