- UT-LAH is Prometric's Series 17-03, the Utah Producer's Combined Life, Accident and Health Exam.
- 150 scored questions plus 5 unscored ones, 2 hours 30 minutes, $44 exam fee.
- Accident and Health Insurance Basics is the largest domain at 13% of the exam.
- Utah requires no prelicensing education - you can register and test right away.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single policy provision, get these mechanics locked in. The Utah Insurance Department owns the exam, Prometric administers it, and its internal code is Series 17-03. Officially, it's the Utah Producer's Combined Life, Accident and Health Exam - that's the full name behind the "UT-LAH" shorthand used throughout this site.
- Cost: $44 per attempt
- Format: 150 scored questions + 5 unscored (experimental) questions, all mixed together so you can't tell which is which
- Time limit: 2 hours 30 minutes
- Prelicensing education: Not required in Utah - you study on your own timeline
- Testing options: In-person at a Prometric center or remotely via ProProctor; Spanish-language testing is also available
For the full breakdown of what that $44 gets you and what else factors into total spend, see the UT-LAH Certification Cost 2026 breakdown. If you want the passing-score math explained in plain terms, bookmark UT-LAH Passing Score 2026.
Domain Weights Ranked (Cheat Sheet Format)
This is the single most useful table for last-minute review. Sixteen domains make up the Series 17-03 outline, and their weights tell you exactly where your study hours should go.
| Domain | Weight |
|---|---|
| 9. Accident and Health Insurance Basics | 13% |
| 5. Life Insurance Policy Provisions, Options and Riders | 11% |
| 3. Life Insurance Basics | 10% |
| 4. Life Insurance Policies | 10% |
| 1. Insurance Regulation | 9% |
| 11. Medical Plans | 7% |
| 2. General Insurance | 6% |
| 10. Disability Income and Related Insurance | 6% |
| 12. Group Accident and Health Insurance | 6% |
| 6. Annuities | 5% |
| 14. Medicare | 5% |
| 15. Long-Term Care Insurance | 4% |
| 16. Federal Tax Considerations for Accident and Health Insurance | 3% |
| 7. Federal Tax Considerations for Life Insurance and Annuities | 2% |
| 8. Qualified Plans | 2% |
| 13. Dental Insurance | 1% |
Notice something: the top five domains alone account for over half the exam. If you're pressed for time, that's your priority list. For a domain-by-domain walkthrough with definitions and example question angles, see the UT-LAH Exam Domains 2026 complete guide.
The Four Highest-Value Domains, Distilled
These four domains combine for 44% of your scored questions. Master them and everything else becomes supporting detail.
Domain 9: Accident and Health Insurance Basics (13%)
The single largest domain - treat it as your anchor topic, not an afterthought.
- Core A&H terminology: elimination periods, benefit periods, coinsurance vs. copay structures
- Types of accident and health coverage and how policies are structured/underwritten
- Standard policy provisions unique to health contracts
Domain 5: Life Insurance Policy Provisions, Options and Riders (11%)
Expect scenario questions testing whether you know what a provision does versus what a rider adds.
- Nonforfeiture options, grace periods, reinstatement rules
- Settlement options and how death benefits can be paid out
- Common riders: waiver of premium, accidental death, guaranteed insurability
Domain 3 & 4: Life Insurance Basics and Life Insurance Policies (10% each)
Together these make up a fifth of the exam. Basics covers foundational concepts; Policies covers the specific product types built on that foundation.
- Term vs. permanent life distinctions and their variations
- Whole life, universal life, and variable life mechanics
- How premiums, cash value, and death benefits interact across product types
If you're still deciding how much runway to give yourself before test day, the How Hard Is the UT-LAH Exam? Complete Difficulty Guide 2026 walks through what makes this exam challenging beyond just raw content volume.
Registration & Test-Day Logistics
Since Utah doesn't require prelicensing education, your path to the testing center is shorter than in many other states - but that also means there's no built-in study structure. You're responsible for building your own.
- No prelicensing course required: You can schedule your exam as soon as you feel ready.
- Two testing formats: Choose a physical Prometric test center or remote ProProctor proctoring from your own computer.
- Language option: Spanish-language testing is offered if that's your preference.
- Fee: $44 per sitting - plan for this if you need to retake.
For exact scheduling windows, blackout considerations, and how far in advance to book, check UT-LAH Exam Dates 2026: Testing Windows, Deadlines & Scheduling. And if you haven't confirmed you're eligible to sit for the exam at all, review UT-LAH Requirements 2026 first - it covers eligibility and prerequisites in full.
Post-Exam Licensing Checklist
Passing the exam is the milestone people focus on, but it's the middle step, not the last one. Initial resident applicants in Utah must complete three things:
- Pass the Series 17-03 exam (150 scored questions, 2.5-hour limit)
- Submit the electronic producer application through the state's licensing system
- Complete fingerprinting as part of the background check process
Skipping or delaying any one of these steps stalls your license. Build them into your post-exam plan the same way you built domain review into your pre-exam plan.
Key Takeaway
Passing the exam doesn't equal being licensed. Budget time immediately after your test date for the producer application and fingerprinting - don't let the paperwork sit.
Last-Week Review Schedule
If you've already done your deep study and this cheat sheet is your final pass, use the weighting to allocate your remaining hours instead of reviewing everything equally.
Accident & Health Cluster
- Re-drill Domain 9 (Accident and Health Insurance Basics) - the largest single domain
- Layer in Domain 11 (Medical Plans) and Domain 12 (Group Accident and Health Insurance) since they share vocabulary
Life Insurance Cluster
- Rework Domain 5 (Provisions, Options and Riders) scenario questions
- Compare Domain 3 and Domain 4 side by side - basics vs. product-specific rules
Regulation, Annuities & Smaller Domains
- Domain 1 (Insurance Regulation) and Domain 2 (General Insurance) refresh
- Quick pass on Domain 6 (Annuities), Domain 14 (Medicare), Domain 15 (Long-Term Care)
Lowest-Weight Cleanup
- Domains 7, 8, 13, and 16 - low percentage but still scored, don't skip entirely
- Light review only; avoid cramming new material the night before
This kind of prioritized scheduling is a technique worth applying broadly, but the sequencing above - health cluster first, low-weight domains last - is specific to how Series 17-03 is weighted. For a fuller first-attempt strategy built around this same logic, see the UT-LAH Study Guide 2026: How to Pass on Your First Attempt.
Quick-Hit Term Bank
These are concept pairs that show up disguised as scenario questions rather than direct definitions. Know the distinction cold.
- Elimination period vs. grace period: one delays benefit payout on a health claim, the other delays policy lapse for nonpayment
- Coinsurance vs. copay: percentage-based cost sharing vs. flat-dollar cost sharing
- Nonforfeiture options vs. settlement options: what happens if you stop paying premiums vs. how a death benefit gets paid out
- Waiver of premium rider vs. guaranteed insurability rider: one waives payments during disability, the other guarantees future coverage without new underwriting
- Qualified plan vs. nonqualified plan: tax treatment differences that show up in Domain 8 and Domain 7 questions
Practicing recognition of these pairs under timed conditions matters more than memorizing definitions in isolation - that's exactly what a full-length practice test is built to simulate.
If terminology around the credential name itself is confusing you, start with the basics: What Is UT-LAH? and UT-LAH Meaning both clarify what the acronym refers to before you go further. For a broader look at where licensed producers find work, check UT-LAH Jobs.
FAQ
The exam has 150 scored questions plus 5 unscored experimental questions mixed in, for a total of 155 questions. You get 2 hours and 30 minutes to complete it.
No. Utah does not require prelicensing education for this exam, so you can register and test as soon as you feel prepared.
Accident and Health Insurance Basics (Domain 9) carries the most weight at 13%, making it the single largest content area on the Series 17-03 outline.
Yes. In addition to testing at a Prometric center, candidates can test remotely through ProProctor. Spanish-language testing is also available.
Passing is one of three requirements for initial resident applicants. You also need to submit the electronic producer application and complete fingerprinting before your license is issued.
Keep this page bookmarked as your one-stop reference in the final days before your test, and pair it with a timed run-through on our practice test platform to confirm the domain weights above translate into real exam-day confidence.