Vermont Insurance License
The Vermont insurance license exam, in plain numbers.
Everything below is specific to Vermont — 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 Vermont
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 105 | 74 | 70% | 31 |
| Life only | 105 | 74 | 70% | 31 |
| Health only | 105 | 74 | 70% | 31 |
Administered by Prometric for the Vermont Department of Financial Regulation. Time limit: 2 hours per exam. Roughly 26 of the scored questions (25%) come from Vermont law — the block national courses cover most lightly.
Prelicensing
NOT required. Vermont has no formal prelicensing education requirement, though a study course is strongly recommended given the difficulty of the exam.
Continuing education
24 credits every two years including 3 hours of ethics, under Title 8 V.S.A. Section 4800a and Regulation 2000-02-I. The 24-credit requirement applies to ALL producers regardless of their lines of insurance. Instructors of approved CE courses earn the SAME number of credit hours for instructing as students receive for completing the course.
License term
2 years
Regulator
The Vermont Department of Financial Regulation oversees licensing, headed by a Commissioner leading the Department of Financial Regulation, which covers banking, insurance, securities and health care administration.
Vermont Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Vermont 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 Vermont, 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.
Vermont insurance exam questions, answered
How many questions are on the Vermont insurance license exam?
The combined life and health exam has 105 scored questions. You need 74 correct to pass at 70%, which means you can miss 31.
What is the passing score for the Vermont insurance exam?
70%. That works out to 74 correct answers out of 105 scored questions.
Who administers the Vermont insurance license exam?
Prometric, on behalf of the Vermont Department of Financial Regulation.
Does Vermont require prelicensing education?
NOT required. Vermont has no formal prelicensing education requirement, though a study course is strongly recommended given the difficulty of the exam.
How much continuing education does Vermont require?
24 credits every two years including 3 hours of ethics, under Title 8 V.S.A. Section 4800a and Regulation 2000-02-I. The 24-credit requirement applies to ALL producers regardless of their lines of insurance. Instructors of approved CE courses earn the SAME number of credit hours for instructing as students receive for completing the course.
Is there a Vermont life-only or health-only exam?
Yes. Life only is 105 scored questions, 74 to pass, Health only is 105 scored questions, 74 to pass.
How much does a Vermont 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 Vermont Department of Financial Regulation.