Free VT L&H Exam Prep
Vermont Life, Accident and Health or Sickness Producer (14-29)
Prepare for the VT L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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Vermont Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Lock Exam Logistics and WeightingYou are here
Memorize 14-29 structure first: 150 scored + 5 unscored, 150 minutes, and weighted domains so your study time matches scoring impact.
Build Life and Annuity Accuracy
Prioritize life policy structures/provisions, annuities, and tax treatment with Vermont replacement and best-interest rule overlays.
Master Health, Senior, and Group Topics
Drill medical/group/disability content, Medicare supplement, and LTC scenarios including Vermont continuation and state-law references.
Finish Vermont Law and Compliance
Focus on producer duties, appointments, CE, unfair practices, guaranty concepts, and enforcement triggers, then run timed mixed sets.
Can You Take the VT L&H Exam?
Check if you meet the basic eligibility requirements
- •Vermont is an appointment state; producers acting as insurer agents require appointment
- •Appointment is generally required within 15 days of agency contract execution or first application submission
- •Resident producer license term is fixed (April 1 to March 31 of odd years) and not prorated
- •Resident CE is 24 hours each cycle including 3 ethics hours
- •LTC sales require accident-and-health authority plus required LTC training (initial and ongoing)
VT L&H Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Retakes are scheduled through Prometric and require a new exam registration fee.
Total Cost Breakdown
Free VT L&H Prep Tools
Reported exam pass rate: Not publicly reported by Vermont DFR / Prometric. Check the exam sponsor for the latest official figure.
650+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
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$0 Forever
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What You'll Study
24 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Vermont Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: Vermont Insurance Regulation & Licensing
3 sections
Chapter 2: Vermont Life Insurance Laws
3 sections
Chapter 3: Vermont Health Insurance Laws
3 sections
Chapter 4: Vermont Insurance Ethics & Prohibited Practices
3 sections
VT L&H-Specific Topics Covered
VT L&H Exam Details
Vermont Life, Accident and Health or Sickness Producer (14-29)
Administered by Vermont Department of Financial Regulation / Prometric
Exam Content Breakdown
Based on the official Vermont Department of Financial Regulation / Prometric content outline
Life basics (9%) and life policy classes (9%) in the Vermont outline
Life provisions/riders (7%), annuities (8%), and federal life/annuity tax treatment (6%)
A&H basics (2%), individual health provisions (6%), and disability income topics (6%)
Medical plans (6%), group accident/health (9%), and senior/special-needs coverage (7%)
Insurance regulation (5%) plus general insurance concepts (4%)
Common VT law (5%), VT life/annuity statutes (6%), and VT accident/health statutes (5%)
What's Included
24 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
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What's Next After the VT L&H?
After passing the VT L&H, you can pursue these career paths
VT L&H Exam FAQ
Official Vermont Department of Financial Regulation / Prometric Resources
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