Tennessee insurance exam guide (2026)
Last updated
The Tennessee Life and Accident and Health producer exams, from Pearson VUE's Tennessee content outlines (in effect for exams taken on or after October 7, 2026) and candidate handbook.
The exam at a glance
| Life Producer | Accident and Health Producer | |
|---|---|---|
| General knowledge questions | 50 scored + 5 pretest | 50 scored + 5 pretest |
| Tennessee law questions | 18 scored + 4 pretest | 18 scored + 4 pretest |
| Total on the exam | 77 (68 scored) | 77 (68 scored) |
| Time allowed | 1 hour and 45 minutes | 1 hour and 45 minutes |
| Passing score | 70 (scaled) | 70 (scaled) |
| Exam fee | $55 | $55 |
Pretest questions are not marked and do not count toward your score. The question counts come from the October 7, 2026 content outlines. The time, passing score and fees come from the candidate handbook, which says "The Department of Commerce and Insurance has selected 70 as the passing score for reporting purposes." If you pass, your score report just says "pass"; a failing report shows a number. Taking Life and Accident and Health together online with OnVUE costs $80; at a test center each exam is taken alone in its own session.
What is on the Life exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 15 |
| II. Policy Riders, Provisions, Options, and Exclusions | 15 |
| III. Completing the Application, Underwriting, and Delivering the Policies | 12 |
| IV. Retirement and Other Insurance Concepts | 8 |
| V. Tennessee laws and rules common to life, accident and health, property and casualty | 14 |
| VI. Tennessee laws and rules for life insurance only | 4 |
What is on the Accident and Health exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 16 |
| II. Policy Provisions, Clauses, and Riders | 15 |
| III. Social Insurance | 6 |
| IV. Other Insurance Concepts | 5 |
| V. Field Underwriting Procedures | 8 |
| VI. Tennessee laws and rules common to life, accident and health, property and casualty | 14 |
| VII. Tennessee laws and rules for accident and health insurance only | 4 |
Tennessee law is 18 of the 68 scored questions on each exam. Practice it: free Tennessee insurance law questions Coming soon.
Scheduling and test day
- Where: at a Pearson VUE test center, or online from home with OnVUE. The handbook limits you to 2 OnVUE attempts per exam line; after that you test at a center.
- How to book: online on Pearson VUE's Tennessee page or by phone at (800) 274-4957. Book at least 24 hours ahead. Walk-ins are not available.
- Changes: change or cancel at least 48 hours before the exam, or you lose the fee.
- ID at a test center: two current IDs with your signature, in English. The first must be government-issued with a photo. Pearson VUE does not allow grace periods for expired IDs, and the name must match your registration.
- Arrive: 30 minutes before the exam.
- Language: Pearson VUE publishes Spanish content outlines for both exams.
Retakes
After a first failed attempt you wait 10 days before retaking. After each later attempt you wait 30 days.
Do I need a pre-licensing course in Tennessee?
Not for Life or Accident and Health. The Department of Commerce and Insurance's licensing page lists a 30-hour pre-licensing course only for the title insurance line, and Tennessee Code 56-6-106 requires it only for title.
Ready to practice? Try the free Life Coming soon or Accident & Health Coming soon practice test.