Alaska Life & Health Exam Overview

Alaska Life & Health Insurance State

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1 Introduction: Alaska Life & Health Insurance Exam Overview

Alaska Life & Health Exam Overview

2 Chapter 1: Alaska Insurance Regulation & Licensing

1.1 Alaska Division of Insurance 1.2 Alaska Producer Licensing Requirements 1.3 License Maintenance and Continuing Education

3 Chapter 2: Alaska Life Insurance Laws

2.1 Alaska Life Insurance Policy Requirements 2.2 Alaska Annuity Regulations 2.3 Alaska Replacement Rules

4 Chapter 3: Alaska Health Insurance Laws

3.1 Alaska Health Insurance Policy Requirements 3.2 Alaska Medicare Supplement (Medigap) Regulations 3.3 Alaska Disability and Long-Term Care Insurance

5 Chapter 4: Alaska Insurance Ethics & Prohibited Practices

4.1 Unfair Trade Practices 4.2 Producer Conduct and Fiduciary Duties 4.3 Alaska Life and Health Insurance Guaranty Association

Alaska Life & Health Exam Overview

Key Takeaways Explain This Topic AI

Alaska does NOT mandate pre-licensing education hours, but you still must pass a Pearson VUE exam with a scaled score of at least 70

Each line (Life, Health) is split into a 50-question general portion (75 minutes) plus a 50-question Alaska state portion (60 minutes); 10 unscored pretest questions are added to each general portion

The exam fee is $89, and you may sit for up to two lines in one appointment for that single fee

Resident licensing costs $75 for the producer application plus a $48.25 fingerprint fee, applied through NIPR after a passing result

Renewal is biennial on the last day of your birth month and requires 24 CE hours including 3 ethics hours, with up to 8 excess hours carried forward

Last updated: October 2026

About the Alaska Life & Health Exam

Welcome to ExamFinch's FREE Alaska Life & Health (L&H) prep guide. The Alaska producer licensing examination is built and delivered by Pearson VUE (the testing vendor) under contract with the Alaska Division of Insurance , a unit of the Department of Commerce, Community, and Economic Development (DCCED). Pearson VUE writes the questions, runs the test centers, offers remote OnVUE online proctoring, and reports your result to the Division electronically.

A producer is the licensed individual who solicits, negotiates, or sells insurance. Alaska issues line-specific authority, so the Life line and the Health line are separate exams you can take individually or together in one appointment.

What the exam tests

Each line blends two content domains. The general portion covers nationally uniform insurance theory; the state portion covers Alaska statute (Alaska Statutes Title 21) and the Alaska Administrative Code (3 AAC). Expect heavy weighting on:

• Life insurance types: term, whole life, universal life, and variable contracts
• Annuities, retirement products, and suitability rules
• Health coverages: major medical, disability income, long-term care (LTC), and Medicare supplements
• Alaska licensing law, the Unfair Trade Practices Act, and the Guaranty Association
• Producer ethics, fiduciary duty, and prohibited practices
• Why Alaska's market shapes the test

Alaska's roughly 731,000 residents are spread across vast, road-less terrain, so the Division emphasizes consumer protection in remote markets where one or two carriers may dominate. Questions often probe replacement disclosure, free-look rights, and claim-handling timelines because isolated policyholders have fewer alternatives if a sale goes wrong. Treat every "what must the producer disclose" item as an Alaska consumer-protection question first.

Exam tip: When a question gives both a national rule and an Alaska-specific number, the Alaska number wins on the state portion. Memorize Alaska's free-look (life), replacement, and Guaranty Association limits — they are the differentiators between a 68 and a 72.

Exam Structure, Scoring, and Fees

Alaska splits each line into a general portion and an Alaska state portion , each separately timed. Pearson VUE reports one scaled score for the exam, and a candidate who fails must retake the entire exam (both parts).

• Component General portion Alaska state portion
• Scored questions 50 about 40
• Unscored pretest questions 10 about 10 (roughly 20% of Part 2)
• Total items presented 60 50
• Time allowed 75 minutes 60 minutes
• Format Multiple choice (4 options) Multiple choice (4 options)

Taken as a full line, Life or Health therefore presents about 110 items with ~90 scored across roughly 2 hours 15 minutes of seat time — the combined figure you will see quoted elsewhere. Both views are correct; the per-portion table is what Pearson VUE actually administers.

Scoring you can trust

Alaska uses scaled scoring : your raw correct count is converted to a scale where 70 equals passing . A failing report shows a diagnostic by topic so you know where to restudy. Pretest questions are seeded among scored items, are indistinguishable, and never count — so answer every question.

Fees at a glance

• Item Amount Paid to
• Exam fee (per appointment) $89 Pearson VUE
• Second line in same session $0 extra Pearson VUE
• Fingerprint / background check $48.25 Approved vendor / Division
• Resident producer application $75 Via NIPR

Worked example: Maria wants both Life and Health. She books one Pearson VUE appointment, pays a single $89 , and sits all four portions back to back. After passing, she pays $48.25 for fingerprinting and $75 to NIPR for the license — total out of pocket about $212.25 , versus paying $89 twice if she had booked separate appointments.

Common trap: candidates assume "70%" means 70 raw questions correct on a 100-item test. It does not — scoring is scaled, and 70 is neither the number nor the percentage of questions you answered correctly. If you fail, you retake both parts.

No Mandatory Pre-Licensing — and Why That Is a Trap

Unlike most states, Alaska requires zero hours of pre-licensing education to sit for the L&H exam. There is no course to register, no state-approved provider list, and no completion certificate to upload. You apply, fingerprint, schedule, and test.

That freedom is a double-edged sword. You save the $200-$400 most states force candidates to spend on classroom hours, but you also lose the structure that pushes people through the material. The exam is not easier in Alaska — the question bank is the same national content plus Alaska law.

Recommended self-study plan

• Phase Hours Focus
• Foundations 15-20 National life, health, annuity, and tax basics
• Alaska law 10-15 Title 21 statute, 3 AAC, Guaranty Association, UTPA
• Practice testing 15-25 Timed quizzes until you score 80%+ consistently

Most candidates who pass invest 40-60 hours . The single biggest predictor of failure is underestimating the state portion because no one assigned it.

Exam tip: Do not stop drilling at a 70% practice score. Build a 10-point cushion — aim for a steady 80%+ before scheduling, because test-day nerves and unfamiliar wording typically shave several points off your practice average.

From Exam to License: The NIPR Application Path

After you pass, licensure runs through the National Insurance Producer Registry (NIPR) , the electronic gateway the Division of Insurance uses for resident producer applications.

Step-by-step

Pass the exam — Print or save the Pearson VUE score report; the Division receives results electronically.

Get fingerprinted — First-time Alaska resident applicants must complete a fingerprint-based criminal background check using an FBI FD-258 card through an approved vendor; the fee is $48.25 .

Apply through NIPR — Submit the resident producer application, pay the $75 fee, and select your lines (Life, Health, or both).

Background review — The Division reviews results; disclose any criminal or regulatory history truthfully, because nondisclosure is itself grounds for denial.

License issued — Apply within 12 months of passing or the exam result expires and you must retest.

License maintenance

• Requirement Detail
• Term Biennial (2 years)
• Renewal deadline Last day of your birth month
• CE hours 24 hours every 2 years
• Ethics hours 3 of the 24 must be ethics
• Carryforward cap Up to 8 excess hours roll to the next term
• Course repeat rule A given course counts once per 2-year term

Worked example: A producer born in March renews by March 31 of the renewal year. She completes 24 CE hours — including a 3-hour ethics course — and has 6 extra general hours; up to 8 of those excess hours carry into the next cycle, but the same course cannot be repeated for credit within one term.

Common trap: the renewal date keys to your birth month , not your original license date. Producers who assume a fixed anniversary often miss the deadline and face reinstatement steps.

Alaska Division of Insurance contacts

• Resource Detail
• Website commerce.alaska.gov/web/ins
• Address 550 W 7th Ave, Suite 1560, Anchorage, AK 99501
• Phone (907) 269-7900
• Toll-free (800) 467-8725

The rest of this guide drills Alaska-specific law — regulation and licensing, life rules, health rules, and ethics — so you master the state portion that decides borderline scores.

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