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 Washington DC Life and Health Practice Exam Online

Official exam: Life, Accident & Health Insurance Producer License (DC)

Take a free Washington DC Life and Health practice exam online: a full 104-question paper with every answer explained, no sign-up, scored by topic. The full 104-question bank and the timed simulator are $14.99 for 30 days.

First published: September 5, 2026Bank updated: September 5, 2026Published by CertQuestUSA · review process
TL;DR

Life, Accident & Health Insurance Producer License (DC): a 104-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 104 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 NH Insurance Dept./PSI Candidate Bulletin (73%) and D.C. Official Code (15%) of this exam's citations.

Weighting for the Life-insurance domains (insurance regulation, general insurance, life basics, life policies, life provisions/riders) reflects the DISB/Pearson VUE published content outline percentages for the Life-only exam series. No official published percentage breakdown was located for the combined Life, Accident & Health series itself, or for its Accident & Health and DC-state-law components, so those domains are weighted equally among themselves within a 30% (A&H) / 20% (DC state law) share of the exam, consistent with the standard national content-outline structure used across DISB-regulated lines.
Take a full practice test free. 104 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 Life, Accident & Health Insurance Producer License (DC)? 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
104
questions per paper
104
questions in the bank
What this exam covers
5 real sample questions
An insurer's authorization to transact business in a given state, issued by that state's insurance department, is known as a:
A. Binder
B. Certificate of authority
C. Producer appointment
D. Reinsurance treaty
Show answer and reasoning

Correct answer: B. Certificate of authority

Correct. A certificate of authority is the state's grant of permission for an insurer to transact business there.

  • A: A binder is temporary evidence of coverage for a policyholder, unrelated to an insurer's authority to operate.
  • C: A producer appointment authorizes an individual producer to represent a company, not the company's overall authority to operate.
  • D: A reinsurance treaty is an agreement between insurers to share risk, unrelated to licensing authority.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
An insurer owned by its policyholders, who share in dividends and voting rights, is organized as a:
A. Stock insurer
B. Mutual insurer
C. Reciprocal exchange
D. Risk retention group
Show answer and reasoning

Correct answer: B. Mutual insurer

Correct. A mutual insurer is owned by its policyholders, who may receive dividends and voting rights.

  • A: A stock insurer is owned by shareholders, not policyholders.
  • C: A reciprocal exchange is an unincorporated group of subscribers exchanging insurance contracts through an attorney-in-fact, a distinct structure.
  • D: A risk retention group is a liability insurer owned by its members for group self-insurance, not the general policyholder-ownership structure described.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
A producer who deceives a client into believing a policy has different benefits than it actually provides has likely engaged in:
A. Twisting
B. Misrepresentation
C. Rebating
D. Coinsurance
Show answer and reasoning

Correct answer: B. Misrepresentation

Correct. Misrepresentation is making false or misleading statements about a policy's benefits or terms.

  • A: Twisting is specifically inducing a policyholder to replace an existing policy through misrepresentation, a related but more specific act.
  • C: Rebating is offering an illegal inducement, such as part of the commission, to buy a policy.
  • D: Coinsurance is a cost-sharing provision in a policy, unrelated to deceptive sales conduct.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Insurance Regulation
A statement made by an applicant on an insurance application that is guaranteed to be literally true is called a:</br>
A. Representation
B. Warranty
C. Waiver
D. Estoppel
Show answer and reasoning

Correct answer: B. Warranty

Correct. A warranty is a statement guaranteed to be exactly and literally true; a breach can void coverage.

  • A: A representation is believed true to the best of the applicant's knowledge but is not guaranteed as literally exact.
  • C: A waiver is the voluntary relinquishment of a known right, unrelated to the truthfulness standard of a statement.
  • D: Estoppel prevents a party from later asserting facts contrary to earlier conduct or representation, a distinct legal doctrine.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, General Insurance
Which type of life insurance provides coverage for a specified period, with no cash value accumulation?
A. Whole life
B. Term life
C. Universal life
D. Variable life
Show answer and reasoning

Correct answer: B. Term life

Correct. Term life provides pure protection for a defined period without building cash value.

  • A: Whole life provides permanent, lifelong coverage with cash value accumulation.
  • C: Universal life is a permanent, flexible-premium policy that does build cash value.
  • D: Variable life is a permanent policy with cash value invested in separate accounts.
Source: NH Insurance Dept./PSI Candidate Bulletin, Life Producer Exam 12-61, Life Insurance Basics
Same exam, other states
ALARAZCACOCTFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPASCTNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

Where can I take a free Washington DC Life and Health practice exam online?
Right here. CertQuestUSA's free Washington DC Life and Health practice exam online is a full 104-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 104-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, Accident & Health Insurance Producer License (DC) practice test?
104 questions total, split into 3 full papers of 104 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (DC) test cover?
15 domains, with the heaviest weight on Life Policy Provisions, Options & Riders (16%), Life Insurance Basics (13%), and Insurance Regulation (Life) (10%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (DC) questions come from?
Primarily NH Insurance Dept./PSI Candidate Bulletin (73%) and D.C. Official Code (15%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life, Accident & Health Insurance Producer License (DC) practice test?
Yes -- one full 104-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...