How Hard Is The Life And Health Insurance Exam? 
The exams still vary from state to state and so does their `` hardness '' . Having taken and passed the exams in 3 different states over the years I can say that they are not examinations set to weed out all but the select few . While the standards have been raised in recent years , in my experience any reasonably intelligent person who pays attention in the class you have to take should be able to pass the licensing exam the first time they take it . If you flunk the Life & Health exam 3 times and are still fogging a mirror you definitely need to move on to some other career choice . All the hard stuff to learn about the Life and Health Insurance world comes to you after you 've gotten your license . The licensing process teaches you the basic terminology and rules of the road , it does n't teach you how to drive . 