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Free Oregon Life Insurance Practice Exam Online

Official exam: Life Insurance Producer License (OR)

Take a free Oregon Life Insurance practice exam online: a full 28-question paper with every answer explained, no sign-up, scored by topic. The full 28-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer License (OR): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily OAR (50%) and ORS (46%) of this exam's citations.

Take a full practice test free. 28 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
28
questions per paper
28
questions in the bank
What this exam covers
5 real sample questions
How many hours of pre-licensing education does OAR 836-071-0180 require for authority to transact life insurance in Oregon?
A. 10 hours
B. 20 hours
C. 30 hours
D. 40 hours
Show answer and reasoning

Correct answer: B. 20 hours

Correct. OAR 836-071-0180 requires 20 hours of pre-licensing education in basic principles of life insurance, producer duties and responsibilities, and Oregon-related law before an applicant may sit for the life line exam.

  • A: Incorrect. 10 hours understates the pre-licensing hour requirement Oregon sets for the life line.
  • C: Incorrect. 30 hours overstates the per-line pre-licensing requirement.
  • D: Incorrect. 40 hours would represent two separate 20-hour lines combined, not the life line alone.
Source: OAR 836-071-0180
ORS 731.170, referenced by ORS 744.062 for producer licensing purposes, provides the statutory definition of which product?
A. Marine insurance
B. Title insurance
C. Surety insurance
D. Life insurance
Show answer and reasoning

Correct answer: D. Life insurance

Correct. ORS 731.170 provides the definition of life insurance that ORS 744.062 incorporates by reference for the life/health producer license category.

  • A: Incorrect. Marine insurance is a distinct property/casualty class unrelated to the life insurance definition in ORS 731.170.
  • B: Incorrect. Title insurance is defined and licensed separately under its own resident-only category in ORS 744.062, not by ORS 731.170.
  • C: Incorrect. Surety insurance is a distinct insurance class unrelated to the life insurance definition in ORS 731.170.
Source: ORS 731.170
Before soliciting or selling life insurance policies in Oregon, ORS 744.053 requires a person to:
A. Obtain a bond of $100,000
B. Complete a four-year finance degree
C. Meet the requirements to be licensed as an insurance producer for the life class of insurance
D. Register as a broker-dealer with the SEC
Show answer and reasoning

Correct answer: C. Meet the requirements to be licensed as an insurance producer for the life class of insurance

Correct. ORS 744.053 requires that a person meet the requirements to be licensed as an insurance producer for the class of insurance being transacted, including life insurance.

  • A: Incorrect. A $100,000 bond is not a life producer licensing requirement in Oregon; bonding requirements of that kind apply to categories like public adjusters, not life producers.
  • B: Incorrect. Oregon does not condition life producer licensure on a specific college degree.
  • D: Incorrect. SEC broker-dealer registration relates to securities transactions such as variable products sold through FINRA-member firms, not the state life insurance producer license itself.
Source: ORS 744.053
Under ORS 744.062, life insurance is defined by reference to which statute for producer licensing purposes?
A. ORS 731.170
B. ORS 743.165
C. ORS 744.515
D. ORS 746.230
Show answer and reasoning

Correct answer: A. ORS 731.170

Correct. ORS 744.062 authorizes licensure for 'life insurance as defined in ORS 731.170' together with health insurance as one licensing category.

  • B: Incorrect. ORS 743.165 governs the grace period for premium payment, not the definition of life insurance used for licensing.
  • C: Incorrect. ORS 744.515 addresses adjuster licensing exemptions, unrelated to the definition of life insurance for producer licensing.
  • D: Incorrect. ORS 746.230 addresses unfair claim settlement practices, not the definition of life insurance.
Source: ORS 744.062
How many total continuing education hours must an Oregon resident life insurance producer complete each two-year renewal cycle, and how many of those must be ethics?
A. 32 total hours, including 4 hours of ethics
B. 16 total hours, including 2 hours of ethics
C. 24 total hours, with no dedicated ethics hours
D. 24 total hours, including 3 hours of ethics
Show answer and reasoning

Correct answer: D. 24 total hours, including 3 hours of ethics

Correct. OAR 836-071-0215 requires 24 total continuing education hours per two-year cycle, including 3 hours of ethics, plus 3 hours of Oregon law for residents.

  • A: Incorrect. 32 total hours and a 4-hour ethics component overstate Oregon's requirement.
  • B: Incorrect. 16 total hours and a 2-hour ethics component understate Oregon's actual continuing education requirement.
  • C: Incorrect. Oregon does require a dedicated 3-hour ethics component within the 24-hour total; ethics is not optional.
Source: OAR 836-071-0215
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (OR)May 2025$61,680/yr

Frequently asked questions

Where can I take a free Oregon Life Insurance practice exam online?
Right here. CertQuestUSA's free Oregon Life Insurance practice exam online is a full 28-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 28-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life Insurance Producer License (OR) practice test?
28 questions total, split into 3 full papers of 28 each with no repeats across papers.
What topics does the Life Insurance Producer License (OR) test cover?
13 domains, with the heaviest weight on Replacement Rules (18%), Policy Provisions (14%), and Ethics & Fair Practices (11%).
Where do CertQuestUSA's Life Insurance Producer License (OR) questions come from?
Primarily OAR (50%) and ORS (46%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life Insurance Producer License (OR) practice test?
Yes -- one full 28-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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