Colorado life line
The Colorado life insurance exam.
The Colorado life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 120 minutes, $41 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Colorado outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Colorado Life Producer Examination |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled score, with no life line number published |
| Exam fee | $41 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 24 hours before booking a retake, and you cannot book it at the test center. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Colorado life insurance license
- 1
Meet the basics
Colorado sets its own age, background check and application rules. The Colorado insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Colorado requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $41 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 120 minutes. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Colorado exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 63 percent | 50 questions |
| Colorado Specific | 37 percent | 30 questions |
Free Colorado practice questions
Original questions written to the Colorado outline, the same bank our students drill. Tap a question to check the answer.
Question 1What is the main feature that distinguishes decreasing term insurance from level term insurance?
- A. The death benefit reduces over the policy period
- B. The face amount increases over time
- C. The policy builds cash value
- D. The premium increases each year
Show the answer
Answer: A
Decreasing term has a death benefit that shrinks over time, often used to cover a mortgage. Level term keeps the same face amount throughout. Term insurance of either kind does not build cash value, and the face amount does not increase in decreasing term.
Question 2Under a life insurance settlement option, what does the interest only option provide to a beneficiary?
- A. The insurer holds the proceeds and pays the beneficiary the interest earned, leaving the principal intact
- B. The insurer pays equal installments until the proceeds and interest are exhausted
- C. The insurer pays out the entire proceeds in one lump sum
- D. The insurer pays the beneficiary for as long as the beneficiary lives
Show the answer
Answer: A
With the interest only option, the insurer keeps the principal and pays only the interest to the beneficiary, so the principal remains available later. A lump sum pays everything at once, the fixed period option pays installments until funds run out, and the life income option pays for the beneficiary's lifetime.
Question 3On a life insurance application, what is the applicant's signature primarily meant to confirm?
- A. That the statements in the application are true to the best of the applicant's knowledge
- B. That the producer approved the coverage
- C. That the applicant has read the entire policy
- D. That the premium can never be refunded
Show the answer
Answer: A
The applicant signs to attest that the answers given are true and complete to the best of their knowledge, which becomes part of the entire contract. The applicant does not sign to confirm they read the whole policy (the policy is delivered later), so that is wrong. Producers do not approve coverage, only the insurer's underwriters do, so that is wrong. The signature has nothing to do with refunds, so that is wrong.
Question 4How long does a person in Colorado generally have to notify the Division of Insurance after changing their legal name or address?
- A. Within 6 months of the change
- B. Within 30 days of the change
- C. Within 90 days of the change
- D. Only at license renewal
Show the answer
Answer: B
Colorado requires producers to report changes such as name or address to the Commissioner within a set short period, generally 30 days. Waiting until renewal is wrong because the duty is ongoing and not tied to renewal. 90 days and 6 months are longer than the required prompt notice.
Question 5A Colorado resident wants to sell life insurance for compensation but has not yet obtained a producer license; which action is he legally permitted to take?
- A. Solicit applications and collect premiums right away
- B. Nothing insurance related until a license is issued
- C. Sell policies while his application is pending
- D. Sell only to family members without a license
Show the answer
Answer: B
In Colorado a person may not sell, solicit, or negotiate insurance without first holding a valid producer license. He must wait until the license is actually issued. Soliciting and collecting premiums, selling while the application is pending, and selling to family members are all unlicensed activity and prohibited.
Colo. Rev. Stat. 10-2-401 (producer licensing requirement)
Take the free Colorado practice test, every question with the answer and the explanation
Colorado exam FAQs
How many questions are on the Colorado life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Colorado exam?
Colorado does not publish a numeric passing score. Your score report tells you whether you passed.
How much does the Colorado life insurance exam cost?
The exam fee is $41 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Colorado exam?
You wait 24 hours before booking a retake, and you cannot book it at the test center. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Colorado require prelicensing education before the exam?
Yes. Colorado requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Colorado exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 120 minutes), and a mastery map that shows what to study next.