Colorado Life & Health Insurance Practice Test 2026
Practice the exam Colorado uses, from general life & health knowledge to Colorado's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Colorado's own insurance law.
80 scored questions on each of the Health and Life exams, 2 hours allowed. The passing score is set by Colorado; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Colorado Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Colorado Life & Health test
Colorado's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement, and Other Insurance Concepts8 Qs
- Colorado Statutes, Rules, and Regulations Common to Life, Sickness and Accident, Property (fire), and Casualty Insurance20 Qs
- Colorado Statutes, Rules, and Regulations Pertinent to Life Insurance Only10 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Colorado Statutes, Rules, and Regulations Common to Life, Sickness and Accident, Property (fire), and Casualty Insurance19 Qs
- Colorado Statutes, Rules, and Regulations Pertinent to Sickness and Accident Insurance Only11 Qs
Source: Colorado Insurance Supplement Examination Content Outlines, Effective Date: January 1, 2024; Pearson VUE #120606 | 10/2024 (Colorado Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Colorado exam
Colorado official sources
- Unfair methods of competition and deceptive practicesC.R.S. s. 10-3-1104 · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)
- Individual Sickness and Accident Insurance Policy ProvisionsC.R.S. Title 10, Article 16, Part 2 (10-16-201 to 213 and 216 to 222) · leg.colorado.gov
- Insurance Code General Provisions Applicable to All InsurersC.R.S. Title 10, Article 1, Parts 1-3 · leg.colorado.gov
- Group and Blanket Health InsuranceC.R.S. 10-16-214, 10-16-215 and Article 16 Part 1 group provisions (10-16-105, 105.1, 105.2, 106, 108) · leg.colorado.gov
- Group Life InsuranceC.R.S. Title 10, Article 7, Part 2 (10-7-201 to 10-7-207) · leg.colorado.gov
- Life and Health Insurance Protection Association ActC.R.S. Title 10, Article 20 (10-20-101 to 10-20-120) · leg.colorado.gov
- Life Insurance and Annuity Contracts, Standard Nonforfeiture and ValuationC.R.S. Title 10, Article 7, Parts 1, 3, 4, 5, 7 and 8 · leg.colorado.gov
- Medicare Supplement Insurance and Long-term Care Insurance Minimum StandardsC.R.S. Title 10, Article 18 and Article 19 · leg.colorado.gov
All Colorado insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Colorado provisions the questions on this page cite most often.
- C.R.S. § 10-3-1104 · Boycott, coercion, and intimidation17 questions
- C.R.S. tit. 10 art. 16 § 10-16-202 · Required Provisions - Proofs of Loss4 questions
- C.R.S. tit. 10 art. 20 § 10-20-104 · Exclusions from coverage4 questions
- C.R.S. tit. 10 art. 7 § 10-7-102 · Life insurance policies - requirements: grace period3 questions
- C.R.S. tit. 10 art. 7 § 10-7-202 · Policy provisions: conversion to an individual policy3 questions
- C.R.S. tit. 10 art. 1 § 10-1-128 · Insurance Anti-Fraud Plan2 questions
- C.R.S. tit. 10 art. 16 § 10-16-108 · Continuation privileges: group health benefit plans2 questions
- C.R.S. tit. 10 art. 16 § 10-16-201 · Limits on Exclusions - Medical Assistance Eligibility2 questions
Exam figures on this page were checked against official pages: License fee. Confirm anything you rely on with the testing company and the Colorado Department of Insurance.