Key Takeaways
- Vermont has NO mandatory pre-licensing education requirement for Life & Health insurance
- The exam (Series 14-29) has 150 questions with a 150-minute time limit and 70% passing score
- Prometric administers Vermont insurance licensing exams
- Must wait 48 hours after passing before applying for license through NIPR
- Vermont Department of Financial Regulation (DFR) regulates all insurance activities
Vermont Life & Health Insurance Exam
Welcome to the Vermont Life & Health Insurance Exam study guide. This comprehensive resource covers Vermont-specific insurance laws, regulations, and practices required for your state licensing exam.
About Vermont's Life & Health License
Vermont requires insurance producers to pass the Life, Accident, and Health and HMO Insurance Agent Examination to sell life and health insurance products in the state. The license is regulated by the Vermont Department of Financial Regulation (DFR), which oversees all insurance activities in Vermont.
What This Exam Covers
This guide focuses exclusively on Vermont state law and regulations:
- Vermont Department of Financial Regulation structure and authority
- State licensing requirements and procedures
- Vermont life insurance laws and policy requirements
- Health insurance regulations specific to Vermont
- State consumer protections and disclosures
- Vermont-specific policy provisions and endorsements
- Ethics and professional conduct under Vermont law
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Exam Structure
Life, Accident, and Health and HMO Insurance Agent Examination (Series 14-29)
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Passing Score | 70% |
| Time Limit | 150 minutes (2.5 hours) |
| Exam Fee | $50 |
| Test Provider | Prometric |
| Format | Multiple choice, computer-based |
Pre-License Education Requirements
Vermont has NO mandatory pre-licensing education requirement:
- No required classroom hours
- No mandated online courses
- No approved education providers needed
Recommended Preparation
Although not required, due to the difficulty of the exam, it is highly recommended that you:
- Enroll in a study course
- Study 40-60 hours of exam content
- Take multiple practice exams
- Review Vermont insurance laws thoroughly
Note: While Vermont doesn't require pre-licensing education, most insurance professionals opt to take a course online or purchase self-study materials.
Exam Registration
Schedule your exam with Prometric:
- Online: prometric.com
- Phone: (800) 868-6113
- Options: Physical testing center or remote online proctored exam
Exam Day Requirements
On exam day, you must bring:
- One valid form of government-issued ID (driver's license, passport, military ID)
- ID must contain a photograph AND a signature
You will NOT be able to take the exam without these requirements.
License Application Process
After passing the exam:
- Wait 48 Hours: Required waiting period before applying
- Apply Online: Through NIPR or Sircon
- Pay Application Fee: $60
- License Issued: After DFR review
Important: You should submit your completed license application within 12 months of passing the exam.
Key Application Details
- Must be at least 18 years old
- Pass the proper licensing exam
- Apply through NIPR or Sircon
- Application fee is $60
Continuing Education Requirements
To maintain your Vermont Life & Health license:
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics Hours | Required (included in total) |
| Renewal Cycle | Every 2 years |
Vermont Department of Financial Regulation
The DFR - Licensing Division regulates insurance in Vermont:
Contact Information
- Phone: (802) 828-3303
- Website: dfr.vermont.gov
- Address: 89 Main Street, 2nd Floor, Montpelier, VT 05620-3101
What This Study Guide Covers
This guide is organized into the following chapters:
- Chapter 1: Vermont Insurance Regulation & Licensing
- Chapter 2: Vermont Life Insurance Laws
- Chapter 3: Vermont Health Insurance Laws
- Chapter 4: Vermont Policy Provisions & Consumer Protections
Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.
Study Recommendations
Timeline
6-8 Weeks Before Exam:
- Begin studying Vermont insurance law
- Review national Life & Health concepts
- Take diagnostic practice tests
4 Weeks Before Exam:
- Focus on weak areas identified
- Complete practice quizzes daily
- Memorize key Vermont requirements
2 Weeks Before Exam:
- Take full-length practice exams
- Review Vermont-specific regulations
- Schedule your exam with Prometric
1 Week Before Exam:
- Final review of key topics
- Focus on Vermont laws and rules
- Get adequate rest
Test-Taking Tips
Before the Exam
- Register with Prometric online or by phone
- Pay $50 exam fee at time of reservation
- Choose in-person or remote testing
- If in-person, arrive early at the test center
- Bring valid government-issued ID with photo and signature
During the Exam
- Read carefully: Every word matters
- Watch for negatives: "NOT", "EXCEPT", "LEAST"
- Eliminate wrong answers: Narrow choices
- Flag difficult questions: Return later
- Manage time: ~1 minute per question
- Don't overthink: Trust your preparation
After the Exam
- Results provided immediately
- If you pass: Wait 48 hours, then apply through NIPR
- If you fail: Reschedule and pay new exam fee
Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Vermont Department of Financial Regulation, as laws and requirements may change.
Does Vermont require pre-licensing education before taking the Life & Health insurance exam?
How many questions are on the Vermont Life, Accident, and Health and HMO Insurance Agent Examination?
How long must you wait after passing the Vermont insurance exam before applying for your license?
What is the Vermont insurance exam fee?
What is the Vermont insurance license application fee?