District of Columbia Life Insurance Practice Exam Free - 2026

• A. 16 years
• B. 21 years
• C. 18 years
• D. 19 years

Correct answer: C. 18 years

Explanation: The Commissioner must find that a resident individual applicant is at least 18 years of age, has committed no act that is a ground for denial, has completed any prelicensing course required by the Commissioner, has paid the fees, and has passed the examination unless exempt. Sixteen and 19 are not thresholds in the Producer Licensing Act, and 21 is the age some other jurisdictions once used, not the District's. See D.C. Code § 31-1131.06.

• A. The Commissioner may require a prelicensing course by rule; a 40-hour minimum is not mandated, but candidates must show proof of a course of study before testing
• B. A 40-hour approved course is mandatory under the Producer Licensing Act for every line
• C. No prelicensing education of any kind may be required in the District
• D. Prelicensing is required only for title insurance producers

Correct answer: A. The Commissioner may require a prelicensing course by rule; a 40-hour minimum is not mandated, but candidates must show proof of a course of study before testing

Explanation: The Producer Licensing Act lets the Commissioner require, by rule, a prelicensing course of study before an individual takes the examination or applies for a license; the Pearson VUE District of Columbia handbook states that a mandatory 40-hour course is not mandated by the Commissioner, but candidates must show proof of a prelicensing course of study before sitting for the exam. B overstates the law, C ignores the Commissioner's rulemaking authority, and D is backwards because title producers are the one group expressly excluded from § 31-1131.05a. See D.C. Code § 31-1131.05a.

• A. 90 days
• B. 180 days
• C. 1 year
• D. 30 days

Correct answer: B. 180 days

Explanation: The Commissioner may issue a temporary insurance producer license for a period not to exceed 180 days, without examination, to the surviving spouse or personal representative of a producer who dies or becomes disabled, among other cases. Ninety days is the window for a producer moving into the District to apply for a resident license, 30 days is the address-change deadline, and one year is the post-expiration reinstatement window. See D.C. Code § 31-1131.11.

• A. 10 days
• B. 60 days
• C. 90 days
• D. 30 days

Correct answer: D. 30 days

Explanation: A licensee must inform the Commissioner of a change of residential or business address within 30 days of the change, and of a change of legal name within 30 days; no fee or application is required, but failure to notify timely carries a penalty. Ten days is the Commissioner's time to verify an appointment, 90 days is the deadline for a producer who moves into the District to apply for a resident license, and 60 days is not a licensing deadline. See D.C. Code § 31-1131.08a.

• A. The producer
• B. The primary beneficiary only
• C. The exam vendor
• D. The policyowner

Correct answer: D. The policyowner

Explanation: The policyowner generally controls ownership rights, including changing a revocable beneficiary, subject to policy rules.

• A. Transferring some or all ownership rights in the policy
• B. Naming a new insured to replace the original insured
• C. Designating which beneficiary will receive the proceeds
• D. Transferring the policy to a new insurer at the same rate

Correct answer: A. Transferring some or all ownership rights in the policy

Explanation: An assignment transfers policy ownership rights, either fully or partially, to another party, depending on the assignment type.

• A. remove the insured from the policy
• B. secure a debt with policy rights as collateral
• C. make the agent a beneficiary
• D. make a lender the full owner of the insurer

Correct answer: B. secure a debt with policy rights as collateral

Explanation: A collateral assignment gives a creditor limited rights in the policy as security for a debt. Rights usually end when the debt is satisfied.

• A. approve any beneficiary's claim before the insurer pays it
• B. waive underwriting requirements for the insured at application
• C. control policy rights such as beneficiary changes and assignments
• D. set the policy's premium rate and cost of insurance charges each year

Correct answer: C. control policy rights such as beneficiary changes and assignments

Explanation: The policyowner owns the contract and generally controls rights such as changing beneficiaries, assigning the policy, and selecting options.

• A. A settlement option chosen by the beneficiary
• B. A summary of coverage delivered with the policy
• C. A statement of policy value used to illustrate growth
• D. An added provision that modifies or adds coverage

Correct answer: D. An added provision that modifies or adds coverage

Explanation: A rider is an added policy provision that changes, limits, or adds benefits to the base policy.

• A. Waiver of premium rider
• B. Term conversion rider
• C. Guaranteed insurability rider
• D. Accidental death benefit rider

Correct answer: A. Waiver of premium rider

Explanation: A waiver of premium rider can waive required premiums during a qualifying disability, subject to policy definitions and waiting periods.

• A. Conversion of term coverage to permanent coverage at any time without a new application
• B. Purchase of additional coverage at specified times without new proof of insurability
• C. Reinstatement of a lapsed policy at specified times without paying back premiums
• D. Renewal of the policy at specified times without an increase in premium for attained age

Correct answer: B. Purchase of additional coverage at specified times without new proof of insurability

Explanation: A guaranteed insurability rider lets the insured buy additional coverage at certain option dates or events without proving insurability again.

• A. any illness after retirement
• B. nonpayment of premium
• C. a covered accident
• D. policy surrender

Correct answer: C. a covered accident

Explanation: An accidental death benefit rider pays an extra amount if death results from a covered accident and rider conditions are satisfied.