Free Connecticut Property Casualty Practice Exam Online

Correct answer: B. Every two years

Correct. Conn. Gen. Stat. § 38a-784 governs renewal of a producer's license, which in Connecticut runs on a two-year cycle tied to the licensee's birth date.

• A: Connecticut's producer license term is not annual.
• C: Three years overstates Connecticut's actual two-year renewal cycle.
• D: The license is not permanent; it must be actively renewed every two years or it lapses.

Correct answer: A. Property and casualty

Correct. Conn. Gen. Stat. § 38a-702b defines the lines of authority a producer license may carry, and property and casualty is the line that covers products such as homeowners and commercial general liability insurance.

• B: The life line of authority covers insurance on human lives, including annuities and endowments, not property or liability products.
• C: Accident and health or sickness authority covers medical and disability-related products, not homeowners or CGL coverage.
• D: Variable life and variable annuity authority is a specialized line for securities-registered products, unrelated to homeowners or CGL insurance.

Correct answer: C. 24 total hours, with at least 3 hours in Connecticut law/regulations or ethics

Correct. Connecticut requires 24 CE hours per compliance period under Regs. Conn. State Agencies § 38a-782a, with a minimum of 3 hours dedicated to Connecticut insurance law/regulations or ethics, and at least 6 of the 24 hours tied to each line of authority held.

• A: 6 total hours with no ethics component substantially understates Connecticut's CE requirement and omits the mandatory ethics/law component.
• B: 40 total hours with 10 hours of ethics overstates Connecticut's actual requirement.
• D: The 3-hour Connecticut law/ethics component is mandatory within the 24-hour total, not optional.

Correct answer: D. A one-time 3-credit-hour NFIP flood insurance course

Correct. Effective April 15, 2026, newly licensed Connecticut resident producers with Property/Casualty or Personal Lines authority must complete a one-time, 3-credit-hour National Flood Insurance Program (NFIP) flood insurance course as part of their CE obligations.

• A: The requirement is a one-time 3-hour flood course, not a 24-hour ethics course, and it is not an annual requirement.
• B: Connecticut did add this new flood-insurance CE requirement for these two lines of authority.
• C: The one-time course requirement concerns flood insurance, not life settlement contracts, which is a life insurance topic unrelated to P&C or personal lines licensing.

Correct answer: B. A fiduciary capacity, requiring the producer to account for and remit the funds properly

Correct. Conn. Gen. Stat. § 38a-712 requires a producer who receives premiums to hold them in a fiduciary capacity and properly account for and remit them to the entitled party, such as the insurer or the insured.

• A: Premium funds collected on an insurer's behalf are trust funds held for the insurer, not funds the producer may treat as their own to spend freely; commingling them with personal or operating funds is precisely what the fiduciary duty prohibits.
• C: Premium is not automatically the producer's earned fee simply upon collection; the producer owes a duty to remit funds owed to the insurer or insured.
• D: The fiduciary premium-handling duty is unrelated to a producer's own errors and omissions insurance arrangement.