Tennessee Life & Health Insurance License Practice Exam
68 scored questions per exam (Life and Accident & Health are separate), scaled score of 70 to pass, 1 hour 45 minutes. No pre-licensing course for producers. IdentoGO fingerprinting after passing. Apply via NIPR — wait 48 hours after the exam.
Tennessee Life & Health — Study by Topic
Drill Tennessee state law (18 of the 68 scored questions) or practice national concepts. Each Life and Accident & Health exam has 68 scored questions in 1 hour 45 minutes.
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, HSA/HRA.
Tennessee State Law
TDCI, T.C.A. Title 56, no producer pre-licensing course, 48-hr NIPR wait, IdentoGO fingerprinting, appointment notice 15 days, 10/30-day retake waits, guaranty association.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, Social Security.
🌟 Full TN Exam
68-question timed exam modeled on one Pearson VUE Tennessee Life or Accident & Health exam (50 general plus 18 Tennessee scored questions). 1 hour 45 minutes. Scaled 70 to pass.
About the Tennessee Life & Health Insurance Exam
The Tennessee Life and Accident & Health producer exams are administered by Pearson VUE for the Tennessee Department of Commerce and Insurance (TDCI). Tennessee has no combined Life and Health exam: Life and Accident & Health are separate exams, each with its own general knowledge and Tennessee-specific portions. The exam fee is $55 per exam, or $80 for Life and Accident & Health together. Exams are taken at a Pearson VUE test center or online through OnVUE. Prelicensing education is no longer required for producer applicants (Public Chapter 57 of 2023).
Each exam has 68 scored questions: 50 general knowledge and 18 Tennessee-specific, plus 9 unscored pretest questions mixed in. The time allowed is 1 hour 45 minutes. The passing score is 70 on a scaled score of 0 to 100, and Pearson VUE reports one scaled score per exam; passing candidates see only a pass, while failing candidates see a numeric score and diagnostic feedback. After you pass, you are fingerprinted at IdentoGO and apply through NIPR 48 hours or more after the exam.
Tennessee 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 and Exclusions | 15 | Riders, beneficiary and premium provisions, nonforfeiture, dividends, settlement options, war, aviation and occupation exclusions |
| Life: III. Application, Underwriting and Delivery | 12 | Application rules, replacement, underwriting, STOLI and 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 including MECs |
| A&H: I. Types of Policies | 16 | Disability income, AD&D, medical expense (HMO, PPO, HSA and HDHP), Medicare supplement, group, long-term care, dental, vision, cancer, critical illness, accident |
| A&H: II. Policy Provisions, Clauses and Riders | 15 | Mandatory provisions, grace period, reinstatement, claims, elimination period, coinsurance, deductibles, riders, renewability |
| A&H: III. Social Insurance | 6 | Medicare Parts A–D, Medicaid, Social Security |
| A&H: IV. Other Insurance Concepts | 5 | Disability types, dependents, premium modes, coordination of benefits, workers' compensation, subrogation |
| A&H: V. Field Underwriting Procedures | 8 | Application, sources of insurability, premium receipt, submission, delivery, replacement, contract law |
| TN — Laws Common to All Lines | 14 | Commissioner powers, definitions, license requirements and suspension or revocation, unfair practices, guaranty association (T.C.A. §§ 56-6-101 to 56-6-126; 56-12-201 to 56-12-220) |
| TN — Laws Pertinent to Life Only | 4 | Required provisions (§§ 56-7-2305, 2307, 2308), replacement (§ 56-8-104; Dept. Rules 0780-1-24), annuity suitability (Dept. Rule 0780-01-86) |
| TN — Laws Pertinent to A&H Only | 4 | Required provisions, cancellation and renewal, group, Medicare supplement, long-term care (§§ 56-42-101 et seq.), mandated coverages, external review, ACA |
Counts are from the Pearson VUE Tennessee Insurance Content Outlines (effective October 7, 2026; the October 15, 2025 set has the same counts). The general rows apply to the Life and Accident & Health exams respectively; each exam has 50 general and 18 Tennessee-specific scored questions plus unscored pretest questions (5 general and 4 Tennessee).
What Makes the Tennessee Life & Health Exam Different
Separate exams, no combined L&H exam. Tennessee tests Life and Accident & Health separately, at $55 each or $80 for the pair. Each is a 68-question scored exam with 1 hour 45 minutes. At a test center, each Life, Accident & Health, Property or Casualty exam must be taken alone in one session (Pearson VUE candidate handbook).
No pre-licensing course for producers. Public Chapter 57 of 2023 removed the requirement that producer applicants complete a prelicensing course of study. The Department's exam page now lists a 30-hour prelicensing course only for title insurance.
14 of 18 state questions are common to all lines. The Tennessee portion is 18 scored questions: 14 on laws common to all lines (T.C.A. §§ 56-6-101 to 56-6-126, plus the Life and A&H Guaranty Association, §§ 56-12-201 to 56-12-220) and 4 on laws for the specific line.
Retake waits and online limits. After a first failure you wait 10 days, and after each later attempt you wait 30 days. Everyone also waits 24 hours before reserving a retake. OnVUE online testing is limited to two attempts per exam line, and further attempts must be taken at a test center (Pearson VUE candidate handbook).
Fingerprints after the exam, then a 48-hour wait. After you pass, you are fingerprinted at IdentoGO for TBI and FBI criminal history checks, at least 2 business days before you apply. Wait 48 hours after the exam to submit the application electronically through NIPR. The filing fee is $50.
Continuing education with training add-ons. Producers complete 24 credit hours biennially, 3 of them on ethics. Annuity producers also take a one-time 4-credit training course (effective January 1, 2024), and producers who sell long-term care take an 8-hour course once and then 4 hours every 24 months (Department continuing education page).
Sample Tennessee Life & Health Insurance Exam Questions
1. How many credit hours of continuing education must a Tennessee insurance producer complete each renewal period, and how many of them must be on ethics?
2. What additional training must a Tennessee producer complete in order to sell annuities, under the Department's continuing education page?
3. A candidate fails a Tennessee insurance exam for the first time. How long must the candidate wait before another attempt?
Study Tips for the Tennessee Life & Health Exam
General knowledge is 50 of 68. On Life, policy types and provisions are 30 of 50, and on Accident & Health, types and provisions are 31 of 50. Master policy types, riders, provisions and nonforfeiture before the state law.
Learn the common state laws first. Fourteen of the 18 Tennessee questions apply to every line: Commissioner powers, licensing, suspension and revocation, unfair practices and the guaranty association (T.C.A. Title 56, Chapter 6). The line-specific 4 are replacement and required provisions for Life and mandated coverages, Medicare supplement and long-term care for A&H.
Aim above 70. Pearson VUE scales scores, so 70 is a scaled score that is not simply 70% correct. The first retake wait is 10 days and later waits are 30 days, so prepare thoroughly for the first attempt.
Also licensing in property or casualty? See our Tennessee 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 Tennessee Life & Health Insurance License
There are four steps to get your Tennessee insurance producer license for the Life and Accident & Health lines.
Steps to Get Your Tennessee Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Register for the Exam | Tennessee requires no producer pre-licensing course. Create a Pearson VUE account under your legal name, pay $55 per exam ($80 for Life and A&H together), and bring two forms of signature ID (one government-issued with a photo) to the test center, or take it online through OnVUE. |
| 2. Pass the Exam | Each exam allows 1 hour 45 minutes for 68 scored questions. You need a scaled score of 70. Passing candidates see a pass; failing candidates see a score and diagnostic feedback and wait 10 days before a retake. |
| 3. Get Fingerprinted | After you pass, schedule IdentoGO fingerprinting for TBI and FBI criminal history checks, at least 2 business days before you apply. |
| 4. Apply and Maintain | Apply through NIPR at least 48 hours after the exam and pay the $50 filing fee. Once licensed, complete 24 hours of continuing education each renewal period, including 3 on ethics. |
Tennessee Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Life and Accident & Health, taken separately (no combined exam) |
| Questions per exam | 68 scored (50 general and 18 Tennessee) plus 9 unscored pretest |
| Time limit | 1 hour 45 minutes per exam |
| Passing score | 70 on a scaled 0–100 score; passing candidates receive a pass with no number |
| Pre-license education | None required for producers (Public Chapter 57 of 2023) |
| Exam fee | $55 per exam; $80 for Life and A&H together |
| Exam vendor | Pearson VUE (test center or OnVUE) |
| Retakes | 10-day wait after first failure, 30 days after later attempts; 24 hours before a retake reservation; OnVUE limited to 2 attempts per line |
| Fingerprinting | IdentoGO, after passing; TBI and FBI checks; at least 2 business days before applying |
| Wait before applying | 48 hours after the exam for the electronic NIPR application |
| Application fee | $50 filing fee for permanent and temporary applications, good for one year |
| Appointment | The insurer files a notice of appointment at NIPR within 15 days after the agency contract or first application |
| Continuing education | 24 credit hours per two-year renewal period, 3 on ethics |
| Valid ID | Two forms of unexpired ID with a signature, one government-issued with a photo |
| Licensing authority | Tennessee Department of Commerce and Insurance |
Verified against the Pearson VUE Tennessee candidate handbook (#124300) and content outlines (#124301), the Tennessee Department of Commerce and Insurance licensing and continuing education pages, and Public Chapter 57 of 2023. Fees and times change; confirm current figures with the Department and Pearson VUE before you apply.
Our free Tennessee Life & Health practice exam covers general and Tennessee 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 — Tennessee Life & Health Insurance Exam
How many questions are on the Tennessee Life and Accident & Health exams?
Each exam has 68 scored questions, made up of 50 general knowledge and 18 Tennessee-specific questions, plus 9 unscored pretest questions (5 general and 4 Tennessee). The time allowed is 1 hour 45 minutes per exam.
Is there a combined Life and Health exam in Tennessee?
No. Tennessee tests Life and Accident & Health as separate exams. Each costs $55, or $80 if you take Life and Accident & Health together.
What is the passing score for the Tennessee insurance exam?
The Department sets a passing score of 70 on a scaled score of 0 to 100. Pearson VUE reports one scaled score per exam. Passing candidates receive only a pass; failing candidates receive a numeric score and diagnostic feedback.
Does Tennessee require pre-licensing education?
Not for producer applicants. Public Chapter 57 of 2023 removed the prelicensing course requirement, and the Department's exam page lists a 30-hour prelicensing course only for title insurance.
How long must I wait to retake the Tennessee exam?
10 days after a first failure and 30 days after each later attempt, and you must wait 24 hours before making a retake reservation. Online (OnVUE) testing is limited to two attempts per exam line.
Do I need fingerprints for a Tennessee producer license?
Yes. After you pass, you are fingerprinted at IdentoGO for TBI and FBI criminal history checks, at least 2 business days before you apply.
How soon can I apply after passing the Tennessee exam?
For the electronic NIPR application, wait 48 hours after the exam. The filing fee is $50, and applications cannot be submitted at the test center.
What are Tennessee's continuing education requirements?
24 credit hours per biennial renewal period, 3 of them on ethics. Annuity producers also complete a one-time 4-credit course, and long-term care producers complete 8 hours once and 4 hours every 24 months.
Practice Exam Questions — Tennessee Life & Health
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which company administers the Tennessee insurance producer exams?
- Pearson VUE
- PSI
- Prometric
- The Department itself
How much is the Tennessee filing fee for a permanent or temporary producer license application?
- $50
- $25
- $110
- $200
How long must a candidate wait after taking the exam before submitting the electronic NIPR application?
- 48 hours
- 24 hours
- 7 days
- 30 days
Within what time must an insurer file a notice of appointment for a Tennessee producer, according to the Department?
- 15 days after the agency contract is executed or the first application is submitted
- 30 days after the producer is licensed
- 5 days after the exam
- 90 days after the first sale