Connecticut Life & Health Exam Overview

Welcome to OpenExamPrep's FREE Connecticut Life & Health Insurance exam prep guide. This comprehensive resource covers Connecticut-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam.

About the Connecticut L&H Exam

The Connecticut Life & Health insurance examination is administered by Pearson VUE on behalf of the Connecticut Insurance Department (CID). The exam tests your knowledge of:

• Connecticut insurance law and regulations
• Life insurance principles and coverages
• Health insurance including major medical, disability, and LTC
• Annuities and retirement products
• Ethics and professional conduct

Exam Structure

Cost Savings Tip: The combined Life & Health exam costs $79 compared to $108 for taking both exams separately ($54 each). If you need both licenses, the combined exam saves money and time.

Pre-Licensing Education Requirements

Connecticut requires state-approved pre-licensing education before you can sit for the exam.

Hours Required

Pre-Licensing Course Requirements

Important: Your Certificate of Course Completion is valid for only 1 year from the date you pass your pre-licensing course final exam. Plan accordingly to take your state exam within this window.

Exam Waivers for Professional Designations

Connecticut offers exam waivers for certain professional designations:

Life Insurance Exam Waiver

Applicants with these designations may request an exam waiver:

• CEBS (Certified Employee Benefit Specialist)
• ChFC (Chartered Financial Consultant)
• CIC (Certified Insurance Counselor)
• CFP (Certified Financial Planner)
• CLU (Chartered Life Underwriter)
• FLMI (Fellow, Life Management Institute)
• LUTCF (Life Underwriter Training Council Fellow)

Accident & Health Exam Waiver

Applicants with these designations may request an exam waiver:

• CEBS
• CLU
• HIA (Health Insurance Associate)
• REBC (Registered Employee Benefits Consultant)
• RHU (Registered Health Underwriter)

Note: A current Letter of Designation is required to request a waiver.

License Application Process

Step-by-Step Process

1. Complete Pre-Licensing Education

   • 40 hours for combined Life & Health
   • From a Connecticut-approved provider
   • Pass course final exam with 70%+
   • Obtain certificate of completion

2. Schedule Your Exam

   • Register with Pearson VUE
   • Pay exam fee ($54 single / $79 combined)
   • Choose testing center location

3. Take the Exam

   • Bring valid photo ID
   • Complete exam within time limit
   • Pass with 70%+ score
   • Results provided immediately

4. Apply for License

   • Submit application to CID
   • Through state portal or NIPR
   • Pay applicable fees

5. Receive License

   • License issued upon approval
   • Valid for 2 years
   • Complete CE for renewal

License Maintenance

Special Training Requirements

Connecticut may require additional training for specific products:

• Long-Term Care insurance training
• Annuity suitability training
• Flood insurance training (for applicable licenses)

Connecticut Insurance Department Contact

What This Guide Covers

This FREE study guide focuses on Connecticut state-specific content:

Chapter 1: Connecticut Insurance Regulation & Licensing

• Connecticut Insurance Department (CID) structure and authority
• Producer licensing requirements and continuing education
• Connecticut insurance statutes overview

Chapter 2: Connecticut Life Insurance Regulations

• Connecticut-specific life insurance laws
• Policy requirements and consumer protections
• Connecticut Life & Health Insurance Guaranty Association

Chapter 3: Connecticut Health Insurance Regulations

• Health insurance requirements in Connecticut
• Access Health CT (state marketplace)
• Group and individual health coverage rules

Chapter 4: Connecticut Ethics & Consumer Protection

• Fiduciary duties and professional conduct
• Prohibited practices and penalties
• Consumer complaint procedures

Note: This guide covers ONLY Connecticut state law. Complete the national Life & Health exam first for foundational knowledge.

Connecticut Insurance Market Context

Key Connecticut Insurance Facts

1. Insurance Industry Hub

   • Hartford known as "Insurance Capital of the World"
   • Many major insurers headquartered here
   • Strong insurance employment market

2. Regulatory Environment

   • Active regulatory oversight
   • Consumer protection emphasis
   • Comprehensive insurance code

3. Health Insurance Market

   • Access Health CT state marketplace
   • Strong individual and group markets
   • Significant employer-sponsored coverage

4. Demographics

   • Aging population requiring L&H products
   • High income levels
   • Diverse insurance needs

Study Tips for Connecticut Exam

Recommended Study Plan

Key Focus Areas

1. Connecticut Insurance Statutes

   • State-specific requirements
   • Consumer protection laws
   • Producer obligations

2. CID Authority

   • Regulatory powers
   • Enforcement actions
   • Complaint procedures

3. Policy Requirements

   • Connecticut-mandated provisions
   • Required disclosures
   • Prohibited practices

Next Steps

Ready to begin? Here's your action plan:

1. Enroll in pre-licensing course - 40 hours for combined L&H
2. Pass course final exam - 70% required
3. Complete this FREE study guide - Read all 4 chapters
4. Take chapter quizzes - Test your knowledge
5. Register with Pearson VUE - Within 1 year of course completion
6. Practice with full exams - Aim for consistent 80%+ scores
7. Pass exam - With confidence!

Remember: This guide focuses on Connecticut-specific content. Supplement with national L&H study materials for comprehensive preparation.

Let's get started with Chapter 1: Connecticut Insurance Regulation & Licensing!