Delaware Life & Health
Insurance Exam
Don't leave your insurance license to chance. Study national core concepts and your state's licensing rules for the Life-only, Health-only and Life & Health exam. Same format, same difficulty, same tricky answer choices.
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How to Pass the DE PSI Insurance Licensing Exam
Passing the Delaware Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and Delaware-specific regulations from the Delaware Department of Insurance (DOI). Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations aligned with the PSI exam format.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life & Health insurance license in Delaware must pass this state licensing exam administered by PSI.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Delaware insurance license can be issued.
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Delaware Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Delaware, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Focus on Delaware Insurance Code (Title 18)
Delaware tests Title 18 rules on licensing, producer duties, unfair trade practices, and the Guaranty Association. Pay special attention to DOI-specific rules that differ from other states.
Practice with exam-style questions
The Delaware insurance exam uses scenario-based multiple-choice questions administered by PSI. Practice with realistic questions to build familiarity with the PSI exam format.
Study life and health insurance together
The combined exam covers both lines. Aim for consistently scoring 80% or higher on practice tests before the real exam to ensure a comfortable margin above the 70% pass threshold.
Common Mistakes
Pitfalls to avoid on test day
Delaware replacement regulations
Delaware has specific rules on replacing life insurance, requiring proper notice to the applicant and existing insurers to protect the consumer from unnecessary replacements.
Guaranty Association limits
Many test-takers confuse the Delaware Life & Health Guaranty Association limits: $300,000 death benefit, $100,000 cash surrender, $500,000 major medical, $250,000 annuity present value.
Delaware auto liability minimums
Delaware requires 25/50/10 minimum auto liability limits plus mandatory PIP of $15,000/$30,000. Do not substitute another state's minimums on the exam.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free DE Insurance Exam Practice PDF
Download a comprehensive practice test with 50 insurance questions, including Delaware law topics, with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free DE Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Delaware insurance licensing timelines, grace periods, and exam metrics.
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Your Questions Answered
Quick answers to the most common questions about the Delaware insurance licensing exam
How many questions are on the Delaware insurance exam?
The combined Delaware Life, Accident & Health insurance exam contains 150 questions. You have 2 hours and 30 minutes to complete the exam.
What is the passing score for the Delaware insurance exam?
To pass the Delaware insurance licensing exam, you must achieve a score of 70% or higher (at least 105 correct out of 150 questions).
How much does the Delaware insurance exam cost?
The exam fee is approximately $90, paid directly to PSI Services when you schedule your exam.
How long do I have to complete the Delaware insurance exam?
You have 2 hours and 30 minutes to complete the combined Life and Health exam in Delaware.
What happens if I fail the Delaware insurance exam?
If you fail, you must reschedule and pay the full exam fee for each retake. PSI will provide a diagnostic score report to guide additional study.
Do I need pre-licensing education for a Delaware insurance license?
Delaware does not mandate a specific number of pre-licensing classroom hours before sitting for the exam. However, thorough self-study is strongly recommended to pass the PSI exam.
Who administers the Delaware insurance exam?
The Delaware insurance exams are administered by PSI Services. Exams are available at PSI testing centers and via online remote proctoring.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Delaware Department of Insurance exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life & Health exam — so you practice with questions that closely mirror the actual PSI licensing exam.
General Insurance
165 questions
Life Insurance
315 questions
Health Insurance
314 questions
Annuities
147 questions
DE Law & Ethics
135 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Delaware life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Delaware health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1,050+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Delaware state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
