Delaware Life Producer Examination , exam series InsDE_Life01 'DE Life Producer' (Pearson VUE)

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 questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.

At a glance

ExamDelaware Life Producer Examination , exam series InsDE_Life01 'DE Life Producer' (Pearson VUE)
Scored questions90
Pretest questionsabout 16 (unscored)
Time limit135 minutes
Passing scoreScaled score (0 to 100) set by the DE Department of Insurance with Pearson VUE; handbook states some exams require a scaled 70 and others a scaled 80 (the applicable pass mark is listed on the score report; the Life-specific mark is not published in the handbook)
Exam fee$90
Testing vendorPearson VUE
Retake rulesMust wait 24 hours before rescheduling a re-examination (cannot be made at the test center)
Prelicensing educationnot required for the life line

Verified against official Pearson VUE materials, Candidate Handbook #120800, June 2025 edition (posted 8/2025); bound-in content outlines #120801 (07/2025), effective January 15, 2025. Specs change; confirm when you register.

How to get your Delaware life insurance license

  1. 1

    Meet the basics

    Be 18 or older and able to pass the background screening. Delaware handles licensing through the NIPR system like most states.

  2. 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. 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. 4

    Pass the exam

    Walk in knowing the format, 90 scored questions in 135 minutes. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).

  5. 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.

SectionWeightQuestions
Life to General Knowledge56%50 questions
Life to State Specific44%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 1

Which type of life insurance provides protection for a specific period and builds no cash value?

  1. A. Whole life insurance
  2. B. Term life insurance
  3. C. Universal life insurance
  4. 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 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.

Life General Knowledge: Types of Policies (term vs. permanent)

Question 2

What does the incontestability clause in a life insurance policy do after the policy has been in force for the stated period?

  1. A. It prevents the insurer from denying a claim based on misstatements in the application except for fraud in some cases
  2. B. It guarantees the policy will never lapse
  3. C. It allows the insured to change beneficiaries at any time
  4. 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.

Life provisions and concepts: incontestability clause

Question 3

An insurer issues Kevin's policy with a higher premium than he applied for because of a health condition; this is called a:

  1. A. Conditional issue
  2. B. Counteroffer
  3. C. Reinstatement
  4. D. Rescission
Show the answer

Answer: B

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.

Life outline: Underwriting and Policy Issue (counteroffer)

Question 4

What is the purpose of the free look provision required in Delaware life insurance policies?

  1. A. It lets the insurer cancel the policy within a set number of days
  2. B. It gives the policyowner a period to review the policy and return it for a full premium refund
  3. C. It allows the producer to change the beneficiary after issue
  4. D. It extends the time to pay the first premium
Show the answer

Answer: B

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.

Delaware life policy free look provision concept (18 Del. C. Ch. 29)

Question 5

A 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?

  1. A. To let the owner review the policy and cancel for a full premium refund if unsatisfied
  2. B. To let the insurer cancel the policy without cause
  3. C. To extend the time to pay the first premium
  4. D. To allow the producer to change the beneficiary
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. The score report shows pass or fail, and a failing report carries a number and diagnostics.

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?

Must wait 24 hours before rescheduling a re-examination (cannot be made at the test center). About 62% of first-time life exam takers pass nationally (NAIC, latest published data). 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 state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.

If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.

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.

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Take the free Delaware practice test · How to pass the exam