Colorado Insurance License
The Colorado insurance license exam, in plain numbers.
Everything below is specific to Colorado — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Colorado
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 80 | 56 | 70% | 24 |
| Life only | 80 | 56 | 70% | 24 |
| Health only | 80 | 56 | 70% | 24 |
Administered by Pearson VUE for the Colorado Division of Insurance. Time limit: published in your Pearson VUE candidate handbook; confirm when you schedule. Roughly 30 of the scored questions (38%) come from Colorado law — the block national courses cover most lightly.
Prelicensing
Disputed. Some current sources describe a 50-hour requirement, concluding with a closed-book final exam passed at 70 percent and monitored by a disinterested third-party proctor under 3 CCR 702-1 Regulation 1-2-5 Section 6.B. Other national comparisons list Colorado as requiring no prelicensing hours. Where a course is taken, the certificate is valid 12 months and the applicant must supply the 5-digit training school code when booking the exam.
Continuing education
24 credits every continuation cycle, STARTING WITH THE SECOND CYCLE, including 3 ethics credits. Up to 12 excess credits may carry forward within 120 days of the continuation date. Property or Personal Lines producers must complete at least 3 hours in Homeowners.
License term
continued every 2 years on the last day of the producer's birth month; a first cycle may run 13 to 24 months
Regulator
The Colorado Division of Insurance oversees licensing, headed by a Commissioner of Insurance leading the Division of Insurance within the Department of Regulatory Agencies.
Colorado Life and Health Insurance Protection Association
If an insurer fails, these are the limits that apply to Colorado policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Colorado, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Colorado insurance exam questions, answered
How many questions are on the Colorado insurance license exam?
The combined life and health exam has 80 scored questions. You need 56 correct to pass at 70%, which means you can miss 24.
What is the passing score for the Colorado insurance exam?
70%. That works out to 56 correct answers out of 80 scored questions.
Who administers the Colorado insurance license exam?
Pearson VUE, on behalf of the Colorado Division of Insurance.
Does Colorado require prelicensing education?
Disputed. Some current sources describe a 50-hour requirement, concluding with a closed-book final exam passed at 70 percent and monitored by a disinterested third-party proctor under 3 CCR 702-1 Regulation 1-2-5 Section 6.B. Other national comparisons list Colorado as requiring no prelicensing hours. Where a course is taken, the certificate is valid 12 months and the applicant must supply the 5-digit training school code when booking the exam.
How much continuing education does Colorado require?
24 credits every continuation cycle, STARTING WITH THE SECOND CYCLE, including 3 ethics credits. Up to 12 excess credits may carry forward within 120 days of the continuation date. Property or Personal Lines producers must complete at least 3 hours in Homeowners.
Is there a Colorado life-only or health-only exam?
Yes. Life only is 80 scored questions, 56 to pass, Health only is 80 scored questions, 56 to pass.
How much does a Colorado study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Colorado Division of Insurance.