Tennessee Life and Health Insurance Agent Exam

Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Tennessee.

Who Grants a License: Licenses are granted by the Tennessee Department of Commerce and Insurance.

Life and Health Insurance Agent ExamQualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Tennessee:
 
1. Be at least eighteen (18) years of age.
2. Be a resident of the state.
3. Complete all prelicensing education.
4. Complete fingerprinting requirements.
5. Make a reservation and pay the examination fee.
6. Pass the examination.
7. Apply for a license.
 
Prelicensing Education Requirements: Each line of insurance requires 20 hours of prelicensing education from an approved provider. You must present proof of completion at the testing center prior to taking the exam.
 
Fingerprint Instructions: Each candidate taking a Tennessee Insurance examination must be fingerprinted. Requests for fingerprint-based background checks (TBI and FBI) must be submitted
through the use of the Tennessee Applicant Processing Service (electronically). Fingerprint information can be found at www.tn.gov/commerce/insurance.
 
Applying for the Producer Exam:  It is highly recommended that the Tennessee Insurance Licensing Candidate Handbook be reviewed, and special attention be given to the content outlines (available at www.pearsonvue.com), before taking an examination.
 
The State of Tennessee utilizes Pearson VUE to develop and administer its insurance licensing examination program. Pearson VUE is a leading provider of assessment services to regulatory agencies and national associations. Online reservations are the most efficient way for candidates to schedule their examination. Candidates must go to www.pearsonvue.com/tn/insurance to make an online reservation for an examination. Candidates may call (800) 274-4957 to make an exam reservation by phone.
 
Test Information: Candidates who pass the examination will receive a score report that reads “pass,” and no numeric score will be reported. Candidates who fail an examination will receive a numeric score. Each examination is based on a detailed content outline of topics, subtopics, and references to applicable state laws, statutes and regulations. The Tennessee Insurance Licensing Candidate Handbook contains specific content information beyond the following general outlines:
 
LIFE – GENERAL KNOWLEDGE CONTENT (50 scoreable questions plus 10 pretest questions)
 
I. TYPES OF POLICIES (12)
A. Traditional whole life products
B. Interest/market-sensitive life products
C. Term life
D. Annuities
E. Combination plans and variations
II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (19)
A. Policy riders
B. Policy provisions and options
C. Policy exclusions
III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (11)
A. Completing the application
B. Underwriting
C. Delivering the policy
IV. TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (8)
A. Third-party ownership
B. Group life insurance
C. Retirement plans
D. Life insurance needs analysis/suitability
E. Social Security benefits and taxes
F. Tax treatment of insurance premiums, proceeds, and dividends
 
TENNESSEE-SPECIFIC LIFE CONTENT OUTLINE - State, Statutes, Rules and Regulations (18 scoreable questions plus 4 pretest questions)
 
V. 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 Trade Practices
VI. TENNESSEE LAWS AND DEPARTMENTAL RULES PERTINENT TO LIFE INSURANCE ONLY
A. Required Provisions
B. Definitions
C. Disclosure
D. General
E. Replacement
 
 
ACCIDENT & HEALTH – GENERAL KNOWLEDGE CONTENT (50 scoreable questions plus 10 pretest questions)
 
I. TYPES OF POLICIES (14)
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Long Term Care (LTC)
G. Limited Benefit Plans
II. POLICY PROVISIONS, CLAUSES, AND RIDERS (20)
A. Mandatory provisions
B. Optional provisions
C. Other provisions and clauses
D. Riders
E. Rights of renewability
III. SOCIAL INSURANCE (3)
A. Medicare
B. Medicaid
C. Social Security benefits
IV. OTHER INSURANCE CONCEPTS (4)
A. Total, partial, 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 (9)
A. Completing application and obtaining necessary signatures
B. Explaining sources of insurability information
C. Initial premium payment and receipt and consequences of the receipt
D. Submitting application (and initial premium if collected) to company for underwriting
E. Ensuring delivery of policy and related documents to client
F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
G. Replacement
H. Contract law
 
TENNESSEE-SPECIFIC ACCIDENT AND HEALTH CONTENT OUTLINE ACCIDENT & HEALTH
State Statutes, Rules and Regulations (18 scoreable questions plus 4 pretest questions)
 
VI. 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 Trade Practices
VII. 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
H. Mandated Coverages
I. External Review
 
How to Apply for the License: After passing the examination, apply for your license by submitting an application electronically through NIPR (www.NIPR.com). If filing electronically, you must wait
forty'eight (48) hours. You can submit a paper application and the $50 filing fee directly to the Tennessee Department of Commerce and Insurance at the address below.
 
State Licensing Information:
 
Tennessee Department of Commerce and Insurance
Producer Licensing Section
500 James Robertson
Parkway
Nashville, TN 37243-1134
(615) 741-2693
(888) 416-0868
www.tn.gov/commerce/insurance
 
Pearson VUE Licensing Information:
 
Pearson VUE
Tennessee Insurance
Attn: Regulatory Program
5601 Green Valley Dr.
Bloomington, MN 55437
(800) 274-4957

License Renewal Requirements: Individual Producer licenses must be renewed every two years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Tennessee are regulated by the Tennessee Department of Commerce and Insurance.
 

For more information on life and health insurance agent licensing and exam preparation, go to Tests.com’s Life and Health Insurance Exam Guide.

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