Life and Health Insurance Exam 2025 Practice Test & Study Guide 25 Most Asked Questions

Preparing for the Life and Health Insurance Exam in 2025? This comprehensive practice test and study guide covers 25 of the most frequently asked questions that appear on licensing exams nationwide. Each question includes a detailed explanation designed to help you understand key life and health insurance concepts, from policy provisions to taxation rules, underwriting processes, and regulatory principles. Whether you’re an aspiring insurance agent, a financial professional, or a student preparing for your state licensing exam, this video will help you strengthen your knowledge and boost your exam confidence.

In this session, you’ll review essential topics such as the purpose of the Medical Information Bureau (MIB), the functions of Universal Life and Term Life policies, the components of group health insurance, and the rules surrounding taxation, disability income benefits, and annuity phases. You’ll also learn about crucial provisions like the Entire Contract Clause, Settlement Options, and Nonforfeiture Options, as well as healthcare concepts such as Coordination of Benefits (COB), PPO and HMO structures, and ACA regulations regarding pre-existing conditions. Each explanation breaks down complex ideas into simple terms to help you retain and apply them effectively on exam day.

This study guide is ideal for test-takers preparing for exams administered by Pearson VUE, Prometric, or PSI, and aligns with current 2025 state exam outlines. By the end of this video, you’ll gain a solid understanding of life and health insurance fundamentals—everything from policy types and riders to ethics, legal definitions, and industry practices.

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