A nonresident licensed producer moves to Iowa and wishes to keep the nonresident license. The change of address is filed within how many days of the change of legal residence?191 IAC 10.12(3)
After notifying the Iowa commissioner that a producer was terminated, the insurer mails the producer a copy of the notification within how many days?Iowa Code 522B.14
An Iowa applicant has a felony conviction involving dishonesty or breach of trust. What must the applicant obtain before a producer license can be issued?Iowa Code 522B.16B(3)
An Iowa insurance producer license is valid for how long?Iowa Code 522B.6(1)
An Iowa insurer appoints a producer as its agent. The notice of appointment is filed within how many days of executing the agency contract or receiving the first application?Iowa Code 522B.13
An Iowa insurer that believes a claim violates the insurance fraud statute gives written notification to the fraud bureau within how many days of receiving the claim?Iowa Code 507E.6
An Iowa producer facing a criminal prosecution reports it to the commissioner within thirty days of what date?Iowa Code 522B.16(2)
Show all 79 questions (72 more)
Commissioner, licensing and producer duties, continued
An Iowa producer is disciplined by another state's insurance regulator. The producer reports it to the Iowa commissioner within how many days of final disposition?Iowa Code 522B.16(1)
An Iowa producer lets a license lapse. Within how long from the due date of the renewal fee can it be reinstated without a written examination?Iowa Code 522B.6(4)
Before recommending a life insurance purchase, an Iowa producer must have reasonable grounds to believe what about the transaction?191 IAC 15.8
For how long after an insurance transaction is completed must an Iowa producer maintain the usual and customary records of it?Iowa Code 522B.16A(1)
For how long after the date of the test are Iowa producer examination results valid?191 IAC 10.4(4)
How many continuing education credits must a resident Iowa producer complete each CE term?191 IAC 11.3(1)
How many of an Iowa producer's continuing education credits each term must be in the subject of ethics?191 IAC 11.3(1)
Iowa lets most insurance notices be delivered by electronic means. Which notice is delivered by mail unless special verified-delivery rules are met?Iowa Code 505B.1(2)
Iowa lets the commissioner issue a temporary license to a resident applicant who met every requirement but has not been issued a license within how long of submitting fingerprints?Iowa Code 522B.10(1)
Iowa producers keep the original certificates of completion for CE courses for how long after the end of the year of attendance?191 IAC 11.4
May an Iowa producer carry CE credits earned beyond the requirement over to the next CE term?191 IAC 11.3(3)
To earn Iowa CE credit for a self-study course that is not part of a national designation program, a producer must correctly answer at least what share of the examination questions?191 IAC 11.3(4)
Under Iowa law, when may renewal commissions be paid to a person who is no longer licensed?Iowa Code 522B.12(3)
Under the Iowa Insurance Division's rule, a temporary license is first issued for how many days, before any extension?191 IAC 10.11
Under the Iowa rule on producer responsibilities, a producer may not accept a personal loan from an insurance customer that in the aggregate exceeds how much, unless the customer is a lender or immediate family?191 IAC 15.8(5)
Unless a statute provides otherwise, an Iowa commissioner's civil penalty after hearing, for a person who did not know of the violation, may not exceed how much for each act?Iowa Code 505.7A
When must an Iowa producer who does business under a name other than the producer's legal name notify the commissioner?Iowa Code 522B.9
Where a person knew or should have known of a violation, Iowa Code 505.7A caps each act's civil penalty at how much?Iowa Code 505.7A
Where must an Iowa producer keep the usual and customary records of the producer's transactions?Iowa Code 522B.16A(1)
Which of these is a listed ground for the Iowa commissioner to suspend a producer's license?Iowa Code 522B.11(1)
Who appoints Iowa's commissioner of insurance, and for how long does the commissioner serve?Iowa Code 505.2(1)
Who is protected from civil liability for reporting suspected insurance fraud to Iowa's insurance division?Iowa Code 507E.7(1)
With intent to defraud an insurer, a person presents a claim document knowing it contains false information on a material fact. What offense is this in Iowa?Iowa Code 507E.3(2)
Within how many days must an Iowa licensee inform the commissioner of a change of legal name or address?Iowa Code 522B.6(7)
Life and group life law 10
After Iowa group life coverage ends with employment, application for the individual policy and the first premium are due within how many days?Iowa Code 509.2(8)
An Iowa group life policy gives the policyholder a grace period of how many days for the payment of any premium due except the first?Iowa Code 509.2(1)
An Iowa insurer owes interest on death proceeds it has not paid within how many days after receipt of satisfactory proof of death?Iowa Code 511.38(1)
In Iowa, a group policy issued to a teachers' association or lawyers' association may insure not less than what share of the members?Iowa Code 509.1(2)
On converting Iowa group life coverage after employment ends, the individual policy may be on any form the insurer customarily issues except which?Iowa Code 509.2(8)
The rate of interest on delayed Iowa death proceeds is the higher of the company's policy loan rate and what other rate?Iowa Code 511.38(2)
Under Iowa law, an assignment by a person insured under a group life policy does not affect the insurer until what happens?Iowa Code 509.15
Under Iowa law, interest on delayed death proceeds is computed from what date?Iowa Code 511.38(2)
What is the most an Iowa group life insurer may pay, at its option, to a person equitably entitled because of the insured's funeral or last-illness expenses?Iowa Code 509.2(6)
When does Iowa's interest rule for delayed death proceeds require no interest payment?Iowa Code 511.38(3)
Replacement and illustrations 8
A replacement sale closes in Iowa. The replacing insurer must tell the owner of a right to return the contract for a full refund within how many days of delivery?191 IAC 16.26(1)
After notice that its policy is being replaced, an Iowa existing insurer sends the owner a letter about the right to policy information within how many business days?191 IAC 16.27(2)
An Iowa replacing insurer that uses producers keeps signed copies of the notice regarding replacements for at least how long after the proposed policy terminates or expires?191 IAC 16.25(5)
In an Iowa replacement, the notice regarding replacements is signed by the applicant and the producer to attest to what?191 IAC 16.24(2)
Iowa's replacement rules exempt an existing non-convertible term life policy that cannot be renewed and will expire in how many years or less?191 IAC 16.23
Under Iowa's life illustration rules, an in-force illustration is one furnished after the policy it depicts has been in force how long?191 IAC 14.4
Under Iowa's life illustration rules, what is a scale of nonguaranteed elements in effect for a policy form as of the illustration's preparation date, or declared to become effective within the next 95 days?191 IAC 14.4
When the replacing and the existing insurer are the same or affiliates, Iowa requires credit for time elapsed under the old policy's incontestability period and which other period?191 IAC 16.26(2)
Accident and health law 16
A contributory Iowa employer group accident and health policy may be placed in force only if at least what share of the eligible employees elect to contribute?Iowa Code 509.1(1)
Absent a physician's recommendation for more, how often does Iowa's mandate cover a mammogram for a woman forty through forty-nine years of age?Iowa Code 514C.4
An Iowa group health policy continues an unmarried child's coverage at least until the child marries, leaves the state or attains what age, or while a full-time student?Iowa Code 509.3
An Iowa individual accident and sickness policy must let the insured return it for a premium refund within how many days after receipt?Iowa Code 514A.3(1)
An Iowa individual health policy lets the insurer refuse renewal. Written notice of the intention not to renew is due not less than how many days before the premium due date?Iowa Code 514A.3(1)
For Iowa's adopted-child coverage, a child is an individual who has not attained what age as of the adoption decree or placement for adoption?Iowa Code 514C.10
For Iowa's individual health market law, an eligible individual has qualifying existing coverage or had it within the immediately preceding how many days?Iowa Code 513C.3
Iowa's diabetes coverage mandate applies to equipment, supplies and self-management training when they are prescribed by whom?Iowa Code 514C.18(1)
Iowa's mammography mandate covers one baseline mammogram for a woman in which age band?Iowa Code 514C.4
The perinatal guidelines Iowa's postdelivery care law refers to give what minimum postpartum hospital stay for a cesarean birth without complications?Iowa Code 514C.12
Under Iowa's Medicare supplement rules, a continuous period of creditable coverage has no break in coverage greater than how many days?191 IAC 37.21
Under Iowa's Medicare supplement rules, a policy may not contain limitations or exclusions on coverage that are more restrictive than whose?191 IAC 37.5(1)
Under Iowa's small group health law, a small employer employed at least one and not more than how many full-time equivalent eligible employees?Iowa Code 513B.2
Under Iowa's small group health law, an eligible employee works on a full-time basis with a normal workweek of how many hours?Iowa Code 513B.2
Where a premium is required to cover a newborn, an Iowa health policy may require notice of the birth and payment within how many days after the date of birth?Iowa Code 514C.1
Where giving proof of loss on time was not reasonably possible, an Iowa individual health policy still requires it no later than how long after it was otherwise due, absent legal incapacity?Iowa Code 514A.3(1)
Unfair trade practices 8
A person issued a summary cease and desist order under Iowa's unfair trade practices chapter has at least how long to request a contested case hearing?Iowa Code 507B.6A(2)
Absent good cause, a person's response to an inquiry from the Iowa commissioner is untimely after how many days from receipt of the inquiry?Iowa Code 507B.4A(1)
An Iowa health insurer that fails to timely pay a clean claim owes interest at what rate per annum?Iowa Code 507B.4A(2)
An Iowa notice of hearing on an unfair trade practice charge must set the hearing no sooner than how many days after service?Iowa Code 507B.6
Interest on an Iowa health claim that was not timely paid begins to accrue on which day after receipt of all properly completed proof of loss forms?Iowa Code 507B.4(3)
Iowa's unfair discrimination rule bars encouraging a family to refrain from applying for coverage for a child under what age because of the child's health status?191 IAC 15.11(6)
Under Iowa's unfair trade practices chapter, may an insured knowingly accept a rebate of premium that the policy does not specify?Iowa Code 507B.4(3)
Under the Iowa Insurance Division's rule, the owner of an individual life policy or annuity may return it during a free-look period of how many days after receipt?191 IAC 15.9
Guaranty association 6
An unpaid assessment of the Iowa life and health insurance guaranty association accrues interest at what rate per annum from its due date?Iowa Code 508C.9(1)
Before it becomes obligated, the Iowa guaranty association may ask for a temporary moratorium on payments of cash values and policy loans not exceeding how long?Iowa Code 508C.8
For one life, Iowa's life and health insurance guaranty association covers up to how much in net cash surrender and net cash withdrawal values for life insurance?Iowa Code 508C.3
May an Iowa producer tell a prospect that the guaranty association stands behind a policy as a reason to buy it?Iowa Code 508C.18
What is the Iowa guaranty association's limit for one life on health benefit plans?Iowa Code 508C.3
What is the Iowa guaranty association's limit for one life on the present value of annuity benefits?Iowa Code 508C.3
How this list was compiled: Iowa Code 2026, chapters 505, 505B, 507B, 507E, 508C, 509, 511, 513B, 513C, 514A, 514C and 522B, and Iowa Administrative Code, Insurance Division [191], chapters 10, 11, 14, 15, 16 and 37, read on October 9, 2026 in the files the Iowa Legislature publishes (https://www.legis.iowa.gov/law/iowaCode and https://www.legis.iowa.gov/law/administrativeRules). The topics and the sections asked follow the Life and the Accident and Health "Iowa Specific" content outlines (State Laws, Rules, Regulations and Coverages; effective January 1, 2026), which print the Code and rule references beside each topic; the outlines and the candidate handbook are on the exam page the Iowa Insurance Division uses for producer licensing (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121601.pdf). 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 or an exam question pool.
How it works
These unofficial Iowa life insurance license practice test questions cover the Iowa Specific part of the Life and the Accident and Health producer exams: 79 of our own questions from the Iowa Code and the Insurance Division's rules. Not affiliated with the Iowa Insurance Division.
Read the full guide
Iowa state insurance testing practice: the state part
Each exam pairs a general part of 50 scored questions with an Iowa part: 27 scored questions for Life (15 on law common to all lines, 12 on life only) and 30 for Accident and Health (15 and 15). The groups here follow that split.
Iowa life and health insurance exam study guide: what is left out
The general-knowledge part (policy types, riders, tax) is not asked. Every answer names its Iowa Code section or its rule in 191 IAC, so the bank works as a study guide to the law the outline cites.
An Iowa producer license is valid for three years; each CE term needs 36 credits, three in ethics (522B.6, 191 IAC 11.3).
Examination results are valid for 90 days after the test, so apply within that time (191 IAC 10.4).
Death proceeds unpaid 30 days after proof of death earn interest from the day the proof was received (511.38).
Questions and answers
How many questions are on the Iowa life insurance license exam?
The outlines effective January 1, 2026 give the Life exam a general part of 50 scored questions and an Iowa part of 27, each with 5 unscored pretest questions. Accident and Health has 50 and 30. Each exam runs two hours.
Is there a free practice test for life insurance license in Iowa?
Yes: this one is free and needs no account. It covers only the Iowa part of each exam, so the general part still needs its own practice.
What is the passing score for the Iowa insurance exam?
The candidate handbook of July 2025 says the Iowa Insurance Division determines the passing score and that scores rest on the number of questions answered correctly, with no penalty for a wrong answer. It prints no figure, so this page gives none.
Are these the real Iowa insurance exam questions?
No. They are our own, written from the Iowa Code and the Iowa Administrative Code. This site has never seen the state exam, and the Iowa Insurance Division did not write or review them. Exam mode draws 30 questions, the larger state part's size.