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OR L&H Exam

📍 US 📚 Insurance 🌐 en 🏛️ Oregon Division of Financial Regulation

What is the OR L&H Exam?

The Oregon Life and Health Insurance Producer License Examination (OR L&H Exam) is a state-mandated test that evaluates a candidate’s knowledge of life and health insurance products, regulations, and ethical standards. It is taken by individuals aiming to become licensed insurance producers in Oregon, equipping them to assist clients with policies like life insurance and health plans. Passing this exam is a vital requirement for entering the insurance field in Oregon, ensuring professionals meet state competency standards. The exam is regulated by the Oregon Division of Financial Regulation.

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Real Exam Questions
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Duration
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Pass Score
70%
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Pass Rate
👥
Annual Candidates
5,000
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Exam Fee
Free
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Frequency
Year-round
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Eligibility
Individuals seeking to become licensed insurance producers i...

📋 Exam Format

multiple_choicepassage_baseddrag_and_dropimage_basedhotspot
🖥️ Delivery: Computer-based multiple-choice

📋 Exam Sections

General Insurance Knowledge; Life and Health Insurance

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Annuity Products Sample Question
A Oregon resident purchased a deferred annuity with a 7-year declining surrender charge schedule starting at 7%. The contract allows a 10% annual free withdrawal. If the accumulated value is $100,000 and the owner surrenders in year 3 when the surrender charge is 5%, what is the approximate surrender charge?

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🔗 Official OR L&H Exam Website →

💡 Tips for Passing the OR L&H Exam

  1. Practice speed: you have only 1.2 minutes per question. Do timed practice sets regularly.
  2. Focus heavily on General Insurance Principles — it carries the highest weight on the exam.
  3. Don't neglect lower-weight topics like Medicare, Medicaid & Long-Term Care and Oregon Insurance Law, Regulation & Ethics — they can make the difference between pass and fail.
  4. There's no penalty for wrong answers — always attempt every question.
  5. Focus on understanding concepts, not memorizing — the exam tests application.

❓ Frequently Asked Questions about OR L&H Exam

How many questions are on the Oregon Life and Health Insurance Producer License Examination?

The exam has 100 questions across 2 sections: General Insurance Knowledge, Life and Health Insurance.

What is the passing score for the Oregon Life and Health Insurance Producer License Examination?

The passing score is 70%.

How long is the Oregon Life and Health Insurance Producer License Examination?

The exam is 2 hours long.

What topics are covered on the Oregon Life and Health Insurance Producer License Examination?

The exam covers major areas including: General Insurance Principles, Life Insurance Fundamentals, Life Insurance Policies, Provisions & Riders, Annuities, Taxation of Life Insurance & Annuities, Health Insurance Fundamentals.

How should I prepare for the Oregon Life and Health Insurance Producer License Examination?

Start with a structured study plan aligned to the exam blueprint. The pass rate is ~65%, so focused preparation is key. Use practice questions, full-length mock tests, and study notes to build both knowledge and test-taking skills.

How much does the Oregon Life and Health Insurance Producer License Examination cost?

The exam fee is $60.

How often is the Oregon Life and Health Insurance Producer License Examination offered?

The exam is offered on demand.

Exam details are sourced from official governing bodies where available. Always verify with your exam authority before registering.

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