Tennessee Life & Health Insurance License Exam Overview
The Tennessee Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Tennessee Department of Commerce and Insurance (TDCI). Tennessee offers a growing market with Nashville and Memphis metropolitan areas.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 68 multiple-choice (Life); varies by line |
| Time Limit | 2 hours |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $49 |
| Pre-licensing Education | Not required |
Why Get Licensed in Tennessee?
- No pre-licensing required — Fast licensing
- No income tax — Tax-friendly for agents
- Nashville growth — Healthcare hub
- Memphis market — Logistics and healthcare
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Key Topics Covered
Life Insurance (30%)
| Feature | TN Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- TennCare (Medicaid)
- CoverKids (CHIP)
TN Insurance Regulations (15%)
- Tennessee Code Title 56
- Department of Commerce authority
| Topic | TN Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years (3 hours ethics) |
| Passing score | 70% |
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