Tennessee Insurance License Exam

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

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 Tennessee insurance licensing exam, and on what to do after you pass.

Tennessee Insurance Exam Basics

General Information

The state of Tennessee 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 multiple-choice 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 Tennessee insurance regulations and laws that you will need to know in order to operate as an insurance agent.

Score Explanation

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 so that no one faces an unfair advantage or disadvantage.

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

Note: You will need to obtain a scaled score of 70 or higher in order to pass an insurance license exam in Tennessee.

Cost

Your Tennessee insurance license exam cost will depend on the number of exams that you take, as well as whether you sit them online or in-person:

Examination	In-Person Cost	Online Cost	Time Allowed
Life	$59	$49	105 Minutes
Accident and Health	$59	$49	105 Minutes
Property	$59	$49	105 Minutes
Casualty	$59	$49	105 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.

Tennessee 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.

Life General Knowledge Content Outline

50 scorable questions, plus 10 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 Policies

A. Completing the application
B. Underwriting
C. Delivering the policy
D. Contract law

IV. Taxes, 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 Tennessee Specific Content Outline

18 scorable questions, plus 4 pretest questions.

I. Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance

A. Powers of Commissioner
B. Definitions
C. License Requirements
D. License Suspension/Revocation
E. Unfair Practices
F. Life and Health Guaranty Association

II. Tennessee Laws and Departmental Rules Pertinent to Life Insurance Only

A. Required Provisions
B. Definitions
C. Disclosure requirements
D. General rules
E. Replacement
F. Annuities

Accident & Health General Knowledge Content Outline

50 scorable questions, plus 10 pretest questions.

I. Types of Polices

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
G. Occupational vs. non-occupational
H. Tax treatment of premiums and proceeds of insurance contracts
I. Managed care
J. Workers Compensation
K. Subrogation

V. Field Underwriting Procedures

A. Completing the application
B. Explaining sources of insurability and HIPAA privacy info
C. Initial premium payment and receipt
D. Submitting application to company for underwriting
E. Policy delivery
F. Explaining policy to clients
G. Replacement
H. Contract law

Tennessee Specific Accident & Health Content Outline

18 scorable questions, plus 4 pretest questions.

I. Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance

A. Powers of Commissioner
B. Definitions
C. License Requirements
D. License Suspension/Revocation
E. Unfair Practices
F. Life and Health Guaranty Association

II. Tennessee Laws, and Departmental Rules Pertinent to Accident and Health Insurance Only

A. Required Provisions
B. Policy cancellation, renewal
C. Group policies
D. Blanket or franchise school insurance
E. School accident coverage
F. Medicare supplement insurance
G. Long Term Care
H. Mandated Coverages (Offerings and Benefits)
I. External Review
J. Affordable Care Act

Tennessee 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.

Property General Knowledge Content Outline

50 scorable answers plus 10 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. Hazard
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. Binder
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)

Tennessee Specific Property Content Outline

18 scorable questions, plus 4 pretest questions.

I. Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance 

A. Powers of Commissioner
B. Definitions
C. License Requirements
D. License Suspension/Revocation
E. Unfair Practices
F. Guaranty Association
G. Credit Information

II. Tennessee Laws, and Departmental Rules Pertinent to Property Insurance Only

A. Fire Insurance
B. Personal Risk Insurance
C. Commercial Risk Insurance

Casualty General Knowledge Content Outline

50 scorable questions, plus 10 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

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. Arbitration
L. Other Insurance
M. Subrogation
N. Loss settlement provisions including consent to settle a loss
O. Terrorism Risk Insurance Act (TRIA)

Tennessee Specific Casualty Content Outline

18 scorable questions, plus 4 pretest questions.

I. Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance

A. Powers of Commissioner
B. Definitions
C. License Requirements
D. License Suspension/Revocation
E. Unfair Practices
F. Guaranty Association
G. Credit Information

II. Tennessee Laws, and Departmental Rules Pertinent to Casualty Insurance Only 

A. Financial responsibility
B. Noncancellable/Guaranteed Renewable policies
C. Uninsured Motorists Coverage
D. Accident Prevention Courses
E. Cancellation of Automobile insurance
F. Notice of Assigned Risk Eligibility
G. Workers’ Compensation
H. Request for loss runs

How to Pass the Tennessee Insurance Exam

Passing your Tennessee 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

Getting a pre-license course can go a long way in helping you learn the prolific amount of content that you will be tested on. It is also a legal requirement in Tennessee.

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

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.

Getting Your Tennessee 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 try passing additional insurance line exams before filing your licensing application with the Tennessee Department of Commerce and Insurance, if that is something that you are actually interested in.

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

Tennessee Department of Insurance Contact Information

Mailing Address:
Insurance Division
500 James Robertson Parkway
Nashville, Tennessee 37243

Phone: (615) 741-2693

Email: ce.agent.licensing@tn.gov

Website: https://www.tn.gov/commerce/insurance-division.html

License Search: Tennessee Insurance License Search and Lookup