Is the Kansas Life & Health Exam Hard? Pass Rates and Difficulty (2026)

The Kansas Life and Accident & Health producer exam is not a formality. In the National Association of Insurance Commissioners (NAIC) pass-rate workbooks, 58.8% of candidates passed the combined exam in 2025 and 56.8% in 2024, which means about four in ten did not pass.

The difficulty is structural rather than conceptual. One sitting covers life insurance, accident and health insurance and Kansas law: 154 items in 150 minutes, with a raw 70% needed on the 140 scored items, or 98 correct answers.

The better news: Kansas requires no course before the exam and puts no limit on attempts, so a failed sitting costs you a week and a fee, not your chance at a license.

The NAIC compiles pass rates by state and exam. Kansas reports the combined Life and Accident & Health exam as its own row in both the 2024 and 2025 workbooks:

These figures cover all candidates, and the workbooks publish no repeat-taker rate. The combined exam is the one most Kansas candidates take, and the single-line exams are no easier on these numbers: Life only passed about half its candidates in 2024 and fewer than half in 2025.

1. Breadth in one sitting. Pearson's content outline has twelve sections. Nine general-knowledge sections carry 100 scored items: life products, provisions and underwriting, then accident and health products and provisions, social insurance and field underwriting. Three Kansas law sections carry the other 40. One 70% cut score applies to the whole exam, with no separate pass mark for the life half and the health half.

2. Kansas law is 28.6% of the score. Sections X, XI and XII (18 items common to all lines, 11 on life and 11 on health) tie every topic to a Kansas statute or regulation, and they reward exact rules. A policyholder has at least 10 days to return an ordinary life policy, but a replacing insurer that issues immediately must grant a 20-day unconditional refund right. An individual health policy gets a grace period of at least 7 days on weekly premiums, 10 on monthly and 31 on every other mode.

3. The clock. 150 minutes for 154 items is about 58 seconds per item. The 14 pretest items do not count toward your score, but treat every item as if it does.

No source we reviewed explains why Kansas candidates fail, so this list comes from how the exam is built, not from published data:

1. Leaving Kansas law until last. Forty scored items turn on the Kansas rule itself, and general insurance knowledge only gets you part of the way.
2. Studying only the side you sell. Accident and health policy types and provisions (Sections V and VI) are worth 31 scored items, more than life policy types and provisions (Sections I and II) at 30.
3. Blurring look-alike rules. The 10-day and 20-day refund rights, or the three grace periods, differ by one condition. Learn them as pairs, with the reason for each.
4. Running short of time. Three minutes on one item is the time of three average ones.

• The pass mark is a plain 70%. It is a raw percentage, not a scaled score, set in Kansas regulation (K.A.R. 40-7-13) and repeated in Pearson's candidate handbook. On 140 scored items you can miss 42.
• No pre-licensing course is required. Kansas asks you to be 18, have no ground for denial, pay the fees and pass the exam. See whether you need a pre-licensing course.
• There is no limit on attempts. After a failed sitting you wait at least seven calendar days; the retake rules cover the waits and fees.

1. Study in proportion to the outline. Give Kansas law its own block of time (40 of 140 items) and give the health side as much attention as the life side.
2. Start practice questions early. A wrong answer shows exactly what to re-study. Free sets by topic include life policy types, Kansas life insurance law, accident & health policy types and Kansas accident & health insurance law.
3. Use audio for repetition. Definitions, distinctions and day-counts repeat well by ear, and a commute gives you extra passes through the material.
4. Practice at exam pace. Work question blocks at about 58 seconds per item so the real clock holds no surprise.

LanePrep's Kansas Life & Health course follows Pearson's twelve-section outline. Try Chapter 1 free, no signup, and see whether the audio-first format suits you. For the plan, read our guide to passing on the first try, and see how many questions the exam has.

Pass rates: NAIC compiled state pass-rate workbooks, 2024 and 2025. Format and weights: Pearson's Kansas content outline and candidate handbook. Read October 2026.