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Tennessee · State licensing

Pass the Tennessee Life & Health insurance license exam.

Tennessee uses Pearson VUE, sets 70 percent as the passing score, charges a 50 dollar resident producer application fee, and prices the combined Life and Accident and Health exam at 80 dollars.

Quick answer: The Tennessee Life & Health insurance license exam is administered by Pearson VUE as a 136-question combined exam with a 210-minute limit, and you need 70% to pass. Tennessee requires 40 hours of pre-licensing education before you can sit. The exam fee is $80 per attempt.

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Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$50
Exam fee
$80 per attempt
Combined exam length
136 Q · 210 min

Source: www.tn.gov. Confirm before you register. State schedules change.

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What's on the Tennessee L&H exam.

The Tennessee L&H exam is administered by Pearson VUE after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 136 questions with a 210-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Tennessee.

Plan for roughly $170–$205 in mandatory Tennessee state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$50
Exam fee
$80 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $80 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Tennessee exam FAQ.

What is the Tennessee resident insurance producer application fee?
The Tennessee resident producer license application filing fee is 50 dollars.
How much is the Tennessee combined life and health exam?
Taking Life and Accident and Health together costs 80 dollars, versus 55 dollars for each single-line exam.
What passing score does Tennessee require?
Tennessee uses 70 percent as the passing score for its insurance licensing exams.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.