Most Popular License Type
Life & Health Insurance License Courses
Get the broadest insurance license available for $199. One combined course covers life, health, disability, LTC, annuities, and Medicare. Pass guarantee included.
Find My StateWhy Choose the Combined Life & Health License?
The combined life and health insurance license is the single most popular license type for new and experienced agents alike — and for good reason. Instead of limiting yourself to one product category, a combined license authorizes you to sell the full spectrum of personal insurance products: term and permanent life insurance, fixed annuities, individual and group major medical plans, disability income insurance, long-term care insurance, Medicare Supplement plans, and Medicare Advantage plans. This breadth means you can serve one client from the beginning of their career through retirement with products that meet every protection need.
From an income standpoint, the combined license is the highest-ceiling option for most agents. Life insurance renewals build a passive income stream as clients keep their policies. Medicare products pay recurring commissions for as long as the client remains enrolled. Annuity cases can generate some of the largest single-sale commissions in the industry. Agents who hold both lines consistently out-earn single-line agents because they have more entry points to serve each client and more cross-selling opportunities throughout that relationship.
The combined prelicensing course covers all the education required for both lines of authority — typically 30 to 40 hours depending on your state. You take a single licensing exam (or two exams on the same day in select states) and receive one license credential authorizing both product categories. JustInsurance offers this course for $199 flat with a pass guarantee. Select your state below to see the specific requirements, hours, and exam format for your market.
Combined License at a Glance
$199
Prelicensing price
One price, both lines of authority
93%
First-attempt pass rate
Among JustInsurance completers
#1
Most popular license type
Chosen by the majority of new agents
2× products
Broader product portfolio
Life + health under one credential
Life & Health Prelicensing by State
Select your state to view combined life and health prelicensing requirements, required hours, exam structure, and course pricing.
Frequently Asked Questions
Why is the combined life and health license the most popular choice?
The combined life and health license is the most popular starting point for new agents because it unlocks the widest possible product portfolio in a single step. Rather than limiting yourself to either life products or health products, you can serve clients across term and permanent life insurance, annuities, disability income, long-term care, major medical, Medicare Supplement, and Medicare Advantage — all under one license. This breadth maximizes your earning potential and gives you the flexibility to serve clients at every stage of life.
Does completing a combined course take significantly longer than a single line?
Yes, but not dramatically. Most states require between 30 and 40 hours for a combined life and health prelicensing course, compared to 20 to 30 hours for a single line of authority. The additional time is well worth it — you complete more education once and receive authorization to sell a much broader product set, avoiding the need to return for a second course later.
Do I take one exam or two with a combined license?
This depends on your state. Most states administer a single combined life and health exam, often split into a general section and a state-law section. Some states offer separate life and health exams that you can take on the same day. Your state's specific exam page on JustInsurance will show you the format, passing score, and what topics to expect.
Can I start selling with a life and health license right away after passing?
Once your state approves your license application, you are authorized to sell the products covered under your license. However, before selling specific carrier products — especially Medicare plans — you typically need to be appointed by that carrier and complete any required product certifications. For Medicare Advantage and Part D specifically, annual AHIP certification is required by CMS.
Get the License That Opens Every Door
The combined life and health license is the most versatile credential in the industry. Enroll for $199 and start your career with the broadest possible product portfolio.
Find My State