Take a free practice quiz or point your phone at any life and health insurance exam question for an instant, explained answer — policy types, provisions, and state rules, without the guesswork.
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Try it freeLife and health licensing exams live and die on precise definitions — the difference between a whole life and universal life policy, what makes a provision 'incontestable' versus 'grace period,' or which health policy renewability class actually lets an insurer cancel. The wording is intentionally close, and one word can flip the correct answer. Cambo reads the exact question and explains the specific definition or rule the correct answer depends on.
It varies by state, but most states' combined Life & Health exam runs roughly 100–150 questions over about 2.5 to 3 hours. Check your specific state's insurance department or testing vendor (Pearson VUE, PSI, or Prometric, depending on the state) for the exact count.
Most states set the passing score around 70%, though the exact threshold and scaling method can differ — confirm the current number with your state's insurance department before test day.
This varies significantly by state — some states require no pre-licensing hours at all for Life & Health, while others require 20–40+ hours (and a few, like Colorado, require significantly more). Check your specific state's requirement rather than assuming a national standard applies.
No. Cambo is an independent study tool, not produced or endorsed by the National Association of Insurance Commissioners or any state department of insurance.
Yes, substantially — the number of questions, pre-licensing hours, passing score, retake rules, and testing vendor all vary by state. This page covers concepts common to most states' Life & Health exams; always verify the specifics with your own state's insurance department before you register.
Most states allow multiple attempts, but retake fees, waiting periods between attempts, and any cap on total tries (some states require additional education after repeated failures) vary by state — check your state's rules directly.