Your Life & Health Licensing Exam, Without the Fluff
One idea and one drawing per page, for the national part of your state exam.
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One idea and one drawing per page, for the national part of your state exam.
Swipe through real pages from Book 1. Every page is one idea, one drawing, and the section it belongs to on the Pearson VUE, PSI and California outlines.
Book 1, the Rapid Review Cards and the A to Z of Life & Health Insurance.
A drawing does the explaining, and the text stays short.
Portrait pages sized for a phone screen. Print them if you prefer paper.
About 4 in 10 don't pass
That's the first-time result on the General Lines Life, Accident & Health exam in Texas in 2025, where 57% passed.
The toughest topics are the ones that are easy to mix up and hard to memorize:
A picture is easier to remember than a list of terms. That's why every one of these is drawn out in the kit, with the look-alike it gets confused with on the same page.
Texas Department of Insurance, exam statistics reported by Pearson VUE, January to December 2025: 57% of 26,273 first-time English-language candidates passed the General Lines Life, Accident & Health exam. Read October 2026. A pass rate describes the exam, not this kit.
The licensing exam is full of near-twins. The kit puts them side by side, names the mix-up, and gives you a hook to keep them straight.
A peril causes the loss. A hazard makes the loss more likely or worse, and there are three kinds: physical, moral and morale. Match the word the question uses.
Book 1, page 3
Universal life, two ways. Option A: a level death benefit with the cash value inside it. Option B: the face amount plus the cash value, so the benefit rises and the insurance costs more.
Book 1, page 18
The free look starts at delivery and returns every dollar. The grace period starts at a missed premium and keeps the policy in force until it ends. Two clocks, two different starts.
Book 1, pages 26 and 27
Both are nonforfeiture options. Reduced paid-up keeps the policy for life at a smaller face amount. Extended term keeps the full face amount, but only for a set time.
Book 1, page 34
Every page carries an Exam Trap, and every page with a real memory hook carries one:
Incontestability does not stop an age or sex adjustment, and it never excuses an unpaid premium.
Two timers, two years, both start when the policy does.
Quoted word for word from Book 1, page 29, The two 2-year clocks.
Real hooks from Book 1, like "Cash it, shrink it, or stretch it" for the three nonforfeiture options.
The main book. Illustrated pages on the national part of the exam, in 11 parts sized from the Pearson VUE General Knowledge outline: life and health get about half the pages each, and provisions, options and riders get extra room because that is where the look-alikes live.
One card per page, each pointing to the Book 1 page to go back to if you missed it. Half are contrast cards: two look-alikes and the one difference that decides the question. Half are numbers cards: days, percentages, ages and dollar figures, each with its year or its "varies by state" flag. For the last week before your test date.
The terms in plain words, A to Z, the way the outlines use them: incontestability, elimination period, guaranteed insurability, MEC, coinsurance, waiver of premium and the rest. Each entry names the look-alike it gets confused with and its Book 1 page, and the short forms have entries of their own, from MIB and COBRA to HSA and EPO, with an index of every term at the back.
Total value: $87
One-time payment. No subscription. Keep the files forever.
Digital books (PDF), in English. We email your download link right after purchase, and your library lets you download them again anytime. Plus sales tax where applicable.
Made Simple guides are independent study aids. No guide can guarantee a passing score.
The agency or carrier is waiting on your license, the exam is booked, and your study time is the train, the lunch break and the sofa. Every page is sized for a phone. Start at page 1 and keep going.
Your state needs no course before the exam, so nobody handed you one. You want the national part taught plainly, without a full course or a thick textbook. Here it is, one idea and one drawing at a time.
Practice scores looked fine at home, and the exam still came down to pairs that look alike: own occupation or any occupation, grace period or free look. Every page names the pair and gives you a hook to keep it straight before you sit again.
No gimmicks and no shortcuts. Just the published outlines, drawn clearly.
Every page starts from the Pearson VUE General Knowledge outline, the PSI outlines and the California objectives, and uses the terms the outlines use, checked against the NAIC model laws and the federal sources for Medicare, Social Security and tax.
Where a number or rule differs by state, the page says "Varies by state" instead of printing one state's rule as everyone's. Where the best answer is a judgement call, the page says so in plain words.
Each page carries its Pearson VUE section, its PSI section and its California objective. Nothing is in the kit because it filled a page.
Not affiliated with any state department of insurance, the NAIC, Pearson VUE, PSI, Prometric, Medicare, CMS, the Social Security Administration, the IRS, the Department of Labor, HealthCare.gov, any insurance company or any pre-licensing education provider. We answer to the people studying, not to a publisher.
Use the kit for 7 days. If it doesn't help you, email us and you get 100% of your money back. No fine print, no hassle.
Right after purchase we email you a link to your library, where you download all three PDFs. You can come back and download them again anytime.
One-time payment of $27. No subscription, no recurring charges.
The national part of a US state Life, Health, or combined Life & Health insurance producer licensing exam: the exam your state gives through Pearson VUE, PSI or Prometric. Book 1 is organized by the Pearson VUE General Knowledge outline, and every page also carries its PSI section and its California objective, so it fits whichever outline your state uses. It is not written for Property & Casualty exams.
No. Book 1 teaches the national part, which is most of the scored items on a combined exam. Your state's law block is not in the kit. Wherever a number or rule differs by state, the page says "Varies by state" and tells you to check your state's handbook and insurance code. Pick your state in the checker below to see how its exam splits between the two parts.
No. Insurance Made Simple is a study aid, not a course. It is not an approved pre-licensing education provider, so it does not satisfy any state's pre-licensing education requirement and does not count for credit hours. If your state requires a course, you still need one from a provider your state lists.
Yes. The pages are portrait, phone-sized, and built around one idea each. They print fine too.
No. Insurance Made Simple is an independent study aid. It is not affiliated with, endorsed by or approved by any state department of insurance, the National Association of Insurance Commissioners (NAIC), Pearson VUE, PSI, Prometric, Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, the Internal Revenue Service, the Department of Labor, HealthCare.gov or any other government agency, any insurance company, or any pre-licensing education provider. Insurance Made Simple is not an approved pre-licensing education provider; its products do not satisfy any state's pre-licensing education requirement and do not count for credit hours. Nothing in these products is advice about buying insurance.
Email us within 7 days of purchase and we'll refund 100% of your money. Details on the refund policy page.
Every state's Life & Health licensing exam has the same shape: a national part the states share, and a state law block each state writes for itself. Book 1 teaches the national part. Texas is the worked example below, and the checker further down shows your own state.
The exam Texas gives through Pearson VUE. One sitting, two scored parts: 100 national items and 30 Texas items. Texas requires no course before it.
The nine Pearson VUE General Knowledge sections, items on the 100-item national part:
The 30 Texas items are the state law block, about 23% of the scored items. They are not in this kit. The pass mark is a scaled score of 70, set by the Texas Department of Insurance. The fee is $49 a sitting, and a retake can be booked for the next day. Outline effective September 1, 2026.
States publish their outlines in three shapes. Every Book 1 page carries its tag in all three.
A few states test through Prometric. Pick your state below to see its vendor, exam and outline date.
Sources: Pearson VUE Texas candidate handbook 124400 and content outline 124401, effective September 1, 2026; PSI candidate information bulletins for New York and Ohio; California Department of Insurance objectives, 10 CCR 2187 and 2187.1. Read October 2026. Confirm current rules with your state's testing vendor before you register.
Every state licenses its own producers, and the numbers differ: the vendor, the exam names, the scored items, the time, the fee, the pass mark and whether a course is required first. We read each state's published handbook. Pick yours to see what it said, and when we read it.
In most states the scored items split into a national part and a state law block, and the state's share varies a lot: 23% on the Texas combined exam, 33% on Florida's 2-15, 44% on Illinois Accident & Health. Book 1 teaches the national part.
Texas and North Carolina require no course before the exam. Florida, New York, Ohio, Michigan, Illinois and Georgia require pre-licensing hours from a provider the state lists. This kit is a study aid, not a course, and does not count toward those hours.
Outlines take effect on set dates, fees move, and states switch vendors. Every state below carries the date we read it. If something looks out of date, your state's testing vendor has the current page.
Exam names, item counts, times, fees, pass marks and pre-licensing rules were read from each state's published candidate handbook or bulletin on the date shown. States change their rules, so confirm current rules with your state's testing vendor before you register. The state law share is the share of scored items in the published outline, not a claim about which questions appear.
Spotted an error, or a page that didn't click? Email info@usinsurancemadesimple.com. A real person reads every message, and fixes go into the next version.
The licensing exam doesn't have to be the scary part of starting out. You don't need to reread the textbook. You need to see how the national part fits together, the way your state's outline lays it out.