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: 97 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 August 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 of receipt and it is void from the beginning (void ab initio), with premiums refunded. Note the scope: § 38a-436 reaches individual LIFE policies only, not annuities.
- 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 — Connecticut adopted the NAIC 2020 best interest model (Model #275), effective March 1, 2022. Newly licensed producers must complete a one-time 4-hour Annuity Best Interest certification course before selling annuities; producers already licensed on the effective date owed an additional 1 hour by August 31, 2022. The regulation's subtitle is still 'Suitability in Annuity Transactions.'
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 itself dates to 2010 (Connecticut was the first state to receive federal approval to expand); the ACA raised income eligibility to 138% of the federal poverty level effective January 1, 2014.
- Effective date of expansion, if expanded testedJanuary 1, 2014 for the ACA's 138% FPL eligibility level (HUSKY D coverage began in 2010)
- 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. The insurer must also request any additional information within 10 days (electronic) or 30 days (paper) of receiving the claim.
- 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 less in writing (never below the § 14-112 minimums of $25,000/$50,000). Insurers must also OFFER limits at TWICE the bodily injury coverage, and any reduction requires a signed informed-consent form listing the options and the premium for each, carrying the statutory warning in 12-POINT TYPE.
- Underinsured motorist status testedMandatory, matched to the UM limits. Underinsured-motorist CONVERSION coverage is a separate product under § 38a-336a — and the statutory limit on total recovery from all policies does NOT apply to conversion coverage.
- 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 8 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedTwo years, expiring on the last day of the licensee's BIRTH MONTH
- What the renewal date keys off (flat term / birthday / birth year) testedBirth month, biennially. Critically, the CE 'biennium' is DEFINED as the two-year period ending on the producer's license expiration date — so CE and the license run on the SAME clock, not two different ones.
- 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) testedThe license cannot be renewed until CE is satisfied; CID nonrenews after 30 days' written notice, and the license then lapses. There is a one-year late-renewal window ($160 renewal + $160 penalty = $320).
- Any CE exemption (e.g. long-service agents) testedNonresidents are treated as compliant if they meet their home state's CE requirement, and producers who passed the licensing exam within the last 12 months of a biennium are exempt. Connecticut offers NO long-service, age-based or grandfathering exemption — CID says so expressly.
- Can excess CE hours be carried over? testedYES — up to 24 hours of excess credit may be carried from one biennium to the next. This reverses the old rule: RCSA § 38a-782a-10 read 'No credit hours may be carried over' until it was AMENDED ON JANUARY 13, 2022. Sources still quoting the prohibition are stale.
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 by presumption — 'A competitive market is presumed to exist' unless the Commissioner finds otherwise AFTER A HEARING, and such a finding expires no later than 3 years out. On a noncompetitive finding, rates sit on file for a 30-day waiting period (extendable by 30 more). Workers' compensation and employers' liability always carry the 30-day wait; residual-market rates (FAIR Plan, assigned risk) always require PRIOR APPROVAL; and professional liability for physicians, surgeons, hospitals, APRNs and PAs needs prior approval when an increase exceeds 7.5%.
- 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 Property Insurance Placement Facility, trading as the CT FAIR Plan: the residual-market facility writing basic property insurance for applicants who cannot obtain it in the normal market and whose property meets reasonable underwriting standards
- Name of the FAIR Plan, if any testedConnecticut Property Insurance Placement Facility — known as the CT FAIR Plan (the statute itself authorizes a 'fire, liability and allied lines underwriting facility'; the trade name comes from the Facility's own materials)
- 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. Public Act 26-69 did NOT change any life & health dollar limit.
- 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 (insolvencies on or after October 1, 2015; $400,000 for 10/1/2007-9/30/2015, $300,000 before that). Workers' compensation claims are paid IN FULL. Effective October 1, 2026, Public Act 26-69 raises the unearned-premium cap from $2,000 to $50,000 per policy, DELETES the $100 per-claim floor, and adds two new sub-limits: $1,000,000 for first-party real property per occurrence (insolvencies on or after June 1, 2026) and $500,000 aggregate for cybersecurity claims per insured event.
- 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; 15 days for nonpayment of the FIRST premium on a new policy; 10 days for nonpayment of a subsequent premium. The reason must be stated, and notice also goes to any lienholder and to any third party the insured designated under § 38a-323a.
- 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, with the reason stated — and the SAME 60 days applies to a CONDITIONAL RENEWAL on less favorable terms. Municipal liability 60 days; professional liability 90 days; surplus lines insurers 60 days. No notice is required for nonpayment of premium.
- 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 its own line of authority, statutorily defined as 'property and casualty coverage sold to individuals and families for noncommercial purposes'
- 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? testedPersonal Lines is its own line, but holding both Property and Casualty covers personal-lines risks. Personal Lines is the narrower subset — property and casualty sold to individuals and families for noncommercial purposes.
- Full list of exam-based agent license types testedThe eight lines of authority under CGS § 38a-702f: Life · Accident and health or sickness · Property · Casualty · Variable life and variable annuity products · Personal lines · Credit · any other line permitted by law. Exams exist for Life, A&H, Property, Casualty and Personal Lines (plus combined Life/A&H and Property & Casualty sittings). Surplus Lines Broker, Certified Insurance Consultant and Public Adjuster are separate credentials.
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE — physical test centers only (Norwalk, Wallingford, Wethersfield, plus any national center at no extra charge). Online proctoring was discontinued August 1, 2025.
- License application fee tested$190 to CID up front — a $140 initial resident producer license fee PLUS a separate $50 non-refundable application fee. Renewal is $160 biennially ($320 if late); amendment to add a line and reinstatement are $130 each.
- Fee per insurer appointment tested$50 filing fee for each appointment request, plus $100 for each appointment issued or continued for a DOMESTIC insurer and $80 for any other insurer — with retaliatory adjustments: no fee if the insurer's home state charges Connecticut agents nothing, and $20 if that state's premium tax rate is below Connecticut's.
- Passing score testedA raw 70% on every producer exam — the handbook states it as a straight percentage, not a scaled score. (Surety Bail Bonds is the state's only 80% exam.)
- 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 testedNONE — no fingerprints and no separate background submission. CID states verbatim that the producer license 'does not require fingerprints.' Background review runs through the application's character questions, plus the producer's continuing duty to report administrative actions and criminal prosecutions. Connecticut also does not require a Letter of Clearance from a prior home state.
- Who takes the prints / issues the report testedNo vendor — there is no fingerprint step for a Connecticut resident producer. CID reviews the NIPR application directly.
- Deadline to apply after passing the exam testedApply within 1 year of passing the exam, or the result expires and both the course and the exam must be redone
- How long a passed exam remains valid tested1 year. Miss it and you must complete the pre-licensing course AGAIN as well as retake the exam — this is CID administrative policy, not a Title 38a statute.
- Waiting period before retaking a failed exam tested24 hours — a re-examination reservation cannot be made at the test center, and the candidate must wait 24 hours before booking. The handbook states no cap on the number of attempts.
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com)