Delaware Life & Health Exam Overview

About the Delaware Life & Health Exam

Welcome to OpenExamPrep's FREE Delaware Life & Health prep guide. The Delaware Life & Health insurance examination is administered by Pearson VUE under contract to the Delaware Department of Insurance (DOI). "Life" and "Accident & Health" (the Health line) are separate exams; many candidates sit both the same day. Reserve a seat at pearsonvue.com/de/insurance or by phone at 800-274-0455, paying by credit card, debit card, or voucher at the time you book.

A frequent trap: candidates assume one exam covers both lines. It does not. A combined "Life & Health" career means passing the Life exam and the Accident & Health exam, earning two lines of authority on one producer license. You may pass one and fail the other; each is graded independently.

Exam Structure at a Glance

Each Delaware exam blends national content with Delaware statute, and silently inserts unscored pretest items that Pearson VUE uses to calibrate future questions. You cannot tell pretest from scored items, so answer every question as if it counts. The official Pearson VUE content outlines set the question counts below; the back-cover schedule splits each exam into two separately timed sections — a 75-minute (1h 15m) General Knowledge part and a 60-minute (1 hour) Delaware State-Specific part, for 135 minutes total per line.

Fee tip: Candidates who take both the Life and the Accident & Health exam on the same day pay only one examination fee. Scheduling them together is a legitimate way to halve your testing cost.

The Two-Section Design and the 12-Month Rule

Delaware grades each exam as two parts: a General Knowledge part (national principles such as risk, contract law, policy provisions, underwriting, and product types) and a State-Specific part (the Delaware Insurance Code, producer duties, and DOI authority). The score report marks each exam "pass" or "fail."

• If you pass only one section, you retake only the failed section, not the whole exam.
• You must clear the failed section within 12 months of passing the first section.
• Miss that 12-month window and the entire exam resets — both sections must be retaken.

Work the State-Specific Delaware material hard; it is the smaller section but the one most national prep courses skimp on, and it is the difference-maker for many candidates.

Pre-Licensing Education: None Required

The Delaware DOI does not prescribe pre-licensing hours and does not prescreen candidates before they sit. This is unusual — many states demand 20 to 40 classroom or online hours. In Delaware, you may schedule the exam directly.

Trap: "No required hours" is not "easy." Because nothing forces structured study, unprepared candidates fail and pay another $90. Treat the absence of a mandate as a reason to build your own discipline, not skip it.

Testing Options and Logistics

As of 2026, the Delaware Insurance Candidate Handbook directs candidates to test at a Pearson VUE test center: you report to the center 30 minutes before the appointment, check in, and are photographed for the score report. Bring a valid, unexpired government photo ID; the first and last name on it must match your registration exactly. (If you want to ask about any remote-proctoring option, confirm directly with Pearson VUE at 800-274-0455, but plan on an in-person test center.)

• Arrive 30 minutes early to complete registration.
• A computer tutorial is offered first and does not reduce your exam time.
• Results are scored on screen and a pass/fail score report is issued at the end.

After You Pass: Application and Renewal

1. Pass the exam(s) and obtain your score report.
2. Apply for the producer license through the DOI (typically via NIPR/Sircon) and pay the licensing fee.
3. Submit any required background information; resident applicants are fingerprinted per DOI rules.
4. License is issued with your Life and/or Accident & Health line(s) of authority.

Continuing Education (CE)

Delaware resident producers complete 24 hours of CE every 2 years, including 3 hours of ethics. Renewals are due the last day of February in even-numbered years (e.g., 28 Feb 2026, 28 Feb 2028). Finish all CE before submitting the renewal.

Study Plan

Strategy: Practice until you consistently score 80%+ — a buffer above the 70% pass line absorbs test-day nerves and the handful of unscored pretest items you cannot control. Next up: Chapter 1, Delaware Insurance Regulation & Licensing.