Delaware Life & Health Insurance License Exam Overview
The Delaware Life & Health Insurance License Exams are administered by Pearson VUE on behalf of the Delaware Department of Insurance (DOI). Despite being the second-smallest state, Delaware offers a concentrated market with high per-capita income.
Exam Format at a Glance
Delaware requires two separate exams for Life & Health licensing:
| Component | Life Exam | Accident & Health Exam |
|---|---|---|
| Total Questions | 101 (90 scored, 11 pretest) | 110 (92 scored, 18 pretest) |
| Time Limit | 135 minutes | 135 minutes |
| Passing Score | 70% | 70% |
| Testing Vendor | Pearson VUE | Pearson VUE |
| Exam Fee | $90 (or $90 total if both taken same day) | $90 (or $90 total if both taken same day) |
| Pre-licensing Education | Not required | Not required |
Why Get Licensed in Delaware?
- High income market — Wealthy clientele
- Corporate hub — Many businesses incorporated here
- Small but concentrated — Easy to network
- Strategic location — Philadelphia/Baltimore proximity
- Business-friendly — Low regulatory burden
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Key Topics Covered on the Exam
1. Life Insurance Products (30%)
Key Policy Features:
| Feature | Delaware Standard |
|---|---|
| Grace Period | 30 days (individual), 31 days (group) |
| Incontestability | 2 years |
| Suicide Clause | 2 years |
| Free Look | 10 days (20 days for replacements) |
2. Health Insurance Products (30%)
Delaware-Specific Topics:
- Healthcare.gov (Delaware uses federal exchange)
- Delaware Medicaid
- CHIP (Delaware Healthy Children Program)
- Essential health benefits
3. Annuities (15%)
- Fixed and variable annuities
- Suitability requirements
- Surrender provisions
4. Delaware Insurance Regulations (15%)
Key Delaware Laws:
- Title 18 Delaware Code (Insurance)
- DOI authority and powers
- Producer licensing requirements
- Unfair trade practices
5. Ethics (10%)
- Fiduciary duties
- Disclosure requirements
- Privacy protections
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance | 12-15 |
| Week 2-3 | Health insurance | 12-15 |
| Week 3-4 | Annuities/Delaware regs | 12-15 |
| Week 4-5 | Practice exams | 12-15 |
Total recommended study time: 50-60 hours
Delaware-Specific Exam Tips
Key Numbers to Know
| Topic | Delaware Requirement |
|---|---|
| Grace period | 30 days (individual), 31 days (group) |
| Free look | 10 days (20 days for replacements) |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years (3 hours ethics) |
| Passing score | 70% |
| Exam fee | $90 (both exams same day = $90 total) |
| License application | $100 + $5.60 transaction fee (via NIPR) |
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