Life & Health Insurance Exam

Rebuilt for 2026: 1,350+ questions plus an AI tutor under every answer that re-explains it four different ways until one sticks. Still pass or it's free.

Most people don't fail the life and health insurance exam on the material they studied hardest. They fail on policy provisions and state regulations — the near-identical definitions that blur together after a few hours. HMO, PPO, fee-for-service, prepaid.

This app finds that gap first: 1,350+ practice questions across every exam topic, timed mock tests, and an AI tutor that re-explains any answer until it sticks.

THE TUTOR IS THE PART THAT'S DIFFERENT Get a question wrong and you get a written explanation, same as anywhere else. What happens next is the difference. Tap the tutor and pick how you want it explained — Simple, Step by step, Memory hook, or Why I was wrong. Four angles on the same concept. Or type your own question and ask it directly.

On an exam this heavy on memorised definitions, "give me a memory hook for this" turns out to be the button people press most.

WHAT'S INSIDE: ~ 1,350+ practice questions, each with a written explanation ~ AI tutor on every question, four explanation styles ~ Build exam — pick your topics, question count and length ~ Mock exam — timed, so test day isn't the first time you feel the clock ~ Redo only what you missed, or only what you flagged ~ Flashcards with spaced repetition ~ Progress by topic, ranked by where an hour pays best ~ Question of the day, badges and streaks ~ Works offline once downloaded

TOPICS COVERED Basics of Life Insurance, Life Insurance Policy Provisions, Life Insurance Riders, Annuities, Basics of Health Insurance, Other Health Plans, Disability Income Insurance, Medicare and Medicaid, the Affordable Care Act, Underwriting, General Insurance, State Law and Regulations, Ethics.

IT TELLS YOU WHERE TO STUDY Progress orders your topics by where improvement moves your score most, then says it outright underneath: "Start with Disability Income Insurance — it has the most room left." No dashboard reading required.

RETAKING? Build exam, choose "Questions I missed", and work that list until it empties. Retake pass rates run lower than first attempts, mostly because people restart the whole bank instead of attacking what they already got wrong.

PASS OR IT'S FREE Don't pass after studying here and we refund your subscription.

Free to start. Premium unlocks the full bank, timed mock exams and flashcards.

Subscription terms: prices and renewal details appear in the app before purchase. Payment is charged to your Apple ID at confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Manage in Account Settings.

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VirtuePrep is an independent study resource, not affiliated with or endorsed by any state insurance department, the NAIC, or any testing vendor. We do not provide official or live exam questions. Check your state's insurance department for licensing requirements.