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Free Tennessee Life & Health Exam Prep

Tennessee Life, Accident, and Health Insurance

Pass your Tennessee Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

Tennessee Life & Health Insurance License: Complete Roadmap

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

1

General Insurance Concepts

Start with foundational insurance principles: risk management, contract law, policy provisions, and underwriting basics. These concepts form the basis for all insurance products.

12
hours
Start this step
2

Life Insurance & AnnuitiesYou are here

Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiaries, and Tennessee replacement regulations.

18
hours
3

Accident & Health Products

Study medical expense insurance, individual and group health plans, disability income, long-term care, Medicare Supplement, and Tennessee health insurance regulations.

15
hours
4

Tennessee Laws & Regulations

Focus on Tennessee-specific content: TDCI regulations, Tennessee Insurance Code (Title 56), TNLIGA guaranty association, unfair trade practices, and producer licensing requirements.

10
hours
Estimated total study time
55 hours
That's about 6 weeks at 10 hours/week

Can You Take the Tennessee Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
No pre-license education required (Tennessee is one of few states without mandatory pre-license, but education is highly recommended)
Background Check
Required - criminal background check
Fingerprinting
Required - electronic fingerprinting after passing exam
Additional Requirements
  • No mandatory pre-license education in Tennessee
  • Pre-license courses are recommended but not required by TDCI
  • Fingerprinting required after passing the licensing exam
  • 10-day wait required after first exam failure
  • 30-day wait required after subsequent exam failures
  • CE requirements: 24 hours per 2-year period (including ethics)
Why Choose Us

Free Tennessee Life & Health Prep That Actually Works

The official pass rate is ~65-70% (first attempt). Our students do better.

500+ 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

Tennessee Life & Health-Specific Topics Covered

Tennessee Department of Commerce and Insurance (TDCI) RegulationsTennessee Insurance Code (Title 56)Tennessee Life & Health Insurance Guaranty Association (TNLIGA)Tennessee No Mandatory Pre-License RequirementTennessee Exam Retake Waiting PeriodsTennessee Replacement RegulationsTennessee Senior Consumer Protections (Annuity Suitability)CoverTN and Tennessee Health Insurance ProgramsTennessee Unfair Trade Practices ActTennessee Producer Licensing Requirements
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Tennessee Life & Health Exam Details

Tennessee Life, Accident, and Health Insurance

Administered by Tennessee Department of Commerce and Insurance (TDCI)

Official Source
70%
Passing Score
150
Questions
2
Hours
$60 exam fee + $50 application fee
Exam Fee
Study time: 40-60 hours
Prerequisites: No pre-license education required (recommended but optional)

Exam Content Breakdown

Based on the official Tennessee Department of Commerce and Insurance (TDCI) content outline

General Insurance Concepts22%

~33 questions: Risk management, contract law, policy provisions

Life Insurance Products24%

~36 questions: Term, whole, universal life, policy features

Annuities & Taxation12%

~18 questions: Annuity types, taxation, suitability requirements

Health Insurance Products20%

~30 questions: Medical expense, disability, LTC, Medicare Supplement

Group Insurance8%

~12 questions: Group life, group health, COBRA, HIPAA

Tennessee Laws & Regulations14%

~21 questions: TDCI regulations, TNLIGA, unfair practices, licensing

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.

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What's Next After the Tennessee Life & Health?

After passing the Tennessee Life & Health, you can pursue these career paths

Tennessee Life & Health Exam FAQ

Official Tennessee Department of Commerce and Insurance (TDCI) Resources

Verify information with these official sources

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