Insurance L&H License Writing Guide
Task types, scoring criteria, and strategies to excel in the writing section.
Writing Overview
Insurance producer licenses are state-issued and required to sell life, health, property, or casualty insurance. The Life & Health (L&H) exam covers insurance concepts, policy types, state insurance law, and ethical sales practices. Administered by PSI or Pearson VUE.
Note: Insurance L&H License does not have a dedicated writing section. This guide covers general test preparation.
High-Score Strategies
- 1.Know the four parts of Medicare (A, B, C, D) cold — multiple questions per exam.
- 2.Understand the difference between term and permanent life thoroughly including riders.
- 3.Unfair trade practices (rebating, twisting, churning, misrepresentation) are heavily tested.
- 4.Disability insurance definitions: own-occupation vs. any-occupation is a key distinction.
- 5.Use ExamFX or Kaplan's pre-licensing course — both align closely to exam content.
- 6.Practice state-specific questions — state law accounts for ~33% of your exam.