How to Pass the Utah Life & Health Exam on the First Try (2026)

Utah does not force every Life and Accident & Health candidate through one exam. You can sit one combined exam that covers both lines of authority, or two separate single-line exams — whichever path gets you the license you need.

The combined exam, Prometric Series 17-03 (Utah Producer's Combined Life, Accident and Health Exam), has 150 items in 2.5 hours (150 minutes), for $44. The two single-line exams — Series 17-01 (Life) and Series 17-02 (Accident and Health) — each have 100 items in 2 hours, also for $32 per attempt.

Every version is delivered by Prometric, at any Prometric test center nationwide or through Prometric's ProProctor remote-proctoring option — your choice, at no difference in fee.

The Utah Insurance Department sets the passing standard for the exam. It is not printed as a plain number anywhere in the materials LanePrep could verify against a primary source, so this guide does not quote one. What you will see is your score report at the end of the exam, broken down section by section, which tells you directly whether you passed.

A candidate who wants both lines of authority can sit the combined exam once for $44, or sit the two single-line exams separately for $32 each — $64 total. The combined exam saves $20 over the two-exam path, about 31 percent, and it is also one appointment instead of two.

If you only need one line — say, you sell life insurance but never accident and health business — sit only that line's single-line exam. There is no advantage to paying for the combined exam, or studying content you will never be tested on, if you do not plan to hold both lines.

Whichever path you choose, prepare from the outline for the exam you are actually sitting: the combined exam's 16-section outline if you want both lines, or the matching single-line outline (8 sections for Life, 10 for Accident and Health) if you only need one.

Neither line requires a pre-licensing course. Utah Code § 31A-23a-105(1)(b), which lists the requirements for issuing or renewing an individual producer license, names the application, character requirements, continuing education, examination requirements, training-period requirements, an errors-and-omissions compliance certification, no disqualifying acts, paid fees, and (for nonresidents) home-state compliance — an enumerated list with no pre-licensing-education clause anywhere in it.

A related statute, § 31A-23a-104(2)(b), lists what a license application itself must contain — including the applicant's personal history, experience and education. That is disclosure on a form, not completion of a prescribed course, and it does not change the answer above.

§ 31A-23a-203, the chapter's own "Training period requirements" section, does not apply to Life or Accident and Health producers at all. Its narrow training conditions are reserved for surplus lines producers, consultants, and property-line producers who want to sell National Flood Insurance Program coverage; subsection (4) states flatly that those training periods "apply only to an individual applying for a license under this chapter" for those specific categories.

The Utah Insurance Department says the same thing directly, on its own exam-procedures page: "Utah has no pre-licensing requirements for licensure. As such, the Department does not offer any study materials or aids for the exams." Prometric's own current Licensing Information Bulletin agrees: "The Utah Insurance Department does not require you to complete a training course before you take a Utah insurance examination. Use materials or complete education of your own choosing that you believe will best prepare you for the examination."

NAIC compiles first-time, English-language pass rates by state and exam. Across the two most recently compiled years:

• Combined exam (Series 17-03): 54.2% in 2024 (1,924 of 3,550 candidates) and 71.3% in 2025 (1,679 of 2,354) — roughly 54-71 percent across the two years.
• Life (Series 17-01): 51.1% in 2024 (1,093 of 2,137) and 66.2% in 2025 (1,229 of 1,856) — roughly 51-66 percent.
• Accident and Health (Series 17-02): 65.5% in 2024 (357 of 545) and 76.8% in 2025 (322 of 419) — roughly 66-77 percent.

Read plainly: on the Life exam, roughly a third to half of first-time candidates did not pass across these two years; on the combined exam and on Accident and Health, the miss rate ran from close to a quarter up to nearly half. This is not a formality to walk into unprepared.

One honest caveat belongs here. Candidate volume fell on every one of these rows from 2024 to 2025 (Life down about 13 percent, Accident and Health down about 23 percent, the combined exam down about 34 percent) at the same time every pass rate rose sharply (Life up about 15 points, Accident and Health up about 11 points, the combined exam up about 17 points). That simultaneous volume-down, pass-rate-up pattern is large enough that it should not be read as "the exam got easier" or "candidates got better prepared" without NAIC, Prometric or the Department confirming whether a reporting-window or methodology change between the two compiled years explains it. Treat the ranges above, not a single year's number, as the honest picture.

Prometric's Series 17-03 content outline lists 16 sections for the combined exam, each with a stated percentage weight; the percentages add up to exactly 100 percent. The outline does not print an absolute item count per section — several percentages, such as 1% of 150, do not resolve to a whole number of items:

• 1. Insurance Regulation — 7%
• 2. General Insurance — 5%
• 3. Life Insurance Basics — 7%
• 4. Life Insurance Policies — 7%
• 5. Life Insurance Policy Provisions, Options and Riders — 9%
• 6. Annuities — 9%
• 7. Federal Tax Considerations for Life Insurance and Annuities — 7%
• 8. Qualified Plans — 4%
• 9. Accident and Health Insurance Basics — 12%
• 10. Disability Income and Related Insurance — 2%
• 11. Medical Plans — 10%
• 12. Group Accident and Health Insurance — 10%
• 13. Dental Insurance — 1%
• 14. Medicare — 4%
• 15. Long-Term Care Insurance — 4%
• 16. Federal Tax Considerations for Accident and Health Insurance — 2%

Five sections carry 9% or more: Accident and Health Insurance Basics (12%), Medical Plans and Group Accident and Health Insurance (10% each), and Life Insurance Policy Provisions, Options and Riders and Annuities (9% each). Together those five sections are exactly half the exam — so they are where a study plan should spend the most time. Dental Insurance, at 1%, and Disability Income and Related Insurance and the two Federal Tax sections, at 2% each, matter for completeness but will not decide a pass or fail on their own.

Utah law is not set apart in its own block on this outline; it runs through all 16 sections as direct citations to Utah Code Title 31A and Utah Administrative Code R590. Among the citations Prometric prints inline: R590-126 for individual health insurance provisions, §§ 31A-29-101 through 123 for HIPUtah, and § 31A-22-636 together with R590-257 for the uniform health benefit plan information card.

Licensing itself — the application, character requirements, continuing education, examination and training-period rules discussed above — sits in Utah Code Title 31A, Chapter 23a. None of this is a separate "Utah law" section to cram at the end; it has to be learned alongside the general material, section by section, the same way Prometric tests it.

The LanePrep Utah course is nine audio chapters, built directly from the Series 17-03 outline above, each with its own quiz.

Week 1 — Life (Chapters 1-4)

• Days 1-2: Chapter 1 — Utah Insurance Regulation (10 items)
• Days 3-4: Chapter 2 — General Insurance Concepts and Life Insurance Basics (18 items)
• Days 5-6: Chapter 3 — Life Insurance Policies and Policy Provisions, Options and Riders (24 items)
• Days 7-9: Chapter 4 — Annuities, Federal Tax Considerations and Qualified Plans (30 items, the single largest chapter; give it the extra days)

Week 2 — Accident and Health (Chapters 5-7)

• Days 10-12: Chapter 5 — Accident and Health Insurance Basics and Disability Income Insurance (21 items)
• Days 13-14: Chapter 6 — Medical Plans (15 items)
• Days 15-16: Chapter 7 — Group Accident and Health Insurance and Dental Insurance (17 items)

Week 3 — Medicare, long-term care, taxation and exam day (Chapters 8-9)

• Days 17-18: Chapter 8 — Medicare, Long-Term Care Insurance and Federal Tax Considerations for Accident and Health Insurance (15 items)
• Day 19: Chapter 9 — Exam Day: Prometric, Scoring and Strategy, then a timed run through every chapter quiz in one sitting
• Days 20-21: Re-drill the questions you missed, re-listen to the weakest chapter, and rest the day before

Take the chapter quiz after each listen and write down which questions you missed; two days later, before starting the next chapter, answer those same questions again. That short loop is where the retention comes from — listening alone feels productive but does not test what actually stuck. Chapters 1 and 9 are free at /ut/l-and-h/preview — full audio and the chapter quiz, no signup.

Prometric delivers the exam at a Prometric test center nationwide, or through Prometric's ProProctor remote-proctoring option — your choice, at no difference in fee. You must cancel or reschedule at least 24 hours before your scheduled appointment, or the fee is forfeited.

If you do not pass, Prometric's own published process is simply to re-register and pay the exam fee again. Neither the current Bulletin nor the Department's own exam-procedures page states a cap on the number of attempts or a mandatory waiting period before a retake — so budget for the fee, not for a specific wait, and treat each attempt as a fresh registration.

Once you pass, the clock is short: your license application and fee must be submitted within 90 days of passing. After 90 days, the Department requires you to retake the exam before a license can be issued — so apply promptly rather than letting the window run.

English-as-a-second-language candidates may request time-and-one-half (150 percent of the normal time limit) by fax to Prometric, with a stated 3-day processing allowance before the exam can be scheduled with the extra time — arrange this before you book, not on exam day.

Passing the exam is one step, not the whole process. For what happens next — fingerprinting, the license application, and what everything costs — see how much a Utah Life & Health license costs.

Exam structure, fees, scheduling rules and the content outline come from Prometric's Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025) and the Series 17-03, 17-01 and 17-02 content outlines. Pre-licensing status from Utah Code §§ 31A-23a-105 and 31A-23a-203 and the Utah Insurance Department's exam-procedures page. Pass rates from the NAIC 2024 and 2025 compiled pass-rate reports. Read October 2026.