Connecticut Life & Health Exam Overview

What the Connecticut L&H Exam Actually Tests

Welcome to OpenExamPrep's FREE Connecticut Life & Health study guide. The Connecticut Life, Accident & Health or Sickness producer examination is delivered by Pearson VUE under contract with the Connecticut Insurance Department (CID). A single combined exam covers both Life and Accident & Health (A&H) lines, and Connecticut also offers stand-alone Life and stand-alone A&H exams for candidates seeking only one line.

Every Connecticut producer exam blends a national/general portion (insurance concepts that apply in any state) with a Connecticut state-law portion. The national content is the bulk of the test, but the state portion is where most candidates lose points, because it requires memorizing CID rules, mandated policy provisions, replacement and free-look timelines, and the Connecticut Insurance Guaranty Association limits. This guide focuses on that state-specific material; pair it with a national L&H text for full coverage.

Content domains you will see

A worked scoring example

The passing score is 70%. On an 80-scored-question combined exam, 70% means you may miss 24 questions and still pass (80 x 0.70 = 56 correct required). Pearson VUE also embeds unscored pretest questions that look identical to scored ones but do not affect your result, which is why published totals sometimes appear higher than the scored count. Treat every question as if it counts, and pace yourself: with roughly 150 minutes for the combined exam's ~95 delivered items, that is about one and a half minutes per question with time left to flag and revisit.

Common trap: Candidates assume the Connecticut portion is small enough to skim. It is not. State questions are testable verbatim (for example, exact day counts on the free-look or replacement notice), and there is no partial credit. Treat numbers and timelines as flashcard-grade facts.

Exam logistics at a glance

Because Pearson VUE periodically updates question counts and fees, always confirm the current figures in the live Connecticut Insurance Candidate Handbook on the Pearson VUE site before you schedule. Connecticut requires two forms of current signature identification: a primary ID that is government-issued, photo-bearing, and signed (driver's license, passport, military ID) plus a secondary ID that carries a valid signature (a second primary-list ID, a Social Security card, or a credit/debit card).

The name on both must match your registration exactly — a name mismatch is the most common cause of a turned-away candidate, and Pearson VUE recognizes no grace period for an expired ID.

From Pre-Licensing to a Renewable License

Step 1 — Pre-licensing education

Connecticut requires 20 hours of CID-approved pre-licensing education per line of authority. Pursuing both lines (Life and A&H) means 40 hours total. The course must be completed through a Connecticut-approved provider, and you must pass the course final exam. The certificate of completion is valid for one year, so schedule your state exam inside that window or you will repeat the coursework.

Step 2 — Schedule and sit the exam

Create a Pearson VUE account, choose the exam matching your line(s), pay the fee ($105 for the combined 12-CT-03, or $65 for a single line), and pick a test center or an OnVUE remote session. Arrive 30 minutes early; OnVUE candidates run a system check and a room scan first.

Step 3 — Apply for the license through NIPR

After passing, submit your application to the CID, typically through the National Insurance Producer Registry (NIPR). The application fee is approximately $140. Connecticut does not require fingerprints for most resident producer applicants, but the CID can request additional background information.

Step 4 — Maintain the license

Resident producer licenses renew biennially by the last day of your birth month. Each two-year cycle you must complete 24 hours of CE, including 3 hours of Connecticut insurance law/regulations or ethics and at least 6 hours for each line of authority you hold.

Exam waivers and product-specific training

The CID may waive the exam for applicants holding certain professional designations who submit a current letter of designation:

• Life: CLU (Chartered Life Underwriter), ChFC (Chartered Financial Consultant), CFP (Certified Financial Planner), CEBS (Certified Employee Benefit Specialist), FLMI (Fellow, Life Management Institute), LUTCF.
• Accident & Health: CLU, CEBS, RHU (Registered Health Underwriter), REBC (Registered Employee Benefits Consultant), HIA (Health Insurance Associate).

Separately, before you can sell certain products you must complete one-time product training: an initial 8-hour Long-Term Care (LTC) course (plus 4-hour refreshers) and a 4-hour annuity suitability course. These are training mandates, not exam content, but they are commonly tested as concepts.

Trap to avoid: A waiver removes the exam, not the pre-licensing education or the application. You still apply through NIPR and still owe CE at renewal. Likewise, passing the exam alone does not make you licensed; the license exists only after the CID approves your application.

CID contact reference

With logistics clear, Chapter 1 turns to the CID's regulatory authority and the licensing statutes themselves, the most heavily tested slice of the Connecticut portion.