A Delaware license application is denied for a cause in section 1712(a). How long before the applicant may reapply?18 Del. C. § 1712(h)
A Delaware licensee does not pay a fine ordered by the Commissioner under section 1712. What does the order do?18 Del. C. § 1712(d)
A Delaware licensee does not provide proof of meeting continuing education requirements. What follows under the statute?18 Del. C. § 1718
A Delaware licensee lets a license lapse by failing to renew on time. Within what time may the licensee reapply for the same license without a written examination?18 Del. C. § 1707(g)
A Delaware renewal fee arrives within the first grace period of 6 months after its due date. What penalty is required?18 Del. C. § 1707(g)
A lapsed Delaware licensee renews in the second grace period of 6 months. What civil fine may apply?18 Del. C. § 1707(g)
A nonresident licensee's home state license is no longer in good standing. What happens to the Delaware nonresident license?18 Del. C. § 1708(b)
A person aggrieved by an act of the Delaware Commissioner wants a hearing. Within what time must the application be filed in the Department?18 Del. C. § 323
Show all 90 questions (82 more)
Commissioner and license regulations, continued
The Delaware Commissioner denies a license application. Within what time may the applicant make written demand for a hearing?18 Del. C. § 1712(b)
For how long is a Delaware licensing examination score report valid?18 Del. C. § 1705(e)
For how long may the Delaware Commissioner place a licensee on probation?18 Del. C. § 1712(f)
How does a nonresident licensee meet Delaware's continuing education requirements, where the home state reciprocates?18 Del. C. § 1717(b)
How does the Delaware Insurance Commissioner come into office?18 Del. C. § 301(b)
How far in advance must the Delaware Commissioner give written notice of a hearing to all parties, where no longer period is provided?18 Del. C. § 324(a)
How long is the term of the Delaware Insurance Commissioner?18 Del. C. § 301(b)
How quickly must a Delaware licensee give preliminary substantive responses to Department inquiries about violations, to avoid a ground for discipline?18 Del. C. § 1712(a)(15)
In addition to or in lieu of suspension, what fine may a Delaware licensee face after hearing for each violation?18 Del. C. § 1712(d)
No greater penalty is set for a violation of the Delaware Insurance Code. On conviction, what may an individual violator face?18 Del. C. § 106(a)
Under the Delaware general penalty section, what is the top fine for a corporation for each violation?18 Del. C. § 106(a)
When does a newly elected Delaware Insurance Commissioner assume office?18 Del. C. § 301(c)
Where are prosecutions for violations of the Delaware Insurance Code brought under the general penalty section?18 Del. C. § 106(b)
Within how long must a Delaware licensee tell the Commissioner of a legal name change or a new mailing or electronic mail address?18 Del. C. § 1707(j)
Within what time may a party appeal an order on hearing of the Delaware Commissioner?18 Del. C. § 328(b)
Life insurance and group life law 16
A Delaware group life insured is given late notice of the conversion right. The additional period to convert may not extend beyond how long after the policy's own period ends?18 Del. C. § 3125
A Delaware group life insurer reserves the right to pay part of the proceeds to someone who incurred funeral or last illness expenses. What is the most it may so pay?18 Del. C. § 3118
A Delaware life insurer has not paid a death claim. From what day does additional interest at 10 percent annually begin to accrue?18 Del. C. § 2914(c)
A Delaware life insurer names a period within which a death claim must be settled. What is the longest that period may be?18 Del. C. § 2914(a)
A Delaware life policy may not limit the time to bring an action on the policy to less than what period after the cause of action accrues?18 Del. C. § 2926(a)(1)
A Delaware policy loan and interest come to equal the loan value. How much notice must the insurer mail before the policy terminates?18 Del. C. § 2911
After what period, at most, must a Delaware life policy be incontestable?18 Del. C. § 2908
At what age may a Delaware minor, with the consent of a parent or guardian, contract for insurance on his or her own life?18 Del. C. § 2707(b)
During the grace period of a Delaware life policy, what interest charge may the insurer impose on the overdue premium?18 Del. C. § 2906
For an "employer-owned life insurance policy" under the Delaware insurable interest section, how large must the employer be?18 Del. C. § 2704
For how long may a Delaware life insurer reserve the right to defer payment of a cash surrender value?18 Del. C. § 2929(a)
How does Delaware define "industrial life insurance"?18 Del. C. § 2903
How far ahead of delivery must a Delaware insurer file a policy form with the Commissioner?18 Del. C. § 2712(b)
How far back may a Delaware life policy, other than industrial, be dated before the original application?18 Del. C. § 2927(a)(1)
On reinstating a Delaware life policy, how is interest on premiums in arrears limited?18 Del. C. § 2913
Who may effect Delaware life insurance on another person without that person's application or written consent?18 Del. C. § 2708
Annuities and credit insurance 8
After how long in force must a Delaware annuity contract that required statements be incontestable?18 Del. C. § 2920
The Delaware Commissioner does not disapprove a consumer credit insurance form filing within how long before it may be deemed approved?18 Del. C. § 3707(b)
How far past the scheduled maturity date of the debt may Delaware consumer credit insurance run, absent an extension at no cost or by signed agreement?18 Del. C. § 3705
How long does a Delaware debtor have to review consumer credit insurance and ask that it be canceled for a full refund?18 Del. C. § 3706(g)
What does Delaware say about offering life insurance or annuities as an inducement to the purchase of goods or services?18 Del. C. § 2304(8)
What is the most the initial amount of Delaware credit life insurance may be?18 Del. C. § 3704(a)(1)
Which credit transaction is outside the Delaware consumer credit insurance chapter?18 Del. C. § 3702(a)
Within what time after default may a Delaware individual annuity contract be reinstated?18 Del. C. § 2924
Health insurance law 19
A Delaware applicant under 65 is eligible for Medicare due to a disability. Within what time after enrolling in Part B must the Medicare supplement application be submitted to be assured availability?18 Del. C. § 3410(a)
A Delaware family health policy requires a premium to cover a child. Within what time may it require notice of a birth and payment to continue the newborn's coverage?18 Del. C. § 3335(c)
A Delaware group health benefit is owed to a minor. Up to what amount may the insurer pay it to a relative by blood or marriage?18 Del. C. § 3524
A Delaware health insurer that reserves the right to refuse renewal must give written notice of its intention not to renew at least how long before the premium due date?18 Del. C. § 3307
A Delaware individual health policy lets the insurer pay an indemnity owed to a minor or an estate to a relative. What is the highest amount the provision may state?18 Del. C. § 3313(b)
A Delaware insurer declines an applicant because of HIV test results. What may it not disclose to the applicant?18 Del. C. § 7405
A Delaware long-term care policy conditions noninstitutional benefits on a prior institutional stay. How long a stay may it require, at most?18 Del. C. § 7105
A Delaware Medicare supplement policy may not limit benefits for a preexisting condition for loss incurred more than how long after coverage begins?18 Del. C. § 3403(b)
After how long from the date of issue may misstatements in the application, other than fraudulent ones, no longer void a Delaware individual health policy?18 Del. C. § 3306(a)
Before requiring a Delaware applicant to submit to an HIV test, what must the insurer first obtain?18 Del. C. § 7403(a)(1)
How long after proof of loss is filed must a claimant wait before suing on a Delaware group health policy?18 Del. C. § 3526
How long does a Delaware applicant have to return a long-term care policy for a refund?18 Del. C. § 7105(f)
How long must an association have been actively in existence to be a "bona fide association" for Delaware health insurance?18 Del. C. § 3506(a)
May a Delaware accident and sickness insurer refuse an individual hospital and surgical expense policy because the applicant is blind or deaf?18 Del. C. § 2316(a)
May a Delaware insurer end a person's hospital and medical-surgical coverage because the insured reaches age 65?18 Del. C. § 2315(a)
Under a Delaware group health policy, how soon after receipt of proof must benefits other than loss of time be payable?18 Del. C. § 3523
Under the Delaware proofs of loss provision, what is the latest proof may be furnished, absent legal incapacity?18 Del. C. § 3311
What fine may a Delaware agent face for violating the long-term care insurance marketing requirements?18 Del. C. § 7109
When does the annual open enrollment period for a person already enrolled in a Delaware Medicare supplement policy begin?18 Del. C. § 3411(a)
Unfair practices and insurance fraud 14
A Delaware insurer has a reasonable belief that an act of insurance fraud has been committed. What must it do?18 Del. C. § 2408
A person who did not know of the violation commits an unfair practice in Delaware. What is the aggregate cap on the monetary penalty?18 Del. C. § 2308(a)(1)
An officer of a Delaware insurer takes part in a prohibited political contribution. What punishment does the section add?18 Del. C. § 2304(6)
On what basis does Delaware forbid a life insurer from acting against an individual "without any unique and material actuarial risks"?18 Del. C. § 2304(29)
The person knew or should have known of the Delaware unfair practice violation. What penalty may be ordered for each act?18 Del. C. § 2308(a)(1)
Since when must a person in the insurance business in Delaware keep a complete record of all complaints received?18 Del. C. § 2304(17)
Under the Delaware unfair practices section, preliminary substantive responses to Department of Insurance inquiries about claim denials are due within how long?18 Del. C. § 2304(26)
What administrative penalty may the Delaware Commissioner impose for each act of insurance fraud shown by a preponderance of evidence?18 Del. C. § 2411(b)
What may a Delaware insurer not do with its money in an election for Insurance Commissioner?18 Del. C. § 2304(6)
What may a Delaware mortgagee not take from a mortgagor in connection with insurance policies?18 Del. C. § 2304(10)
What monetary penalty may follow each act that violates a Delaware cease and desist order under the unfair practices chapter?18 Del. C. § 2311(a)(1)
What name may a person who is not an insurer not use in Delaware?18 Del. C. § 2304(9)
Where is the Delaware Insurance Fraud Prevention Bureau established?18 Del. C. § 2404(a)
Where, and how soon, is an appeal taken from a Delaware unfair practices order?18 Del. C. § 2309(b)
Guaranty association 10
A Delaware member insurer fails to pay an assessment when due. The Commissioner may levy a forfeiture of no less than what amount per month?18 Del. C. § 4411
At what rate does interest accrue on a Delaware guaranty association assessment after its due date?18 Del. C. § 4409(a)
By what date each year must the Board of the Delaware guaranty association send the Commissioner its financial report?18 Del. C. § 4415
For how long are court proceedings in Delaware to which an insolvent insurer is a party stayed after a final order of liquidation?18 Del. C. § 4418
From which taxes is the Delaware guaranty association not exempt?18 Del. C. § 4416
One owner holds multiple nongroup life policies with an insolvent Delaware member insurer. What is the association's limit for that owner?18 Del. C. § 4403(c)(2)
Premiums go unpaid on a policy the Delaware guaranty association has guaranteed. After how long do its obligations under the policy terminate?18 Del. C. § 4408(c)
What is the Delaware guaranty association limit on the present value of annuity benefits for one life?18 Del. C. § 4403(c)(2)
What is the most the Delaware Life and Health Insurance Guaranty Association covers in life insurance death benefits on any one life?18 Del. C. § 4403(c)(2)
What limit does the Delaware guaranty association apply to disability income insurance on one life?18 Del. C. § 4403(c)(2)
How this list was compiled: Own questions, written from Title 18 (Insurance Code) of the Delaware Code: chapters 1, 3, 17, 23, 24, 27, 29, 31, 33, 34, 35, 37, 44, 71 and 74, read on 2026-10-13 in the Delaware Code Online of the State of Delaware (https://delcode.delaware.gov/title18/index.html). Each question names its section and links to it. The topics follow the Life State Specific content outline (40 scoreable questions) and the Accident and Health State Specific content outline (42 scoreable questions), effective January 15, 2025, in the Licensing Examination Candidate Handbook that the Delaware Department of Insurance links from its Producer Licensing page, https://insurance.delaware.gov/divisions/renewlicense/ (the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120800.pdf); each outline prints the Title 18 sections beside its topics. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course, a study guidebook or an exam question pool.
How it works
This unofficial Delaware life and health insurance practice test covers the state specific part of each exam: 90 of our own questions from Title 18 of the Delaware Code. Not affiliated with the Delaware Department of Insurance.
Read the full guide
What the Delaware state specific part asks
Both outlines open with license regulations, marketing practices and the Insurance Commissioner (13 questions), then credit insurance and the guaranty association (5). Life adds standard policy provisions, annuities, nonforfeiture and group life (10); Accident and Health adds individual and group provisions, long-term care, Medicare supplement and AIDS-related testing (12). Insurance ethics, which cites chapters 17, 23 and 24, fills the rest. The outlines print the Title 18 section beside each topic.
An elected Commissioner
Delaware elects its Insurance Commissioner at a general election for a term of 4 years, and section 2304(6) bars an insurer from paying toward any candidate for that office.
Examination score reports are valid for 12 months from the date of examination (18 Del. C. § 1705).
A lapsed license: 6 months at double the unpaid renewal fee, then 6 more with a civil fine of $200 to $1,000 (§ 1707).
An unpaid death claim draws 10 percent additional interest from the 31st calendar day (§ 2914).
Questions and answers
How many questions are on the Delaware life and health insurance exam?
The candidate handbook lists, for the Life Producer exam, 50 scored general questions in 1 hour 15 minutes and 40 scored state questions in 1 hour. The Accident and Health Producer exam has 50 general and 42 state questions with the same timings.
What is the passing score for the Delaware insurance exam?
The handbook says raw scores are converted to a scale of 0 to 100, that the scaled score needed is 70 on some exams and 80 on others, and that the passing score is listed on the score report.
Does Delaware require prelicensing education for the insurance exam?
No. The handbook says the Delaware Department of Insurance sets no particular pre-licensing course and does not otherwise screen candidates beforehand. A score report stays valid for 12 months (18 Del. C. § 1705).
Are these the real Delaware insurance exam questions?
No. They are our own, written from Title 18 of the Delaware Code. This site has never seen the state exam, and the Department did not write or review them. Exam mode draws 40 questions in 60 minutes, the size of the Life state part.