State RegulationsCO specificDifficulty 3/5
A Colorado prelicensing school administers the required course final to a life applicant. Under Reg. 1-2-5, how must the final exam be conducted and scored, and how does that standard differ from the state examination?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Reg. 1-2-5 §6(B) requires the prelicensing course final to be closed-book, with a 70% passing score, monitored by a disinterested third party or a qualified instructor. The 70% standard belongs to the COURSE only: the Colorado state examination uses a scaled score set by the Division of Insurance with no published passing percentage, so applicants should not assume 70% passes the exam. This distinction is why a student who barely clears the course final still must prepare for a separately scored state exam.
Why the other options are wrong
- A) The final is closed-book, and the monitor must be disinterested or a qualified instructor — the school's owner is not a disinterested party.
- C) The course final is closed-book, and the Division does not publish a passing percentage for the state examination that would carry over to the course.
- D) The passing score is 70%, and no heightened 100% standard applies to multiple-line applicants.
Memory hook
Course final: closed book, 70%, neutral watcher — the state exam has no published pass mark.