Delaware Insurance Exam Cheat Sheet
Unlock the official Delaware Life & Health exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Delaware practice questions to test your knowledge.
What's Covered on the Delaware Life & Health Exam
Key exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 31 Days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Delaware Life, Accident & Health insurance exam on my first try?
To pass the Delaware Life & Health licensing exam on your first attempt, follow a structured preparation strategy: First, systematically study core policy forms — term, whole, and universal life; major medical; disability income; Medicare supplement; and annuities. Second, master Delaware-specific statutes under Title 18, including DOI Commissioner powers (elected 4-year term), producer licensing, 30-day replacement free-look periods, 24-hour CE rules (3 ethics), and Guaranty Association coverage caps. Third, practice with at least 300+ scenario-based questions and timed mock exams until you consistently score 80% or higher, giving you a comfortable safety margin above Delaware's 70% passing threshold.
Q:How many questions are on the Delaware Life & Health exam and what is the passing score?
The combined Delaware Life, Accident & Health insurance producer examination administered by PSI contains 150 multiple-choice questions with a 2-hour and 30-minute (150 minutes) time limit. To pass, you must achieve a scaled score of at least 70%, which corresponds to answering at least 105 out of 150 questions correctly. Single-line Life-Only and Accident/Health-Only exams are also available for candidates pursuing single-line licensing.
Q:What topics are covered on the Delaware Life, Accident & Health insurance exam?
The examination covers national insurance principles and Delaware state-specific statutes. National content includes basic contract law, term and permanent life products, riders, settlement options, group plans, individual and group health coverages, disability income, Medicare supplements, LTC, and annuities. State-specific content tests Title 18, including the Insurance Commissioner's regulatory authority, producer licensing rules, fiduciary handling of premium funds, unfair trade practices (twisting, rebating, defamation), replacement mandates, and the Delaware Life and Health Insurance Guaranty Association.
Q:How much does the Delaware insurance exam cost and where can I take it?
The Delaware insurance examination fee is $90 per attempt, payable directly to Pearson VUE when scheduling. The examination is administered at authorized Pearson VUE test centers in Delaware (including Dover, Wilmington, Newark, and Georgetown) as well as via remotely proctored online testing through Pearson VUE OnVUE. You can register and schedule online through the Pearson VUE Delaware Insurance Portal (home.pearsonvue.com/de/insurance). On exam day, you must present valid, non-expired government-issued photo ID.
Q:What are the licensing steps and pre-licensing education requirements in Delaware?
Delaware does not mandate classroom pre-licensing education hours by statute (self-study is permitted). To obtain a resident producer license, you must: (1) be at least 18 years of age and a Delaware resident, (2) pass the PSI licensing examination with a score of 70% or higher, (3) submit digital fingerprints for state and FBI criminal history checks through IdentoGO ($52 fee), and (4) submit your official resident producer application electronically via NIPR (nipr.com) with the state licensing fee of $100.
Q:What is the retake policy and continuing education requirement in Delaware?
If you do not pass the Delaware insurance examination, PSI will provide an immediate diagnostic score report breaking down your performance percentage by section. There is no statutory waiting period for early retakes in Delaware; you can reschedule through PSI as soon as test appointments are available. The full $90 examination fee applies for each attempt. Once licensed, Delaware resident producers must complete 24 hours of approved Continuing Education (CE) every two years, including at least 3 hours in approved Insurance Ethics.