Study for the life & health insurance exam
in pictures, one topic per page.
An illustrated guide to the general-knowledge part of the exam (policies, riders, annuities, taxes, health plans, Medicare, ethics) and a practice book of 300 original questions where every answer is explained. eBook or printed.
Both books on the desk, the PDF on the phone for short breaks · $89.99
Not a wall of text. One topic, one page.
Every page works the same way: see the idea, read it in plain English, lock it in with a short trick, and know where the exam tries to trip people up.
This is what the pages look like.
For adults starting a career in insurance.
Years since the last exam
Pages that explain each idea from zero, in plain English, with the words the exam uses printed in bold.
A course, then the exam
Next to the state's required pre-licensing course, the guide is the picture version to review the night before, and the practice book is the test run.
Find the rule that slipped
Each explanation names the confusion behind a wrong answer and sends the reader back to the exact guide page.
Three things the exam keeps coming back to.
They are in every state's outline. The book explains each one with a diagram and the official source.
Adhesion, aleatory, unilateral
Representation or warranty, cancelable or guaranteed renewable, owner or annuitant. The exam asks for the exact word, so the book puts them side by side.
When life insurance is taxed
The death benefit generally isn't income. A withdrawal from a MEC is taxed gain-first, with a 10% additional tax before 59½. A 1035 exchange moves money without tax, but not from an annuity to life insurance.
Medicare, Medigap, LTC
Part B costs $202.90 a month in 2026. Medigap has a 6-month open enrollment. Tax-qualified long-term care starts when 2 of 6 daily activities can't be done for 90 days.
Every life policy in one table.
Premium, death benefit, cash value and who carries the investment risk, for each type the outlines name.
- Level, decreasing, annually renewable and return-of-premium term
- Whole, limited-pay and single premium
- Universal, indexed, variable and variable universal
- Joint first-to-die and survivorship policies
Policy provisions, on a timeline.
Free look, grace period, incontestability, reinstatement: each one placed at the moment it applies.
- Entire contract, insuring clause, consideration, owner's rights
- Misstatement of age, worked out with real arithmetic
- Waiver of premium, guaranteed insurability, payor, accelerated benefits
- Nonforfeiture options, dividends and settlement options (Chapter 7)
Annuities: build it, then pay it out.
Two phases on one diagram, then the options for paying it out and what happens when someone dies early.
- Immediate and deferred, single and flexible premium
- Fixed, variable and indexed: who carries the risk
- Life only, period certain, refund, joint and survivor
- The best-interest standard: care, disclosure, conflict of interest, documentation
The tax rules on one page.
Each rule with its Internal Revenue Code section, so the reader knows it is the same in every state.
- Death benefits, transfer for value, installment interest
- Group term life: the cost above $50,000
- The 7-pay test and the MEC "gain first" rule
- Annuity withdrawals, the 10% additional tax before 59½, 1035 exchanges
Health plans, Medicare and long-term care.
Major medical, disability income, Medicare supplements and LTC, with the 2026 amounts from CMS and the IRS.
- One medical bill followed through deductible, coinsurance and the cap
- HMO, PPO, POS, and HSA limits for 2026
- Medigap letters, open enrollment, the 2020 rule for Plans C and F
- Disability income: elimination period, benefit period, own vs any occupation
300 questions, and why each answer is right or wrong.
Two practice exams of 150 questions, written for this book. Each explanation covers all four options and points back to the guide page.
- Practice Exam A and Practice Exam B, 150 questions each
- A topic tag on every question, to see which chapter needs another look
- A score tracker by topic at the end
- Original questions: never copied from a testing vendor
Short sessions after work.
One page is one topic. A chapter fits in an evening, and a page fits in a lunch break on the phone.
- Same layout on every page, so the eye knows where to look
- The exam's own words printed in bold
- Sources on every page, rechecked each year
The illustrated guide and the practice book.
Full table of contents
On screen, on paper, or both.
Color PDF, right after payment
The guide and the practice book on a phone, tablet or computer. Print the worksheet and the answer sheets as often as needed.
Two spiral-bound books
The guide (224 pages) and the practice book (112 pages). Free US shipping, about 5–8 business days. Want both? Printed + eBook for $89.99.
The state part, built from the state's own outline.
No national book can hold 50 state codes accurately. Chapter 16 shows where to download the free official outline and gives a worksheet to turn it into study pages.
- Where each big state's exam is run: PSI or Pearson VUE
- A worksheet for licensing rules, grace periods, free look, replacement and unfair practices in that state
- Cram sheets for the last week
See 10 real pages, free.
The exam at a glance, contract law, life policies, provisions, annuities, taxes, major medical, Medicare and Medigap, federal law and ethics, and a page of the practice book. Read them and decide with the pages in front of you.
See the 10 pages ↓
How is it different?
| What it has | This bundle | Official handbook + outline | Exam prep books | Pre-licensing course |
|---|---|---|---|---|
| Explains the general-knowledge topics | ✓ | Lists them only | ✓ | ✓ |
| Illustrated pages, one topic per page | ✓ | — | Mostly text | Varies |
| Every practice answer explained | ✓ (300) | — | Varies | Varies |
| Your state's law | Worksheet built from your outline | ✓ The outline | Some state editions | ✓ For its state |
| Counts toward required pre-licensing hours | ✗ | — | ✗ | ✓ Where approved |
| Price | From $39.99 | Free | About $20 to $45 | Varies |
Start studying tonight.
Pay once
Secure checkout, no account, no subscription. One payment.
Open the eBook
With the eBook, the download link arrives by email. Phone, tablet or computer.
The books arrive
With the printed format, both spiral-bound books ship free to a US address.
The whole general-knowledge outline, drawn and explained.
- Illustrated guide: 224 color pages, 16 chapters
- Practice book: 300 original questions, every answer explained
- Life policies, riders, annuities, taxes, health plans, Medicare, LTC, ethics
- 2026 federal numbers, each with its official source
- A worksheet to build your state's law part from its official outline
- Printed: two spiral-bound books that lie flat, free US shipping
What people ask before buying
Will this make me pass?
No book can promise a result. The guide explains the general-knowledge topics that appear in the state content outlines, and the practice book shows where the gaps are. Passing depends on study, on the state-law part and on the exam day.
Does it cover my state's law?
Not line by line, and we say so on purpose: the state part comes from each state's insurance code. Chapter 16 shows where to download your state's free official outline and gives a worksheet to build that part. In Texas, for example, 30 of the 130 scored questions are on Texas law.
Does it count toward pre-licensing education hours?
No. Many states require an approved pre-licensing course (New York, for example, requires 40 hours for life and health; California requires a 12-hour ethics and Insurance Code course). This bundle is a study aid to use alongside it.
Are these the real exam questions?
No. All 300 questions are original, written for this book in the style of the exam. Exam questions belong to the states and testing vendors, and candidates are not allowed to copy them.
Which states and testing vendors does it fit?
The general-knowledge part is shared across states. The book was built on the outlines of Texas, Florida, Georgia and Illinois (Pearson VUE) and California and New York (PSI). Exams in other states, including those run by Prometric, cover the same core topics; check your state's handbook for the exact list.
Are the numbers up to date?
The 2026 federal figures (Medicare, HSA limits, tax rules) were checked on November 6, 2026 against CMS, the IRS and the Internal Revenue Code, and each page shows its source. They change every year, so the guide is reviewed every year.
Does it cover variable products?
It explains variable life and variable annuities as the life and health outlines describe them. Selling them also requires a securities registration through FINRA, which has its own exams and is not covered here.
Is there a Spanish edition?
Not yet. The book is in English. Some states, such as Texas, Florida and California, offer the exam in Spanish.
Are you affiliated with a state or a testing company?
No. We are not affiliated with or endorsed by any state department of insurance, PSI, Pearson VUE, Prometric or the NAIC.
Can I read it on my phone?
Yes. The eBook is a color PDF that opens on a phone, tablet or computer.
When do the printed books arrive?
Shipping is free to US addresses and takes about 5–8 business days. The eBook arrives by email right after payment.
What if it's not right for me?
There's a 30-day guarantee. Write to us within 30 days and we'll refund you. No questions, no forms.
Ready to see the whole exam, one page at a time?
224 illustrated pages, 300 questions with every answer explained, a worksheet for your state's law. 30-day guarantee.
From $39.99 · eBook or printed