Connecticut life line
The Connecticut life insurance exam.
The Connecticut life insurance exam is 75 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at 70 percent, $65 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Connecticut outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Connecticut Life Producer Examination |
| Scored questions | 75 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70 percent |
| Exam fee | $65 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 24 hours before booking a retake, and you cannot book it at the test center. The exam is one part and scored as a whole. |
| 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 Connecticut life insurance license
- 1
Meet the basics
Connecticut sets its own age, background check and application rules. The Connecticut insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Connecticut 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 $65 exam fee.
- 4
Pass the exam
Walk in knowing the format, 75 scored questions in 120 minutes, passing at 70 percent. 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 Connecticut exam covers
From the official exam outline, each section's share of the exam and how many of the 75 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 67 percent | 50 questions |
| Connecticut Specific | 33 percent | 25 questions |
Free Connecticut practice questions
Original questions written to the Connecticut outline, the same bank our students drill. Tap a question to check the answer.
Question 1Which type of life insurance provides protection for a specific period and pays a death benefit only if the insured dies during that period?
- A. Whole life insurance
- B. Term life insurance
- C. Universal life insurance
- D. Variable life insurance
Show the answer
Answer: B
Term life covers a set period, such as 10 or 20 years, and pays only if death occurs during that time; it builds no cash value. Whole life is permanent coverage with cash value that lasts the insured's whole life. Universal life is permanent coverage with flexible premiums and cash value. Variable life is permanent coverage with investment subaccounts. Only term is limited to a specific period with no cash value.
Question 2Maria pays the full first premium when she signs her life application and receives a receipt that starts coverage right away if she is insurable as of that date. What kind of receipt is this?
- A. Approval receipt
- B. Inspection receipt
- C. Conditional receipt
- D. Binding receipt
Show the answer
Answer: C
A conditional receipt provides coverage as of the application or medical exam date, but only if the applicant is found insurable. A binding receipt gives immediate temporary coverage regardless of insurability until the insurer decides. An approval receipt starts coverage only when the insurer approves. There is no standard 'inspection receipt' for this purpose.
Question 3A Connecticut life insurance policy includes a grace period. If Tom misses his premium due date, what happens during the grace period?
- A. The policy is void immediately
- B. Coverage stays in force for a set time while the overdue premium can still be paid
- C. The face amount automatically doubles
- D. The insurer must refund all past premiums
Show the answer
Answer: B
A grace period keeps the policy in force for a set time after the due date so the owner can pay the late premium without losing coverage. The policy is not void immediately, which is the whole point of the grace period. There is no refund of past premiums. The face amount does not change during a grace period.
Question 4Which situation best describes an improper producer practice known as twisting under Connecticut law?
- A. Using misleading comparisons to persuade a client to replace an existing policy
- B. Recommending a policy suited to the client's needs
- C. Explaining a policy's exclusions clearly
- D. Charging the standard premium the insurer filed
Show the answer
Answer: A
Twisting is inducing a policyowner to drop one policy for another using misrepresentations or misleading comparisons, which is prohibited. Recommending a suitable policy is proper. Charging the filed premium is proper. Explaining exclusions clearly is good practice, not misconduct. Twisting is often confused with churning, but twisting involves misrepresentation to cause a replacement.
Conn. Gen. Stat. (unfair trade practices; misrepresentation and twisting prohibitions).
Question 5What is the main purpose of a waiver of premium rider on a life insurance policy?
- A. It keeps the policy in force by paying premiums if the insured becomes totally disabled
- B. It refunds premiums to the policyowner at the end of the policy term
- C. It lets the insured skip premiums whenever money is tight
- D. It increases the death benefit each year the insured stays healthy
Show the answer
Answer: A
A waiver of premium rider pays the premiums for the policyowner if the insured becomes totally disabled, usually after a waiting period, so the coverage stays in force. It does not refund premiums, that describes a return of premium feature. It does not raise the death benefit for good health. It is not an optional skip for any reason, disability must be proven.
Take the free Connecticut practice test, every question with the answer and the explanation
Connecticut exam FAQs
How many questions are on the Connecticut life insurance exam?
75 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Connecticut exam?
You need 70 percent to pass.
How much does the Connecticut life insurance exam cost?
The exam fee is $65 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Connecticut exam?
You wait 24 hours before booking a retake, and you cannot book it at the test center. The exam is one part and scored as a whole. 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 Connecticut require prelicensing education before the exam?
Yes. Connecticut 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 Connecticut exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (75 questions, 120 minutes), and a mastery map that shows what to study next.