Pass your Life & Health exam. Study hands-free.
Lessons, practice questions and flashcards for the state life, accident and health producer exam, an audio coach you answer out loud, your state's law and timed mock exams in your state's exact format.
- An audio coach that quizzes you hands-free: you answer out loud
- All 50 states and DC, each with its own law chapter and exam format
- 965 original questions plus 78–91 for your state, every one explained
Get licensed. Stay licensed.
Built for how the Life & Health exam is really written
The exam covers life policies, provisions and riders, annuities, taxes and retirement, health plans, disability, Medicare, Medicaid, long-term care and group insurance. LicensedUP teaches all of it, and drills the traps the exam uses again and again.
Audio coach
Lessons play like a podcast, and the coach reads each question and its four choices. Say A, B, C or D and hear right away whether you're right and why.
Your state's law
All 50 states and DC have their own law chapter, written from the state's statutes and exam outline, with the source on every question (78–91 questions per state).
Mock exams in your format
The same number of questions, time limit, passing score and topic mix as your state's exam, with flags, review and a score report by topic.
Knows a guess from knowledge
Mark "Guessing" or "I'm sure". Lucky guesses come back until you know them, and the Confidence Check finds the misconceptions to fix.
Trap-word training
EXCEPT, NOT and ALWAYS are flagged with a tip, so you learn to read questions the way the exam writers do.
Private and offline
No account and no subscription. Everything is on your phone, works without a signal, and nothing about you leaves it.
An audio coach you answer out loud
Press play, put your phone away, and keep studying while you drive, walk or cook.
- Listen like a podcast: lessons play one after another, starting where you left off.
- Answer out loud: the coach reads a question, you say A, B, C or D, and spoken answers count toward your progress.
- Control it from the lock screen, with voice speed, thinking time and a sleep timer.
Your state's law, checked against the source
Pick your state and LicensedUP adds its law chapter and matches your exam: the number of questions, the time limit, the passing score and how much each topic counts.
- All 50 states and DC, each written from the state's own statutes, regulations and official exam outline.
- The source on every question, so you can see exactly which rule it tests.
- Licensing, continuing education and unfair trade practices, plus the rules specific to your state.
Rehearse the real thing
Take full-length exams under real conditions. Before you pick a state, the full exam is 150 questions in 180 minutes; after, it's your state's exact format.
- Full, half or quick: a full exam when you have the time, a 25-question check when you don't.
- Flag and review questions before you submit, like the testing center.
- A score report by topic, weakest first, so you know what to study next.
Every answer explained
965 original exam-style questions, every one explained, including why the most tempting wrong answer is wrong.
- Weak Spots drill, mixed practice and a 60-second Lightning Round.
- Questions by chapter so you can practice what you just read.
- Original, never copied: written from official outlines, statutes and regulations.
Games for the facts that trip people up
Exams love look-alike numbers: grace periods, free-look periods, contestability and claim deadlines. LicensedUP turns them into quick games.
- 347 smart flashcards that come back right before you'd forget them.
- 24 client role-play cases: act as the agent, spot the red flags and make the right call.
- Term Match against the clock.
A readiness score you can trust
Your readiness is weighted by what your exam actually tests. When it reaches 80% and you pass full mock exams, you're ready to book.
- A plan for today, built around your exam date and daily goal.
- Mastery by topic next to how much each topic counts.
- A study reminder at your time and a countdown to exam day.
Every topic on the Life & Health exam
12 chapters, weighted like typical state exam outlines, plus your state's law chapter. Full exam: 150 questions, 180 min · Half exam: 75 questions, 90 min · Quick check: 25 questions, 30 min.
Study for the license you need
Choose your exam when you pick your state, and the app covers exactly what that test covers.
Life only
Life insurance, annuities, policy provisions and riders, taxes and retirement, plus your state's life rules.
Accident & Health only
Health plans, disability income, Medicare supplements, long-term care and group coverage, plus your state's health rules.
Life & Health combined
The full combined exam most new agents take, weighted the way your state splits it.
Less than one retake fee
Pay once for your exam. No subscription, no trial that turns into a charge.
Free
Try it before you buy
- Two full chapters: Insurance Basics & Regulation and Life Insurance Basics & Underwriting
- Your study plan, streaks and reminders
- Your state's exam format
Full Life & Health
Everything for your exam, yours to keep
- All 12 chapters, 82 lessons and 965 questions
- Your state's law chapter
- Unlimited timed mock exams
- The audio coach, 347 flashcards, 24 client cases and games
- Every content update, free
Frequently asked
Does it include my state?
Yes. All 50 states and DC have their own Life & Health law chapter, and choosing your state also sets your exam's question count, time limit, passing score and topic mix. You can change your state any time in Settings.
Which version of the exam does it cover?
Pick your exam when you choose your state: Life only, Accident & Health only or the combined exam. The app studies exactly what that test covers.
Are these real exam questions?
No. Real exam questions are confidential. Every LicensedUP question is original, written in the style of the state exams from the official content outlines, statutes and regulations.
How much does it cost?
Free to try with two full chapters (Insurance Basics & Regulation and Life Insurance Basics & Underwriting). Unlocking the full exam is a one-time $19.99 purchase through the App Store or Google Play, with no subscription. Reinstall or get a new phone and "Restore purchase" brings it back.
Do I need an account or internet?
No. Download the app and start studying. Progress stays on your phone and everything works offline.
How does the audio coach hear my answer?
With your phone's built-in speech recognition, only while the coach is listening. The app doesn't record or keep your audio, and the coach works without the microphone too.
Is LicensedUP affiliated with my state or the testing company?
No. LicensedUP is an independent study aid, not affiliated with or endorsed by any state insurance department, Pearson VUE, PSI or Prometric. Always check current rules with your state's insurance department.
Walk into your Life & Health exam ready
Study a little every day, hands-free when you're busy, and rehearse with mock exams in your state's format.