Delaware Insurance License
The Delaware insurance license exam, in plain numbers.
Everything below is specific to Delaware — 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 Delaware
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 106 | 75 | 70% | 31 |
| Life only | 106 | 75 | 70% | 31 |
| Health only | 115 | 81 | 70% | 34 |
Administered by Pearson VUE for the Delaware Department of Insurance. Time limit: 2 hours 15 minutes. Roughly 26 of the scored questions (25%) come from Delaware law — the block national courses cover most lightly.
Prelicensing
NOT required. The Delaware Department of Insurance does not require a specific program of prelicensing education or otherwise prescreen examination candidates.
Continuing education
24 credit hours of Department-approved subjects per biennium, 3 of which must be ethics, under Title 18 Regulation 504 section 8.2.1. A resident producer holding a health license who solicits long-term care policies must complete at least 3 hours of training in DELAWARE long-term care insurance covering product knowledge, laws, rules and regulations. A licensee who writes NFIP flood insurance must complete a 2-hour flood course as part of the general credit hours. Up to 5 excess credits may carry forward, and ethics, LTC or flood credits carry forward as GENERAL credit.
License term
biennial: each license commences 1 March and ends the last day of February of even-numbered years
Regulator
The Delaware Department of Insurance oversees licensing, headed by an Insurance Commissioner elected statewide.
Delaware Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Delaware 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 Delaware, 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.
Delaware insurance exam questions, answered
How many questions are on the Delaware insurance license exam?
The combined life and health exam has 106 scored questions. You need 75 correct to pass at 70%, which means you can miss 31.
What is the passing score for the Delaware insurance exam?
70%. That works out to 75 correct answers out of 106 scored questions.
Who administers the Delaware insurance license exam?
Pearson VUE, on behalf of the Delaware Department of Insurance.
Does Delaware require prelicensing education?
NOT required. The Delaware Department of Insurance does not require a specific program of prelicensing education or otherwise prescreen examination candidates.
How much continuing education does Delaware require?
24 credit hours of Department-approved subjects per biennium, 3 of which must be ethics, under Title 18 Regulation 504 section 8.2.1. A resident producer holding a health license who solicits long-term care policies must complete at least 3 hours of training in DELAWARE long-term care insurance covering product knowledge, laws, rules and regulations. A licensee who writes NFIP flood insurance must complete a 2-hour flood course as part of the general credit hours. Up to 5 excess credits may carry forward, and ethics, LTC or flood credits carry forward as GENERAL credit.
Is there a Delaware life-only or health-only exam?
Yes. Life only is 106 scored questions, 75 to pass, Health only is 115 scored questions, 81 to pass.
How much does a Delaware 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 Delaware Department of Insurance.