Passing the Vermont insurance exam requires mastering both general insurance fundamentals and state-specific laws under Title 8 of Vermont Statutes Annotated (8 V.S.A.) and Department of Financial Regulation (DFR) rules. Begin by studying life insurance policies, provisions, riders, health coverages, annuities, and state regulations. Because the examination is administered by Prometric, work through realistic Prometric-formatted practice questions and aim to consistently score 80% or higher on practice exams before booking your test.

The Vermont combined Life, Accident and Health insurance examination administered by Prometric (Series 14-29) contains 150 multiple-choice questions with a 150-minute (2.5 hour) time limit. Candidates testing for single lines can take the Life Insurance exam (Series 14-25, 100 questions, 120 minutes) or the Accident & Health exam (Series 14-26, 100 questions, 120 minutes). To pass any Vermont insurance exam, you must achieve a scaled score of 70% or higher. We recommend achieving 80%+ on full-length mock exams to ensure a comfortable passing cushion on test day.

The exam covers national product principles and Vermont-specific statutes. The life section tests term, whole life, universal life, annuities, policy riders, beneficiary designations, and tax rules. The health section tests major medical, disability income, Medicare supplements, long-term care, and group mandates. The state law portion tests Vermont Department of Financial Regulation authority, producer licensing, continuing education rules (24 hours biennially including 3 hours ethics), 10-day standard free-look periods (30 days for replacement), Guaranty Association caps ($300k life death benefit, $100k cash surrender, $500k basic medical), and unfair trade practices.

The Vermont insurance examination fee is approximately $65 per exam attempt for combined lines (or $50–$52 for single line exams), payable directly to Prometric. Candidates can take the exam in person at Prometric test center locations (such as the Burlington/Williston corridor) or choose Prometric ProProctor live online remote proctoring to test from home or office. To schedule an exam, visit prometric.com/vermont/insurance or call Prometric candidate services at (800) 868-6113.

Vermont does not statutorily require mandatory classroom pre-licensing education hours. However, thorough self-paced study using realistic practice questions is strongly recommended given the technical nature of the test. To obtain an insurance producer license from the Vermont Department of Financial Regulation, candidate requirements include: passing the official Prometric examination, submitting electronic fingerprints via IdentoGO / Vermont Criminal Information Center for a background check, and submitting an electronic license application through the National Insurance Producer Registry (NIPR) along with state licensing fees.

If you do not achieve the 70% passing score on a Vermont Prometric exam, you will receive an immediate diagnostic score report detailing your performance across each content area. You may re-register for the exam through Prometric as soon as results are posted. You must pay the examination fee for each attempt. Use your score report to target weak areas—such as state law or annuity taxation—prior to re-testing.

The Vermont insurance licensing examinations are administered by Prometric on behalf of the Vermont Department of Financial Regulation (DFR) - Insurance Division, headed by the Commissioner of Financial Regulation. For exam registration, scheduling, and test center policies, visit prometric.com/vermont/insurance or call (800) 868-6113. For licensing questions, background checks, or application status, visit dfr.vermont.gov/industry/insurance/producer-and-individual-licensing/apply-and-renew-your-license/producer-license or contact the DFR licensing team in Montpelier at (802) 828-3301.