Vermont Producer's Examination for Life Insurance (Series 14-25)
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 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 | Vermont Producer's Examination for Life Insurance (Series 14-25) |
| Scored questions | 100 |
| Pretest questions | about 5 (unscored) |
| Time limit | 120 minutes |
| Passing score | Not published in the official Licensing Information Bulletin or outline (score report shows result; VT DFR does not publish a numeric cut in these documents) |
| Exam fee | $52 |
| Testing vendor | Prometric |
| Retake rules | No waiting period published in the official bulletin; exam fees are valid 90 days from receipt at Prometric and a new registration/fee is required to retest |
| Prelicensing education | not required for the life line |
Verified against official Prometric materials, Life outline effective November 3, 2019 (unchanged in current posting); Vermont Licensing Information Bulletin effective as of March 18, 2026 (https://www.prometric.com/files/vermont/Vermont-Licensing-Bulletin.pdf). Specs change; confirm when you register.
How to get your Vermont life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Vermont handles licensing through the NIPR system like most states.
- 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 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 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% | 14 questions |
| General Insurance | 11% | 11 questions |
| Life Insurance Basics | 17% | 17 questions |
| Life Insurance Policies | 16% | 16 questions |
| Life Insurance Policy Provisions, Options and Riders | 13% | 13 questions |
| Annuities | 20% | 20 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 6% | 6 questions |
| Qualified Plans | 3% | 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. Using fraud or dishonest practices in the conduct of insurance business
- B. Selling policies for more than one insurer
- C. Working part time as a producer
- D. Earning higher commissions than another producer
Show the answer
Answer: A
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.
Vermont grounds for license denial, suspension, or revocation (concept)
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 notice of appointment
- B. A certificate of authority
- C. A guaranty association filing
- D. A replacement disclosure
Show the answer
Answer: A
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.
Vermont producer appointment requirements
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. Written consent from the state insurance regulator
- C. A waiting period of exactly seven years
- D. Approval from the federal Department of Justice only
Show the answer
Answer: B
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.
Insurance Regulation > Federal regulation (18 U.S.C. 1033 waiver)
Question 4What is the main purpose of insurance from a risk management standpoint?
- A. To help policyholders earn investment income
- B. To transfer the financial risk of a loss from an individual to an insurer
- C. To eliminate all chance that a loss will occur
- D. To guarantee a profit to the insured after a claim
Show the answer
Answer: B
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.
General Insurance concept: risk transfer
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 violate federal securities law
- C. It would require the producer to pay a fee to the association
- D. It would automatically cancel the insurer's certificate of authority
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.
Vermont Life and Health Insurance Guaranty Association Act, prohibited advertising (concept tested)
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. The score report shows pass or fail, and a failing report carries a number and diagnostics.
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 published in the official bulletin; exam fees are valid 90 days from receipt at Prometric and a new registration/fee is required to retest. 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 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 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 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.
A free placement plus free practice questions. No card to start.