200+ Free VT Life & Health Practice Questions

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Question 1

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

Vermont Department of Financial Regulation (DFR)

Vermont Department of Banking and Licensing

Vermont Office of Insurance Counsel

Vermont Secretary of Commerce Insurance Division

to track

2026 Statistics

Key Facts: VT Life & Health Exam

150 + 5

Scored + Unscored

Prometric VT 14-29 content outline

150 min

Exam Time

Prometric VT 14-29 content outline

70%

Passing Benchmark

VT prep benchmark; Prometric reports pass/fail

$67.60

Exam Fee

Vermont Licensing Information Bulletin (effective Jan 1, 2026)

Jan 1, 2026

Current Bulletin Effective Date

Prometric Vermont Licensing Information Bulletin

24 hrs + 3 ethics

Resident CE

Vermont DFR CE requirements

15 days

Appointment Timing

Vermont DFR producer FAQ

As of February 28, 2026, Vermont's current Prometric life/health bulletin is effective January 1, 2026. The official 14-29 outline tests 150 scored questions plus 5 unscored in 150 minutes, with domain weights emphasizing life foundations/policies and group-health/senior-market content, plus dedicated Vermont law sections for common, life/annuity, and accident/health statutes.

Sample VT Life & Health Practice Questions

Try these sample questions to test your VT 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 Vermont agency regulates insurance producers and insurers in the state?

A.Vermont Department of Financial Regulation (DFR)

B.Vermont Department of Banking and Licensing

C.Vermont Office of Insurance Counsel

D.Vermont Secretary of Commerce Insurance Division

Explanation: The Vermont Department of Financial Regulation is the primary insurance regulator for producer licensing, market conduct, and enforcement. DFR authority and producer duties are core parts of Vermont state-law testing.

2What is the Prometric exam code for the Vermont combined Life, Accident and Health producer exam?

A.14-19

B.14-29

C.14-39

D.16-29

Explanation: Vermont identifies the combined producer exam as Series 14-29. Knowing the code prevents scheduling mistakes and helps candidates match the correct content outline.

3How many scored questions are on Vermont Series 14-29?

A.130

B.140

C.150

D.155

Explanation: The official Vermont 14-29 outline lists 150 scored questions. Candidates should prepare for full-length timing across all national and Vermont law domains.

4How many unscored (pretest) questions are delivered on Vermont Series 14-29?

A.0

B.3

C.5

D.10

Explanation: Prometric lists 5 unscored items in addition to scored questions. These items are mixed into the exam and are not identified to the candidate.

5What is the testing time limit for Vermont Series 14-29?

A.120 minutes

B.135 minutes

C.150 minutes

D.180 minutes

Explanation: The 14-29 exam provides 150 minutes, or 2.5 hours. Time management is important because questions cover both product knowledge and Vermont-specific statutes.

6What is the minimum age to qualify for a Vermont producer license?

A.16

B.18

C.19

D.21

Explanation: Vermont requires producer applicants to be at least 18 years old. This requirement appears in DFR licensing guidance tied to Title 8 producer law.

7What is the Vermont resident producer license term for life and health authority?

A.January 1 to December 31 each year

B.April 1 to March 31 of odd years

C.Birthday month every two years

D.Issue date anniversary every two years

Explanation: Vermont uses a fixed statewide producer term from April 1 to March 31 of odd-numbered years. This differs from states that tie expiration to a birth month or issue date.

8When does the Vermont resident producer renewal window generally open?

A.30 days before expiration

B.60 days before expiration

C.90 days before expiration

D.Only on expiration date

Explanation: NIPR guidance for Vermont renewals states the renewal period starts 90 days prior to expiration. Producers should use that window to resolve CE and compliance items before the March 31 deadline.

9What continuing education package is required for a typical Vermont resident producer renewal?

A.12 total hours with no ethics requirement

B.20 total hours with 2 ethics hours

C.24 total hours including 3 ethics hours

D.30 total hours including 6 ethics hours

Explanation: Vermont CE standards require 24 approved hours each cycle, including at least 3 ethics credits. CE completion is a renewal condition, not an optional post-renewal task.

10Under Vermont CE rules, how many hours can be credited from insurance agency management courses?

A.2 hours maximum

B.4 hours maximum

C.6 hours maximum

D.10 hours maximum

Explanation: Vermont limits insurance agency management credit to 6 of the required 24 CE hours. This prevents producer CE from being dominated by management-only material instead of coverage and compliance content.

About the VT Life & Health Exam

Vermont Series 14-29 combines national life and health fundamentals with Vermont producer law, annuity best-interest rules, replacement requirements, Medicare/LTC standards, and Vermont-specific life and health statutes.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70% (industry benchmark)

Exam Fee

$67.60 (Vermont Department of Financial Regulation / Prometric)

VT Life & Health Exam Content Outline

Life Basics

Personal/business uses of life insurance, insurable interest, and foundational life-policy concepts

24%

Life Policies, Provisions, and Annuities

Life policy classes (9%), life provisions/options/riders (7%), annuities (8%), and related recommendation scenarios

17%

Health Foundations and Individual/Disability

A&H basics (2%), individual health provisions (6%), and disability income concepts (6%)

22%

Medical, Group, and Senior Markets

Medical plans (6%), group A&H (9%), and senior/special-needs insurance including Medicare topics (7%)

Tax and Federal Considerations

Federal tax treatment of life insurance and annuities as tested in the Vermont outline

16%

Vermont-Specific Law

Common VT law (5%), VT life/annuity statutes and rules (6%), and VT accident/health statutes and rules (5%)

How to Pass the VT Life & Health Exam

What You Need to Know

Passing score: 70% (industry benchmark)
Exam length: 150 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $67.60

Keys to Passing

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

VT Life & Health Study Tips from Top Performers

1Memorize Vermont exam logistics first: 150 scored + 5 unscored, 150 minutes, and the current 2026 bulletin baseline

2Prioritize high-weight life and health domains before lower-weight sections

3Drill Vermont law anchors: producer duties, appointments, unfair practices, annuity best-interest, and replacement

4Practice senior-market scenarios on Medicare supplement, LTC suitability, and continuation coverage

5Run timed mixed sets and review misses by official outline domain rather than by chapter title only

Frequently Asked Questions

How many questions and how much time are on Vermont Series 14-29?

Prometric's 14-29 outline lists 150 scored questions plus 5 unscored pretest items, with a 150-minute time limit.

What score should I target to pass Vermont's life and health producer exam?

Prometric score reports are delivered as pass/fail, and Vermont prep providers generally use a 70% passing benchmark for study planning.

What does Vermont test beyond national life/health concepts?

Vermont adds state-law sections covering producer licensing and duties, unfair practices, annuity best-interest, replacement standards, Medicare/LTC requirements, and Vermont-specific life/health statutory provisions.

What continuing education is required after licensing in Vermont?

Resident producers generally complete 24 CE hours each cycle, including at least 3 ethics hours, and Vermont also caps agency-management CE credits.

What Vermont-specific LTC rule is frequently tested?

To sell LTC in Vermont, producers need accident-and-health authority and must complete required LTC training, including Vermont-specific content and ongoing training obligations.