Idaho Insurance License
The Idaho insurance license exam, in plain numbers.
Everything below is specific to Idaho — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Idaho
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 101 | 71 | 70% | 30 |
| Life only | 101 | 71 | 70% | 30 |
| Health only | 98 | 69 | 70% | 29 |
Administered by the Idaho Department of Insurance testing vendor for the Idaho Department of Insurance. Time limit: 2 hours 10 minutes. Roughly 25 of the scored questions (25%) come from Idaho law — the block national courses cover most lightly.
Prelicensing
NOT required. The Department states plainly that Idaho does not require prelicensing education, and candidate guidance confirms no state pre-approval is needed to schedule producer exams. You must still meet all licensing requirements after passing.
Continuing education
24 hours every two years including at least 3 hours of ethics, under Section 41-1013, Idaho Code. Product-specific training applies to long-term care, flood and annuity products.
License term
2 years
Regulator
The Idaho Department of Insurance oversees licensing, headed by a Director leading the Idaho Department of Insurance.
Idaho Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Idaho policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $300,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Idaho, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Idaho insurance exam questions, answered
How many questions are on the Idaho insurance license exam?
The combined life and health exam has 101 scored questions. You need 71 correct to pass at 70%, which means you can miss 30.
What is the passing score for the Idaho insurance exam?
70%. That works out to 71 correct answers out of 101 scored questions.
Who administers the Idaho insurance license exam?
the Idaho Department of Insurance testing vendor, on behalf of the Idaho Department of Insurance.
Does Idaho require prelicensing education?
NOT required. The Department states plainly that Idaho does not require prelicensing education, and candidate guidance confirms no state pre-approval is needed to schedule producer exams. You must still meet all licensing requirements after passing.
How much continuing education does Idaho require?
24 hours every two years including at least 3 hours of ethics, under Section 41-1013, Idaho Code. Product-specific training applies to long-term care, flood and annuity products.
Is there a Idaho life-only or health-only exam?
Yes. Life only is 101 scored questions, 71 to pass, Health only is 98 scored questions, 69 to pass.
How much does a Idaho study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Idaho Department of Insurance.