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Free CT L&H Exam Prep

Connecticut Life, Accident & Health Insurance

Pass your CT L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

Connecticut Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Exam Format + Regulatory FoundationYou are here

Lock in exam logistics, CID authority, producer licensing steps, and CUIPA/unfair-practice framework.

15
hours
2

Life Domains + Policy Provisions

Cover life policy types, provisions, riders, beneficiary/ownership rules, and Connecticut life statutory timelines.

20
hours
3

Health Domains + CT Health Statutes

Study health policy types, disability/LTC, Medicare supplement concepts, Access Health CT, and claim timeline provisions.

20
hours
4

Timed Mixed Sets + State-Law Drills

Run timed mixed practice and finish with statute-driven scenario review for high-weight state sections.

15
hours
Estimated total study time
70 hours
That's about 7 weeks at 10 hours/week

Can You Take the CT L&H Exam?

Check if you meet the basic eligibility requirements

Age
18+
Education
Prelicense education required for resident applicants unless exempt/waived
Additional Requirements
  • Pass Connecticut exam 12-CT-03 (or receive an approved waiver where applicable)
  • Submit producer licensing application through Connecticut's licensing workflow
  • Maintain license with biennial renewal by birth month and required CE

CT L&H Quick Facts

Time to Get Licensed

3-6 weeks

From start to license in hand

Exam Provider

Pearson VUE

Schedule Your Exam

Retake Policy

Retake scheduling and wait rules are administered through Pearson VUE/CID policies.

Total Cost Breakdown

Exam Fee$105
Total Estimated Cost$105+ (exam fee only; license filing and education costs are additional)
Why Choose Us

Free CT L&H Prep That Actually Works

The official pass rate is Not publicly reported by CID/Pearson VUE. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

5 chapters covering everything you need to pass

Learn More with AI

10 free AI interactions per day

CT L&H Exam Details

Connecticut Life, Accident & Health Insurance

Administered by Connecticut Insurance Department (CID) / Pearson VUE

Official Source
70%
Passing Score
95
Questions
2
Hours
$105 exam fee
Exam Fee
Study time: 60-90 hours
Prerequisites: Connecticut resident applicants complete 20 prelicense hours per line or 40 combined for Life + Accident/Health unless exempt/waived

Exam Content Breakdown

Based on the official Connecticut Insurance Department (CID) / Pearson VUE content outline

Life Insurance: Types + Provisions30% of general section

Life policy types (15) and life policy provisions/riders/options/exclusions (15)

Life Operations + Retirement20% of general section

Application/underwriting/policy delivery (12) and retirement/other concepts (8)

Health Insurance National Content50% of general section

Health policy types (16), provisions/clauses/riders (15), social insurance (6), other concepts (5), field underwriting (8)

Connecticut State Law Supplement30 scored state questions

Common law/regulation (18), Connecticut life law (5), Connecticut health law (7)

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

Connect with Ran

What's Next After the CT L&H?

After passing the CT L&H, you can pursue these career paths

CT L&H Exam FAQ

Official Connecticut Insurance Department (CID) / Pearson VUE Resources

Verify information with these official sources

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