First decide whether 14 days is appropriate
- You have completed any state-required education or already possess the necessary foundation.
- You can protect two to four focused hours on most days.
- You have a current state-specific outline and enough practice questions to avoid memorizing a tiny pool.
- You can move the exam if timed results remain unstable.
Days 1-7: diagnose and build the foundation
| Day | Focus | Practice |
|---|---|---|
| 1 | Full-domain diagnostic + official outline map | 30-50 diagnostic questions |
| 2 | State licensing and conduct rules | 40-60 state questions |
| 3 | State life/annuity rules | 40-60 state questions |
| 4 | Life foundations and policy types | 50 mixed questions |
| 5 | Life provisions, riders and underwriting | 50 mixed questions |
| 6 | Annuities, retirement and tax basics | 50 mixed questions |
| 7 | Full timed simulation + error analysis | Exact state format |
Days 8-14: health, repair and prove readiness
| Day | Focus | Practice |
|---|---|---|
| 8 | Health products and managed care | 50 questions |
| 9 | Disability, LTC, group coverage | 50 questions |
| 10 | Medicare, Medicaid, Social Security, COBRA | 40-50 questions |
| 11 | Weakest domains from simulation one | 60 targeted questions |
| 12 | Second full timed simulation + review | Exact state format |
| 13 | Missed concepts and high-confusion pairs | 60-80 targeted questions |
| 14 | Light retrieval set or final simulation only if useful | Stop early enough to rest |
Why the plan uses questions, spacing and feedback
Research reviews consistently support practice testing and distributed practice, especially when retrieval is followed by corrective feedback. That does not mean that any quiz automatically works; the questions, explanations and spacing still matter.
The plan revisits material across days and requires error analysis. Simply rereading the same chapter does not provide the same evidence that the answer can be retrieved under pressure.
Adapt the simulations to your state
| State | Simulation target |
|---|---|
| Florida | 165 delivered questions in 2h 45m; score the 150-question model used by the official outline |
| Texas | 145 delivered questions in 150 minutes, including general and Texas sections |
| California | 150 scored questions in 3 hours; allow for any experimental items stated by CDI |
| New York | 150 questions in 150 minutes for the combined Life, Accident & Health series |
| New Jersey | Use separate Life and Health simulations aligned to the current outline for each line |
| Georgia | Use the combined Life, Accident & Sickness format and the official 2.5-hour limit |
A better readiness rule than 'I finished the plan'
- Multiple timed results above the state threshold with a meaningful safety margin.
- No official domain remains untested.
- Wrong-answer review shows that misconceptions are shrinking, not recurring unchanged.
- You can explain the rule, not merely recognize the remembered option.
- Sleep, identification, route and appointment details are prepared before exam day.
Official sources and further reading
Facts and requirements were checked against the linked primary sources on the article's publication date. Licensing authorities and testing providers remain controlling.
- Yang et al., Psychological Bulletin (2021): Testing (Quizzing) Boosts Classroom LearningSystematic and meta-analytic review of retrieval practice in classroom learning.
- Cepeda et al., Psychological Bulletin (2006): Distributed Practice in Verbal Recall TasksQuantitative synthesis showing that useful study spacing depends on the desired retention interval.
- Dunlosky et al. (2013): Improving Students' Learning With Effective Learning TechniquesResearch review rating practice testing and distributed practice as broadly useful learning techniques.
- Pearson VUE / Florida DFS: Florida Insurance Content OutlinesCurrent Florida examination outline, including scored and pretest question counts and time limits.
- Texas Department of Insurance / Pearson VUE: Texas Insurance Licensing Candidate HandbookOfficial exam structure, time limit, fee, state outline and retake policy.
- California Department of Insurance: Examinations: Time Limit and Number of QuestionsOfficial 150-question, three-hour format and 60 percent producer-exam passing score.
- PSI / New York Department of Financial Services: New York Insurance Examination Candidate BulletinOfficial exam series, 150-item format, 2.5-hour limit, scoring, fee and retake procedure.
- New Jersey Department of Banking and Insurance: Producer Frequently Asked QuestionsOfficial $47 examination fee, 20-hour-per-line education requirement and current online application fees.
- Pearson VUE / Georgia OCI: Georgia Insurance Licensing Candidate Handbook, August 2026Current exam fee, length, Spanish-language option, bilingual toggle and licensing steps.