Tennessee insurance license exam: fees, format and steps.

Exam format

General product knowledge plus Tennessee law, scored together.

• Life, Accident and Health, Property, and Casualty: each outline lists 50 scoreable general questions plus 18 scoreable Tennessee-specific questions, with 5 and 4 pretest questions added.
• Personal Lines: 75 scoreable general plus 25 scoreable Tennessee-specific questions, with 5 and 6 pretest questions.
• Time allotted: 1 hour 45 minutes for Life, Accident and Health, Property and Casualty; 2 hours for Personal Lines; 1 hour for Title and for Public Adjuster.
• Questions are multiple choice and there is no penalty for wrong answers. Pretest questions are unidentified and do not affect your score.

The outline effective October 7, 2026 lists the same question counts as the one effective October 15, 2025.

Fees

$55 per single line at a test center; combinations are priced for online testing.

The handbook's fee table lists $55 for each single-line exam at a test center (Life, Accident & Health, Property, Casualty, Personal Lines and Title; $50 for Public Adjuster). For OnVUE online testing it lists Life and Accident & Health together at $80 and Property and Casualty together at $80, with Title bundles at $125, and each line is limited to one OnVUE attempt, so retakes must be in a test center. Fees are paid by card or voucher when you reserve, are not accepted at the test center, and are nonrefundable except under the 48-hour change rule.

Passing score

A scaled score of 70, not 70% correct.

The department selected 70 as the passing score for reporting. The handbook says the scaled score is neither the number nor the percentage of questions answered correctly. Candidates who pass see a score report that reads pass with no number; candidates who fail receive a numeric score and diagnostic information by area.

Booking and exam day

Reserve at least 24 hours ahead, arrive 30 minutes early, bring two IDs.

• Reserve with Pearson VUE online or at (800) 274-4957 at least 24 hours before the exam. Walk-ins are not available.
• Change or cancel at least 48 hours before the exam or forfeit the fee.
• Report 30 minutes before the exam. Bring a primary government-issued photo ID with signature plus a secondary ID with a signature.
• OnVUE online exams have no unscheduled breaks.

Retakes

Wait 10 days after a first failure, then 30 days after each later one.

Applicants failing an exam for the first time wait 10 days before retaking it; after each subsequent attempt they wait 30 days. Separately, you must wait 24 hours before making a reservation to retake.

After you pass

Fingerprints, then the NIPR application with a $50 filing fee.

Pearson VUE sends your scores to the department. The handbook then lists a fingerprint-based background check scheduled through IdentoGo, and an application with a $50 filing fee submitted through NIPR (you must wait 48 hours after the exam to apply electronically). Paper applications take 15 days from receipt. The handbook's step list contains no prelicensing course. A producer licensed in the same lines in another state may be exempt from prelicensing education and the exam if licensed now or within 90 days of cancelling.

Renewal

24 hours of continuing education every two years, 3 in ethics.

Resident producers must complete at least 24 hours of approved study biennially, including 3 hours of ethics, as a condition of renewal.

FAQ

Quick answers

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