Passing Score for Life and Health Insurance Exams

Minimum Passing Score

Most state insurance exams require a scaled score of 70% to pass both the life and health insurance portions. However, the exact percentage can shift depending on the state licensing authority and the exam's difficulty curve that day.

How the Scoring Works

Insurance exams use a scaled scoring model, not a simple percentage of correct answers. A pre-set difficulty level determines the raw-to-scaled conversion, so two test-takers with the same number of correct answers can receive different scaled scores.

Key factors that influence your passing percentage

• State-specific requirements set by the department of insurance
• The exam's form difficulty, which adjusts the raw score needed
• Whether you are taking a combined life and health exam or a separate line

What the Passing Percentage Depends On

The passing threshold is not a fixed number across the country. Some states anchor the minimum scaled score at 70%, while others set it at 72% or higher for certain lines. The National Association of Insurance Commissioners (NAIC) provides a baseline, but each state adjusts the cut score based on local regulatory standards.

Preparing to Hit the Target

Aim for a consistent practice score above 80% before sitting for the exam, because the scaled scoring means a comfortable cushion is wise. Use state-specific study materials that mirror the exam outline and focus on weak areas like policy provisions or underwriting basics.

What Happens If You Fall Short

Failing by a narrow margin often means you can retake the exam after a waiting period, which varies by state. Review the score report to identify sections below the passing line, then target those areas before rescheduling.