Pass Your Life & Health Exam.
The exam's hard enough.
The prep shouldn't cost a fortune.
Study for your insurance license with practice tests, quizzes, flashcards, and a textbook—all built from the official state outline. $99 once. Florida, Texas, California.
Try 5 free questions — no signup
Which of the following best describes ordinary whole life insurance?
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How it works
No courses to unlock. No monthly fee. Just the stuff that's on the test.
Pick your state
Florida, Texas, or California. Content matches that state's exam blueprint.
Pay once
$99. No recurring charge. You own access for as long as you need it.
Study your way
Flashcards, practice questions, and explanations. Desktop or phone.
Pass
Topics and weights match what's on the real exam. No fluff.
What's inside
Everything you need to study and pass—no upsells, no locked content.
12 modules · Same order as the exam
Types of Life Policies & Features
Whole life, term, universal, variable, and annuities.
Life Policy Riders & Provisions
Waiver of premium, grace period, exclusions, and options.
Application, Underwriting & Delivery
HIPAA, FCRA, insurable interest, and contract formation.
Retirement & Other Life Concepts
Group life, MEC, buy-sell, and qualified plans.
Types of Health Policies
Disability, HMO/PPO, long-term care, and major medical.
Health Provisions & Riders
Elimination period, renewability, coordination of benefits.
Social Insurance
Medicare Parts A–D, Medicaid, Social Security, and SSDI.
Other Health Insurance Concepts
COBRA, HIPAA portability, HSAs, and managed care.
Field Underwriting Procedures
Agent responsibilities, risk selection, and suitability.
Florida Statutes — Common to All Lines
Licensing, unfair practices, and regulatory requirements.
Florida Statutes — Life & Annuity
State-specific life and annuity rules and variable contracts.
Florida Statutes — Health Insurance
State-specific health insurance laws and regulations.
Why InsureStart
Built for people who want to pass—without the bloat or the bill.
Follows the actual test
Questions and flashcards are built from the same state-published exam outline the test is based on. Same topics, same weights. No generic filler.
One fee, not $200+
Other prep runs $170–$340 and often limits you to 60 days—then you pay to extend. We're $99 once with unlimited access. No subscription, no tiers.
Flashcards + practice questions
Quick review with flashcards, then exam-style multiple choice with explanations. Study on your phone between shifts or at your desk.
Your state
Pick your state—your selection updates the offer below. Same outline-based content, state-specific law.
Get Florida prep — $99
One-time payment. Unlimited access. No 60-day clock. Add P&C when you're ready.
Get Florida — $99Access until you pass—we don't expire your course.
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