Connecticut Life, Accident & Health Insurance License Practice Exam
Connecticut offers Life, Accident & Health exams separately or combined (12-CT-03). The combined exam allows 2.5 hours, with 70% to pass. Pre-licensing is 20 hours per line (40 combined), and exams are taken in person at Pearson VUE test centers.
Connecticut Life, Accident & Health — Study by Topic
Drill Connecticut state law or practice general life and health concepts. The combined exam (12-CT-03) allows 2.5 hours, with 70% to pass. Exams are taken in person at Pearson VUE test centers.
Life Insurance
Term, whole life, universal life, variable, annuities, riders, nonforfeiture, settlement options, beneficiaries.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental, Connecticut mandated health benefits.
Connecticut State Law
Insurance Department licensing rules, 20-hour single-line and 40-hour combined pre-licensing, CLU exam exemption, pass-only score report, one-year exam validity, unfair practices, $160 renewal, 24 CE credits.
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 practice exam modeled on the combined Connecticut Life, Accident & Health exam (12-CT-03): 2.5 hours, 70% to pass, taken in person at Pearson VUE.
About the Connecticut Life & Health Insurance Exam
Connecticut Life and Accident & Health or Sickness producer exams are administered by Pearson VUE for the Connecticut Insurance Department. You can test for Life, Accident & Health or Sickness, or the combined Life, Accident & Health or Sickness exam (12-CT-03). Pre-licensing education is required: 20 hours for a single line or 40 hours for the combined Life/A&H authority, from an approved provider, and you bring the certificate (or a pre-licensing waiver letter) to the exam. Since August 1, 2025, exams are given only at Pearson VUE test centers.
Each Connecticut producer exam is a one-part exam scored as a whole, with 70% needed to pass. The Life exam has 50 general knowledge plus 25 Connecticut-specific scored questions and the Accident & Health exam has the same split (75 scored each), with 2 hours allowed. The combined exam draws on both outlines plus 30 Connecticut-specific scored questions and allows 2.5 hours. The exam fee is $65 for a single line and $105 for the combined exam, and a passing score is valid for one year.
Connecticut 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. Riders, Provisions, Options, Exclusions | 15 | Riders, policy provisions and options, exclusions |
| Life: III. Applications, Underwriting, Delivery | 12 | Applications, underwriting, policy delivery, contract law |
| Life: IV. Retirement and Other Insurance Concepts | 8 | Retirement plans, group life and other life concepts |
| A&H: I. Types of Policies | 16 | Disability income, medical expense, Medicare supplement, group, long-term care and other health policies |
| A&H: II. Provisions, Clauses, Riders | 15 | Mandatory and optional provisions, other clauses, riders, renewability |
| A&H: III. Social Insurance | 6 | Medicare, Medicaid, Social Security |
| A&H: IV. Other Insurance Concepts | 5 | Disability, beneficiaries, coordination of benefits, managed care, subrogation |
| A&H: V. Field Underwriting Procedures | 8 | Application, insurability, receipts, delivery, replacement, contract law |
| CT — I. Statutes Common to All Lines | 18 | Commissioner powers, hearings and penalties; licensing, appointments, continuing education, suspensions; producer duties; policy form filing, guaranty association; marketing and unfair trade and claims practices; information privacy |
| CT — II. Life-Only Statutes and Rules | 7 (5 on combined exam) | Solicitation and disclosures, replacement, standard and optional provisions, annuities, policy loans, beneficiary designation, creditor protection, variable life, group life conversion, assignment of proceeds |
| CT — III. A&H-Only Statutes and Rules | 7 | Minimum standards and required coverages (newborns, mental health, maternity, infertility), disability standards, outlines of coverage, renewal and cancellation, group health, HUSKY, Medicare supplement, long-term care, small employer rules, ACA topics, surprise billing |
Counts are from the Connecticut content outlines published by Pearson VUE (effective September 1, 2026) and show the separate Life and Accident & Health exams: each has 50 general scored questions and 25 Connecticut scored questions, plus 5 unscored pretest questions per part. The combined exam has 30 Connecticut scored questions (18 common, 5 life-only and 7 A&H-only).
What Makes the Connecticut Life & Health Exam Different
Single-line or combined exams. Connecticut offers Life (12-CT-01), Accident & Health or Sickness (12-CT-02) and the combined Life, Accident & Health or Sickness exam (12-CT-03). The single-line exams are $65 and 2 hours each; the combined exam is $105 and 2.5 hours (Pearson VUE candidate handbook).
In-person testing only. Pearson VUE exams for Connecticut are taken at physical test centers because online exams ended on August 1, 2025. Reservations cannot be made at the test center or through the Department, and you must book at least 24 hours ahead (Connecticut Insurance Department).
Pass-only score report. Candidates who pass receive a pass report without a numeric score, while candidates who fail the general section of a producer exam receive diagnostic feedback by content area. Retakes have no overall attempt limit but require a 24-hour wait before you reserve again.
Waivers for designations. The Department waives pre-licensing for Life holders of CEBS, ChFC, CIC, CFP, CLU, FLMI or LUTCF, and for A&H holders of CEBS, CLU, HIA, REBC or RHU, if a letter dated within 90 days is sent to the Department. The CLU designation also waives the Life and A&H exam. Do not select the Fraternal Agent license when you tested for Life or A&H, because the fee is not refundable.
No fingerprints. The Department states that the individual producer license does not require fingerprints. Apply through NIPR once your pre-licensing certificate and passing result are on file.
Two-year term and continuing education. The license lasts two years and expires on the last day of your birth month. Renewal is $160, and late renewal brings the total to $320; you can complete CE and renew late for up to one year after expiration, after which you must reinstate as a new application. Residents complete 24 credits, 21 general and 3 in laws, regulations or ethics.
Sample Connecticut Life & Health Insurance Exam Questions
1. A Connecticut resident receives an initial individual producer license. When does the license expire?
2. A Connecticut resident wants a combined Life and Accident & Health or Sickness producer license and holds no qualifying designation. How much pre-licensing education is required?
3. How many continuing education credits must a Connecticut resident producer complete for each renewal period, and how are they split?
Study Tips for the Connecticut Life & Health Exam
The Connecticut portion is smaller than the general portion (25 of 75 on a single-line exam, 30 on the combined exam), but 18 of those questions cover statutes common to all lines: commissioner powers, licensing and continuing education, producer duties and unfair trade and claims practices. Master those before the life-only (7 or 5) and A&H-only (7) rules.
The general portion is large. Life policy types and provisions and riders account for 30 of 50 Life general questions, and A&H policy types and provisions account for 31 of 50. If you take the combined exam, expect to answer questions drawn from both outlines in 2.5 hours.
You need 70% on the exam as a whole, and passing candidates receive only a pass report. If you fail the general section, Pearson VUE gives diagnostic feedback by content area, so use it. You can retake after 24 hours with no overall attempt limit.
Also licensing in property or casualty? See our Connecticut 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 Connecticut Life & Health Insurance License
There are four steps to get your Connecticut insurance producer license for the Life and Accident & Health or Sickness lines.
Steps to Get Your Connecticut Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours for a single line or 40 hours for the combined Life/A&H authority from an approved provider (classroom, self-study or online). If you hold a qualifying designation, ask the Department for a pre-licensing waiver letter instead. |
| 2. Schedule the Exam | Book through Pearson VUE at least 24 hours ahead and pay $65 for a single-line exam or $105 for the combined exam. Bring your pre-licensing certificate or waiver letter and two forms of signature ID to the test center. |
| 3. Pass the Exam | You need 70%. Passing candidates get a pass report, and the Department verifies your result electronically within 1–2 business days. Your result is valid for one year. |
| 4. Apply Through NIPR | Apply for the Producer license (not the Fraternal Agent license) through NIPR. The initial license fee is $140 plus a $50 nonrefundable application fee, and the license lasts two years. |
Connecticut Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident & Health or Sickness; combined Life, Accident & Health or Sickness |
| Pre-license education | 20 hours per single line; 40 hours for the combined Life/A&H authority |
| Exam | Life or A&H: 50 general + 25 Connecticut scored questions; combined exam adds 30 Connecticut scored questions |
| Time limit | 2 hours for a single line; 2.5 hours for the combined exam |
| Passing score | 70%; the exam is scored as a whole |
| Exam fee | $65 single line; $105 combined (Pearson VUE candidate handbook) |
| Continuing education | 24 credits per renewal period: 21 general and 3 laws, regulations or ethics |
| Exam provider | Pearson VUE (in person at test centers only; online exams ended August 1, 2025) |
| Fingerprints | Not required for the producer license, per the Connecticut Insurance Department |
| Score validity | Exam results are valid for one year; apply for the license within one year of passing |
| Retakes | No overall attempt limit; wait 24 hours before reserving a retake |
| License term | Two years, expiring on the last day of your birth month (a first license may be shorter) |
| License fees | $140 initial and $160 renewal ($320 late renewal), plus a $50 nonrefundable application fee |
| Application | Apply through NIPR after the Department verifies your passing result (allow 1–2 business days) |
| Licensing authority | Connecticut Insurance Department |
Verified against the Pearson VUE Connecticut candidate handbook and content outlines and the Connecticut Insurance Department's producer licensing and exam pages. Fees and requirements change; confirm current figures with the Department and Pearson VUE before you apply.
Our free Connecticut Life & Health practice exam covers general and Connecticut 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 — Connecticut Life & Health Insurance Exam
How many questions are on the Connecticut Life and Accident & Health exams?
The Life exam has 75 scored questions (50 general plus 25 Connecticut-specific) and the Accident & Health exam has 75 as well. The combined exam adds 30 Connecticut-specific scored questions. Unscored pretest questions are mixed in and do not affect your score.
What is the passing score for the Connecticut insurance exam?
70%. The Pearson VUE handbook sets 70% for the producer exams, which are one-part exams scored as a whole. Passing candidates receive a pass report with no numeric score.
How much time do I get on the Connecticut Life and Health exam?
Two hours for a single-line Life or Accident & Health exam and 2.5 hours for the combined Life, Accident & Health or Sickness exam.
How many pre-licensing hours does Connecticut require?
Twenty hours for each single line and 40 hours for the combined Life/A&H authority. Designations such as CLU, ChFC or CFP can waive the Life requirement if the Department receives a letter dated within 90 days.
Does Connecticut require fingerprints for an insurance producer license?
No. The Connecticut Insurance Department states that the individual producer license does not require fingerprints.
How much does the Connecticut insurance exam cost?
The Pearson VUE handbook lists $65 for a single-line exam and $105 for the combined Life, Accident & Health exam. The Department lists a $140 initial license fee, a $160 renewal fee and a $50 nonrefundable application fee.
Can I take the Connecticut insurance exam online?
No. Online exams ended on August 1, 2025, and Connecticut producer exams are taken at Pearson VUE test centers only.
How long is a Connecticut producer license valid, and what CE is required?
Two years, expiring on the last day of your birth month. Residents complete 24 credits per renewal period: 21 general and 3 in laws, regulations or ethics.
Practice Exam Questions — Connecticut Life & Health
4 state-specific questions based on official sources. Correct answer highlighted in green.
Where are Connecticut insurance producer exams taken?
- In person at Pearson VUE test centers only
- Online at home through remote proctoring
- At the Insurance Department's licensing office
- At any notary public
What does a Connecticut producer candidate who passes receive?
- A pass report without a numeric score
- A numeric scaled score and percentile
- A letter grade only
- A diagnostic report by content area
Which designation waives both pre-licensing and the exam for the Life and Accident & Health lines in Connecticut?
- CLU
- CFP
- LUTCF
- CIC
A Connecticut resident producer renews on time. What is the renewal fee, and what is the license term?
- $160 for a two-year term
- $90 for a three-year term
- $140 for a one-year term
- $25 for a five-year term