Tennessee Life & Health Insurance Practice Test 2026
Practice the exam Tennessee uses, from general life & health knowledge to Tennessee'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 Tennessee's own insurance law.
Life 68, Health 68 scored questions. The time limit and passing score are set by Tennessee; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Tennessee 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 Tennessee Life & Health test
Tennessee'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
- Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance14 Qs
- Tennessee Laws and Departmental Rules Pertinent to Life Insurance Only4 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance14 Qs
- Tennessee Laws, and Departmental Rules Pertinent to Accident and Health Insurance Only4 Qs
Source: TENNESSEE Insurance Supplement, Examination Content Outlines, Effective Date: October 15, 2025, as printed in Pearson VUE #124301 | 09/2026. That PDF is TRANSITIONAL and carries two full sets; recorded here is the set in force today, 'Content outlines for exams taken BeFORe October 7, 2026'. The successor set, effective October 7, 2026, is in the same corpus text and this file must be revised on that date. Tennessee runs separate Life Agent and Accident and Health Agent exams and no combined one (the handbook, #124300, lists only those two for the line); each is a GENERAL KNOWLEDGE outline plus a TENNESSEE SPECIFIC outline whose roman numbering CONTINUES from the general one, so the state areas are V/VI for Life and VI/VII for Accident and Health. Counts are the outlines' own scoreable-question figures, stated separately from their pretest questions. (Tennessee Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Tennessee exam
Tennessee official sources
- Unfair trade practices definedTenn. Code Ann. s. 56-8-104 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
- Insurance Producers (Tennessee Insurance Producer Licensing Act of 2002)Tenn. Code Ann. tit. 56, ch. 6 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
- Policies and Policyholders (life, accident and health, and group provisions)Tenn. Code Ann. tit. 56, ch. 7 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
- Insurance Guaranty Association Act (Part 1) and Tennessee Life and Health Insurance Guaranty Association Act (Part 2, 56-12-201 et seq.)Tenn. Code Ann. tit. 56, ch. 12 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
- Health Maintenance Organization Act of 1986Tenn. Code Ann. tit. 56, ch. 32 · Public.Resource.Org bulk release of the Tennessee Code Annotated, via the Internet Archive
- 2025 Tenn. Pub. Ch. 150 (HB 1045)Tenn. Code Ann. Section 56-7-203, life insurance and annuity proceeds exempt from creditors' claims · State of Tennessee, Secretary of State Publications Division (Public Acts of the 114th General Assembly)
All Tennessee insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Tennessee provisions the questions on this page cite most often.
- Tenn. Code Ann. § 56-8-104 · Boycott, Coercion and Intimidation14 questions
- Tenn. Code Ann. § 56-7-2307 · Participation in surplus7 questions
- Tenn. Code Ann. § 56-12-204 · Persons covered: avoidance of duplicate coverage5 questions
- Tenn. Code Ann. § 56-12-218 · Sales promotions listing association prohibited3 questions
- Tenn. Code Ann. § 56-6-115 · Appointments3 questions
- Tenn. Code Ann. § 56-12-203 · Part definitions; "health benefit plan"2 questions
- Tenn. Code Ann. § 56-12-207 · Insolvent insurers: alternative or reissued policies2 questions
- Tenn. Code Ann. § 56-12-208 · Assessments: abatement and deferral2 questions
Exam figures on this page were checked against official pages: License fee · Exam fee. Confirm anything you rely on with the testing company and the Tennessee Department of Insurance.