Connecticut Life & Health Insurance License Exam Overview
The Connecticut Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Connecticut Insurance Department (CID). Connecticut offers a sophisticated insurance market with major carriers headquartered in Hartford, the historic "Insurance Capital of the World."
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 145 multiple-choice |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $79 (combined); $54 (single line) |
| Pre-licensing Education | 40 hours required |
Why Get Licensed in Connecticut?
- Insurance Capital — Hartford headquarters for major carriers
- Wealthy market — High net worth clients
- Dense population — Small state, many prospects
- Industry connections — Career advancement opportunities
- High compensation — Above-average commissions
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
Types of Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life products
Key Policy Features:
| Feature | Connecticut Standard |
|---|---|
| Grace Period | 60 days (life insurance) |
| Incontestability | 2 years |
| Suicide Clause | 2 years |
| Free Look | 10 days |
2. Health Insurance Products (30%)
Coverage Types:
- Major medical insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplements
Connecticut-Specific Topics:
- Access Health CT (state exchange)
- HUSKY Health (Medicaid/CHIP)
- Connecticut mental health parity
- Essential health benefits
3. Annuities (15%)
- Fixed and variable annuities
- Connecticut suitability requirements
- Surrender provisions
- Tax considerations
4. Connecticut Insurance Regulations (15%)
Key Connecticut Laws:
- Connecticut General Statutes Title 38a
- CID authority and powers
- Producer licensing requirements
- Unfair trade practices
5. Ethics and Professional Conduct (10%)
- Fiduciary duties
- Disclosure requirements
- Anti-rebating rules
- Privacy protections
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance fundamentals | 12-15 |
| Week 2-3 | Health insurance products | 12-15 |
| Week 3-4 | Annuities and specialty | 8-10 |
| Week 4-5 | Connecticut regulations | 10-12 |
| Week 5-6 | Practice exams and review | 12-15 |
Total recommended study time: 55-65 hours
🎯 Free Practice Questions Available
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Connecticut-Specific Exam Tips
1. Know Connecticut Insurance Laws
- Title 38a — Connecticut Insurance Code
- Access Health CT — State-based exchange
- HUSKY Health — Medicaid/CHIP program
- CID powers — Regulatory authority
2. Master These Numbers
| Topic | Connecticut Requirement |
|---|---|
| Grace period | 60 days (life insurance) |
| Free look | 10 days |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years (3 hrs ethics) |
| Passing score | 70% |
| Guaranty Association | $500,000 per insured life |
3. Understand State Exchange
Connecticut is one of few states operating its own health insurance exchange (Access Health CT), which is tested on the exam.
After Passing Your Exam
- Apply online through CID
- Complete background check
- Pay license fee
- Start selling after approval
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