- The Life-and-Health combination exam has 210 items (180 scored, 30 pretest) in 4 hours 30 minutes.
- You need a scaled score of 70 on each exam to pass; there is no separate raw-score threshold.
- The test-center combo costs $89 and is scheduled through Pearson VUE; single exams may run on OnVUE.
- Passing results stay valid for one year, and no prelicensing education hours are required.
Exam Snapshot: The Numbers You Must Know
If you only have five minutes before test day, this is the section to reread. The Alaska Life & Health Insurance Producer Exam is regulated by the Alaska Division of Insurance and delivered through Pearson VUE test centers. Candidates who need both lines of authority typically schedule the same-session Life-and-Health combination, which draws from the outline effective March 3, 2025.
That current outline totals 210 multiple-choice items across the combined Life and Accident and Health exams - 180 of those are scored and 30 are unscored pretest questions mixed in without identification. You get 4 hours and 30 minutes to complete the combination. Note that older printed handbook tables may still reference a 220-item exam structure; treat the 210-item, 180-scored figure from the current outline as the one that governs your actual test-day experience.
Because the combination is delivered as one continuous session covering both content areas, pacing matters. With 210 total items in 270 minutes, you have roughly 77 seconds per item on average - tight enough that you can't afford to get stuck rereading a scenario question three times. If you're still deciding whether the combination format or individual exams fit your timeline better, AK-LH Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through the scheduling logistics in more detail.
Registration & Fee Mechanics
Registration for the AK-LH runs through Pearson VUE. Here's what actually happens mechanically, stripped of fluff:
- Fee: The same-session Life-and-Health combination costs $89 when both exams are taken together at a test center.
- Format restriction: The combination is test-center-only. If you want to test remotely, you'd need to take the individual Life or Accident and Health exam separately through OnVUE, where available - you cannot do the combo remotely.
- Identity and background: Initial applicants must submit a fingerprint card as part of the licensing process.
- Result shelf life: Passing results are valid for one year, so don't pass the exam and then sit on your license application indefinitely.
A full accounting of every fee category - exam cost, fingerprinting, license application, and renewal - is broken down in AK-LH Certification Cost 2026: Complete Pricing Breakdown. If you're not yet sure you meet the baseline requirements to sit for the exam at all, check AK-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify before you pay for registration.
Domain-by-Domain Cheat Sheet
The AK-LH combination draws from 13 distinct content domains split across two exam sections: Life and Accident and Health. Domain percentages are calculated by normalizing the official scored-item counts across the full two-exam path, so every domain below represents a real, weighted slice of your 180 scored questions - not filler content.
Domain 1 - Life General Knowledge: Types of Policies
Covers term, whole life, universal life, variable life, and how each policy structure builds cash value or provides pure protection.
- Know the trade-offs between term conversion and permanent coverage
Domain 2 - Life General Knowledge: Life Provisions, Riders, Options, and Exclusions
Focuses on nonforfeiture options, settlement options, waiver of premium, accidental death riders, and standard exclusions like suicide clauses.
- Memorize which riders modify death benefit vs. premium payment
Domain 3 - Life General Knowledge: Completing the Application, Underwriting, and Delivering the Policies
Tests the mechanics of application completion, insurable interest, underwriting classifications, and delivery receipt requirements.
- Understand when coverage actually takes effect relative to delivery
Domain 4 - Life General Knowledge: Retirement and Other Insurance Concepts
Covers annuities, qualified vs. nonqualified retirement plans, and how life insurance interacts with retirement income planning.
- Distinguish immediate vs. deferred annuity payout structures
Domain 5 - Alaska Specific Life: Laws Common to Life, Health, Property, Casualty and Personal Lines
General Alaska Division of Insurance rules that apply across multiple license lines - licensing standards, unfair trade practices, and producer conduct.
- Study this alongside Domain 12 since the content overlaps
Domain 6 - Alaska Specific Life: Laws Pertinent to Life Insurance Only
Alaska-specific statutes that apply exclusively to life products, including replacement rules and state-specific disclosure requirements.
- Don't confuse life-only statutes with the shared rules in Domain 5
Domain 7 - Accident and Health General Knowledge: Types of Policies
Covers individual and group health, disability income, long-term care, and Medicare supplement policy structures.
- Learn how group underwriting differs from individual underwriting
Domain 8 - Accident and Health General Knowledge: Policy Provisions, Clauses, and Riders
Tests elimination periods, coordination of benefits, guaranteed renewability, and pre-existing condition clauses.
- Coordination of benefits questions are a common stumbling point
Domain 9 - Accident and Health General Knowledge: Social Insurance
Covers Medicare, Medicaid, and Social Security disability program basics as they interact with private A&H coverage.
- Know eligibility triggers, not just program names
Domain 10 - Accident and Health General Knowledge: Other Insurance Concepts
Broader concepts like managed care structures, HSAs, and cost-containment provisions.
- Expect scenario questions comparing HMO, PPO, and indemnity plans
Domain 11 - Accident and Health General Knowledge: Field Underwriting Procedures
Application completion, agent responsibilities during underwriting, and disclosure obligations for A&H products.
- Mirror this against Domain 3's life underwriting content
Domain 12 - Alaska Specific Accident and Health: Laws Common to Life, Health, Property, Casualty and Personal Lines
The A&H-side counterpart to Domain 5 - same shared statutory framework, applied to health products.
- Cross-study with Domain 5 to reinforce shared statutes once
Domain 13 - Alaska Specific Accident and Health: Laws Pertinent to Health Insurance Only
Alaska statutes unique to health insurance, including state-specific mandated benefits and consumer protection rules.
- This is the most product-specific of the four law domains - don't skip it
For a fully detailed walkthrough of every subtopic within each domain, including sample question phrasing, see AK-LH Exam Domains 2026: Complete Guide to All 13 Content Areas.
Why the Alaska Law Domains Deserve Extra Attention
Here's a fact that changes how most candidates should allocate study time: the two common Alaska-law domains - the shared statutory content that appears as both Domain 5 (Life side) and Domain 12 (Accident and Health side) - together account for one-third of all scored questions on the combination exam. That's a disproportionate share concentrated in material that many candidates dismiss as "just legal boilerplate."
Practically, this means you should not treat the law-specific domains (6 and 13) or the shared domains (5 and 12) as an afterthought crammed in during the last night. If your outline percentages feel abstract, walk through the concrete breakdown in AK-LH Exam Domains 2026: Complete Guide to All 13 Content Areas so you can weight your review sessions correctly instead of guessing.
Eligibility & Licensing Recap
Before you even think about domain content, confirm you clear the basic eligibility bar. Alaska requires that applicants:
- Be at least 18 years old
- Reside in Alaska
- Demonstrate trustworthiness and competence
- Pass the required examinations
Notably, no prelicensing education hours are required in Alaska - you can self-study and register directly for the exam without proof of completed coursework. This is a meaningful difference from states that mandate a set number of classroom or online hours before you're even eligible to sit for the test.
Once licensed, producers renew biennially and must complete 24 continuing education hours, including 3 ethics hours, after a full two-year licensing period. That CE clock is separate from your exam prep - it kicks in only after you're actively licensed. For the complete eligibility checklist and how it applies to your specific situation, review AK-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
Don't confuse the fingerprint card submission (required for initial licensing) with prelicensing education (not required in Alaska). They're separate steps, and skipping the fingerprint step will stall your license even after you pass.
Final-Week Review Plan
Generic study techniques only earn their place here if they map directly onto AK-LH's structure. Given that Domains 5, 6, 12, and 13 carry outsized law weight, and Domains 1-4 and 7-11 form the bulk of general product knowledge, a compressed final review should look something like this:
Alaska Law Consolidation
- Review Domains 5, 6, 12, and 13 together since they share statutory DNA
- Drill practice questions specifically tagged to Alaska-specific rules
Life General Knowledge Pass
- Cycle through Domains 1-4: policy types, riders, underwriting, retirement concepts
- Focus extra time on rider and exclusion terminology from Domain 2
Accident and Health General Knowledge Pass
- Cycle through Domains 7-11: policy types, provisions, social insurance, other concepts, field underwriting
- Pay attention to coordination-of-benefits and managed-care scenario questions
Full Timed Simulation
- Take a full-length practice run under the 4 hour 30 minute clock
- Review every miss against its specific domain, not just "right or wrong"
If you want a more granular week-by-week plan built around your available prep time rather than a compressed final week, AK-LH Study Guide 2026: How to Pass on Your First Attempt covers the full arc from day one. And if you're still calibrating how much runway you actually need, How Hard Is the AK-LH Exam? Complete Difficulty Guide 2026 gives an honest read on where candidates typically struggle.
Running realistic practice sessions through our practice test platform before test day helps you get comfortable with the pacing of 210 items in one sitting, rather than discovering the time pressure for the first time at the Pearson VUE center.
Quick Reference Table
| Item | Detail |
|---|---|
| Regulator | Alaska Division of Insurance |
| Test administrator | Pearson VUE |
| Combination exam fee | $89 (same-session, test-center-only) |
| Total items (current outline, effective 3/3/2025) | 210 (180 scored, 30 pretest) |
| Time allowed | 4 hours 30 minutes |
| Passing score | Scaled score of 70 |
| Minimum age | 18 |
| Residency | Must reside in Alaska |
| Prelicensing education hours | None required |
| Background check step | Fingerprint card (initial applicants) |
| Result validity | 1 year |
| License renewal cycle | Biennial |
| CE requirement | 24 hours (including 3 ethics hours) per full 2-year period |
| Alaska-law scored weight | One-third of scored questions (combined common-law domains) |
For candidates weighing whether this credential fits their career plans before diving into the numbers above, Is the AK-LH Certification Worth It? Complete ROI Analysis 2026 and AK-LH Salary Guide 2026: Complete Earnings Analysis cover the career-side context this cheat sheet doesn't. If you're curious how this pass/fail structure has trended, AK-LH Pass Rate 2026: What the Data Shows lays out what's actually documented.
FAQ
The current outline, effective March 3, 2025, lists 210 total multiple-choice items across the Life and Accident and Health exams - 180 scored plus 30 unscored pretest questions. Older handbook tables reference 220 items, but the 210-item structure reflects the current outline.
You need a scaled score of 70. This applies to each exam section, and scaled scoring means your reported score isn't a simple percentage of correct answers.
No. Alaska does not require prelicensing education hours for the Life & Health Insurance Producer Exam, though you must still meet age, residency, and trustworthiness requirements.
No. The same-session Life-and-Health combination is test-center-only. Individual Life or Accident and Health exams may be available through OnVUE separately, but not the combined format.
Passing results are valid for one year, so you should move forward with your license application promptly after passing rather than delaying.