Life Insurance Producer Practice Test

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

TL;DR

Life Insurance Producer Practice Test: a 150-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 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 content.naic.org (87%) and irs.gov (12%) 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

50

questions per paper

150

questions in the bank

What this exam covers

Annuities13%
Applications, Underwriting, Policy Delivery, and Field Responsibilities17%
Business, Group, and Specialized Life Uses10%
Ethics, Suitability, and General Insurance Regulation7%
Policy Provisions, Riders, Options, and Exclusions20%
Tax Treatment and Retirement Concepts13%
Types of Life Policies20%

5 real sample questions

A life-insurance recommendation raises “adjustable life.” Which statement should guide the producer?

A. Joint life commonly insures two lives and pays at the first death

B. Group life covers members under a master policy, often with certificates for covered individuals

C. Adjustable life can permit changes in premium, face amount, or protection period within policy rules

D. Decreasing term has a death benefit that declines over time while premiums may remain level

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'adjustable life'; https://content.naic.org/glossary-insurance-terms

A producer is discussing “term rider” with a client. Which explanation is accurate?

A. A term rider adds temporary life coverage to another policy

B. A child rider can add limited life coverage on eligible children

C. It may allow access to benefits for qualifying long-term care needs, subject to rider terms

D. Proceeds are paid over a selected period

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'term rider'; https://content.naic.org/glossary-insurance-terms

During a policy review, “joint life” becomes relevant. Which conclusion is correct?

A. Survivorship life generally pays after the second insured dies

B. Joint life commonly insures two lives and pays at the first death

C. Credit life is designed to pay off a borrower's debt if the insured debtor dies

D. Level term keeps the death benefit level during the stated term period

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'joint life'; https://content.naic.org/glossary-insurance-terms

A life-insurance recommendation raises “child rider.” Which statement should guide the producer?

A. A spouse rider can add coverage on the insured's spouse under rider terms

B. A child rider can add limited life coverage on eligible children

C. It may allow early payment of part of the death benefit after qualifying terminal/chronic illness conditions

D. Proceeds are paid in specified amounts until the fund is exhausted

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'child rider'; https://content.naic.org/glossary-insurance-terms

Which statement correctly distinguishes “survivorship life” from related life-insurance concepts?

A. Group life covers members under a master policy, often with certificates for covered individuals

B. Survivorship life generally pays after the second insured dies

C. Industrial life traditionally involved small face amounts and frequent premium collection

D. Annual renewable term renews yearly, typically with premiums increasing as age increases

Source: National Association of Insurance Commissioners — Glossary of Insurance Terms; entry/locator 'survivorship life'; https://content.naic.org/glossary-insurance-terms

Real-world data for this exam

Insurance Sales Agents: real median wageMay 2025$62,280/yr Part of the real Insurance Producer career pathExplore ›

Frequently asked questions

How many questions are on the CertQuestUSA Life Insurance Producer Practice Test practice test?

150 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Life Insurance Producer Practice Test test cover?

7 domains, with the heaviest weight on Policy Provisions, Riders, Options, and Exclusions (20%), Types of Life Policies (20%), and Applications, Underwriting, Policy Delivery, and Field Responsibilities (17%).

Where do CertQuestUSA's Life Insurance Producer Practice Test questions come from?

Primarily content.naic.org (87%) and irs.gov (12%) 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 Insurance Producer Practice Test?

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