Paul Sanchez
The duration of the final exam for a life insurance license varies depending on the state and the exam provider. For example, in Texas, the Life, Accident, and Health exam is 150 minutes long, while in Missouri, the Life Producer Insurance exam consists of 90 multiple-choice questions. The License Coach, which offers exam preparation courses, also administers its own final exam, but the duration of this exam is unclear. After passing the License Coach exam, candidates must then register for and pass a state exam administered by a third party.
| Characteristics | Values |
|---|---|
| Exam duration | 2 hours for single-line exams, 3 hours for combination exams |
| Number of attempts | No limit, but only 1 online attempt |
| Number of questions | Varies depending on the exam |
| Passing score | 60% or higher |
Registering for the exam
Firstly, you must satisfy the requirements to qualify for the exam. For example, in Florida, you must be 18 years of age or older, be a resident of the state, and be a US citizen or legal alien with work authorization. In California, the requirements are similar, with the addition of completing an approved prelicensing course of study.
Once you have met the requirements, you can make an exam reservation. In Texas, Missouri, and California, exams are administered by Pearson VUE, and you can register online or by phone. In Florida, you can register online or by phone with Pearson VUE, or online with PSI Exams.
It is important to note that there are specific requirements for registration. For example, in Florida, you must register at least one business day in advance, and on-site registration is not allowed. Similarly, in Texas, you must register at least 24 hours in advance.
When registering, you will need to provide certain information and meet specific requirements. For example, in Florida, you must present one form of current, unexpired, government-issued photo identification with a valid signature.
By following these steps and meeting the requirements for your specific state, you will be able to successfully register for your insurance license exam.
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Exam format
The exam format for the License Coach final exam varies depending on the state. Here is an overview of the exam formats for a few states:
Texas
The Texas Insurance License Exam is administered by Pearson VUE, and you can register and book your exam through their website. The exam can be taken online or in person. Each major insurance line examination includes bullet-point questions covering both general and state-specific material. The general questions test your federal insurance product and agent knowledge, while the state-specific questions cover Texas insurance regulations and laws.
The Life, Accident, and Health exam and the Property and Casualty exam are 150 minutes long. The number of questions varies depending on the exam: the Life exam has 80 scorable questions, the Life and Health exam has 130 scorable questions, and the Property and Casualty exam has 130 scorable questions.
California
The California state insurance producer license exam is a written examination. The License Coach final exam for California requires a passing score of 60% or higher, and the timer must be completely run out.
Florida
The Florida state insurance producer license exam is a written examination. The exam can be registered for online or by phone, and it must be taken in person. The exam fee is $42. To pass, applicants must achieve a score of 70% or higher.
Missouri
The Missouri Insurance License Exam is administered by Pearson VUE, and you can register and book your exam through their website. The exam can be taken online or in person. Each major insurance line examination includes bullet-point questions covering both general and state-specific material. The general questions test your federal insurance product and agent knowledge, while the state-specific questions cover Missouri insurance regulations and laws.
The duration of most single-line Missouri insurance exams is two hours, while the combination exams are longer (e.g., three hours for the Life, Accident & Health Insurance combo exam). The number of questions depends on the exam line: the Missouri Life Producer exam has 90 multiple-choice questions, the Missouri Accident & Health exam has 90 multiple-choice questions, and the Life, Accident & Health Insurance combo exam has 145 questions.
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Exam content
The exam content for the License Coach final exam will vary depending on the state in which you are taking the exam.
California
In California, applicants must complete 20 hours of PreLicense Education (PLE) for each major line of authority (LOA) being sought, plus 12 hours of Ethics and California Insurance Code education. For example, an applicant who wishes to obtain a life-only license or an accident and health license must complete 32 hours of PLE. An applicant who wishes to obtain a life and accident & health license must complete 52 hours of PLE.
Texas
The Texas Insurance License Exam is administered by Pearson VUE and includes both general and state-specific material. The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Texas insurance regulations and laws that you will need to know in order to operate as an insurance agent.
The exam consists of 80 scorable questions for Life, 130 scorable questions for Life and Health, and 130 scorable questions for Property and Casualty. The Life, Accident, and Health exam, as well as the Property and Casualty exam, are 150 minutes long.
Florida
In Florida, applicants are required to complete an approved prelicensing course of study. The prelicense education course must be completed sequentially, and applicants must pass end-of-chapter quizzes with a score of 70% or higher to proceed to the next lesson. The final exam does not require a proctor and applicants must pass with a score of 70% or higher to receive a certificate of completion.
Missouri
The Missouri Insurance License Exam is also administered by Pearson VUE and includes both general and state-specific material. The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions relate to Missouri insurance regulations and laws.
The Missouri Life Producer Insurance exam consists of 90 multiple-choice questions, as does the Missouri Accident & Health exam. The Life, Accident & Health Insurance combo exam has 145 questions. The duration of most single-line Missouri insurance exams is two hours, while the combination exams are longer (e.g. three hours).
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Exam results
The final exam results for the License Coach Life Insurance course are not immediately available. The exact procedure for receiving exam results is not specified, but it is likely that results will be communicated to candidates via email or through their License Coach account.
The License Coach course is a preparatory step for the state exam, which is administered by Pearson VUE for states like Texas, Missouri, and California. The state exam results are provided immediately after the examination for candidates in California. For candidates in Missouri, the score report is given at the Pearson VUE test center if the exam is taken in person.
After passing the License Coach final exam, candidates can proceed to sign up for their state exam. It is important to note that the state exam must be passed before submitting a license application. The state exam results are typically provided immediately after the examination, and candidates must achieve a passing score to initiate the license application process.
To summarize, the exam results for the License Coach course are not explicitly mentioned, but state exam results are generally provided soon after the examination, with immediate feedback on pass or fail, and numerical scores may be accessible through test centers or online profiles.
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Next steps
Now that you've passed the License Coach final exam, it's time to focus on obtaining your state license. The specific steps may vary depending on your state, but here are the general next steps to guide you through the process:
- Review the State Requirements: Each state has its own set of requirements for obtaining an insurance license. Be sure to review the requirements for your specific state. For example, the California Department of Insurance requires candidates to pass the licensing exam before submitting their license application, while the Florida Department of Insurance allows candidates to take the exam and submit their application within a certain time frame. Understanding the unique requirements for your state will help you navigate the process more efficiently.
- Register for the State Exam: Sign up for your state insurance exam with the designated testing provider. In many states, including Texas, California, Florida, and Missouri, the state exam is administered by Pearson VUE. You can register for the exam online or by phone, but be sure to do so at least 24 hours in advance. Some states, like California, may require you to review a specific handbook or bulletin before scheduling your exam.
- Prepare for the State Exam: The state insurance exam will cover both general insurance knowledge and state-specific regulations and laws. Familiarize yourself with the content outline provided by the testing provider, as it will give you an idea of the topics that will be covered in the exam. Consider enrolling in a pre-license course, such as those offered by Kaplan, to enhance your preparation. These courses often include online exam simulations, live online training, printable study guides, and end-of-chapter reviews, which can significantly improve your chances of passing.
- Complete the State Exam: On the day of your state exam, be sure to arrive at the testing center early, especially if you plan to take the exam in person. This will help you get accustomed to the surroundings and complete any necessary check-in procedures. Bring along the required identification documents, such as a current, unexpired, government-issued photo ID with your signature. If applicable, you may also bring an approved translation dictionary if English is your second language.
- Apply for Your State License: After successfully passing the state exam, you can proceed with the license application process. This typically involves submitting an online application and paying the associated fees. You may also be required to submit additional documentation, such as fingerprint impressions or a set of fingerprints, depending on your state's requirements. Be mindful of the deadlines for submitting your application, as there may be time restrictions in place.
- Stay Informed about Continuing Education Requirements: Once you obtain your state license, remember that you will need to renew it periodically to maintain your status as a legitimate insurance agent. For example, in Texas and Missouri, insurance licenses need to be renewed every two years. Familiarize yourself with the renewal process and any continuing education requirements to ensure that you can meet the necessary criteria to maintain your license in good standing.
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Frequently asked questions
The final exam for a license coach life insurance does not have a set duration. However, the duration of most single-line state insurance exams is around two hours, while combination exams are longer, around three hours.
The passing score for the final exam varies by state. For example, in California, applicants must achieve a score of 60% or higher to pass, while in Florida and Missouri, the required score is 70% or higher.
If you fail the final exam, you can retake it. The number of retakes allowed varies by state. For instance, in California, candidates may retake the exam as many times as necessary within one year of submitting their license application. In Florida, there is a limit of five exam attempts for the same exam type during a 12-month period.
