Colorado Life & Health Exam Overview

Welcome to OpenExamPrep's FREE Colorado Life & Health Insurance exam-prep guide. This resource concentrates on the Colorado-specific regulations, licensing logistics, and state insurance laws you must know to pass. It is designed to be read alongside national Life & Health study material, not instead of it.

About the Colorado L&H Exam

The Colorado Life and Accident & Health producer examinations are administered by Pearson VUE on behalf of the Colorado Division of Insurance (DOI), a unit of the Department of Regulatory Agencies (DORA). Colorado licenses Life and Accident & Health as two separate lines of authority, each with its own exam. Many candidates sit both, but each line is scheduled, paid for, and graded independently. The content blends national concepts—policy types, riders, underwriting, taxation—with Colorado law found in Title 10 of the Colorado Revised Statutes (C.R.S.) and the Division regulations at 3 CCR 702.

Exam Structure

The unscored pretest questions are experimental items the vendor uses to validate future questions; they are mixed in randomly and not identified, so treat every question as if it counts. Only the 80 scored items count toward your scaled score, which is neither the number nor the percentage of questions you answered correctly. Colorado exams are now taken in person at a Pearson VUE test center; online (OnVUE) testing ended in January 2026.

Watch the trap: An older version of this guide claimed the Colorado exam is one combined 150-question test given by PSI with no pre-licensing requirement. Both statements are wrong. Colorado uses Pearson VUE, the Life and Health exams are separate, and Colorado does require pre-licensing education. If a practice question offers "PSI" or "no pre-licensing required" as the Colorado answer, it is a distractor.

Pre-Licensing Education Requirements

Colorado requires 50 hours of Division-approved pre-licensing education per line of authority before you may take the exam. A candidate pursuing both Life and Accident & Health completes the requirement for each line. A common course structure devotes the bulk of the hours to national content and a focused block to Colorado law, ethics, and line-specific regulation.

Your certificate of completion is valid for one year—you must pass the exam and apply within that window or repeat the coursework. Keep the certificate; you may be asked to produce it.

License Application Process

1. Complete pre-licensing education (50 hours for the line) and obtain the certificate.
2. Schedule the exam with Pearson VUE; pay the $41 fee (one fee covers up to two exams in a single session). Bring a valid government photo ID matching your registration name.
3. Pass the exam (Colorado reports a scaled score set by the Division); you receive a pass/fail score report at the test center. Each line is reported separately.
4. Apply through NIPR (National Insurance Producer Registry). Pay the state license fee plus the NIPR transaction fee (about $5.60). Colorado does not require fingerprinting for resident producers.
5. Receive the license after DOI review. Resident licenses are valid for two years, expiring on the last day of your birth month.

Approximate Costs

License Maintenance Snapshot

What This Guide Covers

This guide focuses on Colorado-specific material: the structure and authority of the Division of Insurance, producer licensing and CE, Colorado life and annuity law (free look, replacement, suitability), Colorado health insurance and Connect for Health Colorado, Medicare supplement open enrollment, and long-term care/disability rules. Foundational national concepts—policy mechanics, riders, taxation, ethics theory—are assumed from your national study, so use this as the Colorado overlay.

Study strategy: On each exam, 50 of the 80 scored questions are national content and 30 are Colorado law, so the state slice is large and full of literal fact-recall points. Memorize the verified numbers in this guide—free-look days, the 6-month Medigap open-enrollment window, CE hours, and the 2-year incontestability limit and the one-year suicide limit—because they appear as fact-recall questions.

Test-Day Logistics and After You Pass

Bring a valid, unexpired government photo ID whose name matches your Pearson VUE registration exactly; a mismatch can void the appointment. Arrive early for check-in. No phones, notes, or study materials are allowed in the room (lockers are provided); an on-screen calculator is available where needed. The exam is computer-based multiple choice—you can mark and review questions before submitting. Results are reported pass/fail, with a diagnostic breakdown for failing candidates.

Common mistake: A passing score is not a license. You must still apply through NIPR, pay the fees, and clear the DOI background review. You are licensed only when the DOI issues the license and (for company-specific sales) the insurer files your appointment. A score report stays valid for a limited window (often one year), so do not delay.