CT L&H
Connecticut Life & Health Insurance License Exam
Connecticut regulates Life & Health producer licensing through Connecticut Insurance Department (CID), with the exam delivered by Pearson VUE. The combined Life & Health exam has a 2.5 hours for the combined Life, Accident & Health or Sickness Producer exam (code 12-CT-03); Life-only (12-CT-01) and A&H-or-Sickness-only (12-CT-02) are each 2 hours time limit. Passing requires 70% (80% for Surety Bail Bonds). The exam fee is $105 combined Life/A&H/Sickness Producer exam; $65 each for Life-only or A&H-or-Sickness-only. Connecticut requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Connecticut, covering national concepts plus Connecticut statute, producer duties, and ethics.
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CT L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Connecticut Life & Health Insurance License Exam |
| Governing Body | Connecticut Insurance Department (CID) |
| Time Limit | 2.5 hours for the combined Life, Accident & Health or Sickness Producer exam (code 12-CT-03); Life-only (12-CT-01) and A&H-or-Sickness-only (12-CT-02) are each 2 hours |
| Passing Score | 70% (80% for Surety Bail Bonds) |
| Exam Fee | $105 combined Life/A&H/Sickness Producer exam; $65 each for Life-only or A&H-or-Sickness-only |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Connecticut Insurance Department (CID) official website ↗ |
CT L&H Content Areas and Domains
Domain areas are sourced from the Connecticut Insurance Department (CID) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Connecticut insurance law and regulations
How C3RT Helps You Pass the CT L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the CT L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real CT L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample CT L&H Practice Questions
Q1.In the state of Connecticut, which of the following is specifically excluded from the definition of 'other valid coverage' for disability income insurance?
- Group insurance plansCorrect
- Individual policies issued by a licensed carrier
- Social Security disability benefits
- Workers' compensation payments
Connecticut law explicitly states that 'other valid coverage' shall not include group insurance, union welfare plans, or employer/employee benefit organizations. The other options are either included in the definition or are not the specific exclusions mentioned in the statute.
Q2.Under Connecticut state regulations regarding disability income insurance, which of the following is true concerning third-party liability coverage and benefit offsets?
- It must be included as 'other valid coverage' when calculating offsets.
- Only government plans are considered valid coverage for offset purposes.
- No third-party liability coverage shall be included as 'other valid coverage'.Correct
- Third-party liability is only included if the claimant waives their right to it.
Connecticut law specifically prohibits third-party liability coverage from being classified as 'other valid coverage' for benefit offsets. The other options incorrectly suggest that liability or government plans are included, which contradicts state-specific rules.
Q3.In the state of Connecticut, which of the following is prohibited regarding group health insurance policies that provide disability income protection coverage?
- Allowed for group plans only if the policy is filed with the Department of Insurance.
- The inclusion of an 'offset proviso' allowing the insurer to reduce liability due to cost of living increases in other benefits.Correct
- Allowed if disclosed clearly in the summary plan description.
- Required for all policies to ensure the insurer can adjust for inflation.
Connecticut law specifically prohibits 'offset provisos' that reduce disability liability based on cost of living increases. The other options are incorrect because the prohibition applies regardless of disclosure or plan type.
CT L&H Frequently Asked Questions
What does CT L&H stand for?
CT L&H stands for Connecticut Life & Health Insurance License Exam. It is administered by Connecticut Insurance Department (CID).
Who administers the CT L&H?
The Connecticut Life & Health Insurance License Exam (CT L&H) is administered by Connecticut Insurance Department (CID). For official information, visit the Connecticut Insurance Department (CID) website.
What is the passing score for the CT L&H?
The passing score for the CT L&H is 70% (80% for Surety Bail Bonds), as set by Connecticut Insurance Department (CID). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the CT L&H exam cost?
The CT L&H exam fee is $105 combined Life/A&H/Sickness Producer exam; $65 each for Life-only or A&H-or-Sickness-only. This fee is set by Connecticut Insurance Department (CID) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Connecticut Life & Health exam?
The Connecticut combined Life & Health exam has a 2.5 hours for the combined Life, Accident & Health or Sickness Producer exam (code 12-CT-03); Life-only (12-CT-01) and A&H-or-Sickness-only (12-CT-02) are each 2 hours time limit, a $105 combined Life/A&H/Sickness Producer exam; $65 each for Life-only or A&H-or-Sickness-only exam fee. Passing requires 70% (80% for Surety Bail Bonds). It is delivered by Pearson VUE.
Does Connecticut require prelicensing education for Life & Health?
Yes. Connecticut requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a Connecticut-approved provider.
What score do I need to pass the Connecticut Life & Health exam?
Connecticut requires 70% (80% for Surety Bail Bonds) on the Life & Health exam. Confirm the current standard with Connecticut Insurance Department (CID), since passing standards can change.
Is the Life & Health exam different in Connecticut than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Connecticut tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Connecticut Insurance Department (CID).
C3RT is a native iOS and macOS exam preparation platform covering the Connecticut Life & Health Insurance License Exam (CT L&H), a Insurance Licensing certification, administered by Connecticut Insurance Department (CID). C3RT is not affiliated with or endorsed by Connecticut Insurance Department (CID). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Connecticut Insurance Department (CID) official website ↗ .