Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

The entire contract provision generally says the life insurance contract consists of the policy and:

the completed application attached to the policy

the producer's oral statements made at the time of sale

the insurer's sales illustration used during the sale

the conditional receipt given when the premium was paid

What does the incontestability provision generally limit?

The insurer's ability to contest a policy after a stated period, except for limited issues

The policyowner's ability to change the beneficiary after a stated period, except with insurer consent

The beneficiary's ability to file a claim after a stated period, except for accidental death

The insurer's ability to raise premiums after a stated period, except for a change in the insured's health

If the insured's age was misstated on the application, what is the usual policy response?

The death benefit is adjusted to the amount the premium would have purchased at the correct age

The policy is voided and all premiums paid are refunded to the beneficiary with interest

The death benefit is paid in full and the beneficiary is billed for the premium shortfall

The premium is recalculated and the owner must pay the difference before the claim is paid

What is the free-look period designed to let a new policyowner do?

Cancel the policy after review and receive a refund as required by policy or law

Return the policy and receive a refund minus the cost of coverage during the review period

Request changes to the policy's terms after delivery without submitting a new application

Cancel the policy at any time during the first year and receive a full premium refund

What is the key difference between a revocable and irrevocable beneficiary?

An irrevocable beneficiary usually must consent to certain beneficiary changes

An irrevocable beneficiary may be changed by the policyowner at any time without notice

A revocable beneficiary usually must consent before the policy can be assigned or loaned against

An irrevocable beneficiary becomes the policyowner once the designation is made

What is the purpose of naming a contingent beneficiary?

To receive the benefit if the primary beneficiary cannot receive it

To share the benefit equally with the primary beneficiary at the insured's death

To receive the cash value while the primary beneficiary receives the death benefit

To become the policyowner if the original owner dies before the insured

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Delaware Life Insurance Practice Exam Free - 2026

Delaware may be small, but its licensing exam covers the same national content majors face anywhere - plus rules from the Delaware Department of Insurance. Drill free practice questions until the answers come automatically. Access 300+ free Life Insurance questions with detailed explanations.

Exam quick facts. The Delaware Life Insurance exam: 106 questions in 135 minutes; passing score 70 or 80 (scaled, varies by exam part); exam fee $90; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

Unlimited Practice

Delaware Specific

How the Delaware Life Insurance exam compares

The Delaware Life exam is 106 questions, 135 minutes. The examination fee is $90.

Delaware splits the paper: 50 questions come from the national Life content outline and 40 are on Delaware law - roughly 44% of the exam that no national study guide covers.

Delaware requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from Delaware Insurance Candidate Handbook (June 2025, #120800) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Delaware Life producer exam: general and state parts

Delaware splits the Life Insurance licensing exam into a general (national) part and a state-specific part on Delaware law: General 50 scored + 10 pretest (75 min); State 40 scored + 6 pretest (60 min). Time limit: 135 minutes. Passing: scaled score (70 or 80 depending on exam part; per-exam value shown on score report, not published). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Delaware's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Delaware Department of Insurance.

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50-150 questions
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Delaware Life Exam Info

Vendor: Pearson VUE
Questions: General 50 scored + 10 pretest (75 min); State 40 scored + 6 pretest (60 min)
Time limit: 135 minutes
Passing: scaled score (70 or 80 depending on exam part; per-exam value shown on score report, not published)
Exam fee: $90 (two major-line exams same day = one $90 fee)
Prelicensing: None - 'The Delaware Department of Insurance does not require a specific program of pre-licensing education'

Verified July 2026 from the Delaware Insurance Candidate Handbook (June 2025, #120800). Always confirm with the current official candidate handbook.

Delaware Department of Insurance

More Delaware Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Delaware Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Delaware Life Practice Questions with Answers

12 sample questions from the 300-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Delaware

Prepare for multiple insurance licenses in Delaware

Health Insurance

Delaware Exam

Property & Casualty

Delaware Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Pennsylvania

Maryland

New Jersey

Official Delaware Insurance Resources

Important external links for Delaware insurance licensing information

Delaware Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Choose a practice mode above and begin your free Delaware Life Insurance exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Delaware Life Insurance Practice Exam Free - 2026

How the Delaware Life Insurance exam compares

The Delaware Life producer exam: general and state parts

Choose Your Practice Mode

Delaware Life Insurance Exam Topics

Free Delaware Life Practice Questions with Answers

Question 1: A life policy lapses because the premium was not paid. Which provision may allow the policyowner to restore coverage if requirements are met?

Question 2: The entire contract provision generally says the life insurance contract consists of the policy and:

Question 3: What does the incontestability provision generally limit?

Question 4: If the insured's age was misstated on the application, what is the usual policy response?

Question 5: Which nonforfeiture option uses the cash value to buy paid-up term insurance for the full face amount for a limited period?

Question 6: Which nonforfeiture option provides a lower amount of permanent coverage with no further premium payments?

Question 7: What is the free-look period designed to let a new policyowner do?

Question 8: Which provision helps prevent a life policy from lapsing by using policy cash value to pay overdue premiums?

Question 9: Which settlement option pays life insurance proceeds over a chosen number of years, with payments ending when that period ends?

Question 10: Who receives the death benefit when the insured dies, assuming the named person or entity is eligible and living?

Question 11: What is the key difference between a revocable and irrevocable beneficiary?

Question 12: What is the purpose of naming a contingent beneficiary?

Frequently Asked Questions

How many questions are on the Delaware Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Delaware insurance exam?

Can I take the practice test on my phone?

Is the Delaware Life Insurance producer exam one test or two?

Other Insurance Exams in Delaware

Life Insurance Exams in Nearby States

Official Delaware Insurance Resources

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