Utah Producer's Life Exam (Series 17-01; Spanish version Series 17-31)
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 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
| Exam | Utah Producer's Life Exam (Series 17-01; Spanish version Series 17-31) |
| Scored questions | 100 |
| Pretest questions | about 5 (unscored) |
| Time limit | 120 minutes |
| Passing score | Not published in the official Licensing Information Bulletin - the score report shows overall score/grade and pass/fail (third-party sources commonly cite 70%, but the official bulletin does not state a number) |
| Exam fee | $32 |
| Testing vendor | Prometric |
| Retake rules | No mandatory wait published; a failed candidate re-registers and pays the exam fee again (Utah Insurance Department: 'If a candidate fails an exam, they must re-register and pay the fee to Prometric again'). License application must be submitted within 90 days of passing or the exam must be retaken. |
| Prelicensing education | not required for the life line |
Verified against official Prometric materials, Utah Licensing Information Bulletin effective on and after September 25, 2025; Series 17-01 content outline effective date January 1, 2020. Specs change; confirm when you register.
How to get your Utah life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Utah handles licensing through the NIPR system like most states.
- 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 62% of first-time life exam takers pass nationally (NAIC, latest published data).
- 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% | 10 questions |
| General Insurance | 10% | 10 questions |
| Life Insurance Basics | 20% | 20 questions |
| Life Insurance Policies | 10% | 10 questions |
| Life Insurance Policy Provisions, Options and Riders | 18% | 18 questions |
| Annuities | 18% | 18 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 9% | 9 questions |
| Qualified Plans | 5% | 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 protect consumers from losing benefits when they switch policies
- B. To increase commissions for producers who replace policies
- C. To prevent any policyholder from ever changing insurers
- D. To require all policies to be sold through banks
Show the answer
Answer: A
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 Utah Attorney General
- B. The Utah Insurance Commissioner
- C. The federal Department of Insurance
- D. The National Association of Insurance Commissioners
Show the answer
Answer: B
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 only needs to renew her Utah license as usual
- B. She must obtain written consent from an insurance regulatory official
- C. She must wait exactly one year and then may resume automatically
- 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. An admitted insurer
- B. An unauthorized insurer
- C. A domestic insurer
- D. A reinsurer
Show the answer
Answer: B
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 personal income to spend as needed
- B. In a fiduciary capacity, kept separate and remitted to the insurer
- C. As a loan that may be kept for 30 days
- D. As a nonrefundable service fee
Show the answer
Answer: B
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. The score report shows pass or fail, and a failing report carries a number and diagnostics.
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 published; a failed candidate re-registers and pays the exam fee again (Utah Insurance Department, 'If a candidate fails an exam, they must re-register and pay the fee to Prometric again'). License application must be submitted within 90 days of passing or the exam must be retaken. 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 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 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 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.
A free placement plus free practice questions. No card to start.