Free Practice Questions for TN Life & Health

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.

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).

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.

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.

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.