Free OR L&H Exam Prep
Oregon Life & Health Insurance
Pass your OR L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
Buy on AmazonOregon Life & Health Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
Master Oregon Licensing Workflow and DeadlinesYou are here
Start with DFR licensing rules, fees, exam logistics, fingerprint steps, renewal/CE timeline, and core producer compliance triggers.
Build Life and Annuity Accuracy
Drill life policy structures, provisions, riders, and annuity recommendation analysis, including Oregon best-interest and replacement expectations.
Build Health, Group, and Senior-Market Competence
Practice medical and group-health sections plus Medicare supplement, disability, and specialized health topics tied to Oregon law references.
Run Timed Oregon-Mapped Simulations
Use 160-minute mixed sets and review misses by official outline domain and Oregon compliance theme before scheduling.
Can You Take the OR L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass the Oregon Life and Health (Series 12-03) exam
- •Apply for licensure within 1 year after passing the exam
- •Submit resident producer application fee ($75) plus additional NIPR processing fee
- •Complete 24 CE hours every 2 years including 3 ethics and 3 Oregon law/rules after licensure
- •Complete required product training before selling annuities or LTC products
OR L&H Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Candidates may retest through PSI; each additional exam attempt requires a new exam fee.
Total Cost Breakdown
Free OR L&H Prep That Actually Works
The official pass rate is Not publicly reported by Oregon DFR / PSI. Our students do better.
200+ Practice Questions
More free questions than most paid courses
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Content reflects latest exam changes
$0 Forever
No credit card, no trial, no upsells
What You'll Study
5 chapters covering everything you need to pass
Introduction: Oregon Life & Health Insurance Exam Overview
1 sections
Chapter 1: Oregon Insurance Regulation & Licensing
3 sections
Chapter 2: Oregon Life Insurance Laws
3 sections
Chapter 3: Oregon Health Insurance Laws
2 sections
Chapter 4: Oregon Insurance Ethics & Prohibited Practices
3 sections
OR L&H-Specific Topics Covered
10 free AI interactions per day
OR L&H Exam Details
Oregon Life & Health Insurance
Administered by Oregon Division of Financial Regulation (DFR) / PSI
Exam Content Breakdown
Based on the official Oregon Division of Financial Regulation (DFR) / PSI content outline
Producer law, DFR authority, licensing standards, and Oregon regulatory framework
Federal compliance topics including privacy and consumer-protection law intersections
Risk, contract principles, policy structures, and foundational insurance terminology
Core life and health product principles, underwriting concepts, and key policy mechanics
Term, permanent, and specialty life forms with suitability and ownership considerations
Contract clauses, policyowner rights, beneficiaries, nonforfeiture, and rider use cases
Annuity product structure, taxation basics, and Oregon best-interest recommendation standards
Individual health contract provisions, renewability terms, and claims-related standards
Disability definitions, benefit triggers, elimination periods, and related income protections
Major medical plan design, cost sharing, managed care structures, and policy comparisons
Group plan concepts, eligibility, continuation rights, and employer-sponsored coverage mechanics
Senior-market and specialized products including Medicare supplement and LTC-related concepts
Tax treatment of life and health benefits, premiums, and contract distributions
What's Included
5 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the OR L&H?
After passing the OR L&H, you can pursue these career paths
OR L&H Exam FAQ
Official Oregon Division of Financial Regulation (DFR) / PSI Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free OR L&H Prep?
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