- The CT-LH exam has 95 items (80 scored, 15 pretest) across 12 content domains in 2 hours 30 minutes.
- Connecticut-specific law makes up 37.5% of scored questions across Domains 10-12.
- The current outline runs through August 31, 2026, and the September 1, 2026 revision keeps the same top-level weights.
- You need 70% to pass, and testing now happens only at Pearson VUE centers since online exams ended August 1, 2025.
Exam Overview: Structure and Scoring
The Connecticut Life & Health Insurance Producer Exam (CT-LH) is a single combined exam covering both life insurance and accident/health insurance content, plus Connecticut-specific statutes and regulations. It's regulated by the Connecticut Insurance Department and administered through Pearson VUE testing centers. The exam costs $105 and consists of 95 multiple-choice questions-80 of which are scored, with 15 unscored pretest items mixed in so you won't know which questions count toward your final score.
You'll have 2 hours and 30 minutes to complete the exam, and you need to answer 70% of scored items correctly to pass. Before you're even eligible to sit for the exam, you must be at least 18 years old, financially responsible, of good moral character, and have completed 40 hours of approved combined prelicensing education (unless you qualify for an exemption). If you're studying the content structure itself, our companion piece on the CT-LH Passing Score breaks down exactly what that 70% threshold means in practice.
Life Insurance Domains (1-4)
The first four domains focus entirely on life insurance products, contract mechanics, and how policies move from application to delivery. These domains draw from the general national outline content that most life-line producer exams share, but you'll still need to connect every concept back to how Connecticut regulates the sale and servicing of these products.
Domain 1: Life - Types of Policies
Covers the fundamental policy categories you'll be selling and servicing as a licensed producer.
- Term life (level, decreasing, increasing, renewable, convertible)
- Whole life variations (straight/ordinary, limited-pay, single premium)
- Universal life, variable life, and variable universal life distinctions
- Group vs. individual life contracts
Domain 2: Life - Policy Riders, Provisions, Options, and Exclusions
Tests your understanding of how base policies get modified and what limits coverage.
- Common riders: waiver of premium, accidental death, guaranteed insurability
- Nonforfeiture options and dividend options
- Standard exclusions (suicide clause, war clause)
- Settlement and payout options
Domain 3: Life - Completing the Application, Underwriting, and Delivering the Policy
Focuses on the producer's real-world workflow, not just theory.
- Application completion requirements and disclosure obligations
- Underwriting classifications and risk factors
- Policy delivery requirements, including free look periods
- Replacement rules when a new policy replaces an existing one
Domain 4: Life - Retirement and Other Insurance Concepts
Bridges life insurance into broader financial and retirement planning territory.
- Annuity structures and their relationship to life products
- Qualified vs. nonqualified retirement plans
- Tax treatment of life insurance proceeds and cash value
Accident and Health Domains (5-9)
These five domains mirror the life-side structure but shift into health, disability, and accident coverage. Many candidates find this half of the exam less intuitive if their background leans toward life sales, so don't shortchange your prep time here just because you're comfortable with life products.
Domain 5: Accident and Health - Types of Policies
Covers the product categories you'll encounter when writing health-related business.
- Disability income insurance (short-term and long-term)
- Medical expense insurance (basic, major medical, comprehensive)
- Long-term care policies
- Group health plans and managed care structures (HMO, PPO)
Domain 6: Accident and Health - Policy Provisions, Clauses, and Riders
Tests the contractual mechanics unique to health coverage.
- Coordination of benefits
- Elimination periods and benefit periods for disability contracts
- Guaranteed renewability and other renewal provisions
- Common riders (waiver of premium, additional monthly benefit)
Domain 7: Accident and Health - Social Insurance
A narrower domain focused on government programs that interact with private coverage.
- Medicare Parts A, B, C, and D basics
- Medicaid eligibility and coordination with private insurance
- Social Security disability benefits
Domain 8: Accident and Health - Other Insurance Concepts
Rounds out foundational concepts that don't fit neatly into policy types or provisions.
- Taxation of health insurance benefits and premiums
- Individual vs. group underwriting philosophy
- Consumer-driven health plans and HSAs
Domain 9: Accident and Health - Field Underwriting Procedures
Focuses on the producer's responsibilities when actually selling health products.
- Application completion and required disclosures
- Producer's role in the underwriting process
- Replacement and conversion rules for health contracts
Connecticut State Law Domains (10-12)
This is where the CT-LH exam becomes distinctly Connecticut. Domains 10 through 12 test state-specific statutes, and because these questions are drawn from Connecticut's own regulatory framework rather than a generic national outline, generic study materials from other states won't help you here.
Domain 10: CT Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
Covers the broad regulatory rules that apply across every line of insurance in Connecticut, not just life and health.
- Licensing requirements, renewal cycles, and continuing education mandates
- Producer conduct standards and grounds for license discipline
- Unfair trade practices and unfair claims settlement practices
- Insurance Department authority and complaint procedures
Domain 11: State Statutes, Rules, and Regulations Pertinent to Life Insurance Only
Narrows in on Connecticut-specific rules that apply exclusively to life products.
- State-specific free look and replacement requirements
- Connecticut life settlement regulations
- State variations on beneficiary designation rules
Domain 12: State Statutes, Rules, and Regulations Pertinent to Accident and Health Insurance Only
Mirrors Domain 11 but for health-specific state law.
- Connecticut mandated health benefits
- State continuation and conversion rights
- Connecticut-specific long-term care partnership provisions
Key Takeaway
Domains 10-12 aren't a footnote - they're roughly a third of your scored content. Treat Connecticut statute review as a core study block, not a last-minute skim the night before your test.
How the 12 Domains Are Weighted
Connecticut combines two blueprint sources to build the CT-LH scoring structure: the general-section proportions that cover Domains 1-9, and the state-section scored-item counts that cover Domains 10-12. The headline number to remember is that Connecticut-specific law represents 37.5% of scored questions - meaning more than a third of your scored exam is dedicated to state statutes rather than general life and health product knowledge.
The current outline took effect October 27, 2025, and remains in force through August 31, 2026. A revised outline goes into effect September 1, 2026, but it keeps the same top-level domain weights, so candidates studying now shouldn't expect a structural shake-up later in the year.
| Domain Group | Domains Included | Approximate Focus |
|---|---|---|
| Life Insurance | 1-4 | Policy types, riders/provisions, underwriting/delivery, retirement concepts |
| Accident & Health | 5-9 | Policy types, provisions, social insurance, other concepts, field underwriting |
| Connecticut State Law | 10-12 | 37.5% of scored questions total |
If you want a deeper dive into how difficult this weighting makes the exam relative to other state licensing tests, see our breakdown in How Hard Is the CT-LH Exam?. And if you're still verifying pass/fail statistics before you commit study hours, check CT-LH Pass Rate 2026: What the Data Shows.
Mapping a Study Schedule to the Domains
Rather than studying domains in numerical order, it often makes more sense to group by content family first, then finish with a dedicated statute review pass - since Domains 10-12 carry disproportionate scoring weight relative to their count.
Life Insurance Foundations
- Work through Domains 1-2: policy types, riders, and exclusions
- Build flashcards for policy classifications and rider names
Life Application & Retirement Concepts
- Cover Domains 3-4: underwriting workflow, delivery, annuities, tax treatment
Accident & Health Core
- Work through Domains 5-7: policy types, provisions, social insurance (Medicare/Medicaid)
A&H Field Concepts + Connecticut Statutes
- Finish Domains 8-9, then spend the bulk of remaining time on Domains 10-12
- Run full-length practice exams under timed conditions
For a more detailed week-by-week methodology and how to allocate review time between general concepts and state statutes, see the CT-LH Study Guide 2026: How to Pass on Your First Attempt. Running timed practice sets on our practice test platform before test day is one of the most reliable ways to confirm you can finish all 95 questions within the 2 hour 30 minute window.
Registration, Retakes, and Score Validity
Registering for the CT-LH exam means scheduling through Pearson VUE and paying the $105 exam fee. Since Connecticut ended online exam delivery on August 1, 2025, every seat is booked at a physical Pearson VUE test center - there's no remote-proctoring option anymore. Spanish-language candidates retain the ability to toggle between Spanish and English during their session.
A few procedural details matter once you're past the studying phase:
- Your exam results remain valid for one year after you pass.
- If you don't pass, you must wait 24 hours before scheduling a retake.
- Fingerprints are not required as part of the CT-LH exam process.
- Once licensed, individual producer licenses renew every other year on the last day of your birth month, requiring 24 continuing education credits - 21 general credits plus 3 in laws, regulations, or ethics.
For a complete rundown of eligibility rules, prelicensing hour requirements, and who qualifies for exemptions, review CT-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify. If cost planning is a bigger concern than content right now, our CT-LH Certification Cost 2026 guide lays out the full fee picture, and scheduling logistics are covered in CT-LH Exam Dates 2026.
Key Takeaway
Passing isn't just about knowing life and health products generally - it's about knowing how Connecticut regulates them specifically. Domains 10-12 deserve dedicated, not incidental, study time.
Frequently Asked Questions
There are 12 total content domains: four covering life insurance, five covering accident and health insurance, and three covering Connecticut-specific statutes and regulations.
Connecticut-specific law (Domains 10-12) accounts for 37.5% of scored questions, making the state-law domains disproportionately important relative to their count of three out of twelve.
No. The exam includes 95 multiple-choice items, but only 80 are scored. The remaining 15 are unscored pretest questions mixed in throughout the exam.
The outline effective October 27, 2025 runs through August 31, 2026. A revised outline takes effect September 1, 2026, but it keeps the same top-level domain weights as the current version.
All CT-LH exams are administered in person at Pearson VUE test centers, since Connecticut discontinued online insurance exam delivery on August 1, 2025.
Understanding all 12 domains is only the first step. Pairing that structural knowledge with realistic timed practice, a clear grasp of the passing threshold, and a study plan that respects the weight of Connecticut's state-law domains is what actually turns exam-day nerves into a pass. If you're weighing whether pursuing this license fits your career plans, our ROI analysis and salary guide can help you decide before you commit to your first prelicensing hour.