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Colorado life and health practice exam

Free life and health practice for the Colorado producer exam: 273 general questions plus 12 Colorado state law questions, each with an explanation.

Colorado state law questions

Every Colorado question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Colorado insurance department and your exam's content outline.

Licensing and CE

6 questions

1. How many CE credit hours must a Colorado insurance producer complete biennially?

  1. 30 hours, including 3 hours of ethics
  2. 24 hours, with no ethics requirement
  3. 16 hours, including 3 hours of ethics
  4. 24 hours, including at least 3 hours of ethics
Show answer
D. 24 hours, including at least 3 hours of ethics
Colorado Regulation 1-2-04.
Source: Colorado Division of Insurance Regulation 1-2-04 (Continuing education)

2. Of a Colorado producer's 24 CE hours, at least how many must be in courses for the type of license held?

  1. 24
  2. 18
  3. 6
  4. 12
Show answer

3. How many carryover CE hours may a Colorado producer bank toward the next period?

  1. Unlimited hours from any time
  2. None
  3. No more than 12, earned during the 120 days before the license continuation date
  4. No more than 6, from any time
Show answer
C. No more than 12, earned during the 120 days before the license continuation date
Colorado Regulation 1-2-04.
Source: Colorado Division of Insurance Regulation 1-2-04 (Continuing education)

4. A Colorado producer must report an administrative action taken in another jurisdiction within:

  1. 30 days after the final disposition
  2. 60 days after the final disposition
  3. The next license renewal
  4. 10 days after the action
Show answer
A. 30 days after the final disposition
C.R.S. 10-2-801.
Source: C.R.S. 10-2-801 (Producer licenses, reporting actions)

5. A Colorado producer facing a criminal prosecution must report it within:

  1. 60 days after a conviction
  2. The next license renewal
  3. 30 days after the initial pretrial hearing date
  4. 10 days after arrest
Show answer
C. 30 days after the initial pretrial hearing date
C.R.S. 10-2-801.
Source: C.R.S. 10-2-801 (Producer licenses, reporting actions)

6. Under C.R.S. 10-2-804, the Colorado Commissioner may impose a civil penalty for each violation of up to:

  1. $1,000
  2. $25,000
  3. $10,000
  4. $3,000
Show answer

Life Policy Provisions

3 questions

1. Colorado requires a life insurance grace period of:

  1. 10 days
  2. One month, not less than 30 days
  3. 60 days
  4. 31 days
Show answer
B. One month, not less than 30 days
C.R.S. 10-7-102.
Source: C.R.S. 10-7-102 (Required life policy provisions)

2. In Colorado, a life policy becomes incontestable after it has been in force during the insured's lifetime for:

  1. 2 years from its date
  2. 3 years from its date
  3. 1 year from its date
  4. 5 years from its date
Show answer
A. 2 years from its date
C.R.S. 10-7-102.
Source: C.R.S. 10-7-102 (Required life policy provisions)

3. In Colorado, suicide is NOT a defense against paying a life insurance claim once the policy has been in force for more than:

  1. 2 policy years
  2. 3 policy years
  3. 6 months
  4. The first policy year
Show answer
D. The first policy year
C.R.S. 10-7-109. Colorado's 1-year rule is shorter than the 2-year exclusion most states allow.
Source: C.R.S. 10-7-109 (Suicide no defense after first year)

Guaranty Association

3 questions

1. Colorado's guaranty association is officially called the:

  1. Life and Health Insurance Protection Association
  2. Insurance Security Fund
  3. Life and Health Insurance Guaranty Fund
  4. Policyholder Protection Corporation
Show answer
A. Life and Health Insurance Protection Association
Colorado uses "Protection Association" in the name.
Source: Colorado Life and Health Insurance Protection Association notice (Anthem)

2. The Colorado Life and Health Insurance Protection Association covers annuity withdrawal and cash values up to:

  1. $100,000
  2. $300,000
  3. $250,000
  4. $500,000
Show answer
C. $250,000
Life death benefits are covered to $300,000, with up to $100,000 in cash values.
Source: Colorado Life and Health Insurance Protection Association notice (Anthem)

3. The Colorado protection association covers hospital, medical, and surgical insurance benefits up to:

  1. $250,000
  2. $500,000
  3. $300,000
  4. $100,000
Show answer
B. $500,000
Disability and LTC are covered to $300,000, and other health benefits to $100,000.
Source: Colorado Life and Health Insurance Protection Association notice (Anthem)

Keep studying

The general topics make up most of the exam.

General ConceptsLifePolicy TypesLifeProvisions, Options, and RidersLifeUnderwriting and DeliveryLifeAnnuitiesLifeTaxes, Retirement, and Business UsesLifeInsurance BasicsLifePlan Types and BasicsHealthUniform Mandatory ProvisionsHealthOptional ProvisionsHealthRenewabilityHealthDisability IncomeHealthMedical Expense and ContinuationHealthGroup Insurance and AD&DHealthMedicare, Medicaid, and LTCHealthFederal Health LawsHealth

Colorado exam questions

How much of the Colorado life and health exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Colorado candidate handbook from your testing provider for the exact content outline.

What does the Colorado state law section cover?

Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, life policy provisions, guaranty association.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Colorado state law questions.