Colorado Life & Health Insurance License Practice Exam
Colorado requires separate exams for Life and for Accident & Health, each with 50 general and 30 Colorado-specific scored questions. 50 hours of pre-licensing per line are required, and exams are taken in person at Pearson VUE.
Colorado Life & Health — Study by Topic
Colorado requires separate Life and A&H exams. Drill Colorado state law (~30 Qs) or practice national concepts. Full exam available.
Life Insurance
Term, whole life, universal life, variable life, annuities, riders, nonforfeiture, settlement options, beneficiaries, underwriting.
Health & A/H
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, managed care.
Colorado State Law
Division of Insurance, C.R.S. Title 10, 50-hour prelicensure, scaled scoring, unfair trade practices, lapse notice, suicide clause, CE carryover.
Policy Provisions
Contract law, insurable interest, beneficiaries, grace period, incontestability, misstatement of age, taxation, Social Security.
🌟 Full CO Exam
80-question timed practice exam modeled on the Pearson VUE Colorado Life exam (50 general plus 30 Colorado-specific scored questions). Exams are taken in person.
About the Colorado Life & Health Insurance Exam
The Colorado Life and Accident & Health producer exams are administered by Pearson VUE for the Colorado Division of Insurance (DOI). Colorado licenses Life and Accident and Health as separate lines of authority (C.R.S. § 10-2-407), and each line has its own portion of the exam (C.R.S. § 10-2-402). Applicants must be at least 18 and, unless exempt, complete 50 hours of approved prelicensure education for each line, including at least 3 hours of insurance ethics, before they may take the exam (C.R.S. § 10-2-201). Exams are given in person at Colorado test centers, since the DOI stopped accepting new online exam registrations on December 15, 2025.
Each exam has two scored portions: 50 general knowledge questions plus 30 Colorado-specific questions, so Life is 80 scored questions and Accident & Health is 80 scored questions, with 5 or 6 unscored pretest questions mixed into each portion. Pearson VUE reports scaled scores from 0 to 100; the passing score is set by the Division and is not published in the candidate handbook, and a numeric score is shown only to candidates who fail. The exam fee is $41 (effective April 1, 2026), and a passing score is good for one year.
Colorado Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Life: I. Types of Policies | 15 | Traditional whole life, interest- and market-sensitive products, term, annuities, joint and survivorship plans |
| Life: II. Provisions, Riders, Options, Exclusions | 15 | Riders, beneficiaries, premiums, reinstatement, loans, nonforfeiture, dividends, settlement options, accelerated benefits, war, aviation and dangerous-occupation exclusions |
| Life: III. Application, Underwriting, Delivery | 12 | Application completion, replacement, disclosures, USA PATRIOT Act, GLBA, insurable interest, FCRA, STOLI/IOLI, policy delivery, contract law |
| Life: IV. Retirement and Other Insurance Concepts | 8 | Third-party ownership, life settlements, group life, retirement plans, needs analysis, Social Security, taxation, MECs |
| A&H: I. Types of Policies | 16 | Disability income, AD&D, medical expense (HMOs, PPOs, HDHPs/HSAs), Medicare supplement, group, long-term care, dental, vision, hospital indemnity |
| A&H: II. Policy Provisions, Clauses, Riders | 15 | Mandatory and optional provisions, waiting periods, exclusions, preexisting conditions, coinsurance, deductibles, riders, renewability |
| A&H: III. Social Insurance | 6 | Medicare, Medicaid, Social Security |
| A&H: IV. Other Insurance Concepts | 5 | Disability types, owner's rights, beneficiaries, coordination of benefits, managed care, workers' compensation, subrogation |
| A&H: V. Field Underwriting Procedures | 8 | Application, insurability sources and privacy, premium and receipt, delivery, replacement, contract law |
| CO — Life: I. Statutes Common to All Lines | 20 | Commissioner powers, hearings and penalties, license actions, records; licensing and producer responsibilities; unfair competition and deceptive practices |
| CO — Life: II. Statutes Pertinent to Life Only | 10 | Replacement, group life, suicide, free look, interest on proceeds, sales and marketing, insurable interest, lapse notice |
| CO — A&H: I. Statutes Common to All Lines | 19 | Commissioner powers, hearings, license actions, records; licensing; unfair competition and deceptive practices |
| CO — A&H: II. Statutes Pertinent to Sickness & Accident Only | 11 | Mandated benefits (maternity, mammography and prostate screenings, diabetes, hospice), guaranteed renewability, prompt pay, utilization review, individual, group and small group coverage, Medicare supplement, long-term care, commission disclosure |
Counts are from the Colorado content outlines published by Pearson VUE (effective January 1, 2024): the Life and Accident & Health general portions each carry 50 scored questions and the Colorado portions 30 scored questions. Each portion also includes 5 or 6 unscored pretest questions that are not identified.
What Makes the Colorado Life & Health Exam Different
Life and Accident & Health are separate lines and separate exams. Colorado lists them as distinct lines of authority, and the statute gives each line its own portion of the exam (C.R.S. §§ 10-2-407 and 10-2-402). Passing Life does not license you for Accident & Health, and the 50 hours of prelicensure education apply per line.
Lapse notice for life policies. A lapse notice on an individual life policy is effective only if it states the reason and is mailed first-class, or emailed if the owner consented to electronic delivery, at least 25 days before the lapse takes effect. The requirement does not apply to premiums paid monthly or more often (C.R.S. § 10-7-105.5).
Suicide is not a defense after the first year. Colorado's life insurance suicide statute says that a suicide after the policy's first year is not a defense against payment, whether the death was voluntary or involuntary and whether the insured was sane or insane. It does not reach accident policies or the accidental-death portions of a life policy (C.R.S. § 10-7-109).
The Colorado portion leans on laws common to every line. On the Life exam, 20 of the 30 Colorado questions cover statutes common to all lines (commissioner powers, licensing, unfair competition and deceptive practices), and 19 of 30 do on Accident & Health, so licensing law matters as much as line-specific rules.
Prelicensure certificate and exemptions. The prelicense certificate is valid for one year, and you give your training school code when you reserve the exam. Holders of designations such as CLU or RHU use school code 99999 and send a membership card or letter of good standing with the application, and a resident license held in another state within the prior 90 days also exempts you from the course (Pearson VUE handbook).
Continuing education. Producers complete 24 credit hours every two years, at least 18 of them for their license type and at least 3 on ethics, and may carry over up to 12 hours earned in the 120 days before the continuation date (3 CCR 702-1, Regulation 1-2-4).
Sample Colorado Life & Health Insurance Exam Questions
1. A Colorado insurer wants to lapse an individual life insurance policy with annual premiums for nonpayment. What makes the lapse notice effective?
2. A Colorado life insurance policy has been in force for 18 months when the insured dies by suicide. May the insurer refuse to pay the death benefit on that ground?
3. A Colorado resident applies for a Life line of authority for the first time and is not exempt from education requirements. What must the applicant complete before taking the written exam?
Study Tips for the Colorado Life & Health Exam
The Colorado portion is 30 of the 80 scored questions on each exam, so it carries more weight than in many states. Learn the statutes common to all lines first (20 of 30 on Life, 19 of 30 on Accident & Health): commissioner powers, license actions, producer responsibilities and unfair trade practices.
On the general portion, Life is split almost evenly between policy types (15) and provisions, riders, options and exclusions (15), and Accident & Health puts 31 of 50 into policy types and provisions. Spend the most time on policy types, provisions and nonforfeiture and settlement options before drilling the smaller sections.
You get no published passing mark and see a numeric score only if you fail, so treat every section as one to master rather than aiming for a minimum. You must wait 24 hours before a retake, and a passing score is good for one year.
Also licensing in property or casualty? See our Colorado Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Colorado Life & Health Insurance License
There are four steps to get your Colorado insurance producer license for the Life and Accident & Health lines.
Steps to Get Your Colorado Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Prelicensure Education | Complete 50 hours of approved education for each line (Life, Accident and Health), including at least 3 hours of ethics. Unless you hold a qualifying designation or a recent license from another state, you must finish the course before you can take the exam, and the certificate is valid for one year. |
| 2. Schedule the Exam | Create a Pearson VUE account under your exact legal name, give your training school code, and pay the $41 exam fee. Exams are taken in person at a Colorado test center, with two forms of signature ID, one of them government-issued with a photo. |
| 3. Pass the Exam | Take the general and Colorado portions for each line. Pearson VUE gives you an official score report at the test center, and a passing score is valid for one year. You may retake after waiting 24 hours. |
| 4. Apply and Maintain | Apply through Sircon or NIPR; paper applications are returned unprocessed. The $44-per-authority license fee is in the Pearson VUE handbook. Once licensed, complete 24 CE credit hours every two years. |
Colorado Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident and Health (separate lines, C.R.S. § 10-2-407) |
| Pre-license education | 50 hours per line, including 3 hours of ethics (C.R.S. § 10-2-201) |
| Exam | Life: 50 general + 30 Colorado scored questions; Accident & Health: 50 general + 30 Colorado scored questions |
| Time limit | Set per exam and listed in the Pearson VUE handbook |
| Passing score | Scaled 0–100; the Division sets the mark and Pearson VUE shows a numeric score only to failing candidates |
| Continuing education | 24 credit hours every two years, at least 18 for your license type, at least 3 on ethics |
| Minimum age | 18 (C.R.S. § 10-2-404) |
| Exam provider | Pearson VUE (in-person at Colorado test centers; online exam registration ended December 15, 2025) |
| Exam fee | $41 per the Pearson VUE handbook forms and fees table, effective April 1, 2026 |
| Score validity | Passing scores are valid for one year; the license application must reach Pearson within one year of passing |
| Retakes | Wait 24 hours before reserving a retake; the handbook sets no attempt limit |
| Application | All-electronic through Sircon or NIPR; paper applications are returned unprocessed |
| License fees | $44 per authority for a new resident license and $27 per authority for renewal (Pearson VUE handbook) |
| Licensing authority | Colorado Division of Insurance |
Verified against the Pearson VUE Colorado candidate handbook and content outlines, Colorado Division of Insurance pages, C.R.S. Title 10, and Regulations 1-2-4 and 1-2-5. Fees and times change; confirm current figures with the Division and Pearson VUE before you apply.
Our free Colorado Life & Health practice exam covers general and Colorado content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Colorado Life & Health Insurance Exam
How many questions are on the Colorado Life and Accident & Health exams?
Each exam has two scored portions: 50 general knowledge questions and 30 Colorado-specific questions, or 80 scored questions per exam. The portions also include 5 or 6 unscored pretest questions, which are not identified.
Do I take one exam or separate exams for Life and Accident & Health in Colorado?
Separate exams. Colorado lists Life and Accident and Health as separate lines of authority and the statute gives each line its own portion of the exam, so you must pass an exam for each line you want.
What is the passing score for the Colorado insurance exam?
Pearson VUE reports scaled scores from 0 to 100, and the Division sets the passing score with Pearson VUE. The candidate handbook does not publish the number, and a numeric score is shown only to candidates who fail.
How many pre-licensing hours does Colorado require?
Fifty hours of approved prelicensure education per line, including at least 3 hours on insurance industry ethics (C.R.S. § 10-2-201). Designation holders and people licensed in another state within the prior 90 days may be exempt.
Does Colorado require fingerprints for an insurance producer license?
Pearson VUE's handbook does not mention a fingerprint requirement. The application asks screening questions about criminal convictions and bankruptcy, and the Division reviews each yes answer individually.
How much does the Colorado insurance exam cost?
The Pearson VUE handbook lists a $41 exam fee effective April 1, 2026, paid when you reserve. It also lists $44 per authority for a new resident license and $27 per authority for renewal.
Can I take the Colorado exam online?
No. The Division stopped accepting new online exam registrations on December 15, 2025, and exams are given at Colorado's physical test centers.
What are the continuing education requirements in Colorado?
Producers complete 24 credit hours every two years, at least 18 for their license type and at least 3 on ethics. Up to 12 hours earned in the 120 days before the continuation date can carry over.
Practice Exam Questions — Colorado Life & Health
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which of these is a separate line of authority in Colorado under C.R.S. § 10-2-407?
- Accident and health
- Funeral and burial
- Mortgage guaranty
- Legal expense
How long is a passing Colorado insurance exam score valid for licensing?
- Six months
- One year
- Three years
- It never expires
How must a Colorado producer license application be submitted?
- Electronically through Sircon or NIPR
- By paper form mailed to the Division
- In person at the test center after the exam
- By phone to Pearson VUE
Which title of the Colorado Revised Statutes contains the insurance code, including producer licensing in article 2?
- Title 10
- Title 24
- Title 12
- Title 38