Free VT L&H Exam Prep
Vermont Life, Accident and Health or Sickness Producer (14-29)
Pass your 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 maximize your chances of passing on the first try
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 That Actually Works
The official pass rate is Not publicly reported by Vermont DFR / Prometric. Our students do better.
200+ Practice Questions
More free questions than most paid courses
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Content reflects latest exam changes
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What You'll Study
5 chapters covering everything you need to pass
Introduction: Vermont Life & Health Insurance Exam Overview
1 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
5 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
Verify information with these official sources
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