District of Columbia Life & Health Insurance Practice Test 2026
Practice the exam District of Columbia uses, from general life & health knowledge to District of Columbia'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 District of Columbia's own insurance law.
Health 75, Life 80 scored questions, 2 hours allowed, 70% to pass.
Last verified September 2026 · Insurance Content Outlines
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About the District of Columbia 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 District of Columbia Life & Health test
District of Columbia'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
- Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- District of Columbia Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance20 Qs
- Distict of Columbia Laws, 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
- District of Columbia Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance20 Qs
- District of Columbia Laws, Rules, and Regulations Pertinent to Accident and Health Insurance Only5 Qs
Source: District of Columbia Insurance Supplement — Examination Content Outlines, Effective: September 2, 2025; Pearson VUE #120901 | 09/2025 (District of Columbia Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the District of Columbia exam
District of Columbia official sources
- D.C. Code Title 31, Chapter 16Prohibition of Discrimination in the Provision of Insurance on Basis of AIDS Test (§§ 31-1601 to 31-1610) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 2Duties of Commissioner; Requirements of Industry (§§ 31-201 to 31-208) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 51Credit Life, Accident, and Health Insurance (§§ 31-5101 to 31-5112) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 54Life and Health Insurance Guaranty Association (§§ 31-5401 to 31-5416) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 32Health Insurance Forms (§§ 31-3201 to 31-3255) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 34Health Maintenance Organizations (§§ 31-3401 to 31-3431) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 48Industrial Life Insurance (§§ 31-4801 to 31-4805) · Council of the District of Columbia (code.dccouncil.gov)
- D.C. Code Title 31, Chapter 47Provisions Relating to All Life Insurance Companies (§§ 31-4701 to 31-4730) · Council of the District of Columbia (code.dccouncil.gov)
All District of Columbia insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the District of Columbia provisions the questions on this page cite most often.
- D.C. Code § 31-4703 · Life policies, required provisions: payment of premiums7 questions
- D.C. Code § 31-3605 · Standards for long-term care insurance: termination3 questions
- D.C. Code § 31-1603 · Prohibited actions2 questions
- D.C. Code § 31-202 · General duties of Commissioner; service of legal process2 questions
- D.C. Code § 31-2231.11 · Unfair discrimination2 questions
- D.C. Code § 31-3703 · Standards for policy provisions: duplication of benefits2 questions
- D.C. Code § 31-4704 · Life policies, prohibited provisions: limitation of actions2 questions
- D.C. Code § 31-4711 · Group policies, required provisions: grace period2 questions
Exam figures on this page were checked against official pages: Testing company · Exam fee · License fee. Confirm anything you rely on with the testing company and the District of Columbia Department of Insurance.