- The ORLH combined exam is PSI Series 12-03: 150 scored questions, 160 minutes, 70% to pass, $55 fee.
- Group Health Insurance is the single largest domain at 14% - build your review around it.
- Life Insurance Policies (13%) and Annuities (11%) together outweigh every Health domain except Group Health.
- Prelicensing requires 20 hours each for Life and Health, with certificates valid for one year.
Exam Snapshot: Numbers You Must Memorize
Before you memorize a single policy provision, memorize the exam's own architecture. The Oregon Life & Health Insurance Producer Exam is regulated by the Oregon Division of Financial Regulation and delivered through PSI under the code Series 12-03, Life and Health (Includes Law). Knowing this exact designation matters when you're registering, since PSI's system references it directly.
- Format: 150 scored multiple-choice questions
- Time limit: 160 minutes
- Passing score: 70%
- Fee: $55 for the combined Life and Health exam
- Delivery: test-center or remote-proctored, your choice
If you want the full breakdown of why this scoring threshold is set where it is and how PSI calculates it, see ORLH Passing Score 2026: Exactly What You Need to Pass. And if you're still weighing whether the fee and prep time are worth pursuing, ORLH Certification Cost 2026: Complete Pricing Breakdown lays out every dollar involved.
Domain Weights Cheat Sheet
The ORLH exam draws from 14 distinct content areas, and each one carries a fixed percentage of the 150 scored questions. Use this table as your final sanity check before scheduling test day.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 4% |
| 2. Federal Laws and Regulations | 2% |
| 3. General Insurance | 4% |
| 4. Life Insurance Basics | 7% |
| 5. Life Insurance Policies | 13% |
| 6. Life Insurance Policy Provisions, Options and Riders | 7% |
| 7. Annuities | 11% |
| 8. Health Insurance Basics | 6% |
| 9. Individual Health Insurance Policy General Provisions | 5% |
| 10. Disability Income and Related Insurance | 3% |
| 11. Medical Plans | 8% |
| 12. Group Health Insurance | 14% |
| 13. Specialized Health Insurance for Qualified Individuals | 12% |
| 14. Federal Tax Considerations for Life and Health Insurance | 4% |
Notice how the weight is not evenly distributed - the top five domains (Group Health, Life Insurance Policies, Specialized Health Insurance, Annuities, and Medical Plans) together account for roughly 58% of the entire exam. For a domain-by-domain narrative walkthrough of what each of these 14 areas actually tests, bookmark ORLH Exam Domains 2026: Complete Guide to All 14 Content Areas.
The Three Highest-Value Domains
If your study time is limited in the final stretch, triage by weight. These three domains alone represent 39% of the scored questions.
Domain 12: Group Health Insurance (14%)
The single largest domain on the exam. Candidates must understand how group contracts differ from individual policies, eligibility and participation requirements, employer contribution rules, and continuation-of-coverage concepts.
- COBRA-style continuation logic and who it applies to
- Group underwriting versus individual underwriting
- Employer-employee relationship requirements for group eligibility
Domain 5: Life Insurance Policies (13%)
This domain tests your ability to distinguish policy types and match them to client scenarios.
- Term versus permanent life insurance structures
- Whole life, universal life, and variable life mechanics
- Policy application, underwriting, and delivery requirements
Domain 13: Specialized Health Insurance for Qualified Individuals (12%)
Covers Medicare, Medicaid, and long-term care concepts specific to qualified populations.
- Medicare Parts A, B, C, and D distinctions
- Medicare Supplement (Medigap) standardized plans
- Long-term care insurance provisions and eligibility triggers
Right behind these sits Domain 7, Annuities, at 11% - enough weight that skipping fixed versus variable annuity distinctions or surrender charge mechanics can cost you multiple points. Together, these four domains make up half the exam, which is why a targeted review beats a page-by-page rereading of every textbook chapter. For a broader discussion of where candidates typically lose points across all 14 areas, see How Hard Is the ORLH Exam? Complete Difficulty Guide 2026.
Key Takeaway
Spend your last week disproportionately on Group Health Insurance, Life Insurance Policies, Specialized Health Insurance, and Annuities - together they're worth nearly half your score.
Registration & Licensing Mechanics
The ORLH exam sits inside a larger licensing process, and the mechanics around it are just as testable in real life as the content itself. Here's what actually has to happen before and after you sit for Series 12-03.
- Prelicensing education: Resident applicants complete 20 hours of approved education for Life and 20 hours for Health.
- Certificate validity: Your prelicensing completion certificate is valid for one year, so don't finish the coursework too far ahead of your test date.
- CLU waiver: Holders of the CLU designation may qualify for an education waiver - worth checking before you enroll in a full prelicensing course.
- Fingerprinting: Initial resident applicants must complete fingerprinting as part of the licensing process.
- Delivery options: You can sit at a PSI test center or use remote proctoring, depending on what fits your schedule.
- Renewal cycle: Once licensed, producers renew every two years and must complete 24 hours of continuing education, including 3 ethics hours and 3 Oregon law hours.
If you're unsure whether you meet the eligibility bar before enrolling, ORLH Requirements 2026: Eligibility, Prerequisites & How to Qualify walks through prerequisites step by step. And for scheduling specifics - testing windows, blackout periods, and how far ahead to book - check ORLH Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Last-Week Review Plan
This isn't a full study calendar - that's covered in depth in ORLH Study Guide 2026: How to Pass on Your First Attempt. This is specifically what to do in the final seven days, mapped to domain weight so your remaining hours go where the points are.
Group Health & Medical Plans (22% combined)
- Drill group eligibility, contribution, and continuation rules
- Review HMO, PPO, POS, and indemnity plan structures under Domain 11
Life Insurance Policies & Provisions (20% combined)
- Compare term, whole, universal, and variable life products
- Memorize nonforfeiture options, riders, and settlement provisions
Annuities & Specialized Health (23% combined)
- Contrast fixed and variable annuities, plus surrender charges
- Review Medicare Parts A-D, Medigap, and long-term care triggers
Lower-Weight Domains & Full Review
- Sweep Insurance Regulation, Federal Laws, General Insurance, and Federal Tax Considerations
- Run full-length timed practice sets to simulate the 160-minute window
Running realistic, timed practice questions in this final week matters more than rereading notes. Our practice test platform mirrors the 150-question, 160-minute format so you build pacing instincts before test day rather than during it.
Common Traps on Test Day
Candidates who fail the ORLH exam rarely fail because they didn't study - they fail because of a handful of predictable missteps. Watch for these specifically.
- Confusing individual and group provisions: Domain 9 (Individual Health Insurance Policy General Provisions) and Domain 12 (Group Health Insurance) test overlapping concepts with different rules - read each question carefully for "individual" versus "group" language.
- Underestimating Annuities: At 11%, Domain 7 carries more weight than five other domains combined, yet many candidates treat it as a footnote to life insurance.
- Ignoring the tax domain: Domain 14, Federal Tax Considerations, is only 4%, but its questions are often straightforward if you've memorized the basic rules - don't leave easy points on the table by skipping it entirely.
- Poor time management: With 150 questions in 160 minutes, you have roughly one minute per question. Practicing under timed conditions prevents a last-minute scramble.
For a deeper look at where the exam's difficulty actually comes from - content volume, question phrasing, or time pressure - see How Hard Is the ORLH Exam? Complete Difficulty Guide 2026. And if you want context on how other candidates perform, ORLH Pass Rate 2026: What the Data Shows breaks down the available data.
Key Takeaway
Budget close to one minute per question during practice runs so the 160-minute limit never feels like the exam's hardest part.
After You Pass: What the License Opens Up
Passing Series 12-03 gets you licensed as a producer able to sell both life and health products in Oregon - a broader scope than a single-line license. That combination is attractive to captive agencies, independent brokerages, and group benefits firms that want one producer handling both life and health cases for a client. If you're curious how this license translates into actual roles and hiring demand, ORLH Jobs covers where combined Life and Health producers typically find work. For the bigger-picture question of whether the licensing investment pays off relative to the $55 exam fee and prelicensing hours, Is the ORLH Certification Worth It? Complete ROI Analysis 2026 and ORLH Salary Guide 2026: Complete Earnings Analysis go into more detail.
Remember that the license isn't permanent without upkeep: every two years you'll need 24 CE hours, including 3 hours of ethics and 3 hours of Oregon law, to keep your producer license active. Treat this cheat sheet as a reference you can return to at renewal time as well as before your first exam attempt.
FAQ
It's listed as Series 12-03, Life and Health (Includes Law) - the combined exam covering both life and health content plus Oregon insurance law.
150 multiple-choice questions are scored, and you have 160 minutes to complete them, with 70% required to pass.
Group Health Insurance at 14% is the largest single domain, followed closely by Life Insurance Policies at 13% and Specialized Health Insurance for Qualified Individuals at 12%.
Your prelicensing education completion certificate - 20 hours for Life plus 20 hours for Health - is valid for one year, so schedule your exam within that window.
Yes, producer licenses renew every two years and require 24 hours of continuing education, including 3 ethics hours and 3 Oregon law hours.
Keep this page bookmarked as your quick reference, but pair it with deeper prep - start with ORLH Study Guide 2026: How to Pass on Your First Attempt and reinforce your recall with realistic questions on our practice test platform before you lock in a PSI appointment.