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
Which agency regulates insurance producer licensing in Illinois?
Question 2
2
How many hours of prelicensing education are generally required per line of authority for an Illinois insurance producer applicant?
Question 3
3
Since January 17, 2025, how must Illinois insurance producer candidates take their licensing exam?
Question 4
4
How often must an Illinois resident producer license be renewed?
Question 5
5
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 6
6
Which Illinois statute governs producer licensing and insurance regulation generally?
Question 7
7
What background check requirement applies to Illinois insurance producer applicants during the licensing process?
Question 8
8
Can a single Illinois producer license cover multiple lines of authority, such as life and property?
Question 9
9
What is the defining feature of term life insurance compared to whole life insurance?
Question 10
10
In a health insurance policy, what does the term 'coinsurance' refer to?
Question 11
11
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 12
12
In a standard homeowners policy, what does 'dwelling coverage' (Coverage A) protect?
Question 13
13
What is the purpose of an auto insurance liability limit expressed as 100/300/50?
Question 14
14
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 15
15
An out-of-state licensed producer wants to sell insurance in Illinois without moving. What pathway generally applies?
Question 16
16
What is the 'free look period' in a life insurance policy intended to protect?
Question 17
17
What is the purpose of an insurance policy deductible?
Question 18
18
Which insurance producer license is a distinct, separate line from the standard Life, Accident & Health, Property, and Casualty lines in Illinois?
Question 19
19
In a life insurance policy, who is the 'beneficiary'?
Question 20
20
What does an umbrella liability policy typically provide beyond an underlying homeowners or auto policy?
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