Vermont Life & Health license exam prep

Vermont Life & Health Insurance Practice Test 2026

Practice the exam Vermont uses, from general life & health knowledge to Vermont's own insurance law. Every answer quotes the statute behind it.

Start practicing

What the Vermont exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Vermont's own insurance law.

Vermont requirement to pass

150 scored questions, 2 hours 30 minutes allowed. The passing score is set by Vermont; check the candidate handbook.

Last verified September 2026 · Producer's Examination for Life, Accident, Health and HMO

Study by topic

Master each topic before your Vermont exam. First 4 topics are free to start.

PersonalizedStudy your weak spots first PRO

Vermont insurance lawPRO85 questions Practice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Life & Health Exam SimulatorPROA timed, full-length practice exam with no feedback until you finish, so it feels like test day.

Quick QuizPROA short set drawn from the questions you miss most, reshuffled every time.

Readiness analysisPROYour strengths, weak spots, and estimated pass probability across the bank.

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

See Plans and Pricing

SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Vermont 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.

Frequently asked questions

Vermont publishes 150 scored questions, with 2 hours 30 minutes to finish. Exams also include a few unscored pretest questions.

Vermont gives Life & Health as one combined exam.

The passing score is set by Vermont. Most states use 70%, but check the Vermont candidate handbook from the testing vendor for the exact figure.

Vermont uses Prometric, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The fee is set by Vermont and its testing vendor and can change. Check the Vermont candidate handbook from the testing vendor for the exact figure.

It depends on the state and license. Check the Vermont Department of Insurance for the current Life & Health pre-licensing requirement before you register.

Retake rules come from Vermont and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Vermont candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Vermont Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Vermont insurance law.

More Vermont practice tests

Vermont Property & Casualty practice test Vermont Personal Lines practice test

Life & Health practice tests in other states

California Texas Florida New York Pennsylvania Illinois Ohio Georgia North Carolina Michigan New Jersey Virginia

See all Life & Health states →