Connecticut Insurance Exam Guides
Pick the license you're studying for. Each guide covers Connecticut-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Connecticut exam's state-law material, mapped.
Free study resource
What's actually tested on the Connecticut exam — the state regulations, mapped
Every Connecticut insurance exam reserves a block of questions for Connecticut-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 96 facts from the TESTivity Connecticut regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 8 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Free look for individual life tested10 days for individual life — the owner may return the policy within 10 days and it is void from the beginning (void ab initio), with premiums refunded
- Free look when a policy is being replaced tested10 days — the right to return a replaced life policy or annuity
- Free look for long-term care tested30 days for long-term care (RCSA § 38a-501-11); 30 days for Medicare supplement (CGS § 38a-495a)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products testedThe Life line plus FINRA securities registration; Variable Life and Variable Annuity is a separate Connecticut authority
- Does the state regulate viatical/life settlements? testedYes — the Connecticut Life Settlement Act
- Viator's rescission window tested15 days from execution of the contract (the viator must repay any proceeds received)
- Has the state adopted the NAIC best interest standard? testedYES — adopted the NAIC 2020 best interest model, effective March 1, 2022 (RCSA § 38a-432a-1 et seq.). A producer recommending an annuity must act in the consumer's best interest.
Health 14 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Connecticut expanded Medicaid under the ACA (HUSKY D), effective January 1, 2014
- Effective date of expansion, if expanded testedJanuary 1, 2014
- Agency administering Medicaid testedHUSKY Health — Connecticut's Medicaid program (HUSKY A is Medicaid; HUSKY D is the ACA adult expansion)
- Federal marketplace or state-based exchange testedA STATE-BASED exchange — Access Health CT. Connecticut runs its own full exchange.
- Name of the state CHIP program testedHUSKY B — Connecticut's Children's Health Insurance Program (CHIP)
- Clean-claim payment deadline, electronic tested20 days for an electronic clean claim
- Clean-claim payment deadline, paper tested60 days for a paper clean claim
- Does the state distinguish electronic vs paper claims? testedYes — 20 days electronic, 60 days paper
- Interest / penalty on late claim payment tested15% per annum interest on clean claims not paid on time
- Is the IRO's external review decision binding on the plan? testedYES — Connecticut runs a state external review through an Independent Review Organization (IRO), and the decision is BINDING on the carrier
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Connecticut's continuation (mini-COBRA) fills the gaps
- Employer size range covered by state continuation testedConnecticut's continuation applies to group health plans; the statute sets no employee-count threshold
- Duration of state continuation coverage testedUp to 30 months
- Max premium as % of group rate testedUp to 102% of the group premium
Auto 11 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedFault-based (tort). Connecticut REPEALED its no-fault (PIP) system effective January 1, 1994.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$25,000
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY — provided at limits equal to the bodily injury liability limits, unless the named insured requests a lower amount in writing (never below the § 14-112 minimums)
- Underinsured motorist status testedMandatory, matched to the UM limits (CGS § 38a-336); underinsured-motorist conversion coverage is also offered
- Personal injury protection status testedNo PIP — Connecticut repealed no-fault effective January 1, 1994. There is no mandatory personal injury protection.
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence — a 51% bar. A claimant recovers only if their negligence was NOT GREATER THAN the combined negligence of the defendants.
- The bar percentage, if modified comparative tested51% bar — a claimant whose negligence is greater than the defendants' combined negligence recovers nothing; at exactly 50% they still recover
- Assigned risk / residual market plan for auto testedThe Connecticut Automobile Insurance Assigned Risk Plan (CAIP) — the assigned-risk market for drivers who cannot obtain coverage voluntarily
CE & Renewal 7 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedTwo years (biennial)
- What the renewal date keys off (flat term / birthday / birth year) testedBiennial renewal
- CE hours per renewal period, standard case tested24 hours of Connecticut-approved CE every two years
- CE hours if holding multiple license types (if different) testedStill 24 total — holding multiple lines does not multiply the hours
- Ethics hours required per period tested3 hours in Connecticut insurance law and regulations, or ethics, within the 24
- What happens if CE is not completed (fine / expiry / cancellation) testedA license may not be renewed until CE is satisfied; a license not renewed lapses
- Any CE exemption (e.g. long-service agents) testedNonresidents are treated as compliant if they meet their home state's CE requirement
Property 7 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE / FILE-AND-USE in competitive markets — rates may be filed by their effective date with no waiting period; in a market the Commissioner finds not competitive (and for residual and workers' compensation rating) a 30-day prior-approval-style waiting period applies. Rates must not be excessive, inadequate, or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPermitted but restricted — the insurer must file its credit-scoring program; it may not take an adverse action based solely on credit; a lack of credit history must be treated neutrally; and adverse-action disclosure is required, with extraordinary-life-circumstance exceptions.
- Does the state have a FAIR Plan? testedYES — the Connecticut FAIR Plan, the residual-market facility for property owners who cannot obtain coverage in the standard market
- Name of the FAIR Plan, if any testedConnecticut FAIR Plan
- Dominant catastrophe perils in the state testedHurricane and coastal windstorm above all — Connecticut's Long Island Sound shoreline drives the state's hurricane-deductible rules (CGS § 38a-316a); Nor'easters and winter storms add to the exposure.
- What license you must already hold to write surplus lines testedAn active Connecticut Producer Property & Casualty license (surplus lines carries no separate pre-licensing requirement)
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort to place the risk in the admitted market first
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedConnecticut Life and Health Insurance Guaranty Association
- Life death benefit limit tested$500,000
- Life cash surrender / withdrawal value limit tested$500,000 net cash surrender / withdrawal value
- Annuity benefit limit tested$500,000 present value of annuity benefits
- Health benefit limit tested$500,000 for health insurance — a FLAT limit, not tiered
- Aggregate per-individual cap, if any tested$500,000 aggregate per individual across life, health and annuity — with up to $5,000,000 where one owner holds multiple nongroup life policies
- Does the state follow the standard NAIC model limits? testedYes in structure — but with a FLAT $500,000 across life, health and annuity, rather than the tiered NAIC health limits
- Name of the P&C guaranty association testedConnecticut Insurance Guaranty Association
- Per-claim cap testedCovered claims up to $500,000 (for insolvencies on or after October 1, 2015), with a $100 per-claim deductible. Unearned premium refunds are capped at $2,000 per policy. Workers' compensation claims are paid in FULL.
- Is using the guaranty association as a sales inducement prohibited? testedYes for property & casualty — using the Connecticut Insurance Guaranty Association in advertising or a sales inducement is prohibited (CGS § 38a-852). A parallel ban in the life & health act was not located.
Workers Comp 6 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — mandatory for essentially all private employers
- Employee count at which coverage is required testedOne or more employees — Connecticut requires coverage from the first employee (a domestic worker employed 26 or fewer hours per week is excepted)
- Agency administering workers' compensation testedThe Connecticut Workers' Compensation Commission
- Temporary total disability wage replacement rate tested75% of the employee's AFTER-TAX (spendable) average weekly wage — an unusual after-tax basis that deducts federal and state taxes and FICA — capped at the state maximum weekly benefit rate
- Deadline to file a claim tested1 year from the date of accident (3 years from the first manifestation of symptoms for an occupational disease); a death claim within 2 years, or 1 year from death, whichever is later
- Ways an employer may comply (insure / self-insure / group) testedInsure with a licensed carrier, or qualify as an approved self-insurer
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Connecticut Insurance Department (CID)
- Title of the person who heads it testedInsurance Commissioner
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAppointed by the Governor, with the advice and consent of either house of the General Assembly — not elected
- Where the state's insurance law is codified testedTitle 38a of the Connecticut General Statutes, with regulations in the Regulations of Connecticut State Agencies (RCSA), Title 38a
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a conventional standalone department headed by an appointed Commissioner
Cancellation 7 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — auto only. After a private passenger auto policy has been in effect 60 days (or is a renewal), it may be canceled only for specified reasons (CGS § 38a-343).
- Notice days to cancel a homeowners policy inside the initial window tested30 days for homeowners cancellation (general); 10 days for nonpayment (Standard Fire Policy, CGS § 38a-307)
- Notice days to cancel a personal auto policy inside the initial window tested45 days' advance notice for auto cancellation on permitted grounds; 10 days for nonpayment of a renewal premium; 15 days for nonpayment of the first premium on a new policy
- Notice days for cancellation for nonpayment tested10 days for nonpayment of premium
- Notice days for cancellation for other permitted causes tested45 days for permitted causes (auto)
- Notice days required for nonrenewal tested60 days' advance written notice of nonrenewal (auto and homeowners), and the reason must be stated; professional liability requires 90 days
- Must the reason be stated proactively, on request, or not at all? testedYes — the specific reason for nonrenewal must be stated in the notice (CGS § 38a-323)
Licensing 21 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — Life
- Is there a standalone health license/exam? testedYes — Accident and Health or Sickness
- Is there a combined life+health license/exam? testedYes — Connecticut offers a combined Life / Accident & Health dual line (40 hours of pre-licensing) alongside the separate Life and Accident & Health single lines
- Is there a personal lines license/exam? testedYes — Personal Lines
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Connecticut offers Property and Casualty as separate single lines AND a combined Property & Casualty dual line (40-hour pre-licensing), plus a narrower Personal Lines line
- Does the life license cover annuities? testedYes — annuities are sold under the Life line (Variable Life and Variable Annuity is a separate add-on authority)
- Does the P&C license already include personal lines authority? testedNo — Personal Lines is its own line, but holding Property & Casualty covers personal-lines risks
- Full list of exam-based agent license types testedA Connecticut Producer license listing any of: Life · Accident and Health or Sickness · Property · Casualty · Personal Lines · the Life/A&H and Property & Casualty dual lines · Variable Life and Variable Annuity · Credit · Limited Lines Travel — plus separate Surplus Lines and Public Adjuster credentials
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE — physical test centers only (online proctoring was discontinued August 1, 2025)
- License application fee tested$140 resident producer application (initial); $160 biennial renewal
- Fee per insurer appointment tested$50 appointment filing/request fee; $100 appointment issued for a domestic insurer ($80 for other insurers)
- Passing score tested70%
- Minimum age to be licensed tested18 (the standard minimum age for a resident producer)
- Is pre-licensing education required? testedYES — 20 hours for a single line; 40 hours for a dual line, completed before you may sit the Pearson VUE exam
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) tested20 hours for a single line (Life, Accident & Health, Property, Casualty, or Personal Lines); 40 hours for a dual line (Life/Accident & Health, or Property & Casualty). Property Public Adjuster requires 40 hours.
- Fingerprints, state police report, or none testedA background review is conducted through the license application; Connecticut does NOT require a Letter of Clearance from a prior home state
- Who takes the prints / issues the report testedConnecticut Insurance Department, via the NIPR application
- Deadline to apply after passing the exam testedApply for the license within 1 year of passing the exam, or the passing result expires and you must retest
- How long a passed exam remains valid tested1 year
- Waiting period before retaking a failed exam tested24 hours between attempts
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com)