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.

What does policy assignment usually involve?

Transferring some or all ownership rights in the policy

Naming a new insured to replace the original insured

Designating which beneficiary will receive the proceeds

Transferring the policy to a new insurer at the same rate

A collateral assignment is most often used to:

secure a debt with policy rights as collateral

remove the insured from the policy

make a lender the full owner of the insurer

The policyowner is the person who generally has the right to:

control policy rights such as beneficiary changes and assignments

approve any beneficiary's claim before the insurer pays it

waive underwriting requirements for the insured at application

set the policy's premium rate and cost of insurance charges each year

What is a rider in a life insurance policy?

An added provision that modifies or adds coverage

A settlement option chosen by the beneficiary

A summary of coverage delivered with the policy

A statement of policy value used to illustrate growth

What does a guaranteed insurability rider usually allow?

Purchase of additional coverage at specified times without new proof of insurability

Conversion of term coverage to permanent coverage at any time without a new application

Reinstatement of a lapsed policy at specified times without paying back premiums

Renewal of the policy at specified times without an increase in premium for attained age

Which rider is designed to provide part of the death benefit early if the insured has a qualifying terminal illness?

Accelerated death benefit rider

Cost of living adjustment rider

A payor benefit rider is most commonly used on a juvenile life policy to:

waive premiums if the adult payor dies or becomes disabled

waive premiums if the insured child becomes disabled

pay the death benefit to the payor if the child dies

allow the child to buy more coverage at specified ages

What does a term rider added to a permanent life policy usually provide?

Additional temporary life insurance protection

Additional permanent coverage purchased with dividends

A guaranteed minimum interest rate on cash value

A waiver of premiums during total disability

A cost-of-living rider is intended to help the policy benefit keep pace with:

the beneficiary's tax filing date

the producer's commission schedule

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District of Columbia Life Insurance Practice Exam Free - 2026

Producers in the nation's capital are licensed by the DC Department of Insurance, Securities and Banking. Use these free practice tests to master the national exam content before you schedule your DC licensing exam. Access 300+ free Life Insurance questions with detailed explanations.

Exam quick facts. The District of Columbia Life Insurance exam: 90 questions in 120 minutes; passing score 70 (scaled); exam fee $75; administered by Pearson VUE; 40-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

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District of Columbia Specific

How the District of Columbia Life Insurance exam compares

The District of Columbia Life exam is 90 questions, 120 minutes. The examination fee is $75.

District of Columbia requires 40 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

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

Figures above are taken from District of Columbia Insurance Licensing Candidate Handbook (September 2022, #120900) + Content Outlines (#120901) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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District of Columbia Life Exam Info

Vendor: Pearson VUE
Questions: General 50 scored + 5 pretest; DC-specific 30 scored + 5 pretest
Time limit: 120 minutes
Passing: scaled 70 (Producer exams)
Exam fee: $75
Prelicensing: Proof of a pre-licensing course of study is required before sitting for the exam, but a mandatory minimum hour count (e.g. 40 hours) is NOT mandated by the Commissioner

Verified July 2026 from the District of Columbia Insurance Licensing Candidate Handbook (September 2022, #120900) + Content Outlines (#120901). Always confirm with the current official candidate handbook.

More District of Columbia Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

District of Columbia 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 District of Columbia 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 District of Columbia

Prepare for multiple insurance licenses in District of Columbia

Health Insurance

District of Columbia Exam

Property & Casualty

District of Columbia Exam

Official District of Columbia Insurance Resources

Important external links for District of Columbia insurance licensing 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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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

District of Columbia Life Insurance Practice Exam Free - 2026

How the District of Columbia Life Insurance exam compares

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District of Columbia Life Insurance Exam Topics

Free District of Columbia Life Practice Questions with Answers

Question 1: Which party normally has the right to change a revocable beneficiary?

Question 2: What does policy assignment usually involve?

Question 3: A collateral assignment is most often used to:

Question 4: The policyowner is the person who generally has the right to:

Question 5: What is a rider in a life insurance policy?

Question 6: Which rider commonly waives premiums if the insured becomes totally disabled according to the rider terms?

Question 7: What does a guaranteed insurability rider usually allow?

Question 8: An accidental death benefit rider generally pays an additional benefit when death results from:

Question 9: Which rider is designed to provide part of the death benefit early if the insured has a qualifying terminal illness?

Question 10: A payor benefit rider is most commonly used on a juvenile life policy to:

Question 11: What does a term rider added to a permanent life policy usually provide?

Question 12: A cost-of-living rider is intended to help the policy benefit keep pace with:

Frequently Asked Questions

How many questions are on the District of Columbia Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the District of Columbia insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in District of Columbia

Official District of Columbia Insurance Resources

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