Free Iowa Life and Health Insurance Practice Exam Online

Correct answer: B. Iowa does not require pre-licensing education hours; the applicant must still pass the licensing examination administered under Iowa Code ch. 522B

Correct. Under the producer licensing framework of Iowa Code ch. 522B, Iowa does not require completion of a set pre-licensing education course; the applicant must instead pass the state and general licensing examination.

• A: Wrong. Iowa does not mandate a fixed pre-licensing education hour requirement for producer applicants, unlike many other states.
• C: Wrong. Iowa's lack of a pre-licensing education mandate applies regardless of the applicant's age.
• D: Wrong. There is no pre-licensing education requirement for a college degree to waive in Iowa, since none is generally imposed.

Correct answer: B. The exam has a general product-knowledge section and a separate Iowa laws/rules section, and the candidate must score at least 70% on each section independently

Correct. The Iowa producer exam is split into a general section on insurance product knowledge and a state law section on Iowa-specific rules, and a candidate must achieve at least 70% on each section separately to pass.

• A: Wrong. The two sections are scored and passed independently, not averaged into one combined score.
• C: Wrong. Both general product knowledge and Iowa law are tested; the exam is not limited to state law alone.
• D: Wrong. The passing score standard is uniform statewide and does not vary by county.

Correct answer: C. 90 days

Correct. Iowa exam results are valid for 90 days, during which the candidate must apply for licensure or the passing result expires and the exam must be retaken.

• A: Wrong. 180 days is longer than the actual window Iowa allows.
• B: Wrong. A full year is well beyond the actual expiration period for Iowa exam results.
• D: Wrong. Exam results do expire; licensure must be applied for within the stated window.

Correct answer: B. A fingerprint-based criminal history background check submitted through the state's designated vendor

Correct. Iowa producer applicants must complete a fingerprint-based criminal history background check through the division's designated vendor as part of the licensing process under Iowa Code ch. 522B.

• A: Wrong. Iowa's licensing process does not require a vouching letter from another producer.
• C: Wrong. Iowa does not condition initial producer licensure on prior industry work experience.
• D: Wrong. No personal interview with the Commissioner is part of the standard licensing process.

Correct answer: B. 36 total hours, including at least 3 hours of ethics

Correct. Iowa requires most producers to complete 36 hours of approved continuing education per renewal cycle, with at least 3 of those hours dedicated to ethics.

• A: Wrong. 24 hours understates Iowa's total CE requirement, and Iowa does require a specific ethics component.
• C: Wrong. 12 total hours is far below Iowa's actual requirement, and the 6-hour ethics figure is also incorrect.
• D: Wrong. Only a portion (3 hours) of the 36-hour total must be ethics; the rest may be general insurance-related CE.