Failed the Utah Life & Health Exam? Retake Rules, Waiting Periods and Fees (2026)

If you fail a Utah Life or Accident & Health exam, you re-register with Prometric and pay the exam fee again. That is the only instruction in Prometric's current Licensing Information Bulletin and on the Utah Insurance Department's exam page. Neither source states a waiting period or a limit on the number of attempts.

We are being deliberate about that wording. The sources are silent, which is not the same as saying retakes are unlimited or immediate. Do not assume either. When you book, check what the Prometric scheduling system lets you do.

The fee is charged for every attempt:

If you failed the combined exam and rebook it, that is a second $44. Remember too that cancelling or rescheduling less than 24 hours before your appointment forfeits the exam fee, so a missed slot costs the same as a failed attempt.

A pass does not last indefinitely. The bulletin and the Department's page carry the same warning: your application and fee must be submitted within 90 days of passing your exam. After 90 days, the exam must be retaken in order for a license to be issued.

So the clock that matters most is not the one after a failure. It is the one after a pass. Book the exam for a date when you can also finish the license application, and complete the fingerprint step if you are a resident applicant, soon afterward.

1. Use the section breakdown. Your result comes as a pass/fail report with percentages by section. Mark the weakest sections and study those first, weighted by how much they count on the outline.
2. Write down what you remember. While it is fresh, note the topics and question styles that surprised you.
3. Change the method, not just the hours. If you read before, switch to practice questions and read every explanation. If you only did questions, go back to the audio chapters for the concepts behind the ones you missed.
4. Decide whether to split the exam. If you sat the combined exam and need both lines, Utah also offers the two single-line exams at $32 each. Only you can judge whether sitting them separately fits your weak areas, and it costs $64 against $44 for the combined exam.
5. Do not rebook out of frustration. A second fee is only worth paying once the gap that caused the first fail is closed.

The NAIC pass-rate workbooks cover first-time candidates only and do not publish repeat-taker rates, so there is no official Utah figure for how retakers perform. That gap is a reason to treat a second attempt seriously: with no published evidence that a quick rebook goes better, the safest assumption is that it goes the way the first attempt did unless you change how you prepare. For the first-time figures, see how hard the Utah exam is.

Work the weak sections with the free practice question set, then review the format and outline weights. When you are ready to rebook, read the exam day page, and try the course preview if you have not yet.