Free Illinois insurance practice test with 20 questions on life and health, property and casualty, and IDOI producer licensing rules. Instant scoring.
These questions are for study practice only and are not official exam questions.
Question 1
1
How often must an Illinois resident producer license be renewed?
Question 2
2
Which agency regulates insurance producer licensing in Illinois?
Question 3
3
In a standard homeowners policy, what does 'dwelling coverage' (Coverage A) protect?
Question 4
4
Since January 17, 2025, how must Illinois insurance producer candidates take their licensing exam?
Question 5
5
An out-of-state licensed producer wants to sell insurance in Illinois without moving. What pathway generally applies?
Question 6
6
What is the 'free look period' in a life insurance policy intended to protect?
Question 7
7
What is the defining feature of term life insurance compared to whole life insurance?
Question 8
8
What is the purpose of an auto insurance liability limit expressed as 100/300/50?
Question 9
9
An insured's home is damaged and the policy pays on an actual cash value basis rather than replacement cost. How does the insurer typically calculate the payout?
Question 10
10
What is the purpose of an insurance policy deductible?
Question 11
11
In a health insurance policy, what does the term 'coinsurance' refer to?
Question 12
12
A life insurance applicant misrepresents their smoking status on the application. The insurer discovers this only after the contestability period has expired and the insured has since died. What generally happens?
Question 13
13
How many hours of prelicensing education are generally required per line of authority for an Illinois insurance producer applicant?
Question 14
14
Which insurance producer license is a distinct, separate line from the standard Life, Accident & Health, Property, and Casualty lines in Illinois?
Question 15
15
A producer holding Life, Accident & Health, and Property lines of authority in Illinois completes 30 hours of continuing education in one renewal term, including 3 ethics hours. How many excess hours may carry over to the next term?
Question 16
16
Can a single Illinois producer license cover multiple lines of authority, such as life and property?
Question 17
17
What does an umbrella liability policy typically provide beyond an underlying homeowners or auto policy?
Question 18
18
Which Illinois statute governs producer licensing and insurance regulation generally?
Question 19
19
What background check requirement applies to Illinois insurance producer applicants during the licensing process?
Question 20
20
In a life insurance policy, who is the 'beneficiary'?
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