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Tennessee Life & Health Insurance Practice Test
Practice with 2,180 national questions and 225 Tennessee-specific questions. Every question is free to answer and includes a full explanation.
Combine Tennessee law practice with national questions on policies, coverage and benefits. Use your missed answers to decide which topic to review next, rather than treating a short set as an exam forecast.
Try a free 10-question Tennessee practice set
National concepts and Tennessee rules, with explanations after each answer. No signup or timer.
Review Tennessee practice questions
Read the reasoning behind each answer, then try the practice set above.
A Tennessee producer presents an illustration to a life insurance applicant. What duty does the producer have with respect to that presentation under Tenn. Comp. R. & Regs. 0780-1-40?
Answer: C. Sign a statement that the illustration was presented as approved and contains no untrue statements
Why C is correct
Tenn. Comp. R. & Regs. 0780-1-40 requires the producer to sign a statement that the illustration was presented in accordance with the rule, contains no untrue statements, and is unchanged since the applicant signed it. The producer's signature creates personal accountability for honest presentation, which the Tennessee Department of Commerce & Insurance can police in disciplinary proceedings.
Why the other options are wrong
- A) Guaranteeing nonguaranteed values directly contradicts the rule's core prohibition on presenting projections as promises.
- B) Illustrations do not require advance approval from the Commissioner; the rule works through signed statements, not pre-approval.
- D) The rule contemplates the applicant receiving the illustration; withholding the only copy would violate the disclosure scheme.
Memory hook
Producer signs the honesty pledge: presented as approved, nothing untrue, nothing altered.
Which of the following transactions is exempt from Tennessee's life replacement requirements under Tenn. Comp. R. & Regs. 0780-1-24?
Answer: C. A credit life insurance transaction tied to a specific debt
Why C is correct
Tenn. Comp. R. & Regs. 0780-1-24 exempts certain transactions from the replacement requirements, including credit life insurance, where coverage is tied to a specific debt and the displacement concerns the rule targets do not arise. The Tennessee Department of Commerce & Insurance keeps the replacement machinery focused on transactions in which policyowners might be induced to displace sound personal coverage.
Why the other options are wrong
- A) Using whole life values to fund a new universal life policy is the core displacement the rule governs.
- B) Converting to reduced paid-up status while buying new coverage is expressly within the replacement definition.
- D) Term-for-term replacement across insurers is a classic replacement scenario subject to the rule.
Memory hook
Credit life sits outside: the debt ends and the coverage ends — no displacement game.
A manufacturer employs a full-time, salaried benefits counselor who explains the company's own employee benefit program to employees and their dependents and receives no commission or per-enrollment compensation. Under Tennessee law, does this counselor need an insurance producer license?
Answer: D. No, because salaried counseling on an employer's own employee benefit program is exempt from licensing
Why D is correct
T.C.A. § 56-6-104 exempts a salaried, full-time employee who counsels or explains the employer's own employee benefit program, provided the employee receives no commission or similar transaction-based compensation. Because the counselor neither solicits for reward nor sells on an insurer's behalf, Tennessee does not treat the activity as transacting insurance requiring a producer license.
Why the other options are wrong
- A) Explaining an employer's own benefit program without transaction-based compensation is not solicitation, so no license is triggered.
- B) This is not a limited-lines situation; the activity falls outside the licensing requirement altogether under T.C.A. § 56-6-104.
- C) Tennessee does not require the employer to register the counseling program; the statutory exemption applies on its own terms.
Memory hook
Salaried, own employer's benefits, no commission — exempt without a license.
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Use our state guide for exam formats, fees, registration, pre-licensing requirements and official sources. Guide facts last verified: 2026-09-02.
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