CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental99+AL/AR/AZ +moreHealthcare & Clinical196+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification24+CAAviation & FAA Certification9Finance & Securities Licensing23IT & Cloud Certification6Project Management1Military Entrance Testing1View all sectors ›

Free Tennessee Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer License (TN)

Take a free Tennessee Property and Casualty practice exam online: a full 32-question paper with every answer explained, no sign-up, scored by topic. The full 32-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 1, 2026Published by CertQuestUSA · review process
TL;DR

Property & Casualty Insurance Producer License (TN): a 32-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 32 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 T.C.A. (93%) and Universal P&C - HO-3 Structure (4%) of this exam's citations.

Take a full practice test free. 32 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.
Start diagnostic
Want the whole bank for Property & Casualty Insurance Producer License (TN)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
Not ready yet? Take the free practice test first.
Ways to pay for the full bank
30-day pass
$14.99
about $15 a month
This exam only. Pays once, does not renew.
Monthly
$19.99
$19.99 a month
Every exam. Cancel any time.
Yearly
$143.93
about $11.99 a month
Every exam. Billed once a year.
Lifetime
$39.99
pay once
This exam only, no time limit.

See all plans and bundles

3
full papers, no repeats
32
questions per paper
32
questions in the bank
What this exam covers
5 real sample questions
Which violation under T.C.A. § 56-6-112 involves improperly withholding, misappropriating, or converting money or property received during insurance business?
A. Contract misrepresentation
B. Unethical conduct
C. Financial misconduct
D. Fraudulent licensure
Show answer and reasoning

Correct answer: C. Financial misconduct

Financial misconduct under § 56-6-112(a)(4) specifically addresses mishandling client funds and property.

  • A: Contract misrepresentation involves false statements about policy terms, not fund misappropriation.
  • B: Unethical conduct is a separate category that encompasses broader behavioral violations.
  • D: Fraudulent licensure refers to obtaining a license through deception rather than fund mishandling.
Source: T.C.A. § 56-6-112
Which act governs the qualifications and procedures for licensing insurance producers in Tennessee?
A. Tennessee Insurance Fraud Prevention Act of 1995
B. Tennessee Consumer Protection Insurance Act of 2000
C. Tennessee Insurance Producer Licensing Act of 2002
D. Tennessee Financial Responsibility Law of 1977
Show answer and reasoning

Correct answer: C. Tennessee Insurance Producer Licensing Act of 2002

This act specifically establishes the producer licensing framework and is cited as the correct name in T.C.A. § 56-6-101.

  • A: While fraud prevention is addressed in insurance regulation, this is not the foundational act for producer licensing.
  • B: This relates to consumer protections but is not the primary act establishing producer licensing procedures.
  • D: This act governs motor vehicle financial responsibility, not producer licensing.
Source: T.C.A. § 56-6-101
According to Tennessee law, what is required before a person can sell, solicit, or negotiate insurance in Tennessee?
A. A valid license issued by the Tennessee Department of Commerce and Insurance for that line of authority
B. Completion of a state-approved insurance education course
C. Proof of financial responsibility
D. Registration with the National Association of Insurance Commissioners
Show answer and reasoning

Correct answer: A. A valid license issued by the Tennessee Department of Commerce and Insurance for that line of authority

T.C.A. § 56-6-103 explicitly requires licensure for the applicable class of insurance in which the person engages.

  • B: Education and training may be prerequisites for licensure, but are not themselves the legal requirement to practice.
  • C: Financial responsibility is required for some licensees but is not the blanket requirement under § 56-6-103.
  • D: NAIC registration is a national organization activity; Tennessee requires state licensure under state law.
Source: T.C.A. § 56-6-103
Which of the following is exempt from requiring an insurance producer license under Tennessee law?
A. A solicitor selling insurance policies for a licensed insurer
B. A group insurance administrator acting within the scope of their administrative duties
C. A self-employed insurance broker marketing to consumers
D. An independent insurance agent representing multiple insurers
Show answer and reasoning

Correct answer: B. A group insurance administrator acting within the scope of their administrative duties

T.C.A. § 56-6-104 specifically exempts group insurance administrators from producer licensing requirements.

  • A: Solicitors actively selling insurance policies must hold producer licenses for the applicable lines.
  • C: Self-employed brokers and agents directly engaging in insurance transactions must hold appropriate licenses.
  • D: Independent agents representing multiple insurers must be individually licensed for their lines of authority.
Source: T.C.A. § 56-6-104
Under T.C.A. § 56-6-104, which category of employees is exempt from obtaining an insurance producer license?
A. Independent contractors hired by an insurer to solicit business
B. Sales representatives of a licensed broker
C. Employees of a managed care organization
D. Officers and employees of an insurer, acting in their official capacities
Show answer and reasoning

Correct answer: D. Officers and employees of an insurer, acting in their official capacities

Insurer officers and employees acting within their official capacities are expressly exempted under § 56-6-104.

  • A: Independent contractors engaging in insurance activities must hold appropriate licenses.
  • B: Broker employees representing the broker in insurance transactions require individual licensing.
  • C: MCO employees engaged in insurance solicitation must hold appropriate licenses for those activities.
Source: T.C.A. § 56-6-104
Same exam, other states
ALARAZCOCTIAINKSKYLAMAMDMIMNMOMSNCNJNVOKORSCUTVAWAWI
Real-world data for this exam
Insurance Sales Agents: real median wage (TN)May 2025$57,120/yr

Frequently asked questions

Where can I take a free Tennessee Property and Casualty practice exam online?
Right here. CertQuestUSA's free Tennessee Property and Casualty practice exam online is a full 32-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 32-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 Property & Casualty Insurance Producer License (TN) practice test?
32 questions total, split into 3 full papers of 32 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer License (TN) test cover?
5 domains, with the heaviest weight on Insurance Pc Tn Licensing (28%), Insurance Auto Tn (19%), and Insurance Pc Tn Renewal (19%).
Where do CertQuestUSA's Property & Casualty Insurance Producer License (TN) questions come from?
Primarily T.C.A. (93%) and Universal P&C - HO-3 Structure (4%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Property & Casualty Insurance Producer License (TN) practice test?
Yes -- one full 32-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.
Composing your paper...