Connecticut Life, Accident & Health Insurance License Practice Exam
150 questions (12-CT-03), 2.5 hrs. 70% to pass. 40-hr pre-licensing required. No fingerprinting. In-person only (online discontinued Aug 2025). PASS only on score report. $160 renewal.
Connecticut Life, Accident & Health — Study by Topic
Drill Connecticut state law (CGS Title 38a) or practice general L&H concepts. 150 questions (12-CT-03), 2.5 hrs. In-person Pearson VUE only. CLU exam exemption. No fingerprinting. Hartford Insurance Capital.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental, Connecticut mandated health benefits.
Connecticut State Law
CID, Commissioner appointed, 40-hr pre-licensing, CLU/CPCU exemptions, PASS-only score report, in-person only, 1-yr validity, CT L&A/H Guaranty, unfair practices, $160 renewal, 24 CE + 3 ethics.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA, federal tax considerations.
🌟 Full CT L&H Exam
150-question timed exam simulating the Pearson VUE CT 12-CT-03 combined L&H exam. 150 minutes. 70% to pass. In-person only. PASS-only score report. 40-hr pre-licensing. Hartford Insurance Capital.
About the Connecticut Life, Accident & Health Insurance License Exam
To get your Connecticut Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $105 combined. Connecticut is regulated by the Connecticut Insurance Department (CID) under Connecticut General Statutes Title 38a. Visit portal.ct.gov/cid for official licensing information. Online proctoring discontinued August 1, 2025 — in-person Pearson VUE only; PASS-only score report (no numeric score for passing candidates); $105 combined exam fee (highest in portfolio); $160 renewal fee (second highest); CLU = Life/A&H pre-licensing AND exam exempt; CPCU = P&C pre-licensing AND exam exempt; Hartford = Insurance Capital of the World; TWO forms of ID required; 1-year score validity (lapse = redo pre-licensing + retake).
Pre-licensing education in Connecticut: 40 hours combined (20 Life + 20 A&H). Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $160 biennial. CE must be completed before submitting your Connecticut renewal application. How to get licensed in Connecticut: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Connecticut producer license.
How to get a Connecticut Life & Health insurance license in 2026: The Connecticut Insurance Department (CID) (portal.ct.gov/cid) administers all producer licensing in Connecticut. Exam: Pearson VUE, $105 combined, 70%. Pre-licensing: 40 hours combined (20 Life + 20 A&H). Once licensed, maintain your Connecticut Life & Health license by completing 24 hours + 3 ethics biennial and paying the $160 biennial renewal. For questions contact the Connecticut Insurance Department (CID).
CID (portal.ct.gov/cid). CGS Title 38a. PASS-only on score report. In-person Pearson VUE only since Aug 2025. CLU = full exemption (pre-licensing + exam). TWO forms of ID + certificate. 1-year score validity. Hartford = Insurance Capital of World. Aetna (1819), The Hartford (1810), Cigna all CT roots.
Frequently Asked Questions — Connecticut Life, Accident & Health Exam
How do I get a Connecticut Life & Health insurance license?
To become a licensed Life & Health producer in Connecticut: (1) Complete any required pre-licensing education (40 hours combined (20 Life + 20 A&H)); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($105 combined, 70%); (4) Apply for your Connecticut producer license. The Connecticut Insurance Department (CID) (portal.ct.gov/cid) oversees all insurance producer licensing in Connecticut.
What exam does Connecticut use for Life & Health insurance licensing?
Connecticut uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $105 combined. Passing score: 70%. Online proctoring discontinued August 1, 2025 — in-person Pearson VUE only; PASS-only score report (no numeric score for passing candidates); $105 combined exam fee (highest in portfolio); $160 renewal fee (second highest); CLU = Life/A&H pre-licensing AND exam exempt; CPCU = P&C pre-licensing AND exam exempt; Hartford = Insurance Capital of the World; TWO forms of ID required; 1-year score validity (lapse = redo pre-licensing + retake).
Does Connecticut require pre-licensing for Life & Health insurance?
40 hours combined (20 Life + 20 A&H). For official pre-licensing provider information, visit portal.ct.gov/cid.
What are Connecticut's CE requirements for Life & Health producers?
Connecticut requires: 24 hours + 3 ethics biennial. Renewal fee: $160 biennial. CE must be completed before submitting the renewal application. Contact the Connecticut Insurance Department (CID) at portal.ct.gov/cid for CE provider information.
What makes Connecticut unique for Life & Health insurance licensing?
Online proctoring discontinued August 1, 2025 — in-person Pearson VUE only; PASS-only score report (no numeric score for passing candidates); $105 combined exam fee (highest in portfolio); $160 renewal fee (second highest); CLU = Life/A&H pre-licensing AND exam exempt; CPCU = P&C pre-licensing AND exam exempt; Hartford = Insurance Capital of the World; TWO forms of ID required; 1-year score validity (lapse = redo pre-licensing + retake).
Practice Exam Questions — Connecticut Life & Health
5 state-specific questions drawn from the Connecticut exam content outline. Correct answer highlighted in green.
As of August 1, 2025, Connecticut L&H exams are:
- Available via OnVUE online proctoring as usual
- In-person only at Pearson VUE test centers (Norwalk, Wallingford, Wethersfield) — Connecticut discontinued online proctoring August 1, 2025; no exceptions
- Available only via PSI Bridge remote
- Available at any certified proctor location
What does a passing Connecticut score report show?
- A numeric scaled score (e.g., 82/100)
- A percentage score (e.g., 78%)
- Only 'PASS' — no numeric score for passing candidates; failing candidates receive a score and diagnostic information; Connecticut shares PASS-only reporting with Nevada
- Both a scaled score and a letter grade
The CLU designation in Connecticut provides:
- A 25% premium discount on CE courses
- A full exemption from Life & Health pre-licensing AND the L&H exam — CLU holders apply directly for the CT license without pre-licensing or PSI exam
- Only a CE credit waiver for 12 hours
- No benefit — CT does not recognize CLU
Hartford, Connecticut is known as:
- The Seafood Capital of New England
- The Insurance Capital of the World — Aetna (1819), The Hartford (1810), and Cigna all have CT roots; highest concentration of insurance companies per capita in the US
- The Banking Capital of the Northeast
- The Technology Capital of New England
Connecticut's renewal fee is:
- $25/line (lowest in the portfolio)
- $90 biennial (same as Arkansas)
- $160 per license biennial — second-highest in the portfolio; late renewal is $320 with NO waivers; renewal on last day of birth month
- $60 biennial (same as Oklahoma)