How Hard Is the Life & Health Exam? 2026 State Rules, Hardest Topics & Costs

How hard is the life and health insurance exam in 2026? Exam requirements and passing standards vary by state. This video uses the rules two states publish: California (60% to pass, 150 questions combined or 75 per line, $55 exam fee plus PSI's $43, $188 filing, $74 Live Scan, a 12-month bar after 10 failures within 12 months) and Illinois (scaled score of 70, $92 for a line's General and State exams on one order, a 24-hour wait before booking a test-center retake and 90 days to pass both). It covers the six topics our guide ranks hardest and a phased study plan. Free practice and state guides: https://open-exam-prep.com/study-guides/life-health Full blog guide: https://open-exam-prep.com/blog/how-hard-is-life-health-insurance-exam-2026 Open Exam Prep is an independent study site and is not affiliated with any state insurance department or testing vendor. ⏱️ Timestamps: 0:00 - Introduction 0:11 - Scene 1 0:46 - Scene 2 1:16 - Scene 3 2:03 - Scene 4 2:28 - Scene 5 3:06 - Scene 6 3:32 - Next steps