What This License Is
An Illinois Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in Illinois. It is issued by the Illinois Department of Insurance.
Licensing runs through the same process as every Illinois producer line — the difference is the focused Accident & Health exam. Note that Illinois requires 20 hours of pre-licensing education for this line before you can sit for the exam.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-health/purchase#a_aid=getthelicense) to satisfy your Illinois pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Illinois requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Illinois and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Exam Options & Format
The Accident & Health exam is Accident & Health Producer (Pearson VUE, paired General + State exams): 99 total (89 scored: 50 general + 39 Illinois; 10 pretest) questions, 2 hr 15 min (general 1:20 + state 0:55), $92 per attempt. Passing standard: 70.
Illinois does not offer a combined exam for these lines — each line of authority is its own exam, so producers who want both simply take both exams.
How Illinois Licenses Life & Health Producers
Illinois licenses by individual line of authority, and it treats Life and Accident & Health as two distinct lines. Each has its own pre-licensing course and its own two-part exam: a General (product knowledge) portion and an Illinois State (statutes and regulations) portion.
Practically, a producer who wants full Life & Health authority sits four exams: Life General, Life State, A&H General, and A&H State. You must pass the General and State exams for a given line within 90 days of each other.
Everything funnels through three players: Pearson VUE (exams), IDFPR (fingerprints), and NIPR (the license application).
Eligibility and Pre-Licensing Education
You must be at least 18, have an SSN or FEIN, and provide proof of Illinois residency.
Illinois requires 20 hours of pre-licensing education per line, of which 7.5 hours must be classroom or live-webinar (the remaining 12.5 may be self-study). Taken together as a combined Life & Health course, that is 40 hours, with 15 hours in the live/classroom format. The course completion certificate is valid for 12 months — you must test within that window.
Certain professional designations are exempt from Life pre-licensing, including CLU, ChFC, CFP, CEBS, CIC, and FLMI; Accident & Health designations such as RHU, REBC, and HIA carry the equivalent A&H exemption.
Illinois Life Statutes & Regulations
The Life State exam leans on a recognizable cluster of Illinois rules. Replacement (Reg. 917) sets the agent's and the replacing insurer's duties, the required notices, and the exemptions. Life illustrations are governed by Reg. 1406, and life solicitation — including the Buyer's Guide content and the suitability standard for life and annuity sales (Reg. 3120) — by Reg. 930.
Accelerated death benefits appear under 215 ILCS 5/4 and Reg. 1407. Viatical and life settlements are regulated separately under 215 ILCS 159.
Backstop protection for policyholders runs through the Illinois Life & Health Insurance Guaranty Association (215 ILCS 5/531.01 and following). Expect questions tying a specific duty or disclosure to the correct regulation number.
Illinois Accident & Health Statutes & Regulations
On the A&H State exam, Medicare Supplement rules (Reg. 2008) are a frequent target: minimum standards, disclosure, and the mandatory offer to under-65 disabled beneficiaries. Long-Term Care, including the LTC Partnership program, is governed by Reg. 2012.
Illinois has its own HMO and Limited Health Service Organization (LHSO) frameworks, plus a state HIPAA portability act (215 ILCS 97). Advertising of A&H products is controlled by Reg. 2002, and unfair claims practices by 215 ILCS 5/154.5–154.6 and Reg. 919.
Group coverage carries its own discontinuance and replacement rules (Reg. 2013). As with the Life exam, much of the difficulty is matching the right standard to the right citation.
Regulatory Material Common to Every Line
Roughly 22 of the State-exam questions come from material common to all lines: the powers of the Director of Insurance, licensing and registration (resident, nonresident, business-entity, and temporary producers), fiduciary responsibilities (Reg. 3113), and marketing practices — rebating, misrepresentation, defamation, and other unfair trade practices.
This block is identical in spirit across Life, Health, Property, and Casualty, so studying it once covers the shared portion of every Illinois State exam you sit.
Costs and How to Apply
Each Pearson VUE exam is $92. When you order a General exam and its matching State exam for the same line on the same order, you receive a $92 discount, so the pair costs $92 total. The fee already includes the state's $50 administrative fee and is non-refundable.
After you pass, you must wait 5 days before applying. Apply online at NIPR (nipr.com). The Illinois resident producer application fee is $215 — among the highest in the country — plus the NIPR transaction fee.
Illinois requires a fingerprint-based background check through an IDFPR-licensed live-scan vendor. Get fingerprinted at least a day before you apply so results are on file when NIPR transmits your application. Vendor fees vary (commonly about $30–$60).
Names must match exactly across your pre-licensing certificate, exam registration, fingerprint record, and NIPR application — a mismatch will delay or reject the application.
Keeping Your License Active
Important CE details: Includes 3 hours of ethics. The 24-hour total does not increase if you hold multiple lines (for example, both L&H and P&C). Renew by the last day of your birth month every 2 years; Illinois provides no grace period for late renewal.
Illinois requires 24 hours of CE every 2 years, including 3 hours of ethics. Holding more than one line of authority does not increase the total — it stays 24 hours.
Renewal is tied to your birth month: licenses renew every 2 years by the last day of your birth month, and you may renew up to 90 days early. Illinois allows no grace period for late renewal, so a missed deadline means the license lapses.
Quick Reference
Official Links
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