Connecticut Insurance License
The Connecticut insurance license exam, in plain numbers.
Everything below is specific to Connecticut — 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 Connecticut
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
| Life only | 90 | 63 | 70% | 27 |
| Health only | 90 | 63 | 70% | 27 |
Administered by Pearson VUE for the Connecticut Insurance Department. Time limit: 2 hours 30 minutes. Roughly 25 of the scored questions (17%) come from Connecticut law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority, so 40 hours for a combined Life and Accident & Health license, per the published course-approval requirements. One source describes 80 hours for the combined license; confirm with the Department before enrolling.
Continuing education
24 hours each 24-month licensing period including 3 hours of ethics, AND a minimum of 6 credit hours for EACH line of authority held on the first day of the biennium. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC.
License term
24-month licensing period
Regulator
The Connecticut Insurance Department oversees licensing, headed by a Commissioner appointed to lead the Connecticut Insurance Department.
Connecticut Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Connecticut policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $500,000 |
| Life insurance cash surrender value | $500,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $500,000 |
| Other health insurance benefits | $500,000 |
| Annuity benefits (present value) | $500,000 |
The Study Guide
Written for Connecticut, 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.
Connecticut insurance exam questions, answered
How many questions are on the Connecticut insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Connecticut insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Connecticut insurance license exam?
Pearson VUE, on behalf of the Connecticut Insurance Department.
Does Connecticut require prelicensing education?
20 hours per line of authority, so 40 hours for a combined Life and Accident & Health license, per the published course-approval requirements. One source describes 80 hours for the combined license; confirm with the Department before enrolling.
How much continuing education does Connecticut require?
24 hours each 24-month licensing period including 3 hours of ethics, AND a minimum of 6 credit hours for EACH line of authority held on the first day of the biennium. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC.
Is there a Connecticut life-only or health-only exam?
Yes. Life only is 90 scored questions, 63 to pass, Health only is 90 scored questions, 63 to pass.
How much does a Connecticut 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 Connecticut Insurance Department.