Life Insurance Exam Pass Rate: What Percentage of People Pass?

4/1/2026

The life insurance exam pass rate typically ranges from 50% to 70%, depending on the state and the quality of preparation.

This means that up to half of test-takers may fail on their first attempt — but most people pass once they properly prepare.

The key takeaway? The exam is very passable — but only if you study the right way.

In this guide, you’ll learn:

• Real pass rates and what they mean
• Why people fail the exam
• How to increase your chances of passing
• What to do if you don’t pass

If you're just getting started, read this first:

How to become a life insurance agent (step-by-step guide)

What Is the Average Life Insurance Exam Pass Rate?

Most states report pass rates between:

50% and 70%

This means:

• The exam is not “easy”
• But it is very achievable with preparation

Why pass rates vary:

• Different state requirements
• Varying exam difficulty
• Quality of training materials

The biggest factor is preparation — not intelligence or background.

Why Do People Fail the Life Insurance Exam?

Most people who fail make one or more of these mistakes:

1. Skipping the Pre-Licensing Course

   Trying to study without structured training is one of the biggest reasons for failure.

1. Underestimating the Exam

Many people assume it’s easy and don’t study enough.

1. Not Using Practice Exams

Without practice tests, candidates are not prepared for:

• Question format
• Timing
• Trick questions

1. Ignoring State-Specific Material

A large portion of the exam focuses on your state’s laws and regulations.

Make sure you're studying the correct material:

Find your state insurance licensing requirements

https://www.abtrainingcenter.com/life-health-insurance-license

How to Increase Your Chances of Passing

If you want to pass on your first attempt, follow these proven strategies:

1. Take a Pre-Licensing Course

A structured course will:

• Cover all exam topics
• Provide guided learning
• Include practice exams

Start here:

Enroll in a life & health pre-licensing course

https://www.abtrainingcenter.com/life-health-insurance-license

1. Use Practice Exams

Practice tests help you:

• Identify weak areas
• Improve accuracy
• Build confidence

1. Study Consistently

Instead of cramming:

• Study daily
• Review key concepts regularly
• Focus on understanding, not memorization

1. Schedule Your Exam Quickly

Don’t wait too long after studying — your knowledge fades over time.

What Score Do You Need to Pass?

Most states require a score of:

70% or higher

Exact passing scores vary slightly by state, but 70% is the standard benchmark.

How Many Times Can You Take the Exam?

Most states allow multiple attempts if you fail.

However:

• You’ll need to pay the exam fee again
• Some states require a waiting period

This is why it’s best to prepare properly the first time.

What Happens If You Fail the Life Insurance Exam?

If you don’t pass:

1. You can retake the exam
2. Review your weak areas
3. Study more effectively

Most people who fail once pass on their next attempt.

Learn how to improve your preparation:

How to study for the insurance exam

https://www.abtrainingcenter.com/blog/study-pc-insurance-exam-biid1000142

Is the Life Insurance Exam Hard Compared to Other Exams?

Compared to other licensing exams:

• Similar to: Health insurance exam
• Easier than: Some P&C and adjuster exams
• Easier than: Many professional certifications

Learn more here:

How hard is the life insurance exam

https://www.abtrainingcenter.com/blog/life-insurance-exam-difficulty-biid1000386.

How Long Should You Study Before Taking the Exam?

Most candidates study for:

1 to 3 weeks

This depends on:

• Your schedule
• Study consistency
• Course quality

Learn more about timelines:

How long it takes to get a life insurance license

https://www.abtrainingcenter.com/blog/how-long-does-it-take-to-get-pc-license-biid1000153

Start Preparing for the Life Insurance Exam Today

The life insurance exam has a moderate pass rate — but with the right preparation, you can pass on your first attempt.

The most important step is starting with a structured course.

Get started now:

Start your life & health insurance license today

https://www.abtrainingcenter.com/life-health-insurance-license

Frequently Asked Questions

What percentage of people pass the life insurance exam?

Most states report pass rates between 50% and 70%.

Is the life insurance exam harder than expected?

It can be if you don’t prepare properly.

Can you pass the exam on your first try?

Yes — many candidates do with proper study and preparation.

What is the best way to pass the exam?

Taking a pre-licensing course and using practice exams.