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Which state agency is responsible for regulating insurance companies and producers in Colorado?

Colorado Insurance Commission

Colorado Division of Insurance (DOI)

Colorado Corporation Commission

Colorado Department of Financial Services

to track

2026 Statistics

Key Facts: CO Life & Health Exam

2 exams

Life (01) + A&H (02)

Pearson VUE Colorado exam list (2026 handbook)

50 + 30

Scoreable Q per Exam

Colorado Pearson VUE content outlines

2h each

Exam Time

Pearson VUE Colorado exam list

$42

Exam Reservation Fee

Colorado handbook forms/fees table (effective Feb 2026 update)

24 hrs

CE Every 2 Years

Colorado producer continuation requirements

2026

Health Rule Updates

CO DOI emergency regs 25-E-03 and 25-E-05

Colorado's current Pearson VUE handbook (last updated February 10, 2026) lists separate 2-hour Life and Accident & Health exams. Each exam uses 50 national scoreable questions plus 30 Colorado-specific scoreable questions, with additional pretest items. Colorado licensing law requires prelicensing for each qualification and ongoing CE with ethics. For 2026 plan year, Colorado DOI emergency regulations updated Colorado Option standard-plan and renewal-notice timelines.

Sample CO Life & Health Practice Questions

Try these sample questions to test your CO Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Colorado?

A.Colorado Insurance Commission

B.Colorado Division of Insurance (DOI)

C.Colorado Corporation Commission

D.Colorado Department of Financial Services

Explanation: The Colorado Division of Insurance (DOI) is the state agency that regulates all insurance activities in Colorado under Title 10 of the Colorado Revised Statutes. The Colorado Division of Insurance, part of DORA, regulates insurers and producers statewide. Colorado does not use an insurance corporation-commission model.

2How is the Colorado Commissioner of Insurance selected?

A.Elected by popular vote in a statewide election

B.Appointed by the Governor and confirmed by the Colorado State Senate

C.Appointed by the Colorado Legislature

D.Selected by a board of insurance industry representatives

Explanation: In Colorado, the Colorado Commissioner of Insurance is appointed by the Governor and must be confirmed by the Colorado State Senate. This differs from some states where the insurance commissioner is elected by popular vote. The Commissioner leads market conduct, solvency oversight, licensing, and consumer-protection enforcement for Colorado insurance markets.

3Under Colorado law, which title of the Colorado Revised Statutes governs insurance regulation?

A.Title 7 - Corporations and Associations

B.Title 10 - Insurance

C.Title 32 - Professions and Occupations

D.Title 44 - Trade and Commerce

Explanation: Title 10 of the Colorado Revised Statutes is the Colorado Insurance Code. It governs insurer licensing, producer regulation, policy standards, and enforcement authority for the Division of Insurance. Other titles address different subject areas and are not the primary insurance code.

4What is the minimum age requirement to obtain an insurance producer license in Colorado?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Colorado requires that insurance producer license applicants be at least 18 years of age. This is consistent with the age of majority in Colorado and ensures that licensees can legally enter into contracts on behalf of the insurers they represent. Applicants who are 16 or 17 years old are too young to be licensed.

5A Colorado resident applying for a life and health insurance producer license must complete which of the following before taking the state licensing examination?

A.A 50-hour pre-licensing education course

B.A 20-hour pre-licensing education course

C.A college degree in business or finance

D.An apprenticeship with a licensed producer

Explanation: Colorado requires resident producer applicants to complete 50 hours of approved pre-licensing education for a combined life and health insurance license. The education must cover life insurance, accident and health insurance, and Colorado insurance law. A college degree and apprenticeship are not required, and 20 hours is insufficient for the combined line of authority.

6How many hours of continuing education (CE) must a Colorado insurance producer complete every continuation cycle?

A.12 hours per year

B.24 hours per year

C.24 hours every two years

D.30 hours every two years

Explanation: Colorado requires 24 hours of CE every two years, including a 3-hour ethics component. Some product lines also require one-time or periodic line-specific training, such as annuity or long-term care training. Producers who miss CE deadlines cannot legally continue transacting until continuation issues are resolved.

7A Colorado insurance producer fails to renew their license before the expiration date. What is the consequence under Colorado law?

A.The license is automatically renewed with a late fee

B.The producer may continue selling for 30 days while completing renewal

C.The producer must cease all insurance activities until the license is reinstated

D.Colorado Division of Insurance (DOI) will issue a temporary permit valid for 90 days

Explanation: Under Colorado law, a producer whose license has expired must immediately cease all insurance activities. Transacting insurance without a valid license is a violation of Title 10 and may result in penalties. There is no automatic renewal, no grace period to continue selling, and Colorado Division of Insurance (DOI) does not issue temporary permits for lapsed licenses.

8Which of the following actions would the Colorado Commissioner of Insurance be authorized to take against a licensed producer who violates Colorado insurance law?

A.Impose criminal penalties including imprisonment

B.Revoke, suspend, or refuse to renew the producer's license and impose civil penalties

C.Order the producer to pay restitution directly to consumers without a hearing

D.Transfer the producer's license to another state for disciplinary proceedings

Explanation: The Colorado Commissioner of Insurance has authority to revoke, suspend, or refuse to renew a producer's license and impose civil penalties for violations of insurance laws. Criminal penalties require prosecution through the court system, not the Director's office. The Director cannot order restitution without due process, and licenses are state-specific.

9A nonresident producer wants to sell life and health insurance in Colorado. Which of the following is required?

A.The producer must establish a physical office in Colorado

B.The producer must hold a valid license in their home state and apply for a nonresident license through NIPR

C.The producer must pass the Colorado insurance producer examination

D.The producer must complete Colorado's 50-hour pre-licensing course

Explanation: Under Colorado's reciprocal licensing provisions, a nonresident producer must hold a valid license in their home state and apply for a nonresident license through the National Insurance Producer Registry (NIPR). They are generally not required to retake the licensing exam or complete Colorado's pre-licensing education, nor must they establish a physical office in Colorado.

10Under Colorado's CE requirements, how many of the 24 required biennial hours must be in ethics?

A.3 hours

B.6 hours

C.10 hours

D.12 hours

Explanation: Colorado requires that 3 of the 24 biennial continuing education hours be dedicated to ethics training. This ethics component ensures producers maintain current knowledge of ethical standards and regulatory compliance. 6 hours, 10 hours, and 12 hours exceed Colorado's minimum ethics requirement.

About the CO Life & Health Exam

Colorado licenses Life (01) and Accident & Health (02) as separate producer exams administered by Pearson VUE. Candidates are tested on national life/health knowledge plus Colorado statutes and regulations in Title 10, including producer duties, unfair trade practices, replacement, and health policy rules.

Questions

181 scored questions

Time Limit

2 hours per exam (4 hours if taking Life + A&H)

Passing Score

Pass/fail standard set by Colorado DOI

Exam Fee

$42 exam reservation (up to 2 exams) (Colorado Division of Insurance (DORA) / Pearson VUE)

CO Life & Health Exam Content Outline

31%

Life General Knowledge

Life policy types, provisions/riders/options, underwriting and delivery, retirement concepts, and annuity fundamentals

31%

Accident & Health General Knowledge

Health policy types and provisions, social insurance, disability/LTC concepts, and field underwriting procedures

24%

Colorado Common Statutes & Producer Duties

Producer licensing, fiduciary obligations, unfair trade practices, claims rules, commissioner authority, and complaint/enforcement framework

14%

Colorado Line-Specific Statutes

Life-only and A&H-only Colorado rules including replacement, annuity suitability, Medicare supplement, and state health mandates

How to Pass the CO Life & Health Exam

What You Need to Know

Passing score: Pass/fail standard set by Colorado DOI
Exam length: 181 questions
Time limit: 2 hours per exam (4 hours if taking Life + A&H)
Exam fee: $42 exam reservation (up to 2 exams)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CO Life & Health Study Tips from Top Performers

1Treat Colorado as a two-exam track: plan separate readiness for Life and A&H instead of relying on one combined score

2Prioritize outline-heavy domains first: policy provisions/riders and Colorado common statutes are high-frequency areas

3Memorize Colorado licensing mechanics: continuation cycle, CE ethics minimum, and enforcement triggers under Title 10

4Practice replacement and suitability scenarios with Colorado wording, not just national model-law language

5Review 2026 Colorado health-rule updates (standard-plan and renewal-timeline changes) for current compliance context

Frequently Asked Questions

Does Colorado have one combined life-and-health exam?

Colorado typically tests Life (01) and Accident & Health (02) as separate exams. Each exam appointment is 2 hours, and many candidates schedule both as part of one licensing track.

How many questions are on Colorado's life and health producer exams?

From the Colorado Pearson VUE content outlines: each exam includes 50 national scoreable questions and 30 Colorado scoreable questions, plus pretest items. That means the two-line path totals 160 scoreable questions across both exams.

What are Colorado's exam fees in 2026?

Colorado's Pearson VUE candidate handbook lists a $42 exam reservation fee that may include up to two exams in the reservation. Separate licensing filing and fingerprint/background costs also apply.

What prelicensing education does Colorado require?

Colorado statute requires prelicensing education for each resident producer qualification before examination. The commonly tested standard is 50 hours per qualification, so candidates pursuing both Life and A&H should plan line-specific coursework.

What CE applies after licensure in Colorado?

Colorado producers must complete 24 hours of continuing education every 2 years, including ethics content. Line-specific products like annuities and long-term care also have additional training requirements.