Waitlist open · launching summer 2026
Pass your Life & Health insurance exam. In 30 days, on your phone.
State-specific question banks, an AI tutor that explains every wrong answer, and a 30-day plan that fits around your day job. $79 per state, roughly a third of the legacy question-bank price.
- Timeline
- 30 days
- to exam-ready
- Content
- 50 states
- state-specific banks
- On signup
- Free
- cheat-sheet PDF
You're three weeks from your test date
Insurance exam prep hasn't moved in a decade.
The pre-licensing course you paid for barely covers what's actually on the exam. The legacy question banks cost $100-130 and look like they were built in 1998. You grind through PDFs at 11pm hoping you'll remember the difference between term and whole life when the timer starts.
There is no modern alternative. No AI tutor that explains why answer C was wrong. No state-specific tracking that tells you which NAIC section is costing you points. No spaced repetition.
We're building that. State-specific banks, AI explanations on every miss, a 30-day plan, and pricing that doesn't assume your firm is paying.
What you get when we launch.
State-specific banks
Question pools tuned to each state's NAIC outline weighting plus the state law section. No generic national bank.
AI tutor on every miss
When you get a question wrong, the tutor walks you through the rule, the source citation, and the trap the question was setting.
Free 25-Q diagnostic
Take it before you pay anything. We map your weak sections back to the NAIC outline and tell you the realistic study time.
30-day plan, mobile-first
Daily check-ins built around your target exam date. Spaced repetition on the questions you keep missing.
Pick your state
Which state are you licensing in?
Each state has its own pre-licensing hours, exam vendor, and fee schedule. We pull the published figures from each state insurance department.
California
PSI · 60% to pass
Texas
Pearson VUE · 70% to pass
Florida
Pearson VUE · 70% to pass
New York
PSI · 70% to pass
Pennsylvania
PSI · 70% to pass
Illinois
PSI · 70% to pass
Ohio
PSI · 70% to pass
Georgia
PSI · 70% to pass
North Carolina
Pearson VUE · 70% to pass
Michigan
PSI · 70% to pass
Licensing in a state we haven't launched yet? Join the national waitlist and we'll add your state next.
Content outline
What's on the exam.
Most states adopt the NAIC content outline directly. State law accounts for the remaining 15-25% and varies by jurisdiction. Here's the national breakdown:
| Section | Weight |
|---|---|
| General Insurance Concepts | 10% |
| Life Insurance Basics | 10% |
| Life Insurance Policies & Riders | 15% |
| Annuities | 10% |
| Federal Tax of Life Insurance & Annuities | 5% |
| Health Insurance Basics | 10% |
| Health Insurance Policy Provisions, Clauses & Riders | 10% |
| Social Insurance (Medicare, Medicaid, OASDI) | 5% |
| Health Insurance Underwriting | 5% |
| Ethics | 5% |
| State Insurance Law & Regulation | 15% |
Pricing
Three ways in. No tricks.
Legacy question banks run $100-130. We charge $79. Subscribe if you want a month of prep with no commitment. Go annual if you write multiple states.
Per state
$79
one-time · 90-day access
One state, one exam. Drop in, grind through the bank, sit your test.
One state, one exam
Monthly
$29.99
per month · cancel anytime
All launch states. Most candidates cancel right after they pass, that's fine, it's why monthly exists.
Studying now, cancel after
Annual
$150
per year · all states
Medicare brokers and multi-state independents. One price, unlimited state question banks for a year.
Writing 3+ states
Waitlist members get a launch-week discount that won't be offered again.
Questions 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.
Get on the list before launch week.
Waitlist signup includes the cheat-sheet PDF, a heads-up before your state goes live, and the launch-week price that won't be offered again.
Want to see the launch states first? Browse state pages →