25 Free Kansas Life & Health Exam Practice Questions (2026)

Kansas tests Life and Accident & Health together on one combined exam, Pearson VUE's KS Life and Accident & Health Producer exam (12-KS-05): 154 items, 140 scored plus 14 unscored pretest items, in 150 minutes for $64. You need 70 percent to pass, and the whole exam produces one score, so you cannot pass the life half and fail the health half separately. The exam is taken in person at a Pearson VUE test center: Pearson Professional Test Centers in Hays, Overland Park, Topeka and Wichita, plus additional Kansas testing locations at Emporia, Independence, Fort Riley, Pittsburg, Garden City and Salina, and candidates may also test at any Pearson VUE test center in the US. A candidate who wants only one line can book a single-line exam instead, Life (12-KS-01) or Accident & Health (12-KS-02), each with 95 items, 84 scored plus 11 pretest, in 90 minutes for $57. This course follows the combined exam.

Pearson VUE's content outline for the combined exam has twelve sections. Nine cover general knowledge and are worth 100 scored items. The four life sections are Types of Policies at 15, Life Provisions, Riders, Options and Exclusions at 15, Completing the Application, Underwriting and Delivering the Policy at 12, and Retirement and Other Insurance Concepts at 8. The five accident and health sections are Types of Policies at 16, Policy Provisions, Clauses and Riders at 15, Social Insurance at 6, Other Insurance Concepts at 5 and Field Underwriting Procedures at 8. The last three sections cover Kansas law and are worth 40: 18 items on statutes and regulations common to all lines, 11 on life only and 11 on health only. The current outline took effect on March 1, 2025.

The 25 questions are drawn from LanePrep's Kansas Life & Health quiz bank and spread across Chapters 1-8 in line with the chapter weights: 3 from Chapter 1, 3 from Chapter 2, 3 from Chapter 3, 4 from Chapter 4, 2 from Chapter 5, 5 from Chapter 6, 3 from Chapter 7, and 2 from Chapter 8. The eight chapters are LanePrep's own grouping, not Pearson VUE's sections: Chapters 2-4 teach the life general knowledge sections, Chapters 6 and 7 the accident and health general knowledge sections, and Chapters 1, 5 and 8 the Kansas law sections. Weighted by the 140 scored items, the eight chapters carry 18, 15, 15, 20, 11, 31, 19 and 11 in that order. Chapter 6 on accident and health policy types, provisions and riders is the heaviest and supplies five of these questions. Every question is labeled with its chapter, so each miss points you to the chapter to revisit.

Some exam-day rules should shape your practice. Of the 154 items, 14 are unscored pretest items, and nothing on the screen tells you which ones, so treat every question as scored and do not burn minutes on one you cannot crack. If you fail, you must wait at least 24 hours before scheduling a retest and at least seven calendar days before you can sit it, and there is no limit on the number of attempts. To keep your fee, change or cancel at least 48 hours before the exam.

A passing result stays usable for two years from the exam date. Kansas does not require a pre-licensing course, and the Kansas Department of Insurance's own Producer Examinations page says you can take the licensing exam without buying exam preparation materials or joining a study course. Initial resident applicants are fingerprinted for a criminal history check, a standard step of the application, and pay a $60 background-check fee. The application fee is $10 in 2026; the Commissioner of Insurance sets it each year. For perspective, the NAIC reports pass rates for the combined exam of 56.8 percent in 2024 and 58.8 percent in 2025, counting all candidates and both testing modes together.

Answer each one before you open the explanation. The explanation is folded underneath every question. A guess you have to defend sticks better than an answer you only nod along with.

Chapter 1 opens the set with licensing: what a candidate must complete before the exam, what an insurer must file before a new producer can act for it, and what a duplicate license costs. Chapter 2 moves into life products, starting with the whole life policy that offers level premiums for life, a guaranteed death benefit and cash value, and then the annuity payout that keeps paying while either of two spouses is alive and still guarantees a minimum payment period.

Chapter 2 closes with what a variable whole life policy actually guarantees. Chapter 3 then turns to riders, options and provisions: the rider for an insured who fears losing the ability to keep a whole life policy in force if she becomes disabled, the settlement option for a beneficiary who wants to preserve the principal and receive only the earnings, and what the Entire Contract provision stops an insurer from relying on. Chapter 4 begins with who must sign a life insurance application when the applicant is insuring someone else.

Chapter 4 continues with underwriting and ownership: what the Medical Information Bureau is and is not, what to call a policy that a grandfather buys on his granddaughter's life, and what a producer must do when an applicant offers to prepay premiums with a series of money orders, each just under a limit. Chapter 5 opens Kansas life law with the regulation that decides when a transaction counts as a replacement, then asks when a viatical settlement provider must release the money to the person who sold the policy.

Chapter 6 is the heaviest chapter, worth 31 of the 140 scored items, and all five of its questions in this set fall here. It starts with what a Business Overhead Expense policy pays for, then covers two mandatory provisions: who bears the cost of a physical examination or autopsy, and how many days an insurer has to supply claim forms after a notice of claim. The last two questions cover the disability income option that lets an insured buy more coverage without a medical exam, and the long-term care benefit that pays for care while a family caregiver is away.

Chapter 7 covers social insurance and other health concepts: which part of Medicare pays for an inpatient stay, what an insurer calls a review of a hospital stay while it is still in progress, and how a warranty differs from an ordinary application statement. Chapter 8 on Kansas accident and health law closes the set with when coverage for a newborn must begin and which benefit every Medicare supplement Plan A includes.

Inventing licensing hurdles that Kansas does not have. Kansas has no pre-licensing education requirement. K.S.A. 40-4905 lists what an applicant must satisfy: at least 18 years of age, no grounds for denial, payment of the application fee and a passing score on the exam for each line of authority. A course is not on the list, so the classroom hours and the certificate of completion in the distractors of question 1 are invented. Question 2 turns on who acts before a new producer can sell for a company: the insurer files a notice of appointment with the Commissioner of Insurance (K.S.A. 40-4912), and the appointment fee is the insurer's cost, not the producer's. In-house training, a labor-department registration and a surety bond are not the step. Question 3 is a plain fee fact: a duplicate license costs $10 per document under K.A.R. 40-7-19, the same fee charged for a license record or a clearance letter. It is not free, and it is not a variable fee.

Confusing whole life, variable whole life and the annuity payouts. Ordinary Whole Life is the match when a stem asks for level premiums for life, a guaranteed death benefit and cash value the owner can use later. Annually Renewable Term and Decreasing Term build no such savings, and Variable Universal Life does not promise level premiums or a guaranteed cash value. In question 5, income for as long as either spouse lives points to a joint and survivor payout, and the promise that payments continue for the rest of a minimum period if both die early is the period certain feature, so the answer joins the two. Life with Period Certain covers one life, and Life Only and plain Joint and Survivor promise no minimum period. In question 6, a Variable Whole Life policy guarantees only a minimum death benefit. The cash value and the growth rate move with the separate account, and a prospectus is still required.

Picking the nearest-sounding rider, option or provision. The Waiver of Premium rider waives future premiums if the insured becomes totally disabled, so the policy stays in force without the owner paying. A Guaranteed Insurability rider is a right to buy more coverage later, the AD&D rider pays for accidental death or dismemberment, and a Cost of Living rider adjusts the death benefit. Under the Interest Only option the insurer keeps the proceeds and pays the interest at regular intervals, so the principal stays intact for a later withdrawal or payout. Fixed Period and Life Income pay the principal out over time, and a lump sum ends the arrangement. The Entire Contract provision makes the policy and the attached application the whole agreement, so the insurer cannot refer to documents or bylaws that are not physically attached. Raising a term premium, denying an early claim and charging interest on a policy loan are different matters.

Mixing up signatures, bureau records, ownership and the money-laundering duty. When a policyowner insures someone else, such as a spouse, the application needs three signatures: the producer as witness, the applicant who will own the policy and the proposed insured. Two of the three are not enough. The Medical Information Bureau is a non-profit trade association that keeps medical impairment information on applicants for its member insurers. It is not a government agency, it does not give full medical records to any producer who asks, and it does not decide whether an applicant is accepted. Third-party ownership means the policyowner and the insured are different people, as when a grandfather owns a policy on his granddaughter. An applicant who prepays premiums with a series of money orders, each just under a reporting threshold, is structuring payments, a red flag under the USA PATRIOT Act and anti-money-laundering rules, and the producer reports it. Accepting the money because the total stays under a limit, refusing because money orders are not legal tender and waiting until after issue are not the duty.

Misclassifying a replacement and misplacing the viatical deadline. Under K.A.R. 40-2-12, a transaction is a replacement when the producer knows or should know that an existing policy will be lapsed, surrendered or reissued to release cash value for the new policy. Using the cash value of an existing policy to pay the first premium on a new one is exactly that, not an amendment, a conversion or a non-qualified transfer. Replacement also changes the refund right. The ordinary free look is 10 days from delivery, but when a replacing insurer issues the policy without waiting out the notice period, the policy or a separate notice must give the applicant an unconditional refund of all premiums for 20 days after delivery. That is longer than the ordinary free look, not shorter. In question 15 the viatical settlement provider holds the proceeds in an escrow or trust account, and the clock for releasing them to the viator, the person who sold the policy, starts when the provider receives the insurer's acknowledgment of the transfer. It does not start with the death certificate or the viator's signed contract, and no waiting period set by another agency applies. The rule sits in the viatical settlements statutes, K.S.A. 40-5000 through 5016.

Over-reading what a policy covers and which clock applies. A Business Overhead Expense policy pays the actual overhead that keeps a business running while the owner is totally disabled, such as the monthly rent for the office. It does not replace the owner's personal salary, pay a hired replacement or buy inventory for resale. The Physical Examination and Autopsy provision lets the insurer examine the insured while a claim is pending and perform an autopsy where the law does not forbid one, and the insurer bears the cost of the examination, not the insured, the insured's estate or the Kansas Department of Insurance. Both this provision and the Notice of Claim rule are mandatory uniform provisions of K.S.A. 40-2203. After a notice of claim the insurer must furnish the claim forms within a short, fixed number of days, and the explanation under question 18 gives the exact count. Do not borrow the grace period numbers from the same statute: not less than 7 days for weekly premiums, 10 days for monthly premiums and 31 days for all other premium modes.

Misreading riders and long-term care benefits. A Future Increase Option, also called Guaranteed Insurability, lets a disability income insured buy more monthly benefit at set ages or milestones without proving medical insurability, but the insurer still checks that current income supports the larger benefit. It is not a right to any increase regardless of income, it does not demand a new medical exam, and it is not limited to the period after a disability begins. In long-term care, respite care pays for the insured's care in a facility or in the home for a short period so that the primary caregiver can have a break. Adult day care, custodial care and home health care describe other settings or levels of care, so a week in a professional care facility while the daughter attends a conference is respite care.

Assigning the wrong Medicare part, review type or application statement. Medicare Part A is hospital insurance: it covers inpatient care, including a semi-private room, meals and general nursing. Part B covers outpatient and medical services, Part C is Medicare Advantage and Part D is prescription drug coverage. A review of a hospital stay while it is still in progress, to decide whether the continued stay is medically necessary, is concurrent review. Prospective review, also called pre-certification, happens before treatment, and retrospective review happens afterward. A warranty is a statement guaranteed to be true in every respect, so a breach can void the contract regardless of materiality. Most application statements are representations, true to the best of the applicant's knowledge and belief, and warranties are not limited to group contracts.

Adding a waiting period to newborn coverage and misreading Plan A. Under K.S.A. 40-2,102, an individual or group health policy in Kansas that covers a family member of the insured must cover a newborn immediately, from the moment of birth. A waiting period, a start on the first day of the next month and a requirement of a formal application and first premium before coverage begins are not part of that rule. In question 25, Medicare Supplement Plan A holds the core benefits that every Medigap plan includes under K.A.R. 40-4-35 and the federal standards: Part A coinsurance for the longer hospital stays, the additional lifetime hospital days, Part B coinsurance and the first pints of blood each year. The Part A deductible, the Part B deductible and skilled nursing facility coinsurance are not Plan A core benefits.

How did you score?

20 or more correct: That is a strong showing across all eight chapters. Move on to the two deeper sets: the Life insurance exam set and the Health insurance exam set, then read how to pass the Kansas Life & Health exam on the first try for the full study plan.

12-19 correct: You have a solid base, but 25 questions stand in for a combined exam of 140 scored questions, so a good result here is not a pass yet. Write down the chapter of each miss and replay that chapter's audio lesson before you start the deeper sets above.

Under 12 correct: More questions will not help yet; the material will. Start with the free preview at /ks/l-and-h/preview and work through the audio chapters in order before testing yourself again.

For the full cost picture beyond the exam fee, including the $10 application fee in 2026, the $60 background-check fee, the 18 hours of continuing education every two years (3 of them in ethics) and the $4 renewal fee, with renewal due by the last day of your birth month, see how much a Kansas Life & Health license costs. The LanePrep Kansas Life & Health course preview is a click away whenever you're ready to go deeper.

Exam structure, fees, retake and cancellation rules and content outline item counts from Pearson VUE's Kansas Insurance Licensing Candidate Handbook (publication 121700, July 2026) and Kansas Insurance Content Outlines (publication 121703, effective March 1, 2025); passing score from K.A.R. 40-7-13; application and background-check fees from the Kansas Register notice of fee amounts (Vol. 44, No. 47, November 20, 2025); continuing education and renewal from K.S.A. 40-4903; free-look periods from K.A.R. 40-2-15 and 40-2-12; newborn coverage from K.S.A. 40-2,102; pass rates from the NAIC compiled pass-rate workbooks for 2024 and 2025. Read October 2026.