How Many Questions Are on the Kansas Life & Health Exam? Format, Time Limit and Passing Score (2026)

The combined Kansas Life and Accident & Health producer exam (Pearson exam code 12-KS-05) has 154 items: 140 scored and 14 unscored pretest items. You get 150 minutes, the exam fee is $64 and the passing score is 70%. It is given in person at a Pearson VUE test center.

Pretest items are unscored: they sit on the exam but do not count toward your result. Pearson's content outline prints the totals itself, for example "140 scored questions plus 14 pretest questions" for the combined exam. Treat every item as if it counts.

Kansas treats the combined exam and the two single-line exams as interchangeable options. A candidate who wants only one line of authority can sit only that exam, while the combined exam covers both lines in one sitting.

Pearson's Kansas content outline, effective March 1, 2025, divides the 140 scored items into twelve sections:

The nine general-knowledge sections add up to 100 items. The three Kansas law sections add up to 40, or 28.6% of the exam.

The passing score is 70%. Pearson's candidate handbook says so, and K.A.R. 40-7-13(c) independently provides that a person who fails to score at least 70 percent on any examination has failed it. It is a raw percentage, not a scaled score.

On the combined exam, 70% of 140 scored items is 98 correct answers, so you can miss 42. On a single-line exam, 70% of 84 is 58.8, so you need 59 correct. The combined exam produces one score for the whole sitting, with no separate pass mark for the life half and the health half.

150 minutes for 154 items is about 58 seconds per item. A single-line exam allows 90 minutes for 95 items, about 57 seconds each. Candidates for whom English is a second language can request 1.5 times the normal time, which makes the combined exam 225 minutes; it needs a pre-approved letter from an instructor or employer. The combined exam is also offered in Spanish, at test centers only.

Each LanePrep topic set matches part of the outline:

• Section I, 15 items: life insurance policy types
• Section II, 15 items: provisions, riders, options and exclusions
• Sections III and IV, 20 items: underwriting, policy delivery and retirement concepts
• Sections V and VI, 31 items: accident & health policy types, provisions and riders
• Sections VII to IX, 19 items: social insurance, other health concepts and field underwriting
• Section XI, 11 items: Kansas life insurance law
• Section XII, 11 items: Kansas accident & health insurance law

Section X, the 18 items of Kansas law common to all lines, is the largest single section; the practice question hub lists every free set. Then see how hard the exam really is, and try Chapter 1 free.

Format, fees and weights: Pearson's Kansas candidate handbook and content outline. Read October 2026.