Colorado Life & Health Insurance License Practice Exam
Colorado requires separate exams for Life and for Accident & Health — each 80 scored questions, 70% to pass. 50 hrs pre-licensing per line required. In-person only at Pearson VUE. No fingerprinting required.
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
DORA DOI, C.R.S. Title 10, no fingerprinting, 50-hr pre-license, scaled scoring, unfair trade practices, guaranty association, CE carryover.
Policy Provisions
Contract law, insurable interest, beneficiaries, grace period, incontestability, misstatement of age, taxation, Social Security.
🌟 Full CO Exam
80-question timed exam simulating the Pearson VUE Colorado Life & Health exam. 70% scaled score to pass. In-person only in CO.
About the Colorado Life & Health Insurance License Exams
To get your Colorado Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $42–$74. Colorado is regulated by the Colorado Division of Insurance (DORA DOI) under Colorado Revised Statutes Title 10. Visit doi.colorado.gov for official licensing information. Commissioner of Insurance within DORA (Department of Regulatory Agencies) — Commissioner appointed; background check through DORA (no IdentoGO or Fieldprint); Pearson VUE OnVUE available; Colorado Insurance Code in CRS Title 10; active insurance/financial industry hub in Denver metro.
Pre-licensing education in Colorado: 20 hours per line. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $27–$55 biennial. CE must be completed before submitting your Colorado renewal application. How to get licensed in Colorado: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Colorado producer license.
How to get a Colorado Life & Health insurance license in 2026: The Colorado Division of Insurance (DORA DOI) (doi.colorado.gov) administers all producer licensing in Colorado. Exam: Pearson VUE, $42–$74, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Colorado Life & Health license by completing 24 hours + 3 ethics biennial and paying the $27–$55 biennial renewal. For questions contact the Colorado Division of Insurance (DORA DOI).
DORA DOI (doi.colorado.gov). CRS Title 10. Commissioner appointed within DORA. Background check through DORA — no IdentoGO/Fieldprint. Pearson VUE exam. 20-hr pre-licensing per line. Colorado L&H Guaranty Association. Annuity Best Interest required. LTC training required.
Frequently Asked Questions — Colorado Life & Health Exam
How do I get a Colorado Life & Health insurance license?
To become a licensed Life & Health producer in Colorado: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($42–$74, 70%); (4) Apply for your Colorado producer license. The Colorado Division of Insurance (DORA DOI) (doi.colorado.gov) oversees all insurance producer licensing in Colorado.
What exam does Colorado use for Life & Health insurance licensing?
Colorado uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $42–$74. Passing score: 70%. Commissioner of Insurance within DORA (Department of Regulatory Agencies) — Commissioner appointed; background check through DORA (no IdentoGO or Fieldprint); Pearson VUE OnVUE available; Colorado Insurance Code in CRS Title 10; active insurance/financial industry hub in Denver metro.
Does Colorado require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit doi.colorado.gov.
What are Colorado's CE requirements for Life & Health producers?
Colorado requires: 24 hours + 3 ethics biennial. Renewal fee: $27–$55 biennial. CE must be completed before submitting the renewal application. Contact the Colorado Division of Insurance (DORA DOI) at doi.colorado.gov for CE provider information.
What makes Colorado unique for Life & Health insurance licensing?
Commissioner of Insurance within DORA (Department of Regulatory Agencies) — Commissioner appointed; background check through DORA (no IdentoGO or Fieldprint); Pearson VUE OnVUE available; Colorado Insurance Code in CRS Title 10; active insurance/financial industry hub in Denver metro.
Practice Exam Questions — Colorado Life & Health
5 state-specific questions drawn from the Colorado exam content outline. Correct answer highlighted in green.
Colorado insurance is regulated by:
- The Colorado Department of Financial Services
- The Colorado Division of Insurance (DOI) within DORA (Department of Regulatory Agencies) — Commissioner appointed; doi.colorado.gov; CRS Title 10
- The Colorado Secretary of State's Insurance Bureau
- The Colorado Department of Commerce
Colorado L&H exams are administered by:
- PSI Services LLC
- Prometric
- Pearson VUE — in-person or OnVUE remote; no pre-licensing required; background check through DORA; exam fee $42-74; 70% to pass
- The Colorado DOI directly
Colorado's background check for insurance producers is done through:
- IdentoGO
- Fieldprint
- DORA (Department of Regulatory Agencies) directly — not a third-party fingerprint vendor; candidates submit background check as part of the NIPR/Sircon application
- PSI test center on exam day
Colorado CE requirements for L&H producers:
- 24 hours + 3 ethics biennial — CE must include approved Colorado-specific courses; completed before renewal; no carryover; Commissioner within DORA; renewal fee $27-55 biennial
- 30 hours triennial (same as Nevada)
- 16 hours biennial (same as Virginia)
- No CE — permanent license
The primary statute for Colorado insurance is:
- Colorado Revised Statutes Title 24 — Government
- Colorado Revised Statutes Title 10 — Insurance; Article 2 governs producer licensing; implementing regulations in 3 CCR 702
- Colorado Revised Statutes Title 12 — Professional Regulations
- Colorado Administrative Code Title 10