Delaware Life & Health Insurance Practice Test 2026
Practice the exam Delaware uses, from general life & health knowledge to Delaware'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 Delaware's own insurance law.
Health 92, Life 90 scored questions. The time limit and passing score are set by Delaware; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Delaware 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 Delaware Life & Health test
Delaware'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 Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance13 Qs
- Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Life and Health Insurance5 Qs
- Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Life Insurance Only10 Qs
- Insurance Ethics12 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance13 Qs
- Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Life and Health Insurance5 Qs
- Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Health Insurance Only12 Qs
- Insurance Ethics12 Qs
Source: Delaware Insurance Supplement, Examination Content Outlines, content outlines effective January 15, 2025 (Pearson VUE #120801 | 07/2025). Life and Accident & Health are separate exams, each published as a GENERAL KNOWLEDGE outline and a STATE SPECIFIC outline. The counts recorded here are the outlines' own scoreable-question figures; each outline states its pretest questions separately and those are excluded. (Delaware Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Delaware exam
Delaware official sources
- Life insurance contracts - standard policy provisionsDel. Code tit. 18, ch. 29 · Delaware Code (delcode.delaware.gov)
- Licensing of Professional Insurance PersonnelDelaware Code Title 18, Ch. 017 · State of Delaware (delcode.delaware.gov)
- Unfair Practices in the Insurance BusinessDelaware Code Title 18, Ch. 023 · State of Delaware (delcode.delaware.gov)
- Life Insurance and Annuity ContractsDelaware Code Title 18, Ch. 29 · State of Delaware (delcode.delaware.gov)
- Life Insurance ContractsDelaware Code Title 18, Ch. 031 · State of Delaware (delcode.delaware.gov)
- Licensing of Professional Insurance PersonnelDelaware Code Title 18 Chapter 17, Secs. 1701-1724 · Delaware Code Online (delcode.delaware.gov), Delaware General Assembly
- Licensing of Public AdjustersDelaware Code Title 18 Chapter 17A, Secs. 1750-1761 · Delaware Code Online (delcode.delaware.gov), Delaware General Assembly
- Unfair Practices in the Insurance BusinessDelaware Code Title 18 Chapter 23, Secs. 2301-2318 · Delaware Code Online (delcode.delaware.gov), Delaware General Assembly
All Delaware insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Delaware provisions the questions on this page cite most often.
- 18 Del. C. § 2304 · Boycott, coercion and intimidation11 questions
- 18 Del. C. Chapter 23 § 2304 · Defamation8 questions
- 18 Del. C. § 1702 · Agent of the insurer defined7 questions
- 18 Del. C. Chapter 35 § 3571F · Continuation of group health coverage: election and effective date6 questions
- 18 Del. C. § 2911 · Policy loan3 questions
- 18 Del. C. Chapter 36 § 3604 · Minimum Standards for Benefits: Categories of Coverage and Combination Policies3 questions
- 18 Del. C. § 2913 · Reinstatement2 questions
- 18 Del. C. § 3113 · Grace period2 questions
Exam figures on this page were checked against official pages: Testing company · Pre-licensing. Confirm anything you rely on with the testing company and the Delaware Department of Insurance.