Free Colorado Insurance Exam Questions & Answers PDF - 1,040 Questions

Download the Colorado PDF (204 pages, 1,040 questions)

Every question comes with its correct letter, an explanation and the Colorado Revised Statutes or Division of Insurance regulation it rests on. Print the question pages, keep the key for later, or read the whole thing on a phone. These are original practice questions, not actual exam questions, written from the state and general content outlines in the Pearson VUE candidate handbook - and the handbook itself remains the authority on anything this file does not settle.

If you searched for Colorado life insurance exam questions and answers in PDF form, this is that file, and it also carries the health and the property and casualty material for the same state. The Colorado section of each Pearson VUE exam is a separate scored block (30 state questions on the life and health exams, 25 on property, 31 on casualty) and it is the block generic national guides leave out. The 44 Colorado-law questions in this PDF - 14 life, 14 health, 16 property and casualty - were written for that block, one statute or regulation per question, and are followed by the 996 national questions that make up the rest of the bank. No registration, no email, no watermark. Last updated September 2026.

What is in the Colorado PDF

Order inside the file: a cover page with the verified exam facts, then the Colorado life, health and property and casualty questions, then the national questions line by line, and finally an answer key that repeats every question number with the correct letter, the reasoning and the citation. Because the state questions sit at the front, you can print roughly the first dozen pages and have the whole Colorado block in hand.

Colorado exam facts (verified July 2026)

Colorado licenses through Pearson VUE, and each exam is split into a general portion and a Colorado portion that are scored together on a scaled basis. Colorado does not publish the passing value.

Two things in that table trip people up. First, Colorado tests Property and Casualty as separate exams, so the property and casualty line on this site mirrors the Property exam and the 16 Colorado questions serve both sittings. Second, the $41 fee covers up to two exams in one session, which is why many candidates schedule life and health, or property and casualty, back to back.

Prelicensing: at least 50 hours of an approved prelicensing course per line (life; sickness and accident; property/casualty), including at least 3 hours on insurance industry ethics (C.R.S. § 10-2-201); approved providers listed at sircon.com/colorado; exemptions for designations (CLU, CPCU, etc.). Confirm the current course requirement with the Colorado Division of Insurance before you enroll.

Verified July 2026 from the Colorado Insurance Licensing Candidate Handbook (April 2026, #120600) - read the handbook at Pearson VUE. Where this page and the current handbook differ, follow the handbook.

The Colorado law topics this PDF covers

Colorado's insurance code is Title 10 of the Colorado Revised Statutes, with the Division of Insurance's regulations in 3 CCR 702. The questions were written section by section, so the topic list below is also the citation list you will see in the answer key.

Life (14 questions)

• Standard life policy provisions: the one-month grace period, two-year incontestability and misstatement of age - C.R.S. § 10-7-102
• The one-year suicide rule, sane or insane - C.R.S. § 10-7-109
• Interest on death proceeds after the first 30 days - C.R.S. § 10-7-112
• Written notice at least 25 days before a lapse for nonpayment - C.R.S. § 10-7-105.5
• The 60-day window to elect cash surrender under the Standard Nonforfeiture Law - C.R.S. § 10-7-302
• Replacement of life insurance and annuities: the signed replacement notice, the 30-day return right, notice to the existing insurer within five business days, and five-year record retention - 3 CCR 702-4, Reg. 4-1-4 §§ 5, 6, 7
• Colorado Life and Health Insurance Protection Association limits for death benefits, cash values and annuities - C.R.S. § 10-20-104
• Prelicensing education required for initial licensure - C.R.S. § 10-2-201

Health (14 questions)

• Required individual accident and sickness provisions: 20-day notice of claim, 15-day claim forms, 90-day proof of loss, the 60-day-to-three-year legal-actions window, and grace periods of 7, 10 or 31 days by premium mode - C.R.S. § 10-16-202
• State continuation of group coverage for 18 months and the 30-day (or 60-day) election - C.R.S. § 10-16-108
• Newborn coverage from birth and the 31-day enrollment window - C.R.S. § 10-16-104(1)
• Dependent coverage to age 26 regardless of residency, marital or student status - C.R.S. § 10-16-104.3
• The small employer definition of 1 to 100 eligible employees - C.R.S. § 10-16-102(61)
• Prompt payment of clean claims: 30 days electronic, 45 days paper - C.R.S. § 10-16-106.5
• Independent external review of adverse determinations - C.R.S. § 10-16-113.5
• Guaranteed renewability and the 180-day notice and five-year re-entry bar when a carrier leaves a market - C.R.S. § 10-16-105.1
• The 30-day Medicare supplement free look - C.R.S. § 10-18-107

Property and casualty (16 questions)

• Minimum auto liability limits - C.R.S. § 10-4-620
• Uninsured/underinsured motorist coverage and written rejection - C.R.S. § 10-4-609
• The $5,000 medical payments presumption and the three-year proof-of-rejection rule - C.R.S. § 10-4-635
• Personal auto cancellation grounds, notice periods and nonrenewal reasons - C.R.S. §§ 10-4-602, 10-4-603, 10-4-604
• The named-driver exclusion an insurer must offer instead of raising the household's premium - C.R.S. § 10-4-630
• Homeowners cancellation and nonrenewal notice, and the additional living expense minimum with the 24-month offer - C.R.S. §§ 10-4-110.7, 10-4-110.8
• Commercial policy nonrenewal notice - C.R.S. § 10-4-110
• Colorado Insurance Guaranty Association claim limits and the workers' compensation exception - C.R.S. § 10-4-508
• The Colorado FAIR Plan Association - C.R.S. § 10-4-1804
• Workers' compensation: who is an employer, the waiting period and temporary total disability - C.R.S. §§ 8-40-203, 8-42-103, 8-42-105
• Unreasonable delay or denial of a first-party claim and the two-times-the-benefit remedy - C.R.S. §§ 10-3-1115, 10-3-1116

Sample Colorado questions with answers

One question from each Colorado section, reproduced exactly as it appears in the file and in the online mock exams.

Question 1 (Life). A Colorado insurer wants to let an annual-premium whole life policy lapse for nonpayment. Before the lapse takes effect, what written notice must it give the policy owner?

• A. None; the grace period itself is the notice
• B. At least 25 days' written notice before the effective date of lapse
• C. At least 10 days' notice by certified mail
• D. At least 60 days' notice to the owner and every beneficiary

Answer: B. At least 25 days' written notice before the effective date of lapse. C.R.S. § 10-7-105.5 requires written notice to the policy owner at least twenty-five days before the effective date of lapse, by first-class mail or by e-mail if the owner consented to electronic communication. A is wrong because the lapse notice is a separate statutory duty; C misstates both the period and the delivery method; D overstates the period and adds beneficiaries the statute does not mention. Note the requirement does not apply to policies with monthly or more frequent premiums. See C.R.S. § 10-7-105.5.

Question 2 (Health). A Colorado provider submits a clean claim electronically to a carrier on June 1. Under Colorado's prompt-pay statute, the carrier must pay or deny the claim by:

• A. June 15 (15 days)
• B. July 1 (30 calendar days); a paper claim would get 45 calendar days
• C. July 16 (45 calendar days) for all claims
• D. August 30 (90 calendar days)

Answer: B. July 1 (30 calendar days); a paper claim would get 45 calendar days. C.R.S. § 10-16-106.5 requires clean claims to be paid or denied within thirty calendar days after receipt if submitted electronically and within forty-five calendar days if submitted by mail, fax, or hand delivery, with a ninety-day outer limit for claims needing additional information. A is not a statutory period; C applies the paper period to electronic claims; D is the outer limit for non-clean claims. See C.R.S. § 10-16-106.5.

Question 3 (Property and casualty). A Colorado family's home is a total loss under a replacement-cost homeowners policy issued in 2026. Which additional-living-expense requirement does Colorado impose?

• A. ALE coverage of at least 12 months, and the insurer must have offered a 24-month option
• B. ALE limited to 6 months
• C. ALE of exactly 24 months in every policy
• D. ALE is optional and need not be offered

Answer: A. ALE coverage of at least 12 months, and the insurer must have offered a 24-month option. C.R.S. § 10-4-110.8 requires every homeowners replacement-cost dwelling policy to include additional living expense coverage of at least twelve months and requires insurers to offer a twenty-four-month option, with further extensions available after a declared wildfire disaster. B is below the minimum, C misreads the 24-month offer as mandatory in every policy, and D contradicts the requirement that ALE be included. See C.R.S. § 10-4-110.8.

Rules that changed recently

One property and casualty question tests a Colorado body that older study material does not mention at all, because it did not exist until recently:

• The Colorado FAIR Plan Association. Created by 2023 legislation as a nonprofit, unincorporated public entity whose members are the insurers authorized to write property insurance in Colorado, it provides property and commercial property coverage when the admitted market will not. Membership is a condition of an insurer's authority to transact insurance in the state, and expenses, income and losses are shared among members - C.R.S. § 10-4-1804.

Every Colorado question in the file carries a review date of September 28, 2026. When a cited section is amended, the question is rewritten, the file is regenerated, and the date at the top of this page moves.

How to study with this PDF

1. Start with the Colorado block, not the national one. It is 44 questions and you can finish it in an evening, and it is the part of the exam a generic course leaves you least prepared for.
2. Learn Colorado's notice periods as a set, because the state questions pit them against each other: 10 days for auto nonpayment, 30 days for auto cancellation and nonrenewal, 45 days for commercial nonrenewal, 60 days with reasons for homeowners, 25 days before a life policy lapses, 180 days before a carrier leaves a health market. The wrong options in the bank are almost always one of the other real Colorado figures.
3. Keep the premium-mode rules straight on the health side - 7, 10 and 31-day grace periods - and the claim clock of 20 days notice, 15 days for forms, 90 days proof, 60 days before suit.
4. Then take the timed Colorado mock for your line online: life, health or property and casualty. Each is built to the Colorado exam's question count and 120-minute limit, with the state questions mixed into the general ones the way Pearson VUE delivers them.
5. Finish with the national portion of the file. It is the larger share of every Colorado exam, and the hub article explains how the three national banks are organised if you would rather work them as separate files.

Practice Colorado questions online

• Colorado life insurance practice exam - 90-question timed mock with explanations, including the 14 Colorado life-law questions
• Colorado health insurance practice exam - 91-question timed mock with explanations, including the 14 Colorado health-law questions
• Colorado property and casualty practice exam - 85-question mock mirroring the Property exam, including the 16 Colorado property and casualty questions

Other free PDFs

• Free insurance exam questions and answers PDFs - the hub for every line
• Life insurance PDF - 306 national questions
• Health insurance PDF - 300 national questions
• Property and casualty PDF - 390 national questions

Download the Colorado PDF (44 Colorado-law questions plus 996 national)

This PDF and the practice exams are an independent study resource, not affiliated with the Colorado Division of Insurance or Pearson VUE. Licensing requirements, fees and exam formats change; confirm them in the current candidate handbook before you register.