How Hard Is The Life And Health Insurance Exam? 
The insurance commissioner in each state administers their own license exam . In California each test is different as questions are selected by a computer from a bank of about 5000 questions . It is very difficult to prepare for specific questions . The course requirements and materials differ from state to state but in California the mandated course was not enough to prepare a person for the examination . The examination required review and a thorough understanding of the concepts behind the products and enforcement of regulations . 