Connecticut Property & Casualty Insurance License Practice Exam
150 questions (12-CT-04), 2.5 hrs. 70% to pass. 40-hr pre-licensing required. No fingerprinting. In-person only. 25/50/25 + mandatory UM/UIM. CPCU exam exemption. $160 renewal.
Connecticut Property & Casualty — Study by Topic
Drill Connecticut state law (CGS Title 38a) or practice general P&C concepts. 150 questions (12-CT-04), 2.5 hrs. In-person Pearson VUE only. 25/50/25 + mandatory UM/UIM. CPCU exam exemption.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance.
Casualty & Liability
Auto (PAP, 25/50/25, mandatory UM/UIM at same limits), CGL, WC, umbrella, bonds, commercial auto, modified comparative negligence.
Connecticut State Law
CID, Commissioner appointed, 40-hr pre-licensing, CPCU exam exemption, in-person only, PASS-only score report, 25/50/25 + mandatory UM/UIM at same limits, CT P&C Guaranty, $160 renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, COI informational only, waiver/estoppel, Connecticut cancellation rules.
🌟 Full CT P&C Exam
150-question timed exam simulating the Pearson VUE CT 12-CT-04 combined P&C exam. 150 minutes. 70% to pass. In-person only. 25/50/25 + mandatory UM/UIM. CPCU exam exemption. Hartford Insurance Capital.
About the Connecticut Property & Casualty Insurance License Exam
To get your Connecticut Property & Casualty 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 only; PASS-only score report; $105 combined fee; $160 renewal; CPCU exam exempt; 25/50/25 auto + mandatory UM/UIM at same limits (up to double); 45-day cancellation notice; one-part scored as whole (not dual-section); TWO forms of ID + certificate required.
Pre-licensing education in Connecticut: 40 hours combined (20 Property + 20 Casualty). 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 Property & Casualty 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 Property + 20 Casualty). Once licensed, maintain your Connecticut Property & Casualty 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. CPCU = full exemption. 25/50/25 auto + mandatory UM/UIM. 45-day cancellation notice. $160 renewal. Late renewal $320 NO exceptions. TWO forms of ID + certificate.
Frequently Asked Questions — Connecticut Property & Casualty Exam
How do I get a Connecticut Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Connecticut: (1) Complete any required pre-licensing education (40 hours combined (20 Property + 20 Casualty)); (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 Property & Casualty insurance licensing?
Connecticut uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $105 combined. Passing score: 70%. Online proctoring discontinued August 1, 2025 — in-person only; PASS-only score report; $105 combined fee; $160 renewal; CPCU exam exempt; 25/50/25 auto + mandatory UM/UIM at same limits (up to double); 45-day cancellation notice; one-part scored as whole (not dual-section); TWO forms of ID + certificate required.
Does Connecticut require pre-licensing for Property & Casualty insurance?
40 hours combined (20 Property + 20 Casualty). For official pre-licensing provider information, visit portal.ct.gov/cid.
What are Connecticut's CE requirements for Property & Casualty 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 Property & Casualty insurance licensing?
Online proctoring discontinued August 1, 2025 — in-person only; PASS-only score report; $105 combined fee; $160 renewal; CPCU exam exempt; 25/50/25 auto + mandatory UM/UIM at same limits (up to double); 45-day cancellation notice; one-part scored as whole (not dual-section); TWO forms of ID + certificate required.
Practice Exam Questions — Connecticut Property & Casualty
5 state-specific questions drawn from the Connecticut exam content outline. Correct answer highlighted in green.
Connecticut P&C exams as of August 2025 are:
- Available via OnVUE online proctoring
- In-person only — CT discontinued Pearson VUE online proctoring August 1, 2025; all exams at in-person centers (Norwalk, Wallingford, Wethersfield)
- Available via PSI Bridge
- Available at any notary public as proctor
Connecticut's auto insurance minimum liability requirements are:
- 15/30/10
- 25/50/20
- 25/50/25 — plus mandatory UM/UIM at the same limits as liability; CT has among the strictest UM/UIM requirements in the portfolio
- 50/100/50
The CPCU designation provides what P&C licensing benefit in Connecticut?
- No benefit — CT does not recognize professional designations
- A full exemption from P&C pre-licensing AND the Pearson VUE P&C exam; CPCU holders apply directly for the CT P&C license with a waiver letter to CID
- A 50% discount on the $105 exam fee
- Only a waiver of 12 CE hours
Connecticut's P&C cancellation notice requirement is:
- 10 days for nonpayment; 30 days for any other reason
- 30 days for nonpayment; 60 days for any other reason
- 45 days minimum notice required for most mid-term cancellations and nonrenewals — CT has strict cancellation rules that protect policyholders
- No required notice — insurer may cancel at any time
What is the primary insurance statute governing Connecticut P&C licensing?
- Connecticut General Statutes Title 38 (this is South Carolina)
- Connecticut General Statutes Title 38a — Insurance; CID administers at portal.ct.gov/cid; 153 Market Street, 7th Floor, Hartford CT 06103; Commissioner appointed
- Connecticut Administrative Code Chapter 38b
- Connecticut Insurance Laws Title 36 (this is Oklahoma)