Delaware Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Delaware Insurance License Exam document

    Passing your Delaware insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Delaware.

    In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Delaware insurance licensing exam, and on what to do after you pass.

     

    Delaware Insurance Exam Basics

    General Information

    The State of Delaware uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.

    Each major insurance line examination is made up of bullet-point questions and includes both general and state-specific material.

    The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Delaware insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Score Explanation

    Insurance licensing exams are not scored in the most obvious manner.

    Each licensing examination has multiple versions — known as forms — which are made up of different questions. This means that your exam can be easier or more difficult than another candidate’s, even if you’re being tested on the same line, on the same day.

    A statistical procedure known as equating is used to ensure that any differences in form difficulty are accounted for.

    Example:

    Imagine that you have two forms of a Life, Accident & Health exam.

    On Form X, the Delaware Department of Insurance (DDI) determines that correctly answering 30 questions demonstrates that you have the minimum knowledge necessary to pass your exam and become a licensed agent.

    On Form Y, however, the same level of understanding is demonstrated by answering 25 questions correctly. In this scenario, you would need 30 correct answers to pass on Form X, whereas you would need 25 correct answers to pass on Form Y.

    Following this, a second procedure known as scaling is used to translate this method into a numerical figure, which is then reported to all Delaware candidates.

    As a result, the score you will see after your exam is not a reflection of the number of answers you got correct, nor is it a reflection of your final percentage score. It’s merely a number that is meant to show how well or poorly you did relative to what you needed to do in order to pass.

     

    Cost

    Your Delaware insurance license exam cost will depend on the number of examinations that you take:

    Examination

    Cost 

    Time Allowed

    Life Producer

    $90

    75 Minutes

    Accident and Health Producer

    $90

    75 Minutes

    Property Producer

    $90

    75 Minutes

    Casualty Producer

    $90

    75 Minutes

    Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is not a requirement in the state of Delaware, but it can go a long way in helping you get accustomed to the information that you will need to know.
    4.7 out of 5 starsKaplan Education Company

     

    Delaware Life and Health Insurance Exam

    Below you can find the content outline offered by Pearson VUE.

    We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

    Life General Knowledge Content Outline

    50 scorable questions plus 5 pretest questions.

    I. Types of Policies

    A. Traditional Whole Life Products
    B. Interest/Market-Sensitive/Adjustable Life Products
    C. Term Life
    D. Annuities
    E. Combination Plans and Variations

     

    II. Policy Riders, Provisions, Options, and Exclusions

    A. Policy Riders
    B. Policy Provisions and Options
    C. Policy Exclusions

     

    III. Completing the Application, Underwriting, and Delivering the Policy

    A. Completing the Application
    B. Underwriting
    C. Delivering the Policy
    D. Contract Law

     

    IV. Retirement and Other Insurance Concepts

    A. Third-Party Ownership
    B. Viatical Settlements
    C. Life Settlements
    D. Group Life Insurance
    E. Retirement Plans
    F. Life Insurance Needs Analysis/Suitability
    G. Social Security Benefits
    H. Tax Treatment of Insurance Premiums, Proceeds, and Dividends

     

    Life Delaware Specific Content Outline

    40 scorable questions, plus 6 pretest questions.

    I. Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance

    A. License Regulation
    B. Marketing Practices
    C. Insurance Commissioner

     

    II. Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Life and Health Insurance

    A. Credit Life and Health
    B. Life and Health Guaranty Association Act

     

    III. Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Life Insurance Only

    A. Life insurance standard provisions
    B. Annuity and endowment contracts standard provisions
    C. Standard Nonforfeiture Law
    D. Prohibited policies
    E. Policy replacement
    F. Life insurance solicitation
    G. Group life insurance

     

    IV. Insurance Ethics

    A. Definitions
    B. Market Conduct examination
    C. Binding coverage
    D. Disclosure letters and forms
    E. Errors and Omissions insurance
    F. Unfair practices
    G. Insurance fraud and Fraud Prevention Bureau
    H. Advertisement procedures
    I. Privacy
    J. Conflict of issues and producer’s responsibilities

     

    Accident & Health General Knowledge Content Outline

    50 scorable questions plus 5 pretest questions.

    I. Types of Policies

    A. Disability Income
    B. Accidental Death and Dismemberment
    C. Medical Expense Insurance
    D. Medicare Supplement Policies
    E. Group Insurance
    F. Individual/Group Long Term Care (LTC)
    G. Other Policies

     

    II. Policy Provisions, Clauses, and Riders

    A. Mandatory and Optional Provisions
    B. Other Provisions and Clauses
    C. Riders
    D. Rights of Renewability

     

    III. Social Insurance

    A. Medicare (Parts A, B, C, D)
    B. Medicaid
    C. Social Security Benefits

     

    IV. Other Insurance Concepts

    A. Total, Partial, Recurrent, and Residual Disability
    B. Owner’s Rights
    C. Dependent Children Benefits
    D. Primary and Contingent Beneficiaries
    E. Modes of Premium Payments
    F. Nonduplication and Coordination of Benefits (e.g., primary vs. excess)
    G. Occupational vs. Non-occupational
    H. Tax Treatment of Premiums and Proceeds of Insurance Contracts (e.g., disability income and medical expenses, etc.)
    I. Managed Care
    J. Workers Compensation
    K. Subrogation
    L. Cost containment

     

    V. Field Underwriting Procedures

    A. Completing the Application
    B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    D. Submitting application (and initial premium if collected) to company for underwriting
    E. Policy Delivery
    F. Explaining Policy and its Provisions, Riders, Exclusions, and Ratings to Clients
    G. Replacement
    H. Contract Law

     

    Accident & Health Delaware Specific Content Outline

    42 scorable questions plus 13 pretest questions.

    I. Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance

    A. License Regulation
    B. Marketing Practices
    C. Insurance Commissioner

     

    II. Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Life and Health Insurance

    A. Credit Life and Health
    B. Life and Health Guaranty Association Act

     

    III. Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Health Insurance Only

    A. Individual Health insurance required provisions
    B. Individual Health insurance optional provisions
    C. Individual accident and health minimum standards
    D. Group and blanket health insurance
    E. Long Term Care
    F. Medicare Supplement
    G. AIDS related testing

     

    IV. Insurance Ethics

    A. Definitions
    B. Market Conduct examination
    C. Binding coverage
    D. Disclosure letters and forms
    E. Errors and Omissions insurance
    F. Unfair practices
    G. Insurance fraud and Fraud Prevention Bureau
    H. Advertisement procedures
    I. Privacy
    J. Conflict of issues and producer’s responsibilities

    We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.

     

    Delaware Property and Casualty License Exam

    Below you can find the content outline offered by Pearson VUE. 

    You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

    Property General Knowledge Content Outline

    50 scorable questions, plus 5 pretest questions.

    I. Types of Policies 

    A. Homeowners
    B. Dwelling Policies
    C. Commercial Lines
    D. Inland Marine
    E. National Flood Insurance Program
    F. Others

     

    II. Insurance Terms and Related Concepts

    A. Insurance
    B. Insurable Interest
    C. Risk
    D. Hazards
    E. Peril
    F. Loss
    G. Loss Valuation
    H. Proximate Cause
    I. Deductible
    J. Indemnity
    K. Limits of Liability
    L. Coinsurance/Insurance to Value
    M. Occurrence
    N. Cancellation
    O. Nonrenewal
    P. Vacancy and Inoccupancy
    Q. Liability
    R. Negligence
    S. Binders
    T. Endorsements
    U. Blanket vs. Specific

     

    III. Policy Provisions and Contract Law

    A. Declarations
    B. Insuring Agreement
    C. Conditions
    D. Exclusions
    E. Definition of the Insured
    F. Duties of the Insured
    G. Obligations of the Insurance Company
    H. Mortgagee Rights
    I. Proof of Loss
    J. Notice of Claim
    K. Appraisal
    L. Other insurance Provision
    M. Subrogation
    N. Elements of a contract
    O. Warranties, representations, and concealment
    P. Sources of underwriting information
    Q. Fair Credit Reporting Act
    R. Privacy Protection (Gramm Leach Bliley)
    S. Policy Application
    T. Terrorism Risk Insurance Act (TRIA)
    U. Territory

     

    Property Delaware Specific Content Outline

    35 scorable answers plus 7 pretest questions.

    I. Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance

    A. License Regulations
    B. Marketing Practices
    C. Insurance Commissioner

     

    II. Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Property and Casualty Insurance

    A. Surplus Lines Broker
    B. Consent of rate filings
    C. Fiduciary accounts
    D. Guaranty Association Act
    E. Premium financing
    F. Credit Scoring for Underwriting

     

    III. Delaware Statutes, Rules, Regulations and Bulletins Pertinent to Property Insurance Only

    A. Delaware FAIR Plan
    B. Declinations, renewal, and cancellation of Property insurance contracts
    C. National Flood Insurance Program

     

    IV. Insurance Ethics

    A. Definitions
    B. Market Conduct examination
    C. Binding coverage
    D. Disclosure letters and forms
    E. Errors and Omissions insurance
    F. Unfair practices
    G. Insurance fraud and Fraud Prevention Bureau
    H. Advertisement procedures
    I. Privacy
    J. Conflict of issues and producer’s responsibilities

     

    Casualty General Knowledge Content Outline

    50 scorable questions plus 5 pretest questions.

    I. Types of Policies, Bonds, and Related Terms

    A. Commercial general liability
    B. Automobile: personal auto and business auto
    C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    D. Crime
    E. Bonds
    F. Professional liability
    G. Umbrella/Excess Liability
    H. Business Owners Policy (BOP)

     

    II. Insurance Terms and Related Concepts

    A. Risk
    B. Hazards
    C. Indemnity
    D. Insurable interest
    E. Loss Valuation
    F. Negligence
    G. Liability
    H. Occurrence
    I. Binders
    J. Warranties
    K. Representations
    L. Concealment
    M. Deposit Premium/Audit
    N. Certificate of Insurance
    O. Law of Large Numbers
    P. Pure vs. Speculative Risk
    Q. Endorsements
    R. Damages
    S. Compliance with Provisions of Fair Credit Reporting Act

     

    III. Policy Provisions

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions and Limitations
    E. Definition of the Insured
    F. Duties of the Insured after a Loss
    G. Cancellation and Nonrenewal Provisions
    H. Supplementary Payments
    I. Proof of Loss
    J. Notice of Claim
    K. Other Insurance
    L. Subrogation
    M. Loss Settlement Provisions including Consent to Settle a Loss
    N. Terrorism Risk Insurance Act (TRIA)

     

    Casualty Delaware Specific Content Outline

    45 scorable questions plus 9 pretest questions.

    I. Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance

    A. License Regulations
    B. Marketing Practices
    C. Insurance Commissioner

     

    II. Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Property and Casualty Insurance

    A. Surplus Lines Broker
    B. Consent of rate filings
    C. Fiduciary accounts
    D. Guaranty Association Act
    E. Premium financing
    F. Credit Scoring for Underwriting

     

    III. Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Casualty Insurance Only

    A. Delaware Motorist Protection Act
    B. Uninsured and Underinsured Motorists Coverage
    C. Cancellation and nonrenewal of auto insurance
    D. Delaware Automobile Insurance Plan
    E. Defensive driving course credit
    F. Private passenger automobile insurance rating information
    G. Workers Compensation

     

    IV. Insurance Ethics

    A. Definitions
    B. Market Conduct examination
    C. Binding coverage
    D. Disclosure letters and forms
    E. Errors and Omissions insurance
    F. Unfair practices
    G. Insurance fraud and Fraud Prevention Bureau
    H. Advertisement procedures
    I. Privacy
    J. Conflict of issues and producer’s responsibilities

    We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.

     

    How to Pass the Delaware Insurance Exam

    Passing your Delaware insurance exam ultimately comes down to your mindset and degree of preparation.

    We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

    Get a Pre-License Course

    Even though this is not a requirement in the state of Delaware, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

    We recommend Kaplan’s course because it offers a variety of helpful features, including:

    • Online exam simulations
    • Live online training
    • Printable study guides
    • End of chapter reviews

    For more information, we recommend reading our Kaplan Insurance Course Review.

     

    Make Enough Time to Study

    Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

    Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

    We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

     

    Control Test Anxiety

    Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

    • Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
    • Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
    • Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
    • Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

    For a more in-depth overview of how you can prepare for your Delaware insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Delaware Insurance License

    Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

    You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Delaware Department of Insurance, you are totally free to do that.

    After you have passed your insurance licensing exam, you will need to:

    • Complete a fingerprint and background check
    • File your licensing application
    • Wait for your application to be reviewed

    Have a look at our How to Become an Insurance Agent in Delaware review for more information on all the steps that you will need to take after passing your insurance exam.




    Delaware Insurance Exams FAQ

    How often do I have to renew my license?

    You must renew your Delaware insurance license every two years. The exact date of renewal can be found on your license.

    For more information, see our guide on How to Renew Your Insurance License in Delaware.

     

    How long is the Delaware insurance exam?

    There are different time limits when it comes to different Delaware insurance exams.

    For example, candidates have 75 minutes to complete the Life, Accident and Health, Property, and Casualty exams. The Personal Lines exam, on the other hand, must be completed within 90 minutes.

     

    How many times can you take the Delaware insurance exam?

    You can take the insurance exam in Delaware up to 10 times in 12 months. If the exam is not passed in those tries you will not be able to take the test for 12 months after the 10th failed attempt.

     

    How many questions are on the Delaware insurance exam?

    This will depend on what exam you are taking. For example, the Life exam is made up of 90 questions, whereas the Property exam is made up of 85 questions.

    Delaware Department Of Insurance Contact Information

    Mailing Address:

    The Nemours Building
    1007 Orange Street, Suite 1010
    Wilmington, Delaware 19801

    Phone: (302) 674-7390

    Fax: (302) 736-7906

    Email: licensing@delaware.gov

    Website: http://www.delawareinsurance.gov/

    License Search: Delaware Insurance License Search and Lookup




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