MN Life & Health
Minnesota Life & Health Insurance License Exam
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ExploreAbout this exam
The Minnesota Life & Health insurance producer license qualifies you to solicit, negotiate, and sell life insurance and health insurance products in Minnesota, and it is the credential most people pursue when they want to work as an agent, broker, or producer in the state. Candidates typically include career changers entering insurance sales, agency staff who need to be licensed to discuss products with clients, and employees of carriers or brokerages who advise on life, annuity, accident and health, disability income, and long-term care coverage. The licensing exam is delivered through Pearson, which now operates under the Pearson Professional Assessments name following a brand update; you may encounter a mix of old and new branding while pages are updated. The exam is multiple choice and is organized around eight content areas: life insurance basics and policy types; life policy provisions, riders, and options; annuities and retirement products; health insurance basics and medical expense coverage; disability income and long-term care; health policy provisions and managed care; Minnesota insurance law and regulations; and producer licensing, marketing, and ethical practices. Preparation generally combines a state-approved prelicensing course, a current exam content outline obtained from the testing vendor's program page, and repeated practice with multiple-choice questions in each of the eight areas, with extra time reserved for Minnesota-specific statutes and regulations.
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About MN Life & Health preparation
What is the format of the Minnesota Life & Health exam?
It is a multiple-choice licensing exam administered through Pearson, now branded Pearson Professional Assessments. Because program pages and outlines are revised periodically, confirm the current number of items, time allowance, and passing score on the official program page or with the program's customer service team before you schedule.
How many questions are on the exam and how long do I get?
Those figures are not published in the source material available here, so treat any number you see on a forum as unverified. Log in to your Pearson account or check the program page listed in the A-to-Z exam program directory for the authoritative item count and appointment length.
What score do I need to pass?
The passing standard is set by the Minnesota program and is not stated in the source material used for this page, so no number is given here. Your score report will show whether you passed; your program page will explain how the score is calculated and reported.
How hard is the exam, and what trips people up?
Candidates most often struggle with Minnesota-specific statutes and regulations, which reward memorization of state rules rather than general insurance knowledge, and with health policy provisions that are easy to confuse with life provisions. Weak spots also include annuities settlement options and disability income definitions of total disability.
If I fail, can I retake it, and how soon?
Retake rules, waiting periods, and any additional fees are set by the Minnesota program and are not stated in the source material here. Check your program page or contact program-specific customer service for the current retake policy before assuming you can rebook immediately.
In what order should I study the eight content areas?
Start with life basics and policy provisions, then annuities, since annuity material builds on life concepts. Move to health basics, medical expense coverage, then disability income and long-term care. Finish with Minnesota law and producer ethics, which are easiest to retain when studied close to your test date.
Do I need a prelicensing course in Minnesota?
Prelicensing requirements, accepted course formats, and hour requirements are governed by Minnesota law and are not described in the source material used here. Verify the current requirement on the state insurance department's licensing page or the exam program page before purchasing any course.
How do I schedule, reschedule, or cancel my appointment?
Create or log in to your Pearson account and locate your exam program through the A-to-Z program list, where you can schedule an appointment, find a test center or check online testing availability, and reschedule or cancel. Program-specific rules and fees are listed on the program's own page; contact customer service if unsure.
Why do some pages show Pearson VUE and others Pearson Professional Assessments?
Pearson recently updated its brand, and Pearson VUE is now known as Pearson Professional Assessments. Because updating takes time, a mix of old and new branding may appear. Credentialing programs, exam development, and secure test delivery are unchanged, so either name points to the same testing organization.