Life, Accident & Health Insurance Producer License (CO)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Life, Accident & Health Insurance Producer License (CO): a 31-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 31 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily C.R.S. (60%) and 3 CCR (27%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

31

questions per paper

31

questions in the bank

What this exam covers

Annuities13%
Claims Settlement6%
Co Continuing Education3%
Co License Scope13%
Co Ltc Partnership3%
Co Producer Duties13%
Co Replacement Rules6%
Disability Income6%
Group Vs Individual6%
Life Fundamentals13%
Long Term Care6%
Underwriting10%

5 real sample questions

A Colorado producer holds a combined "Life, Accident and Health" line of authority. What does this license permit the producer to sell?

A. Only term life insurance, with no authority to sell health or disability products

B. Both life insurance products (including annuities) and accident/health insurance products, such as disability income and health coverage, under a single combined license

C. Only property and casualty products

D. Only group health insurance, excluding individual life insurance

Source: C.R.S. § 10-2-407

How does Colorado statute define the "Life" line of authority?

A. Coverage on human lives, including benefits of endowment and annuities

B. Coverage limited strictly to burial expenses

C. Coverage for property damage caused by fire

D. Coverage exclusively for group employer-sponsored plans

Source: C.R.S. § 10-2-407

How does Colorado statute define the "Accident and health" line of authority?

A. Insurance coverage for sickness, bodily injury, or accidental death, which may include benefits for disability income

B. Insurance coverage solely for automobile accidents

C. Insurance coverage limited to dental procedures only

D. Insurance coverage that excludes any disability-related benefits

Source: C.R.S. § 10-2-407

A producer licensed only in Accident and Health attempts to sell a whole life insurance policy with a cash value component. What is the problem with this transaction under Colorado law?

A. There is no problem, since accident and health and life are considered the same line of authority

B. The producer is not qualified or licensed for the life line of authority and is therefore prohibited from selling this life insurance product

C. The problem only arises if the policy's face amount exceeds $1 million

D. There is no problem as long as the client signs a waiver

Source: C.R.S. § 10-2-401

What is the fundamental distinction between term life insurance and whole life insurance?

A. Term life provides coverage for a specified period with no cash value, while whole life provides lifelong coverage that builds cash value

B. Term life always costs more than whole life for the same face amount

C. Whole life only pays a death benefit if the insured dies within the first year

D. Term life and whole life are identical products with different names

Source: General national life insurance fundamentals

Same exam, other states

AL AR AZ CA CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (CO)May 2025$68,730/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (CO) practice test?

31 questions total, split into 3 full papers of 31 each with no repeats across papers.

What topics does the Life, Accident & Health Insurance Producer License (CO) test cover?

12 domains, with the heaviest weight on Annuities (13%), Co License Scope (13%), and Co Producer Duties (13%).

Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (CO) questions come from?

Primarily C.R.S. (60%) and 3 CCR (27%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Life, Accident & Health Insurance Producer License (CO)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.