200+ Free CT Life & Health Practice Questions

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Which Connecticut agency regulates insurance producers and insurers in the state?

Connecticut Department of Banking

Connecticut Insurance Department (CID)

Connecticut Department of Consumer Protection

Connecticut Office of Insurance Administration

to track

2026 Statistics

Key Facts: CT Life & Health Exam

12-CT-03

Exam Code

Pearson VUE Connecticut handbook

95 total

Delivered Questions

CT outline (80 scored + 15 pretest)

2h 30m

Exam Time

Pearson VUE Connecticut handbook

70%

Passing Score

Pearson VUE Connecticut handbook

$105

Exam Fee

Pearson VUE Connecticut handbook

24 CE / 3 law-ethics

Renewal Standard

CID producer licensing guidance

Pearson VUE lists exam 12-CT-03 at 2.5 hours, 70% passing, and a $105 fee. The current CT outline shows 95 total delivered items (80 scored + 15 pretest): 50 scored national questions and 30 scored Connecticut questions, with common CT law carrying the largest state-law weight. Resident licensing uses 20 prelicense hours per single line or 40 for the combined line, and renews every 2 years with 24 CE hours including 3 in law/regulations/ethics.

Sample CT Life & Health Practice Questions

Try these sample questions to test your CT Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Connecticut agency regulates insurance producers and insurers in the state?

A.Connecticut Department of Banking

B.Connecticut Insurance Department (CID)

C.Connecticut Department of Consumer Protection

D.Connecticut Office of Insurance Administration

Explanation: The Connecticut Insurance Department (CID) is the state regulator for insurance licensing, market conduct, and consumer protection. Producer compliance questions on the state section are tied to CID authority and enforcement powers.

2What is the exam code for Connecticut's combined Life, Accident and Health or Sickness Producer exam?

A.12-CT-01

B.12-CT-02

C.12-CT-03

D.12-CT-05

Explanation: Pearson VUE identifies the combined Connecticut producer exam as 12-CT-03. You should match your registration to this exact code to avoid booking the wrong line of authority exam.

3What is the Pearson VUE exam fee for Connecticut exam 12-CT-03?

A.$89

B.$99

C.$105

D.$120

Explanation: The Connecticut candidate handbook lists a $105 fee for exam 12-CT-03. This exam fee is separate from license application and renewal costs.

4How much testing time is provided for Connecticut's 12-CT-03 exam?

A.2 hours

B.2 hours 30 minutes

C.3 hours

D.3 hours 30 minutes

Explanation: Pearson VUE allocates 2.5 hours for the combined Connecticut Life and Health producer exam. Time pacing matters because both national and state questions are included in one session.

5What passing score is required on Connecticut exam 12-CT-03?

A.65%

B.70%

C.75%

D.80%

Explanation: Connecticut uses a 70% passing score for this producer exam. Candidates should aim above the minimum in practice because pretest items are mixed into the live exam.

6Based on the Connecticut content outline, how many total questions are delivered on exam 12-CT-03?

A.80

B.90

C.95

D.110

Explanation: The outline shows 50 scored + 10 pretest questions in general knowledge and 30 scored + 5 pretest in state law. That yields 95 total delivered questions, with 80 scored items.

7What is the scored/pretest split for the general-knowledge portion of Connecticut's combined Life/Health exam?

A.40 scored + 10 pretest

B.50 scored + 10 pretest

C.60 scored + 5 pretest

D.75 scored + 5 pretest

Explanation: The Connecticut Pearson outline states 50 scored plus 10 pretest questions for general knowledge. Those questions cover both life and health national concepts.

8What is the scored/pretest split for the Connecticut state-law portion of exam 12-CT-03?

A.20 scored + 5 pretest

B.25 scored + 5 pretest

C.30 scored + 5 pretest

D.30 scored + 10 pretest

Explanation: The state section contains 30 scored questions and 5 pretest questions. Connecticut-specific statutes, regulations, and producer duties are tested in this segment.

9Which domain carries the largest percentage in the general-knowledge outline for Connecticut's combined exam?

A.Life: completing the application, underwriting, and policy delivery

B.Health insurance: types of policies

C.Social insurance

D.Life insurance: retirement and other concepts

Explanation: The outline assigns the largest general-knowledge share to Health Insurance Types of Policies at 16. Life policy types and life policy provisions are each 15, so they are close but not the highest.

10Within the Connecticut state section, which area has the greatest number of scored questions?

A.Common insurance laws and regulations

B.Connecticut life insurance law

C.Connecticut health insurance law

D.All three areas are equally weighted

Explanation: The state outline allocates 18 scored questions to common laws and regulations, compared with 5 for life law and 7 for health law. That makes common regulatory content the dominant CT-specific test area.

About the CT Life & Health Exam

Connecticut's combined Life, Accident and Health producer exam (12-CT-03) blends national life/health insurance content with Connecticut statutes and CID compliance rules. State-law scoring is weighted most heavily toward common regulation and producer conduct topics.

Questions

95 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$105 (Connecticut Insurance Department (CID) / Pearson VUE)

CT Life & Health Exam Content Outline

20%

National Life Policy Types + Provisions

Life policy types (15%) plus life policy provisions/riders/options (15%) from the general section blueprint

20%

National Life Operations + Retirement

Applications/underwriting/delivery (12%) and retirement/other life concepts (8%)

22%

National Health Policy Content

Health policy types (16%) and health policy provisions/clauses/riders (15%) with overlap in mixed questions

38%

Connecticut State Law Supplement

30 scored CT questions: common law/regulation (18), CT life law (5), and CT health law (7)

How to Pass the CT Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 95 questions
Time limit: 2 hours 30 minutes
Exam fee: $105

Keys to Passing

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

CT Life & Health Study Tips from Top Performers

1Memorize exam logistics first: 95 delivered items, 2.5 hours, 70% passing, and $105 fee

2Prioritize CT common law/regulation because it accounts for 18 of the 30 scored state-law questions

3Drill timing rules in CT statutes (life grace/incontestability/reinstatement and health claim/legal-action timelines)

4Practice mixed sets that switch between national concepts and Connecticut statutory citations

5Use final-week review to confirm current Pearson outline and CID licensing updates

Frequently Asked Questions

How many questions are on Connecticut exam 12-CT-03?

The Connecticut outline lists 95 total delivered questions: 80 scored and 15 pretest. General knowledge includes 50 scored + 10 pretest, and the Connecticut state supplement includes 30 scored + 5 pretest.

What are the time limit, passing score, and exam fee?

Pearson VUE lists 2 hours 30 minutes, a 70% passing score, and a $105 exam fee for Connecticut Life, Accident and Health Producer exam 12-CT-03.

What prelicensing hours does Connecticut require?

Connecticut resident applicants need 20 hours for each single major line (Life or Accident/Health) or 40 hours for the combined Life and Accident/Health path. Waiver candidates and nonresidents have separate rules.

What continuing education applies after licensure?

Resident producers renew every 2 years by birth month and complete 24 CE hours each cycle, including at least 3 hours in law, regulations, or ethics.

What is the latest 2026 blueprint/update status?

As of February 27, 2026, Pearson's published CT life/health content outline remains effective October 27, 2025, and CID producer guidance shows a February 6, 2026 update marker. Always verify both sites near your appointment date.