Vermont life line
The Vermont life insurance exam.
The Vermont life insurance exam is 100 scored questions, about 5 unscored pretest questions, in 120 minutes, $52 per attempt, administered by Prometric. We sell study materials and practice exams for it, written from the official Vermont outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Vermont Producer's Examination for Life Insurance |
| Scored questions | 100 |
| Pretest questions | about 5 (unscored) |
| Time limit | 120 minutes |
| Passing score | not published as a number |
| Exam fee | $52 |
| Testing vendor | Prometric |
| Retake rules | No waiting period is published in the official bulletin. Exam fees stay valid for 90 days from when Prometric receives them, and a retest takes a new registration and a new fee. |
| 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 Vermont life insurance license
- 1
Meet the basics
Vermont sets its own age, background check and application rules. The Vermont insurance department lists them, so read them before you book.
- 2
Study the exam outline
Vermont 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 $52 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 Vermont 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 | 14 percent | 14 questions |
| General Insurance | 11 percent | 11 questions |
| Life Insurance Basics | 17 percent | 17 questions |
| Life Insurance Policies | 16 percent | 16 questions |
| Life Insurance Policy Provisions, Options and Riders | 13 percent | 13 questions |
| Annuities | 20 percent | 20 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 6 percent | 6 questions |
| Qualified Plans | 3 percent | 3 questions |
Free Vermont practice questions
Original questions written to the Vermont outline, the same bank our students drill. Tap a question to check the answer.
Question 1Which of the following would most likely be grounds for the Commissioner to suspend or revoke a Vermont producer's license?
- A. Selling policies for more than one insurer
- B. Earning higher commissions than another producer
- C. Working part time as a producer
- D. Using fraud or dishonest practices in the conduct of insurance business
Show the answer
Answer: D
Fraudulent or dishonest conduct is a classic ground for license discipline because it harms consumers and violates producer conduct rules. Representing more than one insurer is common and permitted when properly appointed. Working part time is not a violation. Simply earning higher commissions than a peer is not misconduct.
Question 2When Daniel is hired to sell life insurance for an insurer in Vermont, the insurer must file which document with the Commissioner to authorize him to act on its behalf?
- A. A replacement disclosure
- B. A guaranty association filing
- C. A certificate of authority
- D. A notice of appointment
Show the answer
Answer: D
An appointment (notice of appointment) is how an insurer authorizes a licensed producer to represent it. A certificate of authority is what the insurer itself needs to do business in the state, not what appoints a producer. A guaranty association filing is unrelated to appointments. A replacement disclosure applies only when existing coverage is being replaced.
Question 3Karen was convicted of a felony for embezzlement and now wants to sell insurance; what does federal law require before she can lawfully do so?
- A. Nothing, because state law fully controls licensing
- B. A waiting period of exactly seven years
- C. Approval from the federal Department of Justice only
- D. Written consent from the state insurance regulator
Show the answer
Answer: D
Under 18 U.S.C. 1033, a person convicted of a felony involving dishonesty or breach of trust must obtain written consent (a 1033 waiver) from the appropriate insurance regulator before working in the business. It is not true that state law fully controls, because this federal bar applies. There is no automatic fixed waiting period that removes the bar. The consent comes from the insurance regulator, not solely the Department of Justice.
Question 4What is the main purpose of insurance from a risk management standpoint?
- A. To transfer the financial risk of a loss from an individual to an insurer
- B. To eliminate all chance that a loss will occur
- C. To help policyholders earn investment income
- D. To guarantee a profit to the insured after a claim
Show the answer
Answer: A
Insurance works by transferring the financial burden of a possible loss from one person to an insurer in exchange for a premium. It does not eliminate the risk itself, only shifts the cost. Earning investment income is not the core purpose. Insurance is designed to indemnify, not to let someone profit from a loss.
Question 5Why does the guaranty association prohibit producers from using its existence in advertising or sales presentations?
- A. Using it as a selling point could mislead consumers into choosing an insurer based on the safety net rather than the insurer's own strength
- B. It would automatically cancel the insurer's certificate of authority
- C. It would violate federal securities law
- D. It would require the producer to pay a fee to the association
Show the answer
Answer: A
The law bars advertising the guaranty association because pitching it as a sales inducement encourages people to disregard an insurer's financial soundness, which is misleading. It is not a matter of federal securities law. No fee to the producer is triggered by such use. The insurer's certificate of authority is not automatically revoked by a producer's improper advertising, though penalties can apply.
Take the free Vermont practice test, every question with the answer and the explanation
Vermont exam FAQs
How many questions are on the Vermont life insurance exam?
100 scored questions, plus about 5 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Vermont exam?
Vermont does not publish a numeric passing score. Your score report tells you whether you passed.
How much does the Vermont life insurance exam cost?
The exam fee is $52 per attempt, paid to Prometric. Licensing application and fingerprint fees are separate.
What happens if I fail the Vermont exam?
No waiting period is published in the official bulletin. Exam fees stay valid for 90 days from when Prometric receives them, and a retest takes a new registration and a new fee. 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 Vermont require prelicensing education before the exam?
No. Vermont 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 Vermont 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.