Connecticut Life & Health Insurance Exam: Complete Guide

The Connecticut Life and Health insurance exam is your gateway to a Connecticut insurance career. With Hartford as the historic capital of the U.S. insurance industry, Connecticut produces some of the most prepared insurance professionals in the country — and the state exam reflects that high standard. Walking in unprepared is one of the biggest mistakes new candidates make.

Here's the complete guide to the Connecticut Life and Health insurance exam.

Who Administers the Exam

Connecticut insurance licensing exams are administered by Pearson VUE (recently rebranded as Pearson Professional Assessments) on behalf of the Connecticut Insurance Department. You register and schedule through Pearson VUE's website (home.pearsonvue.com/ct/insurance) or by phone at 866-407-2057.

Where You'll Take the Exam

Pearson VUE operates testing centers throughout Connecticut, with appointments typically available within 1-2 weeks of booking. Major testing locations include:

Hartford

New Haven

Stamford

Bridgeport

Waterbury

Other regional centers

Connecticut Exam Structure

Connecticut offers separate and combined exams for various lines of authority:

The combined Life and Health Producer exam is most common for new agents pursuing comprehensive life and health practice.

Passing score: 70% on every Connecticut insurance license exam.

Exam fee: $65 (paid to Pearson VUE at registration).

Choosing the Right Exam

If you're pursuing a combined Life and Health license, you have options:

Take the combined Life and Health exam. Single exam covering both content areas. 145 questions, ~2.5 hours. Most efficient path.

Take Life and Health exams separately. Two separate exams. Allows you to focus on one content area at a time but doubles exam fees and scheduling.

For most candidates, the combined exam is the practical choice.

The Two-Section Format

Connecticut exams have two sections:

General Knowledge. Insurance principles applicable in any state. Concepts like risk management, contract law, life insurance products, health insurance plans, and federal regulations.

State Law. Connecticut-specific insurance laws, rules, regulations, and practices unique to Connecticut.

You receive a single combined score for the entire exam.

Major Content Areas — General Knowledge

The General Knowledge section covers:

General Insurance Concepts. Risk and insurance principles, insurable interest, contract law basics, agent authority, regulatory framework.

Life Insurance Basics. Types of life insurance (term, whole, universal, variable), how each works, cash value, dividends, and the purposes life insurance serves.

Life Insurance Policies, Provisions, and Riders. Grace periods, reinstatement, incontestability, beneficiaries, policy loans, settlement options, and common riders.

Annuities. Fixed, variable, immediate, deferred. Accumulation and payout phases. Tax treatment. Suitability.

Accident and Health Insurance Basics. HMOs, PPOs, POS, EPOs. Individual vs. group coverage. Plan funding structures.

Accident and Health Policies and Provisions. Deductibles, coinsurance, copayments, out-of-pocket maximums, coordination of benefits, pre-existing condition rules.

Medical Plans and Specialized Coverage. Medicare, Medicaid (HUSKY Health in Connecticut), long-term care insurance, disability income insurance.

Federal Regulation. HIPAA, ERISA, ACA provisions, and federal rules affecting insurance.

Major Content Areas — Connecticut State Law

The State Law section covers:

Connecticut Insurance Code. Conn. Gen. Stat. Title 38a producer regulations.

Connecticut Licensing Requirements. Residency, age, application requirements, lines of authority.

Producer Conduct Standards. Honest representation, fiduciary duty, disclosure requirements, documentation.

Connecticut Unfair Trade Practices. Misrepresentation, twisting, churning, rebating, defamation, coercion, intimidation, unfair discrimination.

Connecticut Replacement Rules. Notice Regarding Replacement, comparison information, conservation period requirements.

Connecticut Senior Protection. Standards for senior client transactions.

Connecticut Annuity Best Interest Standard. Suitability and Best Interest requirements for annuity sales.

Connecticut Long-Term Care Requirements. Specific LTC training and the Connecticut Partnership Program.

Access Health CT. Connecticut's state-based health insurance exchange (a notable Connecticut feature).

Connecticut Continuing Education. 24 hours every 2 years (21 General + 3 Laws/Regs/Ethics).

Connecticut Insurance Department Authority. Powers and procedures of the CID.

What's Weighted Heaviest

The most heavily weighted sections on the Connecticut exam typically include:

Life insurance policies and provisions

Accident and Health policies and provisions

Connecticut-specific laws (typically 15-25% of exam)

Annuities

Medicare and specialized coverage

Strong performance in these areas is often the difference between passing and failing.

What to Expect on Test Day

Arrive at least 30 minutes early at your Pearson VUE testing center.

Bring two valid forms of identification. Both must be current and contain your name. The primary must be government-issued and photo-bearing with a signature. The secondary must contain a valid signature. Identification must be in English. Your name must exactly match the name on your registration.

Bring your Certificate of Completion. Required for entry. The Certificate must be valid (within 1 year of prelicense completion).

No phones, notes, books, or study materials in the testing room.

Scratch paper and pencil are typically provided.

On-screen calculator is available for basic math.

Results appear immediately after you submit. You'll receive a printed score report marked "pass" or "fail."

Taking the Exam: Navigation

Pearson VUE's testing interface allows you to:

Navigate forward and backward through questions

Flag questions to revisit later

Review flagged questions before submitting

See remaining time on screen

Time Management

For the combined Life and Health exam (145 questions, ~2.5 hours), you have approximately 1 minute per question on average. Most prepared candidates finish with time to spare.

Strategy:

Answer confidently known questions quickly

Flag uncertain questions and move on

Return to flagged questions after completing the rest

Review your answers if time permits

Never leave questions blank — guess rather than skip

After the Exam

If you pass: Your result reports electronically to the Connecticut Insurance Department. You can submit your license application through NIPR.

If you fail: You receive a score report showing performance areas. Use this for diagnostic purposes. You can retake the exam — pay another $65 fee and reschedule.

5 Frequently Asked Questions

• How many questions are on the Connecticut Life and Health combined exam? 145 questions. You have approximately 2.5 hours to complete them.
• What's the passing score? 70% on Connecticut insurance license exams.
• How much does the Connecticut insurance exam cost? $65 paid to Pearson VUE at registration.
• What identification do I need at the testing center? Two valid forms of current signature identification. Primary must be government-issued, photo-bearing, with signature. Names must exactly match your registration.
• Can I retake the Connecticut exam if I fail? Yes. There's no specific cap on retakes. Each attempt requires another $65 exam fee.

Walk Into the Connecticut Exam Prepared

Knowing what to expect removes half the stress. At JustInsurance, our Connecticut prelicense course is built around the Connecticut exam content outline — including the Connecticut-specific laws and regulations that catch unprepared candidates off guard.

Enroll today and prepare for the Connecticut exam the right way.