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MD L&A/H practice questions - frequently asked questions

Plain answers about how MD L&A/H Exam Prep works: the exam, the questions, pricing, the free trial, and what you actually get.

No - and you should be wary of any site claiming otherwise. Every question here is original, written to mirror the style, difficulty, and judgment the real MD L&A/H exam tests. Each one comes with a plain-language explanation of why the right answer is right and the others aren't.

The MD L&A/H exam spans 16 domains: Insurance Regulation (30% of the exam); General Insurance (5% of the exam); Life Insurance Basics (9% of the exam); Life Insurance Policies (5% of the exam); Life Insurance Policy Provisions, Options and Riders (8% of the exam); Annuities (5% of the exam); Federal Tax Considerations for Life Insurance and Annuities (4% of the exam); Qualified Plans (2% of the exam); Health Insurance Basics (7% of the exam); Individual Health Insurance Policy General Provisions (2% of the exam); Disability Income and Related Insurance (5% of the exam); Medical Plans (8% of the exam); Group Health Insurance (2% of the exam); Dental Insurance (1% of the exam); Insurance for Senior Citizens and Special Needs Individuals (5% of the exam); Federal Tax Considerations for Health Insurance (2% of the exam). Every practice question on this site is tagged to one of these domains.

The domains are not weighted equally on the exam. By share of the marks: Insurance Regulation 30%; Life Insurance Basics 9%; Life Insurance Policy Provisions, Options and Riders 8%; Medical Plans 8%; Health Insurance Basics 7%; General Insurance 5%; Life Insurance Policies 5%; Annuities 5%; Disability Income and Related Insurance 5%; Insurance for Senior Citizens and Special Needs Individuals 5%; Federal Tax Considerations for Life Insurance and Annuities 4%; Qualified Plans 2%; Individual Health Insurance Policy General Provisions 2%; Group Health Insurance 2%; Federal Tax Considerations for Health Insurance 2%; Dental Insurance 1%.

The MD L&A/H exam has 140 questions and is completed in 2 hours 30 minutes. Our timed practice mirrors that length and pacing, so exam day feels familiar.

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