Utah life line
The Utah life insurance exam.
The Utah life insurance exam is 100 scored questions, about 5 unscored pretest questions, in 120 minutes, $32 per attempt, administered by Prometric. We sell study materials and practice exams for it, written from the official Utah outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Utah Producer's Life Exam |
| Scored questions | 100 |
| Pretest questions | about 5 (unscored) |
| Time limit | 120 minutes |
| Passing score | not published as a number |
| Exam fee | $32 |
| Testing vendor | Prometric |
| Retake rules | No mandatory wait is published. After a failed exam you register again and pay the exam fee to Prometric again, as the Utah Insurance Department directs. You must submit your license application within 90 days of passing, or retake the exam. |
| Prelicensing education | not required for the life line |
Checked against Prometric's official materials. Specs change, so confirm them when you register.
How to get your Utah life insurance license
- 1
Meet the basics
Utah sets its own age, background check and application rules. The Utah insurance department lists them, so read them before you book.
- 2
Study the exam outline
Utah 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 Prometric
Register at Prometric, pick a test center or online proctoring where offered, and pay the $32 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 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 Utah exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 10 percent | 10 questions |
| General Insurance | 10 percent | 10 questions |
| Life Insurance Basics | 20 percent | 20 questions |
| Life Insurance Policies | 10 percent | 10 questions |
| Life Insurance Policy Provisions, Options and Riders | 18 percent | 18 questions |
| Annuities | 18 percent | 18 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 9 percent | 9 questions |
| Qualified Plans | 5 percent | 5 questions |
Free Utah practice questions
Original questions written to the Utah outline, the same bank our students drill. Tap a question to check the answer.
Question 1Under Utah's insurance replacement rules, what is the main purpose of the regulation?
- A. To prevent any policyholder from ever changing insurers
- B. To protect consumers from losing benefits when they switch policies
- C. To increase commissions for producers who replace policies
- D. To require all policies to be sold through banks
Show the answer
Answer: B
Replacement rules exist to make sure a consumer who drops one life policy for another gets full disclosure and does not unknowingly lose value or benefits. The rule does not aim to raise commissions; it actually guards against churning for commissions. It does not ban changing insurers, and it has nothing to do with requiring bank sales.
Utah Admin. Code R590 (Replacement of Life Insurance and Annuities)
Question 2In Utah, who has primary authority to regulate the business of insurance and enforce the state insurance code?
- A. The National Association of Insurance Commissioners
- B. The Utah Attorney General
- C. The federal Department of Insurance
- D. The Utah Insurance Commissioner
Show the answer
Answer: D
The Utah Insurance Commissioner heads the state Insurance Department and enforces the insurance code. The Attorney General handles state legal matters but does not run insurance regulation. There is no federal Department of Insurance; insurance is regulated at the state level. The NAIC is a coordinating body of regulators, not a regulator itself and has no enforcement power.
Utah Code Title 31A, Chapter 2 (Insurance Commissioner authority)
Question 3Maria was convicted of a felony involving breach of trust and now wants to keep selling life insurance. What does federal law require before she may continue?
- A. She must wait exactly one year and then may resume automatically
- B. She must obtain written consent from an insurance regulatory official
- C. She only needs to renew her Utah license as usual
- D. She must pass a new state exam and nothing more
Show the answer
Answer: B
Under 18 U.S.C. 1033, a person convicted of a felony involving dishonesty or breach of trust cannot engage in the business of insurance affecting interstate commerce without written consent from an insurance regulator. Simply renewing a state license is not enough. There is no automatic one-year waiting cure, and passing an exam alone does not lift the federal bar.
18 U.S.C. 1033(e) (prohibited persons; written consent required)
Question 4Maria buys a life policy from a company that was never authorized to transact insurance in Utah; how is that company best described?
- A. A domestic insurer
- B. An admitted insurer
- C. A reinsurer
- D. An unauthorized insurer
Show the answer
Answer: D
An insurer without a certificate of authority in the state is an unauthorized (nonadmitted) insurer. An admitted insurer is the opposite, one that has been authorized. Domestic refers to place of formation, which the question does not address. A reinsurer insures other insurers and is not what is described here.
Utah Code Title 31A (unauthorized insurers)
Question 5A Utah producer collects premium money from a client that belongs to the insurer. How must the producer treat those funds?
- A. As a loan that may be kept for 30 days
- B. As personal income to spend as needed
- C. As a nonrefundable service fee
- D. In a fiduciary capacity, kept separate and remitted to the insurer
Show the answer
Answer: D
Premiums held by a producer are fiduciary funds that must be kept separate from personal money and promptly turned over to the insurer. Treating them as personal income is misappropriation and grounds for discipline. There is no rule allowing the producer to keep the money as a loan. It is not a service fee, it is money owed to the insurer.
Utah Code Title 31A, Chapter 23a (fiduciary duties and prohibited practices)
Take the free Utah practice test, every question with the answer and the explanation
Utah exam FAQs
How many questions are on the Utah life insurance exam?
100 scored questions, plus about 5 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Utah exam?
Utah does not publish a numeric passing score. Your score report tells you whether you passed.
How much does the Utah life insurance exam cost?
The exam fee is $32 per attempt, paid to Prometric. Licensing application and fingerprint fees are separate.
What happens if I fail the Utah exam?
No mandatory wait is published. After a failed exam you register again and pay the exam fee to Prometric again, as the Utah Insurance Department directs. You must submit your license application within 90 days of passing, or retake the exam. 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 Utah require prelicensing education before the exam?
No. Utah 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 Utah exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.