A person knowingly makes a false statement in an application filed under Vermont insurance law. What administrative penalty may be assessed?8 V.S.A. § 3661(d)
A Vermont cease and desist order of the Commissioner is subject to judicial review in which court?8 V.S.A. § 3661(a)(1)
A Vermont insurer fails to report the termination of a producer as the law requires. What administrative penalty may be assessed?8 V.S.A. § 4813m(g)
A Vermont producer has an appointment to discuss Medicare products. When may other insurance products be solicited at it?8 V.S.A. § 4804(a)(8)(A)(ii)
A Vermont producer is prosecuted for a crime. From what event do the 30 days to report it to the Commissioner run?8 V.S.A. § 4813o(b)
After notice and hearing, what civil administrative penalty may the Vermont Commissioner impose for each willful violation of insurance law?8 V.S.A. § 3661(a)(3)
An unlicensed person solicits insurance policies in Vermont on behalf of an insurer. How does the law treat that person?8 V.S.A. § 4813c(a)
Besides the $30 application fee, what is the Vermont initial licensing and biennial renewal fee for an insurance producer?8 V.S.A. § 4800(2)(A)(i)
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Licensing and the Commissioner, continued
By when must a Vermont insurer file a notice of appointment for a producer acting as its agent?8 V.S.A. § 4813l(d)
For good cause, the Vermont Commissioner may extend the time to complete continuing education for no longer than what period?8 V.S.A. § 4800a(c)
For how long may Vermont issue a temporary producer license without an examination?8 V.S.A. § 4813k(a)
For how long, at most, may a Vermont interim license be valid?8 V.S.A. § 4800(3)(D)(ii)
How does the written examination for a Vermont interim license compare with the one for a regular license?8 V.S.A. § 4800(3)(D)(ii)
How much continuing education must a Vermont producer show to renew a license?8 V.S.A. § 4800a(a)
In addition to or in lieu of suspension, what administrative penalty may follow a violation of the Vermont producer licensing subchapter?8 V.S.A. § 4804(d)
To which kind of license does the Vermont controlled business prohibition not apply?8 V.S.A. § 4795(a)
Under the Vermont continuing education statute, to which producer does the section not apply?8 V.S.A. § 4800a(d)
Under the Vermont controlled business rule, a license is deemed used for controlled business when commissions from it exceed what share of all commissions in any 12-month period?8 V.S.A. § 4795(b)
The Vermont Commissioner reports a violation of insurance law to the Attorney General, who prosecutes. What is the most the offender may be fined?8 V.S.A. § 3661(a)(2)
What does Vermont law say of soliciting Medicare products door-to-door?8 V.S.A. § 4804(a)(8)(A)(iii)
When do Vermont producer appointments expire?8 V.S.A. § 4798(d)
When does a Vermont insurance producer license expire?8 V.S.A. § 4798(b)(1)
Within how long must a Vermont licensee tell the Commissioner of a change of residential or business address?8 V.S.A. § 4800(3)(F)
Life insurance and group life law 23
A Vermont debtor secured the debt by a mortgage on real estate. What is the cap on creditor group life insurance on that debtor?8 V.S.A. § 3805(4)
A Vermont group life policy terminates. The group policy may cap the individual conversion policy at the smaller of the insurance ceasing or what amount?8 V.S.A. § 3821
A Vermont life insurer rebates premium as an inducement, in violation of sections 3701 and 3702. For how long may the Commissioner suspend its license on a first offense?8 V.S.A. § 3703
A Vermont life insurer states a period within which a death claim will be settled. How long may that period be, at most?8 V.S.A. § 3731(10)
A Vermont life policy is reinstated and the insured asks in writing for a copy of the reinstatement application. How soon must the insurer deliver or mail it?8 V.S.A. § 3735(b)
A Vermont life policy states a fixed policy loan interest rate. What is the highest rate it may specify?8 V.S.A. § 3731(7)
A Vermont trustee group life policy, for a fund set up by two or more employers or unions, must cover how many persons at its date of issue?8 V.S.A. § 3808(4)
After how many full years of premiums must a Vermont life policy with a cash surrender value offer a policy loan?8 V.S.A. § 3731(7)(A)
At what age may a Vermont minor contract for insurance on his or her own life?8 V.S.A. § 3710(b)
By when must a Vermont participating industrial life policy begin to share in divisible surplus?8 V.S.A. § 3731(6)(B)
By when must a Vermont participating ordinary life policy begin to apportion divisible surplus each year?8 V.S.A. § 3731(6)(A)
For how long may a Vermont life insurer reserve the right to defer a policy loan, other than one to pay a premium?8 V.S.A. § 3731(7)
How do Vermont statutes treat statements in an application for a life insurance policy?8 V.S.A. § 3736
How many employees must a Vermont employer group life policy cover at its date of issue?8 V.S.A. § 3803(3)
How many members must a Vermont labor union group life policy cover at its date of issue?8 V.S.A. § 3804(3)
On reinstating a Vermont life policy, what is the highest interest rate the insurer may charge on premiums in arrears?8 V.S.A. § 3731(9)
Under Vermont law, what does an incontestability clause in a life policy preclude?8 V.S.A. § 3733
Vermont employees pay part of the premium for dependents' group life coverage. What share of eligible employees with dependents must elect to contribute before it is placed in force?8 V.S.A. § 3811(1)
What follows a second offense of unfair discrimination or rebating by a Vermont life insurer or agent under section 3703?8 V.S.A. § 3703
What grace period does a Vermont group life policy give the policyholder for a premium after the first?8 V.S.A. § 3813
What grace period must a Vermont industrial life policy, with premiums payable more often than monthly, allow?8 V.S.A. § 3731(2)
What is the most Vermont group life insurance may place on the life of a debtor whose debt is not secured by a mortgage on real estate?8 V.S.A. § 3805(4)
Within what time after premium default must a Vermont industrial life policy allow reinstatement?8 V.S.A. § 3731(9)
Annuities and life settlements 14
A Vermont insurer receives a request for verification of coverage from a life settlement provider on an approved form. How soon must it respond?8 V.S.A. § 3843(a)(4)
A Vermont life settlement advertisement stresses the dollar amounts available to policy owners. What must it also disclose?8 V.S.A. § 3846(d)
A Vermont policy owner signs papers that subject a policy to a life settlement contract. How soon must the provider give written notice to the insurer that issued it?8 V.S.A. § 3843(a)(2)
After a Vermont life settlement, how often may the provider contact an insured whose life expectancy is more than six months to check health status?8 V.S.A. § 3843(f)
After the escrow agent receives the signed transfer documents, how soon must a Vermont life settlement provider pay the proceeds into escrow?8 V.S.A. § 3843(d)
By what date each year must a Vermont life settlement provider file its annual statement with the Commissioner?8 V.S.A. § 3839(a)
For how long does a Vermont emergency cease and desist order under the life settlements subchapter remain effective?8 V.S.A. § 3848
For how long may a Vermont deferred annuity company reserve the right to defer payment of a cash surrender benefit?8 V.S.A. § 3750
For how long must a Vermont life settlement licensee keep copies of contracts and related records?8 V.S.A. § 3840(b)
How much additional training related to life settlements must a Vermont life settlement broker complete on a biennial basis?8 V.S.A. § 3836
Until when may a Vermont policy owner rescind a life settlement contract as of right?8 V.S.A. § 3843(c)
What fees go with an application for a Vermont life settlement provider license?8 V.S.A. § 3836(a)(2)
What is the most a Vermont life settlement broker may receive in fees or commission, absent approval of another rate?8 V.S.A. § 3836
What prior experience must an applicant for a Vermont life settlement broker license have?8 V.S.A. § 3836
Health insurance law 23
A premium on a Vermont health policy that is not major medical goes unpaid. The termination notice tells the policyholder coverage ends unless payment arrives within how long of the mailing?8 V.S.A. § 4021(b)
A qualifying event ends a Vermont employee's group health coverage. How soon must the employer give the employee notice of the continuation privilege?8 V.S.A. § 4047a(e)
A Vermont group policy with major medical coverage is discontinued while a person is totally disabled. What extension of benefits must it provide?8 V.S.A. § 4048d(c)
A Vermont individual health policy may cover a family's children under a specified age. What is the highest age it may specify?8 V.S.A. § 4028(3)
A Vermont plan covers full-time college students as dependents. For how long must it cover a medically necessary leave of absence from school, at the most?8 V.S.A. § 4057(f)
After how long from the date of issue may misstatements in the application, other than fraudulent ones, no longer void a Vermont individual health policy?8 V.S.A. § 4029
Before requiring an HIV-related test, what must a Vermont insurer first obtain from the individual?8 V.S.A. § 4724(20)(B)(i)
For how long must a Vermont health plan with dependent coverage cover a newly born child without notice or additional premium?8 V.S.A. § 4057(b)(2)
How far ahead of the due date must the issuer of a Vermont major medical policy give notice of a premium payment due?8 V.S.A. § 4021(a)(1)(A)
How long does a Vermont buyer who is eligible for Medicare by reason of age have to return an individual health policy for a full refund?8 V.S.A. § 4028(8)
How long does a Vermont buyer who is not eligible for Medicare have to return an individual health policy for a refund?8 V.S.A. § 4028(8)
How long does a Vermont person have to elect continuation of group health coverage after receiving the notice?8 V.S.A. § 4047b(a)
How long must an association have been in active existence to hold a Vermont group health insurance policy?8 V.S.A. § 4041
In Vermont, "short-term, limited-duration health insurance" has an expiration date no later than how long after its original effective date?8 V.S.A. § 4053(a)
May a Vermont insurer ask an applicant whether he or she has taken HIV-related tests in the past?8 V.S.A. § 4724(20)(A)
May a Vermont short-term, limited-duration health insurance policy be renewed?8 V.S.A. § 4053(c)
Under the optional cancellation provision of a Vermont individual health policy, how much notice must the insurer's written cancellation give?8 V.S.A. § 4030(8)
Under Vermont law, continuation of group health coverage ends no later than how long after coverage would have terminated due to the qualifying event?8 V.S.A. § 4047c(1)
Until what age must a Vermont health plan that provides dependent coverage keep it available for an adult child?8 V.S.A. § 4057(d)
What grace period must a Vermont major medical policy give for each premium after the first?8 V.S.A. § 4021(a)(1)(B)
What is the most a Vermont person may be charged each month for continued group health coverage?8 V.S.A. § 4047b(b)
What is the most the Vermont Commissioner may impose on a person who intentionally violates the health insurance chapter?8 V.S.A. § 4015
What must a Vermont group health policy provide about part-time employees?8 V.S.A. § 4042(a)(4)
Unfair trade practices and penalties 12
A Vermont agent charges a client a fee directly for advice on insurance contracts. What must the agent have first?8 V.S.A. § 4724(14)
A Vermont agent does not transmit premiums in a timely manner to those owed them. Which unfair practice is this?8 V.S.A. § 4724(12)
A Vermont borrower substitutes one insurer's policy for another's. What may the lender not require?8 V.S.A. § 4725(a)(3)
A Vermont employer in the insurance business learns of a deceptive act by a full-time agent and does nothing. Which unfair practice is that?8 V.S.A. § 4724(17)
A Vermont insurer offers a value-added product or service under the rebate exception. How soon must it send the Commissioner a description of the offer?8 V.S.A. § 4724(8)(C)(iv)(VI)
May a Vermont lender require, as a condition of a loan, that the borrower buy insurance through a particular agent?8 V.S.A. § 4725(a)(1)
Selling a policy that the seller has reason to know is unsuitable for the buyer falls under which Vermont unfair practice?8 V.S.A. § 4724(16)
Since what date must a person in the business of insurance in Vermont keep a complete record of complaints received?8 V.S.A. § 4724(10)
What administrative penalty applies to each violation of the Vermont trade practices chapter that the Commissioner finds was willful?8 V.S.A. § 4726(b)
What administrative penalty may the Vermont Commissioner assess for each violation of the HIV-related testing rules?8 V.S.A. § 4724(20)(K)
When do the listed acts become "unfair claim settlement practices" under the Vermont trade practices chapter?8 V.S.A. § 4724(9)
Which grounds does the Vermont unfair discrimination rule name for underwriting standards and rates?8 V.S.A. § 4724(7)(B)
Guaranty association 11
A Vermont member insurer fails to pay a guaranty assessment when due. The Commissioner may levy a forfeiture of no less than what amount per month?8 V.S.A. § 4181(b)
At what rate does interest accrue on a Vermont guaranty association assessment after its due date?8 V.S.A. § 4179(a)
How many member insurers serve on the Board of Directors of the Vermont guaranty association?8 V.S.A. § 4177(a)
How soon must the Vermont Commissioner tell the association's Board of Directors that a member insurer is impaired or insolvent?8 V.S.A. § 4181(a)(2)
May a Vermont agent use the existence of the guaranty association to induce the purchase of insurance?8 V.S.A. § 4189(a)
One owner holds multiple nongroup life policies with an insolvent member insurer in Vermont. What is the association's limit for that owner?8 V.S.A. § 4173(c)
What is the most the Vermont Life and Health Insurance Guaranty Association covers in life insurance death benefits on one life?8 V.S.A. § 4173(c)
What is the Vermont guaranty association limit on the present value of annuity benefits for one life?8 V.S.A. § 4173(c)
What limit does the Vermont guaranty association apply to health benefit plans?8 V.S.A. § 4173(c)
What limit does the Vermont guaranty association apply to net cash surrender and net cash withdrawal values for life insurance?8 V.S.A. § 4173(c)
Where is a final action or order of the Vermont Commissioner under the guaranty association act reviewed?8 V.S.A. § 4181(c)
How this list was compiled: Own questions, written from Title 8 of the Vermont Statutes Annotated: chapter 101 (section 3661), chapter 103 (life insurance, group life insurance and life settlements), chapter 107 (health insurance, as recodified by 2025 Act 11), chapter 112 (the Vermont Life and Health Insurance Guaranty Association Act, sections 4171 to 4190, added by 2023 Act 32), chapter 129 (insurance trade practices) and chapter 131 (licensing), read on 2026-10-13 in the Vermont Statutes Online of the Vermont General Assembly (https://legislature.vermont.gov/statutes/title/08). Each question names its section and links to it. The topics follow the state law items of the content outlines for the Vermont Producer's Examinations for Life (Series 14-25), for Accident, Health and HMO (Series 14-27) and for Life, Accident, Health and HMO (Series 14-29), effective November 3, 2019, which the Licensing Information Bulletin of the Vermont Department of Financial Regulation (effective March 18, 2026) points to (the combined outline: https://www.prometric.com/files/vermont/14-29.pdf); the Department's producer license page is https://dfr.vermont.gov/industry/insurance/producer-and-individual-licensing/apply-and-renew-your-license/producer-license. 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 Vermont life and health insurance practice test asks state law only: 106 of our own questions from Title 8 of the Vermont Statutes, cited by today's section numbers. Not affiliated with the Vermont Department of Financial Regulation.
Read the full guide
Where the outline's section numbers went
The exam outlines took effect November 3, 2019 and cite Title 8 by section. Two parts have been renumbered since. The health insurance chapter was recodified in 2025: the required policy provisions the outline lists at 4065 now stand at 4029, the optional ones at 4066 stand at 4030, and group policies at 4079 and 4080 stand at 4041 and 4042. The guaranty association act it lists at 4151 to 4185 was rewritten in 2023: sections 4151 to 4169 were repealed and 4171 to 4190 added.
What is left out
Policy types, riders and tax, and the Department regulations and bulletins the outline cites for replacement, illustrations and trust accounts.
Producer licenses expire April 1 of odd-numbered years; producer appointments expire each June 1 (8 V.S.A. § 4798).
Individual health free look: 30 days for buyers eligible for Medicare by age, 10 days for everyone else (§ 4028).
A minor not less than 15 years of age may contract for insurance on his or her own life (§ 3710).
Questions and answers
How many questions are on the Vermont life and health insurance exam?
The outline for the combined Life, Accident, Health and HMO exam (Series 14-29) lists 150 questions plus 5 unscored items in 2.5 hours. The Life exam (14-25) and the Accident, Health and HMO exam (14-27) each list 100 questions plus 5 unscored in 2 hours.
How much of the Vermont insurance exam is state law?
On the combined outline, Insurance Regulation is 5 percent, 7 items. Vermont statutes are also cited under other headings, among them insurable interest, group life, required policy provisions and the guaranty association, so state law questions are spread through the exam.
How many continuing education hours does a Vermont insurance producer need?
24 hours during the two years before renewal (8 V.S.A. § 4800a). For good cause the Commissioner may extend the time by no longer than six months. A nonresident who met a home state's requirement and documents it is outside the section.
Are these the real Vermont insurance exam questions?
No. They are our own, written from Title 8 of the Vermont Statutes. This site has never seen the state exam, and the Department did not write or review them. Exam mode draws 25 questions, a set size and not the exam's length.