A nonresident producer licensed in Illinois meets the home state's continuing education requirement. When does that satisfy the Illinois requirement?215 ILCS 5/500-90(b)
A producer licensed in another state applies in Illinois after that license was canceled. The examination exemption applies if the application is received within how long of the cancellation?215 ILCS 5/500-45(a)
After notifying the Illinois Director of a producer's termination, within how long must the insurer mail a copy of the notification to the producer?215 ILCS 5/500-85(c)
An Illinois insurer delivers a policy to a producer who requested it. For how long after delivery is the producer authorized to collect premiums that become due?215 ILCS 5/500-115(a)
An Illinois insurer terminates a producer for a reason listed in section 500-70. Within how long must it notify the Director?215 ILCS 5/500-85(a)
An Illinois policy is canceled within 90 days of inception. Within how long of receiving proper documentation must the producer refund a prorated part of a separate fee?215 ILCS 5/500-80(e)(3)
An Illinois producer charges a fee separate from commission. For how long must a copy of the written fee disclosure be kept?215 ILCS 5/500-80(e)(1)
Show all 137 questions (130 more)
Producer licensing and continuing education, continued
An Illinois producer is convicted of a felony while licensed. By when must the conviction be reported to the Director?215 ILCS 5/500-95
An Illinois producer knowingly converts fiduciary moneys of $150 or less for the first time. What is the offense?215 ILCS 5/500-115(d)
An Illinois producer knowingly misappropriates premiums in excess of $150. What is the offense under section 500-115?215 ILCS 5/500-115(d)
An Illinois producer lets the license lapse. Within how long after the renewal fee due date may a license be issued again without a written examination?215 ILCS 5/500-35(d)
An Illinois producer places insurance with an insurer with which the producer has no agency contract. What bond amount does section 500-130 require?215 ILCS 5/500-130
An Illinois producer receives the duplicate of a regulatory examination report. Within how long may a hearing be requested?215 ILCS 5/500-110
At what level of fee must an Illinois producer's fee disclosure also carry the consumer's signature?215 ILCS 5/500-80(e)(2)
For how long at most may the Illinois Director first issue a temporary insurance producer license?215 ILCS 5/500-60(a)
For how long is a person whose Illinois producer license is revoked ineligible to apply for any license?215 ILCS 5/500-70(g)
For what term is an Illinois insurance producer license issued under section 500-35?215 ILCS 5/500-35(a)
How many hours of course study must an Illinois insurance producer complete before each license renewal?215 ILCS 5/500-35(b)(1)
How many hours of each Illinois pre-licensing course, other than Motor Vehicle, must be completed in a classroom or webinar setting?215 ILCS 5/500-30(b)
How many of an Illinois producer's continuing education hours must be classroom or webinar ethics instruction?215 ILCS 5/500-35(b)(1)
How much continuing education credit may the Illinois Director approve for active participation in a professional insurance association in one biennial reporting period?215 ILCS 5/500-35(b)(3)
The Illinois Director mails notice that a producer license is revoked. Within how long may the licensee make written demand for a hearing?215 ILCS 5/500-70(b)
To whom may an Illinois temporary producer license be issued when a licensed producer dies?215 ILCS 5/500-60(a)(1)
What application fee does Illinois section 500-135 set for a request to take the written producer examination?215 ILCS 5/500-135(a)(5)
What civil penalty may be imposed in Illinois for each cause for denial, suspension or revocation of a producer license?215 ILCS 5/500-70(d)
What does Illinois section 500-140 call a person who must be licensed as a producer but has no valid license?215 ILCS 5/500-140
What fee does an Illinois resident pay once every 2 years for an insurance producer license under section 500-135?215 ILCS 5/500-135(a)(1)
What happens to an Illinois insurance producer license when the producer fails to meet the continuing education requirement?215 ILCS 5/500-35(b)(2)
What is the ceiling on the total aggregate liability of the Illinois producer bond under section 500-130?215 ILCS 5/500-130
What is the longest cumulative time an Illinois license may stay on inactive status under section 500-120?215 ILCS 5/500-120(c)
What is the minimum number of pre-licensing hours the Illinois Insurance Code sets for the Life class of insurance?215 ILCS 5/500-30(b)
What is the most the civil penalties under Illinois section 500-70(d) may total?215 ILCS 5/500-70(d)
What late charge may an Illinois producer add to an open account balance not paid within the agreed period?215 ILCS 5/500-115(c)
What must accompany an application to restore an Illinois license from inactive status?215 ILCS 5/500-120(b)
What penalty does Illinois section 500-35(d) require from a producer who renews after the due date?215 ILCS 5/500-35(d)
When must the hearing on an Illinois license revocation be held, counted from the mailing of the notice of hearing?215 ILCS 5/500-70(b)
Which Illinois continuing education requirement can credit for association participation not be used to satisfy?215 ILCS 5/500-35(b)(3)
Which is a listed cause for discipline of an Illinois insurance producer under section 500-70(a)?215 ILCS 5/500-70(a)(13)
Which person may give advice for a fee about Illinois insurance policies without a producer license, under section 500-15(b)?215 ILCS 5/500-15(b)(3)
Which tax failure is a listed cause for the Illinois Director to suspend a producer license?215 ILCS 5/500-70(a)(14)
Within how long must an Illinois licensee inform the Director of a change of address?215 ILCS 5/500-35(g)
Within how long of each other must part one and part 2 of the Illinois insurance producer examination be passed?215 ILCS 5/500-25(a)
Life policy provisions 25
After an Illinois life policy has been in force how long must the company advance a loan on the sole security of the policy?215 ILCS 5/224(1)(f)
After receiving due proof of death, by when must an Illinois life insurer settle the claim under section 224(1)(j)?215 ILCS 5/224(1)(j)
An Illinois employer insures employees' lives with notice to them. The consent requirement is met if the employee does not reject coverage within how long of receiving the notice?215 ILCS 5/224.1
An Illinois individual life policy must let the insured pay a late premium, after the first, within what period of grace?215 ILCS 5/224(1)(b)
An Illinois life company agrees in writing to extend the time to pay a premium. Must the agreement be attached to the policy?215 ILCS 5/235
An Illinois life company never mailed the premium notice that section 234 calls for. How soon after the default may it treat the policy as lapsed?215 ILCS 5/234(1)
An Illinois life policy lapsed for a missed premium. Section 224(1)(i) lets the owner apply to reinstate it for how long after the default?215 ILCS 5/224(1)(i)
An Illinois life policy may not be forfeited for failure to repay a policy loan while what is true?215 ILCS 5/225(1)(d)
An Illinois life policy may not limit the time to bring an action to less than how long after the cause of action accrues?215 ILCS 5/225(1)(a)
An Illinois life policyholder pays a premium late, inside the grace period. At most, what interest may the policy charge for those days?215 ILCS 5/224(1)(b)
At what yearly rate does interest accrue on Illinois life insurance death proceeds that are not paid in time?215 ILCS 5/224(1)(l)
Before an Illinois life company may enact a non-forfeiture option, what must it give the policyowner?215 ILCS 5/234.1
By when must a participating Illinois life policy begin to share annually in the company's surplus?215 ILCS 5/224(1)(e)
Dividends left to accumulate under an Illinois life policy must earn interest of at least what rate?215 ILCS 5/224(1)(e)
How long is the free look that an Illinois life policy, or a notice attached to it, must give the policy owner?215 ILCS 5/224(1)(n)
How must premiums after the first be payable under the standard provisions of an Illinois life policy?215 ILCS 5/224(1)(a)
Interest on Illinois death proceeds is avoided when payment is made within how long of the latest triggering date, such as receipt of due proof of death?215 ILCS 5/224(1)(l)
Life insurance proceeds payable to an Illinois insured's spouse or dependent are exempt from what, under section 238?215 ILCS 5/238(a)
Under Illinois section 154, when does a misrepresentation in the application defeat a policy?215 ILCS 5/154
Under Illinois section 224.1, when must an insurable interest exist?215 ILCS 5/224.1
Under Illinois section 231.1, how many days of grace does the holder of a group life policy have to pay a premium other than the first?215 ILCS 5/231.1
When an Illinois parent insures the life of a minor child, to whom may the company send the premium notice of section 234?215 ILCS 5/234(1)
Which condition may an Illinois life policy keep contestable after two years under section 224(1)(c)?215 ILCS 5/224(1)(c)
Which provision is prohibited in an Illinois life policy by section 225(1)(e)?215 ILCS 5/225(1)(e)
Within how long of submission must the Illinois Director approve, withdraw or disapprove a life policy form, before any extension?215 ILCS 5/143(1)
Replacement and annuity contracts 10
An Illinois annuity contract in force three years lapses. Before the reserve buys a paid-up annuity, how much of it may be deducted?215 ILCS 5/226(1)(f)
An Illinois insurer replacing a life policy chooses to delay issue. For how long from sending a policy summary to the existing insurer must it wait?215 ILCS 5/224(2)
An Illinois replacing insurer uses the refund notice option. Within how long after issuing the replacement policy must it send a policy summary to the existing insurer?215 ILCS 5/224(2)
For stipulated payments that fall due after the first year, an Illinois annuity contract must allow how long a period of grace?215 ILCS 5/226(1)(a)
How often must divisible surplus be apportioned under a participating Illinois annuity contract?215 ILCS 5/226(1)(e)
In an Illinois life insurance replacement with a refund notice, how long from delivery does the insured have for an unconditional refund of premiums?215 ILCS 5/224(2)
What is the title of the form in which an Illinois replacing insurer states the insured's right to a refund?215 ILCS 5/224(2)
Which annuities are excepted from the standard provisions of Illinois section 226?215 ILCS 5/226(1)
Which statements stay outside the two-year incontestable provision of an Illinois annuity contract?215 ILCS 5/226(1)(b)
Within how long from default may an Illinois annuity contract be reinstated under section 226(1)(g)?215 ILCS 5/226(1)(g)
Accident and health provisions 26
A premium accepted to reinstate an Illinois accident and health policy may not be applied to a period more than how long before reinstatement?215 ILCS 5/357.5
After notice of claim, how long does an Illinois accident and health insurer have to furnish claim forms before the claimant may file proof without them?215 ILCS 5/357.7
An Illinois accident and health claim is for a single hospital stay, not a continuing benefit. How long after the date of the loss does the insured have to furnish written proof?215 ILCS 5/357.8
An Illinois accident and health company asks for a reinstatement application, issues a conditional receipt for the premium and then sends no answer. When does section 357.5 reinstate the policy?215 ILCS 5/357.5
An Illinois accident and health insurer reserves the right to refuse renewal. How far ahead of the premium due date must its notice of nonrenewal be delivered or mailed?215 ILCS 5/357.4
An Illinois accident and health policy is paid for monthly. Section 357.4 sets its grace period at not less than how many days?215 ILCS 5/357.4
An Illinois accident and health policy lapsed and was reinstated. Loss from a sickness is covered when the sickness starts how long after that?215 ILCS 5/357.5
An Illinois accident and health policy may use the caption INCONTESTABLE in place of the time limit clause if the insured may keep it in force until at least what age?215 ILCS 5/357.3
An Illinois disability policy may pay loss-of-time benefits for at least 2 years. How often may it require notice that the disability continues?215 ILCS 5/357.6
An Illinois family accident and health policy covers children under a specified age. What is the highest age section 356a lets it specify?215 ILCS 5/356a(1)(c)
An Illinois insured asks in writing for a copy of a reinstatement application. Within how long must the insurer deliver or mail it?215 ILCS 5/359a(1)
An Illinois insured is hurt after changing to a more hazardous occupation. What does the change of occupation provision have the company pay?215 ILCS 5/357.15
An Illinois insurer wants to reword a required accident and health policy provision. What does section 357.1 demand of the substitute wording?215 ILCS 5/357.1
An insured Illinois employee dies. For how long at least must dependents' coverage under the group accident and health policy continue?215 ILCS 5/367
Below what amount need late-payment interest not be paid on an Illinois accident and health claim?215 ILCS 5/357.9
By when must periodic loss-of-time payments begin under an Illinois accident and health policy, by section 357.9a?215 ILCS 5/357.9a
From when must an Illinois family accident and health policy cover a newly born child under section 356c?215 ILCS 5/356c(2)
Under an Illinois accident and health policy with no beneficiary designation in effect, to whom is indemnity for loss of life payable?215 ILCS 5/357.10
What interest rate does an Illinois accident and health insurer owe on a claim paid late under section 357.9?215 ILCS 5/357.9
What is the largest amount an Illinois accident and health policy may let the company pay to a relative it deems equitably entitled, under the optional clause of section 357.10?215 ILCS 5/357.10
When is an Illinois insured bound by a statement in an application for an accident and health policy?215 ILCS 5/359a(1)
When may an Illinois accident and health insurer make an autopsy under the required provision of section 357.11?215 ILCS 5/357.11
When must the premium notice for an Illinois accident and health policy be mailed under section 357.2?215 ILCS 5/357.2
Where a premium is needed to cover a newborn, within how long may an Illinois policy require notification of the birth?215 ILCS 5/356c(3)
Within how long after a covered loss begins must written notice of claim be given under an Illinois accident and health policy?215 ILCS 5/357.6
Within how long after receiving due proof of loss must an Illinois accident and health insurer pay claims under section 357.9?215 ILCS 5/357.9
Unfair practices and penalties 16
Besides nursing home residents, Illinois section 424(7) protects individuals over what age from pressured accident or health insurance sales?215 ILCS 5/424(7)
For a vexatious and unreasonable delay in settling a claim, what share of the recovery may an Illinois court add under section 155?215 ILCS 5/155(1)
How soon after service of the charges may the Illinois Director hold a hearing on an unfair practice under section 426?215 ILCS 5/426(1)
Illinois section 149(2) bars a misleading comparison of policies made to induce a policyholder to do what?215 ILCS 5/149(2)
On what ground alone may an Illinois life company not refuse to insure a person, under section 236(c)?215 ILCS 5/236(c)
Under Illinois section 149(4), sales material may not imply that a company's policies are approved, endorsed or guaranteed by whom?215 ILCS 5/149(4)
Under Illinois section 151, an inducement to insurance is a prohibited rebate when it is what?215 ILCS 5/151(1)
Under Illinois section 424(7), how long must a seller wait before making insurance changes for a nursing home resident being sold accident or health insurance?215 ILCS 5/424(7)
What does Illinois section 149(3) prohibit circulating about another company?215 ILCS 5/149(3)
What does Illinois section 237 forbid a life company to issue as an inducement to insurance?215 ILCS 5/237
What fixed dollar figure appears among the ceilings an Illinois court may apply under section 155 for vexatious delay?215 ILCS 5/155(1)
What is the most a person forfeits for each violation of a final Illinois cease and desist order under section 431?215 ILCS 5/431
When may an Illinois life company charge a different rate to an individual with a disability, under section 236(b)?215 ILCS 5/236(b)
Which concerted act does Illinois section 424(2) define as an unfair method of competition?215 ILCS 5/424(2)
Which statement about dividends does Illinois section 149(1) prohibit?215 ILCS 5/149(1)
Within how long of a request must an Illinois company provide claim forms to avoid an improper claims practice under section 154.6?215 ILCS 5/154.6(o)
Guaranty association 18
According to Illinois section 531.02, against what does the guaranty association law protect covered persons?215 ILCS 5/531.02
An Illinois life company is insolvent. For life insurance on one life, section 531.03 covers how much in net cash surrender and withdrawal values?215 ILCS 5/531.03
For health benefit plans, what is the most the Illinois guaranty association will cover in the aggregate for any one individual?215 ILCS 5/531.03
How is an Illinois Class B assessment for an insolvent insurer's long-term care insurance split between member insurer groups?215 ILCS 5/531.09
How many accounts must the Illinois guaranty association maintain for purposes of administration and assessment?215 ILCS 5/531.06
How many classes of assessments does the Illinois guaranty association law provide?215 ILCS 5/531.09(2)
The Illinois guaranty association assesses its members. Counting from the written notice, when is the assessment due?215 ILCS 5/531.09(1)
One owner holds many nongroup life policies with an insolvent Illinois insurer. What is the guaranty association's limit for that owner?215 ILCS 5/531.03
Through what does the Illinois guaranty association exercise its powers?215 ILCS 5/531.06
What are Class B assessments of the Illinois guaranty association made for?215 ILCS 5/531.09(2)
What does Illinois section 531.17 give member insurers and the guaranty association for actions taken under the Article?215 ILCS 5/531.17
What is the Illinois guaranty association's limit for disability income insurance benefits with respect to one life?215 ILCS 5/531.03
What is the Illinois guaranty association's limit for each payee of a structured settlement annuity?215 ILCS 5/531.03
What is the Illinois guaranty association's limit for life insurance death benefits with respect to any one life?215 ILCS 5/531.03
What is the name of the body created by Article XXXIII 1/2 of the Illinois Insurance Code to protect policyholders of insolvent life insurers?215 ILCS 5/531.06
What is the yearly ceiling on Illinois guaranty association assessments against a member insurer for one account?215 ILCS 5/531.09
What kind of body is the Illinois guaranty association under section 531.06?215 ILCS 5/531.06
What must the Illinois guaranty association issue to each member insurer that pays a Class B assessment?215 ILCS 5/531.09(9)
How this list was compiled: Illinois Insurance Code (215 ILCS 5), Articles IX, XIV, XX, XXVI, XXXI and XXXIII 1/2, on the Illinois General Assembly's own site (https://www.ilga.gov). Each question names its section and links to it. Read 2026-10-04. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the code. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Illinois life insurance practice exam asks the law only: 137 free questions written from the Illinois Insurance Code, accident and health sections included. Policy types, underwriting and textbook theory are left out.
Read the full guide
What the Illinois law questions cover
Six groups: producer licensing and continuing education, life policy provisions the code requires, replacement and annuity contracts, accident and health provisions, unfair practices and penalties, and the guaranty association. Missed questions collect in their own pile.
Studying for life insurance alone
Set the topic filter to Life policy provisions, then to Replacement and annuity contracts. The producer licensing and guaranty association questions apply to both lines. Every answer shows its section of 215 ILCS 5.
Life grace period: 30 days or one month, with interest of no more than 6% a year (224).
Life free look: 10 days from delivery; a replacement with the refund notice gives 20 days (224).
Death proceeds earn 10% yearly interest unless paid within 31 days of the latest listed date (224).
Questions and answers
How many questions are on the Illinois life insurance test?
This page does not say. The code sections read for this bank set no length, time limit or pass mark; section 500-25 only requires both parts to be passed within 90 days of each other. Exam mode's 25 questions are only a set size.
How many continuing education hours does an Illinois insurance producer need?
24 hours of course study before each license renewal, under 215 ILCS 5/500-35. Three of those hours must be classroom or webinar ethics instruction, and the license terminates automatically when the requirement is not met.
How many pre-licensing hours does Illinois list for a life insurance license?
20 hours for the Life class, in the table of 215 ILCS 5/500-30, and 20 more for Accident and Health. Of each course, 7.5 hours must be completed in a classroom or webinar setting.
Are these the real Illinois life insurance exam questions?
No. This site has never seen the state exam. The questions were written from the Illinois Insurance Code, and the Illinois Department of Insurance did not write or review them.