• 112 questions

Tennessee Insurance License Exam Questions

Law questions only, from Tennessee's insurance code and the department's rules, with the section under every answer.

What minimum passing score does the Tennessee rule on producer examinations set?

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Unofficial practice questions, not affiliated with the Tennessee Department of Commerce and Insurance. Bank checked October 6, 2026.

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Producer licensing and continuing education 27

  • A 2022 act added an exception to Tennessee producer licensing. Who may now work without a producer license unless federal rules require one? 2022 Tenn. Pub. Ch. 806 (T.C.A. 56-6-104)
  • A 2023 act changed what a Tennessee resident must show before the commissioner approves a producer license application. What did it delete from T.C.A. 56-6-106(a)? 2023 Tenn. Pub. Ch. 57 (T.C.A. 56-6-106)
  • A person sells a policy in Tennessee for an insurance company that is not authorized to do business in the state. What does T.C.A. 56-6-114 make that person? T.C.A. 56-6-114
  • A producer in Tennessee is prosecuted for a crime in another state. By when must the producer report it to the commissioner? T.C.A. 56-6-119
  • A producer solicits an application for a Tennessee policy and a dispute later arises between the insured and the insurer. Whose agent is the producer regarded as? T.C.A. 56-6-115
  • A Tennessee applicant has now failed the producer examination twice. What wait does T.C.A. 56-6-105 set before the next reapplication? T.C.A. 56-6-105
  • A Tennessee insurer appoints a producer as its agent. Within how long must it file the notice of appointment? T.C.A. 56-6-115
  • A Tennessee producer already earned continuing education credit for a course. When may the same course be repeated for credit? Tenn. Comp. R. & Regs. 0780-01-56-.08
  • A Tennessee producer charges a fee under a qualified written agreement for services not connected with the sale of insurance. How long must a copy of the agreement be kept? T.C.A. 56-6-125
  • A Tennessee producer lets the license lapse. Within how long may the same license be reinstated without passing a written examination? T.C.A. 56-6-107
  • A Tennessee producer wants to do business under a name other than the producer's legal name. What does the law require? T.C.A. 56-6-123
  • After a contested case, the Tennessee commissioner finds that a producer violated a statute. What monetary penalty may be ordered under T.C.A. 56-6-112(g)? T.C.A. 56-6-112
  • An unlicensed person in Tennessee makes a referral to a licensed producer. What must the person not do? T.C.A. 56-6-113
  • For how long does a Tennessee individual producer license issued or renewed on or after January 1, 2007 remain in effect? T.C.A. 56-6-107
  • How many continuing education credit hours must a Tennessee producer complete every two years, and how many of them in ethics? Tenn. Comp. R. & Regs. 0780-01-56-.08
  • In Tennessee, an unlicensed person who is neither employed by nor affiliated with a producer refers a customer. What is the most the person may be paid for each referral? T.C.A. 56-6-113
  • Since a 2022 act, which old offense must the Tennessee commissioner leave out when deciding whether to issue a producer license? 2022 Tenn. Pub. Ch. 814 (T.C.A. 56-6-112)
  • The Tennessee commissioner denies an application for a producer license. How soon must the applicant be told in writing? T.C.A. 56-6-112
  • The Tennessee commissioner finds a producer ineligible for an appointment. How soon must the insurer be told of that determination? T.C.A. 56-6-115
  • Under T.C.A. 56-6-105, an applicant fails the Tennessee producer examination on the first attempt. How long must the applicant wait before reapplying to take it a second time? T.C.A. 56-6-105
  • Under T.C.A. 56-6-125, which act by a Tennessee producer who only sells insurance policies is an unfair trade practice? T.C.A. 56-6-125
  • Under the Tennessee continuing education rule, how long is one credit hour of a formal program that requires attendance? Tenn. Comp. R. & Regs. 0780-01-56-.08
  • What minimum passing score does the Tennessee rule on producer examinations set? Tenn. Comp. R. & Regs. 0780-01-56-.07
  • What penalty does Tennessee attach to a producer license renewal fee received after its due date? T.C.A. 56-6-107
  • When do Tennessee business entity producer licenses expire? T.C.A. 56-6-107
  • Which of these does the Tennessee continuing education rule list as a subject that is not acceptable for credit? Tenn. Comp. R. & Regs. 0780-01-56-.08
  • Which Tennessee producer is excused by statute from the continuing education requirements for renewal? T.C.A. 56-6-107

Life policy provisions 30

  • A charitable organization buys life insurance on a donor who lives in Tennessee. What gives the organization an insurable interest under T.C.A. 56-7-314? T.C.A. 56-7-314
  • A life policy issued in Tennessee may not limit the time to bring an action on it to less than how long after the cause of action accrues? T.C.A. 56-7-2308
  • A Tennessee company may not refuse to issue a life insurance policy solely because the person to be insured has which condition? T.C.A. 56-7-207
  • A Tennessee group life policy ends, and a person insured under it for five years asks for an individual policy. To what amount may the group policy limit that individual policy? T.C.A. 56-7-2305
  • A Tennessee group life policy is terminated. An insured person gains the right to an individual policy if the person was insured for at least how long before the termination date? T.C.A. 56-7-2305
  • A Tennessee group life policy may let the insurer pay part of a death benefit to a person who paid funeral or last-illness expenses. What is the most that part may be? T.C.A. 56-7-2305
  • A Tennessee life insurer accepts deposits into a fund kept to pay future premiums on an individual life policy. What is one cap on the amount it may hold in that fund? T.C.A. 56-7-205
  • A Tennessee life policy becomes a claim by the death of the insured. By when must the policy promise settlement? T.C.A. 56-7-2307
  • A Tennessee life policy is incontestable after a period of not more than two years. Which exceptions does T.C.A. 56-7-2307 allow? T.C.A. 56-7-2307
  • A Tennessee resident defaults on a life insurance premium and the company never mailed a premium notice. How soon may the company declare the policy lapsed? T.C.A. 56-7-2303
  • A Tennessee resident dies without a will and life insurance is payable to the estate. Who benefits from the proceeds under T.C.A. 56-7-201? T.C.A. 56-7-201
  • After how many full years of premiums must a Tennessee life policy, other than term insurance, provide for a loan on the sole security of the policy? T.C.A. 56-7-2307
  • By when must a participating life policy issued in Tennessee begin to share each year in the company's divisible surplus? T.C.A. 56-7-2307
  • For a Tennessee life policy of what value may proof of death be a photocopy of the death certificate with a sworn statement that it is authentic? T.C.A. 56-7-206
  • For at least how many policy years must a Tennessee life policy show, in a table, its loan values and the options available on default? T.C.A. 56-7-2307
  • How often must a Tennessee life insurer compare its in-force policies and annuities against a death master file? T.C.A. 56-7-3404
  • The insured owner of a Tennessee life policy reserved the right to change the beneficiary and now assigns the policy as security for a loan. Must the beneficiary join in the assignment? T.C.A. 56-7-204
  • On a death claim under a Tennessee life policy or annuity, from when must the insurer pay interest? T.C.A. 56-7-315
  • The owner of a Tennessee life policy fails to repay a policy loan. The policy cannot be voided for that failure until how long after the company mails notice? T.C.A. 56-7-2307
  • To get a lower premium, a Tennessee life policy may not be dated more than how long before the application was made? T.C.A. 56-7-2308
  • Under a 2023 Tennessee act, what may a life insurance provider not require of an applicant as a precondition of insurability? 2023 Tenn. Pub. Ch. 246 (T.C.A. Title 56, Ch. 7, Part 27)
  • Under a 2023 Tennessee act, what must a life insurance provider obtain before it accesses an individual's genetic data? 2023 Tenn. Pub. Ch. 246 (T.C.A. Title 56, Ch. 7, Part 27)
  • Under T.C.A. 56-7-203 as rewritten in 2025, the net amount payable under a Tennessee life policy made for the benefit of a spouse or children is exempt from what? 2025 Tenn. Pub. Ch. 150 (T.C.A. 56-7-203)
  • What grace period must a life insurance policy issued in Tennessee give for the payment of premiums? T.C.A. 56-7-2307
  • What grace period must a Tennessee industrial life policy with weekly premiums give? T.C.A. 56-7-702
  • What must every life insurance company print in conspicuous type on the face or first page of each policy sold to citizens of Tennessee? T.C.A. 56-7-2310
  • When does a misrepresentation in an application defeat or void a Tennessee insurance policy under T.C.A. 56-7-103? T.C.A. 56-7-103
  • Which cause of death may a Tennessee life policy except from coverage under T.C.A. 56-7-2308? T.C.A. 56-7-2308
  • Which policy is "industrial life insurance" as T.C.A. 56-7-701 defines it for Tennessee? T.C.A. 56-7-701
  • Within how long after default may a Tennessee life policy be reinstated on evidence of insurability and payment of arrears with interest? T.C.A. 56-7-2307

Replacement and annuity sales 15

  • A replacing insurer that uses agents in Tennessee must tell each existing insurer of the replacement in writing. Within how long of receiving the application? Tenn. Comp. R. & Regs. 0780-01-24-.07
  • A Tennessee existing insurer undertakes a conservation. Within how long after it receives the replacing insurer's communication must it give the policyowner a Policy Summary for the existing policy? Tenn. Comp. R. & Regs. 0780-01-24-.07
  • An agent has been licensed by the Tennessee Department of Commerce and Insurance for less than 120 days. How long must the agent wait after mailing notice of intent to replace before taking the application? Tenn. Comp. R. & Regs. 0780-01-24-.05
  • Before recommending an annuity, a Tennessee producer must make reasonable efforts to obtain the consumer's profile information. Which item is on the list in Rule 0780-01-86-.05? Tenn. Comp. R. & Regs. 0780-01-86-.05
  • For a life policy that replaces another in Tennessee, the replacing insurer must give the applicant a right to an unconditional refund of all premiums. For how long from delivery? Tenn. Comp. R. & Regs. 0780-01-24-.07
  • For how long must a Tennessee life insurer keep a copy of each document it authorized for use under the life insurance solicitation rule? Tenn. Comp. R. & Regs. 0780-01-40-.05
  • For how long must Tennessee insurers and producers keep the information collected from a consumer for an annuity recommendation? Tenn. Comp. R. & Regs. 0780-01-86-.09
  • How long must a Tennessee replacing insurer keep evidence that the replacement rule's requirements were met? Tenn. Comp. R. & Regs. 0780-01-24-.07
  • Under the Tennessee life insurance solicitation rule, when may the Buyer's Guide and Policy Summary be delivered with the policy instead of before the first premium is accepted? Tenn. Comp. R. & Regs. 0780-01-40-.04
  • Under the Tennessee replacement rule, borrowing against an existing life policy makes a sale a replacement transaction once the loans exceed what share of the policy's loan value? Tenn. Comp. R. & Regs. 0780-01-24-.02
  • What does "conservation" mean in the Tennessee rule on replacement of life insurance policies? Tenn. Comp. R. & Regs. 0780-01-24-.03
  • What standard does Tennessee Rule 0780-01-86-.06 set for a producer who recommends an annuity to a consumer? Tenn. Comp. R. & Regs. 0780-01-86-.06
  • Where a replacement is involved, when must a Tennessee agent present the "Notice Regarding Replacement" to the applicant? Tenn. Comp. R. & Regs. 0780-01-24-.05
  • Which recommendation falls outside the Tennessee rule on suitability in annuity transactions? Tenn. Comp. R. & Regs. 0780-01-86-.04
  • Which transaction is exempt from the Tennessee rule on replacement of life insurance policies? Tenn. Comp. R. & Regs. 0780-01-24-.04

Accident and health provisions 18

  • A Tennessee accident and sickness insurer reserves the right to refuse renewal of a policy. What must the face of the policy say? T.C.A. 56-26-126
  • A Tennessee accident and sickness insurer that reserves the right to refuse renewal may avoid the grace period only by giving written notice of nonrenewal. How far ahead of the premium due date? T.C.A. 56-26-108
  • A Tennessee accident, sickness or hospital policy can be cancelled by the insurer. What must show conspicuously on its face? T.C.A. 56-26-125
  • A Tennessee individual hospital or medical expense policy ends coverage of a dependent child at a limiting age. For an unmarried child dependent on the insured for support, how early may that age be set under T.C.A. 56-7-2302? T.C.A. 56-7-2302
  • A Tennessee insurer offers a voluntary wellness program with gift cards as rewards. When is giving the reward not a rebate violation? T.C.A. 56-8-112
  • A Tennessee insurer replaces a Medicare supplement policy. Failing to give the applicant an unconditional refund offer of at least how long is an unfair or deceptive act? T.C.A. 56-7-1404
  • An applicant in Tennessee returns a Medicare supplement policy within the 30 days allowed. How must the insurer handle the refund? T.C.A. 56-7-1506
  • An applicant makes a false statement in an application for a Tennessee accident and sickness policy, and the agent taking the application knew it was false. What follows under T.C.A. 56-26-119? T.C.A. 56-26-119
  • Every individual accident and health policy in Tennessee carries a notice that it may be returned for a premium refund. Within how long of delivery? T.C.A. 56-26-129
  • For how long from its effective date may a Medicare supplement policy in force in Tennessee exclude losses because of a preexisting condition? T.C.A. 56-7-1503
  • How long must a Tennessee insurer keep its file of accident and sickness insurance advertisements? Tenn. Comp. R. & Regs. 0780-01-08-.17
  • Under a 2026 Tennessee act, an employee insured at least three months under a group hospital or medical expense policy loses that insurance. For how long may the coverage be continued by paying the full group premium in advance? 2026 Tenn. Pub. Ch. 931 (T.C.A. Title 56, Ch. 7, Part 23)
  • Under the 2026 Tennessee act on continuing group hospital and medical coverage after termination, which former employee is not entitled to the continuation? 2026 Tenn. Pub. Ch. 931 (T.C.A. Title 56, Ch. 7, Part 23)
  • Under the grace period provision required in Tennessee accident and sickness policies, what is the shortest grace allowed for a monthly premium policy? T.C.A. 56-26-108
  • What civil penalty may a producer face for violating a Tennessee requirement on the marketing of long-term care insurance? T.C.A. 56-42-111
  • What may a person who willfully violates the Tennessee accident and sickness policy chapter be made to forfeit to the state for each violation? T.C.A. 56-26-123
  • What training must an individual complete before selling, soliciting or negotiating long-term care insurance in Tennessee? T.C.A. 56-42-109
  • Within how long after a covered loss must written notice of claim be given under a Tennessee accident and sickness policy? T.C.A. 56-26-108

Unfair practices and penalties 14

  • A person is injured in business by another's fraudulent insurance act under T.C.A. 56-53-102. Beyond damages and fees, what penalty may the injured person recover in Tennessee? T.C.A. 56-53-107
  • Any money a Tennessee producer receives for soliciting, negotiating or selling insurance is held in what capacity? T.C.A. 56-6-116
  • Every insurance policy issued to a Tennessee resident is written in English. What must an advertisement in another language clearly state? T.C.A. 56-7-123
  • For an alleged unfair or deceptive act in connection with a contract of insurance, where does Tennessee law say the sole and exclusive statutory remedies against a licensed insurer are found? T.C.A. 56-8-113
  • For how long must a Tennessee insurer keep its claims, rating, underwriting and marketing data retrievable for examination by the commissioner? T.C.A. 56-8-104
  • How does Tennessee grade a knowing misrepresentation of the terms of an industrial life, health or accident policy under T.C.A. 56-7-705 to 56-7-709? T.C.A. 56-7-709
  • The Tennessee department receives a written complaint against a producer. Within how long must it give the producer a copy? T.C.A. 56-6-120
  • Under T.C.A. 56-8-104, a Tennessee insurer may not offer more than one group policy through a person unless the person holds what? T.C.A. 56-8-104
  • Under T.C.A. 56-8-104, refusing life insurance to a Tennessee applicant for which reason is unfair discrimination? T.C.A. 56-8-104
  • Under T.C.A. 56-8-104, which act about an insurer's finances is defamation in Tennessee? T.C.A. 56-8-104
  • What counts as a "complaint" in the complaint record a Tennessee insurer must keep under T.C.A. 56-8-104? T.C.A. 56-8-104
  • Where may the Tennessee commissioner bring an action to enjoin a violation of the unfair trade practices part? T.C.A. 56-8-109
  • Which practice does the Tennessee unfair trade practices law expressly leave out of its definition of rebates? T.C.A. 56-8-104
  • Who is responsible for a Tennessee life insurance or annuity advertisement that an independent agent wrote? Tenn. Comp. R. & Regs. 0780-01-33-.03

Guaranty association 8

  • A Tennessee court enters a final order of liquidation against an insolvent insurer. For how long are proceedings in which that insurer is a party stayed so the guaranty association can act? T.C.A. 56-12-217
  • Assessments by the Tennessee guaranty association are due not less than 30 days after written notice. What interest do they accrue on and after the due date? T.C.A. 56-12-208
  • For which kind of coverage does the Tennessee guaranty association's health limit rise to $500,000? T.C.A. 56-12-204
  • How many member insurers sit on the board of directors of the Tennessee Life and Health Insurance Guaranty Association? T.C.A. 56-12-206
  • May a Tennessee producer mention the guaranty association to help sell a policy? T.C.A. 56-12-218
  • Under a 2022 Tennessee act, on what date does the Life and Health Insurance Guaranty Association terminate unless the General Assembly continues it? 2022 Tenn. Pub. Ch. 639 (T.C.A. 4-29-251)
  • What is the most the Tennessee Life and Health Insurance Guaranty Association covers in life insurance death benefits on one life? T.C.A. 56-12-204
  • What limit does the Tennessee guaranty association apply to the present value of annuity benefits on one life? T.C.A. 56-12-204

How it works

These unofficial Tennessee insurance license exam questions cover the law part of the life and accident and health lines: 112 questions from Title 56 of the Tennessee Code and department rules. Policy types, underwriting and textbook theory are not here.

Read the full guide

What the Tennessee questions ask

Six groups: producer licensing and continuing education, life policy provisions, replacement and annuity sales, accident and health provisions, unfair practices and penalties, and the guaranty association. Nine questions come straight from acts passed since 2022, among them the 2023 act that ended the prelicensing course requirement.

Where the Tennessee law was read

The department's rules were read on the Secretary of State's site. Code sections were read in a public copy dated May 21, 2021, then checked against every later act that amends Title 56. Each answer links to the text that was read.

  • Fail the exam once and the wait to reapply is 10 calendar days; after a second fail it is 30 (T.C.A. 56-6-105).
  • A replacing agent licensed under 120 days waits 10 days after mailing notice before taking the application (Rule 0780-01-24-.05).
  • Death claim interest runs from the fifteenth day after death, compounded annually, for up to three years (T.C.A. 56-7-315).

Questions and answers

What is the passing score on the Tennessee insurance license exam?

Rule 0780-01-56-.07 of the Department of Commerce and Insurance sets seventy percent as the minimum passing score. The rule gives no exam length or time limit, so this page gives none, and the 25 questions of exam mode are only a set size.

Does Tennessee still require a prelicensing course for a life and health license?

No. Public Chapter 57 of 2023 deleted the prelicensing course of study from T.C.A. 56-6-106. An applicant still passes the examination, is at least 18 and pays the fees. A 2024 act asks 30 course hours for title insurance only.

How many continuing education hours does a Tennessee insurance producer need?

Twenty-four credit hours every two years, three of them in ethics (Rule 0780-01-56-.08). T.C.A. 56-6-107 excuses a producer who has been continuously licensed since January 1, 1994.

Are these the real Tennessee insurance exam questions?

No. They are practice questions written for this site from the Tennessee Code, recent acts and department rules. The state exam belongs to the Department of Commerce and Insurance, which has not reviewed this page.

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