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Key Facts: TN Life & Health Exam
N/A
First-Time Pass Rate
Not published by TDCI
68 Q
Exam Questions
50 general + 18 Tennessee scored per exam
0 hrs
Pre-License Education
Self-study allowed
24 hrs
CE Per Biennium
TN TDCI
Scaled 70
Passing Score
TN TDCI
$55
Exam Fee
Pearson VUE
Tennessee's life and health insurance exam requires no mandatory pre-license education — self-study is allowed. Each exam (Life or Accident & Health) has 68 scored questions (50 general + 18 Tennessee-specific) in 1 hour 45 minutes; the combined Life and A&H sitting is OnVUE-only at $80. Tennessee is overseen by the TDCI (Department of Commerce and Insurance), requires 24 hours of continuing education biennially after licensing, and its state sections test producer licensing, unfair trade practices, replacement and Medicare supplement rules.
Sample TN Life & Health Practice Questions
Try these sample questions to review concepts for the TN Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 624+ question experience with AI tutoring.
1Which Tennessee state agency is responsible for regulating the insurance industry, including life and health insurance?
2Which testing vendor administers the Tennessee life and health insurance licensing exams?
3How many hours of pre-licensing education are required for a Tennessee life insurance license?
4What is the passing score for the Tennessee Life & Health insurance licensing exam?
5The Tennessee Life & Health insurance licensing exam consists of how many questions?
6How many continuing education hours must a Tennessee life and health insurance producer complete every 2 years?
7In Tennessee, how many of the 24 required continuing education hours must be in ethics?
8What is the time limit for completing the Tennessee Life & Health insurance licensing exam?
9The examination fee for the Tennessee Life & Health insurance licensing exam is:
10A Tennessee insurance producer license is valid for:
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 Life and Health Insurance Guaranty Association, replacement regulations, annuity suitability, and Tennessee-specific unfair trade practices provisions including misrepresentation, false advertising, rebating, and unfair discrimination penalties.
Exam sponsor: Tennessee Department of Commerce and Insurance (TDCI) / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.
Questions
68 questions
Time Limit
1 hour 45 minutes (105 minutes) per exam
Passing Score
Scaled score of 70
Reported exam pass rate: Not published. Tennessee TDCI does not publish first-time pass rates Exam sponsor website
Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.
Official sources
- Pearson VUE Tennessee Insurance Candidate Handbook (fees $55 per exam; 1h45 Life and A&H; checked 2026-10-23)
- Tennessee TDCI
- TDCI Agent/Producer Licensing Packets, Instructions & Forms
- Tennessee Code (Title 56), LexisNexis public access
- Pearson VUE Tennessee Exams
- Pearson VUE Tennessee Insurance Content Outlines (effective October 7, 2026)
Our practice resources: topics covered
We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.
Life General Knowledge
Types of policies (15); policy riders, provisions, options and exclusions (15); completing the application, underwriting and delivery (12); retirement and other insurance concepts (8)
Life Tennessee-Specific Laws
Tennessee laws and rules common to all lines (14), including licensing, unfair practices and the guaranty association, plus life-only rules (4) on required provisions, disclosure, replacement and annuity suitability
Accident & Health General Knowledge
Types of policies (16); policy provisions, clauses and riders (15); social insurance (6); other insurance concepts (5); field underwriting procedures (8)
Accident & Health Tennessee-Specific Laws
Tennessee laws and rules common to all lines (14) plus A&H-only rules (4) on required provisions, cancellation and renewal, group and school coverage, Medicare supplement, long-term care, mandated coverages, external review and the ACA
Preparing for the TN Life & Health Exam
What You Need to Know
- Passing score: Scaled score of 70
- Exam length: 68 questions
- Time limit: 1 hour 45 minutes (105 minutes) per exam
- Exam / certification fees: $55 Official sources
Using Our Practice Resources
- Work through all 624 available questions
- Review every answer and explanation
- Track weak areas and revisit them
- Use our AI tutor for tough concepts
TN Life & Health: Suggested Study Strategy
Frequently Asked Questions
How many questions are on the Tennessee life and health insurance exam?
Each Tennessee Life or Accident & Health exam has 68 scored questions: 50 general knowledge and 18 Tennessee state-specific. You have 1 hour 45 minutes per exam and need a scaled score of 70 to pass. The exam fee is $55 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 Life and Health Insurance Guaranty Association?
The Tennessee Life and Health Insurance Guaranty Association protects Tennessee residents who hold life and health insurance policies and individual annuities when a member insurer is found insolvent and ordered liquidated, up to the limits in the Act. 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 Rule 0780-01-24 applies when life insurance or an annuity is replaced. The producer must present a signed Notice Regarding Replacement no later than taking the application, list the existing life insurance being replaced, leave the notice with the applicant and send a copy to the replacing insurer. The rule's purpose is to give purchasers information to decide in their own best interest, and the replacing and existing insurers also have duties.
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.