October 20, 2022

Tennessee Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Tennessee Insurance License Exam document

    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.

    Example:

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

    On Form X, the Tennessee Department of Commerce and Insurance 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 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.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is actually a requirement in Tennessee, and can also go a long way in helping you learn all of the information that you will need to know during your exam.
    4.7 out of 5 starsKaplan Education Company

     

    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

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

     

    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

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

     

    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

    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 Tennessee insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    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

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




    Tennessee Insurance Exams FAQ

    How often do I have to renew my Tennessee insurance license?

    You will need to renew your insurance license every two years in order to continue operating as a legitimate insurance agent in Tennessee.

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

     

    How long is the Tennessee insurance exam?

    This will depend on the exam in question.

    Having said that, the Life, Accident and Health, Property, and Casualty Agent exams are all 105 minutes long.

     

    How many times can you take the Tennessee insurance exam?

    You will need to wait 10 days before registering for a re-examination if you fail an insurance exam In Tennessee.

    If you fail the same examination more than once, you will be required to wait 30 days between each consequent re-examination attempt.

     

    How many questions are on the Tennessee insurance exam?

    The Life, Accident and Health, Casualty, and Property exams all consist of 68 questions (50 general questions and 18 state-specific questions.).

    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




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