Delaware life line
The Delaware life insurance exam.
The Delaware life insurance exam is 90 scored questions, about 16 unscored pretest questions, in 135 minutes, $90 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Delaware outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Delaware Life Producer Examination |
| Scored questions | 90 |
| Pretest questions | about 16 (unscored) |
| Time limit | 135 minutes |
| Passing score | a scaled score, with no life line number published |
| Exam fee | $90 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 24 hours before rescheduling a retake, and you cannot book it at the test center. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Delaware life insurance license
- 1
Meet the basics
Delaware sets its own age, background check and application rules. The Delaware insurance department lists them, so read them before you book.
- 2
Study the exam outline
Delaware does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $90 exam fee.
- 4
Pass the exam
Walk in knowing the format, 90 scored questions in 135 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 Delaware exam covers
From the official exam outline, each section's share of the exam and how many of the 90 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 56 percent | 50 questions |
| State Specific | 44 percent | 40 questions |
Free Delaware practice questions
Original questions written to the Delaware 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 builds no cash value?
- A. Whole life insurance
- B. Universal life insurance
- C. Term life insurance
- D. Variable life insurance
Show the answer
Answer: C
Term life covers a set period, such as 10 or 20 years, and pays only if death occurs during that term. It has no cash value or savings element. Whole life, universal life, and variable life are all permanent policies that build cash value, so they are wrong.
Question 2What does the incontestability clause in a life insurance policy do after the policy has been in force for the stated period?
- A. It prevents the insurer from denying a claim based on misstatements in the application except for fraud in some cases
- B. It guarantees the policy will never lapse
- C. It allows the insured to change beneficiaries at any time
- D. It waives all future premium payments
Show the answer
Answer: A
The incontestability clause bars the insurer from contesting the policy for material misstatements after the contestable period (usually two years). The second choice confuses it with a nonforfeiture guarantee. The third describes the change of beneficiary provision. The fourth describes a waiver of premium rider. Only the first states the true purpose.
Question 3An insurer issues Kevin's policy with a higher premium than he applied for because of a health condition; this is called a:
- A. Conditional issue
- B. Rescission
- C. Counteroffer
- D. Reinstatement
Show the answer
Answer: C
When the insurer offers different terms than requested, such as a higher rated premium, it is a counteroffer that the applicant may accept or reject. A conditional issue is not the standard term for this situation. Reinstatement is restoring a policy that has lapsed, which is not what is happening here. Rescission means canceling a policy as if it never existed, usually for material misrepresentation, not offering revised terms.
Question 4What is the purpose of the free look provision required in Delaware life insurance policies?
- A. It allows the producer to change the beneficiary after issue
- B. It lets the insurer cancel the policy within a set number of days
- C. It gives the policyowner a period to review the policy and return it for a full premium refund
- D. It extends the time to pay the first premium
Show the answer
Answer: C
The free look gives the new policyowner time after delivery to examine the policy and, if unsatisfied, return it for a full refund of premium. It is a right of the policyowner, not a cancellation right for the insurer. It has nothing to do with changing beneficiaries. It does not extend premium payment deadlines.
Question 5A Delaware life insurance policy must give the policyowner a free look period during which they may return the policy for a refund; what is the purpose of this period?
- A. To let the owner review the policy and cancel for a full premium refund if unsatisfied
- B. To let the insurer cancel the policy without cause
- C. To allow the producer to change the beneficiary
- D. To extend the time to pay the first premium
Show the answer
Answer: A
The free look, sometimes called the right to examine, lets the new policyowner review the delivered policy and, if dissatisfied, return it for a full refund of premium. It is a consumer right, not an insurer cancellation tool. It does not extend premium due dates. It has nothing to do with the producer changing beneficiaries, which only the owner may direct. The exact number of days is set by Delaware rule and is not tested here.
Delaware Insurance Code, Title 18 (free look / right to examine; day count not asserted)
Take the free Delaware practice test, every question with the answer and the explanation
Delaware exam FAQs
How many questions are on the Delaware life insurance exam?
90 scored questions, plus about 16 unscored pretest questions mixed in, with 135 minutes on the clock.
What score passes the Delaware exam?
Delaware does not publish a numeric passing score. Your score report tells you whether you passed.
How much does the Delaware life insurance exam cost?
The exam fee is $90 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Delaware exam?
You wait 24 hours before rescheduling 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 Delaware require prelicensing education before the exam?
No. Delaware does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
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 Delaware exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (90 questions, 135 minutes), and a mastery map that shows what to study next.