Tennessee Life & Health Insurance License Practice Exam
68 scored questions, 70% to pass, 2-hour time limit. No mandatory pre-licensing required in Tennessee (eliminated March 2023). IdentoGO fingerprinting required after passing. Apply via NIPR — wait 48 hours after the exam.
Tennessee Life & Health — Study by Topic
Drill Tennessee state law (~18 scored Qs, 25–30% of exam) or practice national concepts. Full 68-question 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, HSA/HRA.
Tennessee State Law
TDCI, T.C.A. Title 56, no pre-licensing, 48-hr NIPR wait, IdentoGO fingerprinting, appointment 15 days, 10/30-day retakes, 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 simulating the Pearson VUE Tennessee Life & Health exam. 2 hours. 70% to pass.
About the Tennessee Life & Health Insurance License Exam
To get your Tennessee Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $62. Tennessee is regulated by the Tennessee Department of Commerce and Insurance (TDCI) under Tennessee Code Annotated Title 56. Visit tn.gov/commerce/insurance for official licensing information. IdentoGO fingerprinting after exam; Commissioner appointed; no pre-licensing; PSI Bridge available (2 online attempts then in-person); up to 12 hrs CE carryover; TCA Title 56; Tennessee L&H Guaranty Association; Nashville is growing insurance hub.
Pre-licensing education in Tennessee: None required. Continuing education: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). License renewal fee: biennial. CE must be completed before submitting your Tennessee renewal application. How to get licensed in Tennessee: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Tennessee producer license.
How to get a Tennessee Life & Health insurance license in 2026: The Tennessee Department of Commerce and Insurance (TDCI) (tn.gov/commerce/insurance) administers all producer licensing in Tennessee. Exam: PSI Services LLC, $62, 70%. Pre-licensing: None required. Once licensed, maintain your Tennessee Life & Health license by completing 24 hours + 3 ethics biennial (up to 12 hours CE carryover) and paying the biennial renewal. For questions contact the Tennessee Department of Commerce and Insurance (TDCI).
TDCI (tn.gov/commerce/insurance). TCA Title 56. Commissioner appointed. No pre-licensing. IdentoGO fingerprinting after exam. PSI Bridge — 2 online attempts then in-person. Up to 12 hrs CE carryover. TN L&H Guaranty Association.
Frequently Asked Questions — Tennessee Life & Health Exam
How do I get a Tennessee Life & Health insurance license?
To become a licensed Life & Health producer in Tennessee: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($62, 70%); (4) Apply for your Tennessee producer license. The Tennessee Department of Commerce and Insurance (TDCI) (tn.gov/commerce/insurance) oversees all insurance producer licensing in Tennessee.
What exam does Tennessee use for Life & Health insurance licensing?
Tennessee uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $62. Passing score: 70%. IdentoGO fingerprinting after exam; Commissioner appointed; no pre-licensing; PSI Bridge available (2 online attempts then in-person); up to 12 hrs CE carryover; TCA Title 56; Tennessee L&H Guaranty Association; Nashville is growing insurance hub.
Does Tennessee require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit tn.gov/commerce/insurance.
What are Tennessee's CE requirements for Life & Health producers?
Tennessee requires: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Tennessee Department of Commerce and Insurance (TDCI) at tn.gov/commerce/insurance for CE provider information.
What makes Tennessee unique for Life & Health insurance licensing?
IdentoGO fingerprinting after exam; Commissioner appointed; no pre-licensing; PSI Bridge available (2 online attempts then in-person); up to 12 hrs CE carryover; TCA Title 56; Tennessee L&H Guaranty Association; Nashville is growing insurance hub.
Practice Exam Questions — Tennessee Life & Health
5 state-specific questions drawn from the Tennessee exam content outline. Correct answer highlighted in green.
Tennessee L&H exams are administered by:
- Pearson VUE
- Prometric
- PSI Services LLC — PSI Bridge available up to 2 online attempts then in-person; exam fee $62; 70% to pass; no pre-licensing required; IdentoGO fingerprinting after exam
- TDCI directly
Tennessee fingerprinting timing:
- Done at PSI test center on exam day (same as Oregon)
- Done before applying via NIPR (same as SC)
- Done AFTER passing the exam via IdentoGO — candidates pass the PSI exam, THEN schedule IdentoGO separately; different from Oregon (same-day at PSI) and Nevada (within 90 days of applying)
- Done before applying via Fieldprint
Tennessee CE carryover allows:
- No carryover
- Up to 6 hours carryover
- Up to 12 hours of excess CE may carry over to the next biennial renewal period — shared with Kentucky; most portfolio states allow no carryover; Oklahoma allows 6 hours
- Unlimited CE carryover
Tennessee CE requires:
- 24 hours + 3 ethics biennial — up to 12 hrs carryover; PSI Bridge 2 online attempts then in-person; IdentoGO after exam; TDCI: tn.gov/commerce; TCA Title 56; Commissioner appointed
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
Tennessee's primary insurance statute is:
- TCA Title 39 — Criminal Law
- Tennessee Code Annotated (TCA) Title 56 — Insurance; TDCI at tn.gov/commerce/insurance; 500 James Robertson Pkwy, Nashville TN 37243; Commissioner appointed
- Tennessee Administrative Regulations Chapter 0780
- TCA Title 55 — Motor Vehicles