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Which Tennessee state agency is responsible for regulating the insurance industry, including life and health insurance?

Tennessee Department of Financial Institutions

Tennessee Department of Commerce and Insurance (TDCI)

Tennessee Health Services Administration

Tennessee Insurance Commission

to track

2026 Statistics

Key Facts: TN Life & Health Exam

N/A

First-Time Pass Rate

Not published by TDCI

120 Q

Exam Questions

80 general + 40 state

0 hrs

Pre-License Education

Self-study allowed

24 hrs

CE Per Biennium

TN TDCI

70%

Passing Score

TN TDCI

$49

Exam Fee

Pearson VUE

Tennessee's life and health insurance exam requires no mandatory pre-license education — self-study is allowed. The exam has 120 questions (80 general + 40 state-specific) in 2 hours with a 70% passing score. Tennessee is overseen by the TDCI (Department of Commerce and Insurance), requires 24 hours of continuing education biennially after licensing, and tests heavily on the TN Insurance Guaranty Association, replacement regulations, and unfair trade practices.

Sample TN Life & Health Practice Questions

Try these sample questions to test your TN 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 Tennessee state agency is responsible for regulating the insurance industry, including life and health insurance?

A.Tennessee Department of Financial Institutions

B.Tennessee Department of Commerce and Insurance (TDCI)

C.Tennessee Health Services Administration

D.Tennessee Insurance Commission

Explanation: The Tennessee Department of Commerce and Insurance (TDCI) is the state agency that regulates the insurance industry in Tennessee. TDCI oversees insurance company licensing, producer licensing, consumer protection, and enforcement of insurance laws.

2Which testing vendor administers the Tennessee life and health insurance licensing exams?

A.Prometric

B.PSI Services

C.Pearson VUE

D.Thompson Prometric

Explanation: Pearson VUE is the exclusive testing vendor for Tennessee insurance licensing exams. Candidates can take exams at Pearson VUE testing centers or through remote OnVUE proctoring.

3How many hours of pre-licensing education are required for a Tennessee life insurance license?

A.20 hours

B.40 hours

C.60 hours

D.No pre-licensing education is required in Tennessee

Explanation: Tennessee does not require mandatory pre-licensing education for insurance producers. Candidates may self-study and register directly for the exam through Pearson VUE. However, after licensing, 24 hours of continuing education are required every 2 years (biennially).

4What is the passing score for the Tennessee Life & Health insurance licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: The passing score for the Tennessee Life & Health insurance licensing exam is 70%. Candidates must correctly answer 70% of the scored questions to pass.

5The Tennessee Life & Health insurance licensing exam consists of how many questions?

A.100 questions

B.120 questions

C.150 questions

D.130 questions

Explanation: The Tennessee Life & Health insurance licensing exam consists of 150 questions total (120 scored questions plus 10 pretest questions that are not counted).

6How many continuing education hours must a Tennessee life and health insurance producer complete every 2 years?

A.16 hours

B.24 hours

C.30 hours

D.40 hours

Explanation: Tennessee requires 24 hours of continuing education every 2 years for producers. This must include 3 hours of ethics training. Producers must complete CE before their license renewal date.

7In Tennessee, how many of the 24 required continuing education hours must be in ethics?

A.2 hours

B.3 hours

C.4 hours

D.5 hours

Explanation: Tennessee requires 3 of the 24 CE hours to be in ethics training. The ethics requirement ensures producers maintain high standards of professional conduct.

8What is the time limit for completing the Tennessee Life & Health insurance licensing exam?

A.2 hours

B.2.5 hours

C.3 hours

D.4 hours

Explanation: The Tennessee Life & Health insurance licensing exam allows 2.5 hours (150 minutes) for completion. This provides approximately 1 minute per question.

9The examination fee for the Tennessee Life & Health insurance licensing exam is:

A.$39

B.$49

C.$59

D.$75

Explanation: The examination fee for Tennessee insurance licensing exams is $49. This fee is paid directly to Pearson VUE when scheduling the exam.

10A Tennessee insurance producer license is valid for:

A.1 year

B.2 years

C.3 years

D.4 years

Explanation: Tennessee insurance producer licenses are valid for 2 years. Producers must complete continuing education requirements and renew their license before the expiration date.

About the TN Life & Health Exam

The Tennessee life, accident, and health insurance exam covers TDCI licensing requirements, the role of the Commissioner of Commerce and Insurance, Tennessee Insurance Guaranty Association, replacement regulations, annuity suitability, and Tennessee-specific unfair trade practices provisions including misrepresentation, false advertising, rebating, and unfair discrimination penalties.

Questions

120 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$49 (Tennessee Department of Commerce and Insurance (TDCI) / Pearson VUE)

TN Life & Health Exam Content Outline

25%

TN TDCI & Licensing

TDCI structure, Commissioner of Commerce and Insurance, no mandatory pre-license education, license types, appointment, CE (24 hrs/2 yrs)

25%

TN Life Insurance Laws

TN life insurance provisions, replacement regulations, annuity suitability, free look periods, beneficiary rules

25%

TN Health Insurance Laws

TN health policy requirements, small employer reform, Medicare supplement, long-term care, TennCare provisions

25%

TN Ethics & Practices

Unfair trade practices, misrepresentation, false advertising, rebating, unfair discrimination, TN Insurance Guaranty Association, TDCI penalties

How to Pass the TN Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 120 questions
Time limit: 2 hours
Exam fee: $49

Keys to Passing

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

TN Life & Health Study Tips from Top Performers

1Know that Tennessee has NO mandatory pre-license education — self-study is allowed, but 24 hrs/2 yrs CE is required after licensing

2Master the TDCI structure and the role of the Commissioner of Commerce and Insurance

3Understand TN Insurance Guaranty Association protections and limitations (surplus lines excluded)

4Study Tennessee replacement regulations: notice requirements and consumer's best interest standard

5Learn Tennessee unfair trade practices: misrepresentation, false advertising, rebating, unfair discrimination, and TDCI penalties

Frequently Asked Questions

How many questions are on the Tennessee life and health insurance exam?

The Tennessee life and health insurance exam has 120 total questions: 80 general knowledge questions and 40 Tennessee state-specific questions. You have 2 hours to complete the exam and need a score of 70% to pass. The exam fee is $49 and is administered by Pearson VUE.

Does Tennessee require pre-license education for insurance?

No, Tennessee does NOT require mandatory pre-license education for life and health insurance licensing. Self-study is allowed, making Tennessee one of the more accessible states for new insurance producers. However, after obtaining your license, Tennessee requires 24 hours of continuing education every two years (biennially).

What is the Tennessee Insurance Guaranty Association?

The Tennessee Insurance Guaranty Association protects policyholders when an insurance company becomes insolvent and is unable to pay claims. It provides coverage up to statutory limits for life, health, and annuity policies. Surplus lines insurance is not covered by the guaranty association. Agents are prohibited from using guaranty association coverage as a sales inducement.

What are Tennessee replacement regulations?

Tennessee replacement regulations require insurance producers to provide a replacement notice to consumers when an existing life insurance or annuity policy is being replaced. The producer must compare the existing and proposed coverage to ensure the replacement is in the consumer's best interest. Both the replacing insurer and the existing insurer have specific duties under Tennessee replacement rules.

What are unfair trade practices under Tennessee insurance law?

Tennessee insurance law prohibits unfair trade practices including misrepresentation of policy terms, false advertising, rebating (offering inducements not specified in the policy), and unfair discrimination in underwriting or rating. The TDCI (Department of Commerce and Insurance) enforces these provisions and can impose penalties including fines, license suspension, or license revocation.