- The CT-LH exam has 95 questions (80 scored, 15 pretest) with 2 hours 30 minutes and a 70% passing score.
- Connecticut-specific law makes up 37.5% of scored questions - the single biggest scoring category.
- Testing moved fully to Pearson VUE centers after Connecticut ended online exams on August 1, 2025.
- 40 hours of approved combined prelicensing education is required unless you qualify for an exemption.
What the CT-LH Exam Actually Tests
The Connecticut Life & Health Insurance Producer Exam (CT-LH) is the state licensing test administered through Pearson VUE under the authority of the Connecticut Insurance Department. It is not a niche certification tucked inside a broader curriculum - it is the combined Life, Accident and Health or Sickness Producer exam that every prospective agent in Connecticut must pass before selling life insurance, annuities, health coverage, or disability products in the state.
Unlike open-book professional certifications, the CT-LH is a closed-book, timed, multiple-choice exam built from a fixed content outline. If you're still figuring out exactly what this credential covers before diving into study materials, our overview on what is CT-LH and the plain-language breakdown of CT-LH meaning are good starting points.
Registration, Fees, and Testing Logistics
Before you can sit for the exam, you need to meet Connecticut's baseline eligibility criteria: you must be at least 18 years old, financially responsible, and of good moral character. Most candidates also need to complete 40 hours of approved combined prelicensing education unless they qualify for a specific exemption. For a full breakdown of who qualifies and what documentation is needed, see CT-LH Requirements 2026.
- Exam fee: $105 for the combined Life, Accident and Health or Sickness Producer exam.
- Testing location: Pearson VUE test centers only - Connecticut discontinued online insurance exam delivery on August 1, 2025.
- Language options: Spanish-speaking candidates may switch between Spanish and English during the test session.
- Fingerprints: Not required for this exam.
- Score validity: Passing results remain valid for one year, giving you a window to complete licensing paperwork.
- Retake wait time: Only 24 hours between attempts if you don't pass on the first try.
For the complete cost picture - including prelicensing course fees and what to budget beyond the $105 exam fee - check CT-LH Certification Cost 2026. If you need to plan around specific testing windows or upcoming outline changes, CT-LH Exam Dates 2026 lays out the current schedule.
Key Takeaway
Because Connecticut no longer offers online proctoring, schedule your Pearson VUE appointment early - test center availability can tighten near month-end deadlines tied to license renewal cycles.
The 12 CT-LH Domains, Ranked by Weight
The CT-LH exam blueprint splits content across twelve domains covering life insurance, accident and health insurance, and Connecticut-specific statutes. The outline issued October 27, 2025 remains effective through August 31, 2026, and the September 1, 2026 revision keeps the same top-level weights, so the structure below is stable for anyone testing across that transition. For a deeper walkthrough of each domain with sample topics, read CT-LH Exam Domains 2026: Complete Guide to All 12 Content Areas.
Domain 1: Life - Types of Policies
Covers term, whole life, universal life, and variable products. Know how each policy structure differs in cash value accumulation and premium flexibility.
- Distinguish level vs. increasing/decreasing term
- Understand adjustable and variable universal life mechanics
Domain 2: Life - Policy Riders, Provisions, Options, and Exclusions
Tests your ability to identify what riders add, what standard provisions require, and what circumstances void coverage.
- Waiver of premium, accidental death, guaranteed insurability riders
- Suicide clause and misstatement of age provisions
Domain 3: Life - Completing the Application, Underwriting, and Delivering the Policy
Focuses on the producer's procedural responsibilities from application intake through policy delivery.
- Field underwriting duties and disclosure requirements
- Free-look period and delivery receipt rules
Domain 4: Life - Retirement and Other Insurance Concepts
Annuities, qualified plans, and how life insurance intersects with retirement income planning.
- Annuity payout options and surrender charges
- Tax treatment differences between qualified and nonqualified plans
Domain 5: Accident and Health - Types of Policies
Group vs. individual health plans, disability income, long-term care, and specialty health products.
- HMO, PPO, and indemnity plan differences
- Long-term care elimination periods
Domain 6: Accident and Health - Policy Provisions, Clauses, and Riders
Mandatory provisions and optional riders unique to health contracts.
- Guaranteed renewability vs. cancellable contracts
- Coordination of benefits clauses
Domain 7: Accident and Health - Social Insurance
Medicare, Medicaid, and Social Security disability interplay with private health coverage.
- Medicare Parts A, B, C, D distinctions
- Medicaid eligibility basics
Domain 8: Accident and Health - Other Insurance Concepts
Underwriting classifications and risk concepts specific to health coverage.
- Pre-existing condition limitations
- Rate classification categories
Domain 9: Accident and Health - Field Underwriting Procedures
Producer-level responsibilities when submitting health applications.
- Replacement notice requirements
- Application accuracy and agent liability
Domain 10: CT Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
General licensing law that applies across all lines the Connecticut Insurance Department regulates.
- Producer licensing and renewal statutes
- Unfair trade practices and penalties
Domain 11: State Statutes, Rules, and Regulations Pertinent to Life Insurance Only
Connecticut-specific law governing life policy sales, replacement, and disclosure.
- Life insurance replacement regulations
- Beneficiary designation statutes
Domain 12: State Statutes, Rules, and Regulations Pertinent to Accident and Health Insurance Only
Connecticut statutes unique to health insurance sales and administration.
- Small group health mandates
- Continuation and conversion rights
Why Connecticut Law Decides the Exam
Here's the detail that separates the CT-LH from a generic multi-state insurance exam: Connecticut-specific law represents 37.5% of scored questions. That figure comes from combining the official general-section blueprint proportions with the state-section scored-item counts across Domains 10, 11, and 12. No other single content area - not life policy types, not health provisions - approaches that share of the scored exam.
Practically, this means a candidate who masters general life and health insurance theory but skims Connecticut statute material is taking on unnecessary risk. If you're weighing how tough this exam really is relative to the effort required, How Hard Is the CT-LH Exam? Complete Difficulty Guide 2026 walks through the difficulty factors in more depth, and CT-LH Passing Score 2026 explains exactly how the 70% threshold is calculated against the 80 scored items.
| Content Grouping | Domains Included | Scored Weight |
|---|---|---|
| Life Insurance (general) | Domains 1-4 | Part of general-section weighting |
| Accident & Health (general) | Domains 5-9 | Part of general-section weighting |
| Connecticut Statutes & Regulations | Domains 10-12 | 37.5% of scored questions |
A Domain-Sequenced Study Timeline
Generic study techniques like spaced repetition and timed practice blocks only help if you're applying them to the right content in the right order. Below is a sequencing approach built around the CT-LH's own domain weighting rather than a one-size-fits-all template.
Life Fundamentals (Domains 1-4)
- Build flashcards for policy types, riders, and underwriting terminology
- Practice application/delivery scenario questions
Accident & Health Fundamentals (Domains 5-9)
- Compare group vs. individual plan structures
- Drill Medicare/Medicaid distinctions in Domain 7
Connecticut Statutes (Domains 10-12) - Heaviest Focus
- Spend disproportionate time here given the 37.5% weight
- Cross-reference general concepts with CT-specific statute variations
Full-Length Practice and Gap Review
- Run timed 95-question simulations under the 2.5-hour limit
- Revisit missed items, prioritizing Domain 10-12 misses first
For a condensed, night-before reference that consolidates the highest-yield facts across all 12 domains, keep the CT-LH Cheat Sheet 2026 on hand. And once you've built a study rhythm, our full-length practice tests mirror the 95-question, 150-minute format so timing pressure isn't a surprise on exam day.
Mistakes That Sink First-Time Candidates
- Treating pretest items as noise: You can't tell which 15 of the 95 questions are unscored pretest items, so under-preparing for "extra" questions can cost focus on ones that actually count toward your 70%.
- Underweighting Domains 10-12: Spending equal time across all 12 domains ignores that Connecticut statute content alone drives 37.5% of your score.
- Assuming online testing is available: Since Connecticut ended online insurance exams on August 1, 2025, showing up expecting a remote option isn't possible - you must book a Pearson VUE center appointment.
- Skipping prelicensing hours: The 40-hour combined prelicensing education requirement isn't optional for most applicants, and skipping ahead to the exam without completing it (absent an exemption) will delay your eligibility.
- Retesting too quickly without a review plan: The 24-hour retake wait is short, but resitting without targeted review of your weakest domain wastes the fee and the attempt.
Key Takeaway
If you fail on the first attempt, use the mandatory 24-hour wait to isolate which domains dragged your score down - don't just retake blind.
After You Pass: Licensing and Career Path
Passing the CT-LH is the gateway step, not the finish line. Once licensed, individual producer licenses in Connecticut renew every other year on the last day of your birth month, and maintaining the license requires 24 continuing education credits per cycle - 21 general credits plus 3 credits specifically in laws, regulations, or ethics. Building CE planning into your calendar early avoids a scramble near renewal.
From a career standpoint, licensed CT-LH holders typically go on to work with independent agencies, captive carriers, or brokerage firms selling life, annuity, and health products across Connecticut. If you're evaluating whether the licensing effort translates into real opportunity, Is the CT-LH Certification Worth It? Complete ROI Analysis 2026 and CT-LH Salary Guide 2026 dig into the earnings and career-path angle, while CT-LH Jobs surveys the kinds of roles that require this license. For readers still comparing this credential against other paths, What Is A CT-LH? and What Does CT-LH Stand For? offer additional context on scope and terminology.
Before scheduling your appointment, it's worth reviewing how the exam's difficulty compares to what candidates report elsewhere - see CT-LH Pass Rate 2026: What the Data Shows for the data-driven view, and revisit this study guide as your anchor reference throughout prep. When you're ready to test your readiness under real exam conditions, our practice exams are built around the same 12-domain structure and Connecticut statute emphasis covered here.
Frequently Asked Questions
The exam has 95 total multiple-choice questions: 80 are scored and 15 are unscored pretest items. You won't know which is which, so answer every question carefully.
No. Connecticut ended online insurance licensing exams on August 1, 2025. All testing now happens at Pearson VUE test centers.
You need 70% on the scored portion. You're given 2 hours and 30 minutes to complete all 95 questions.
Connecticut-specific statutes and regulations (Domains 10-12) account for 37.5% of scored questions, reflecting the exam's combined weighting of general blueprint proportions and state-section scored item counts. It's the largest single content grouping on the test.
Retakes require only a 24-hour waiting period. Once you pass, your score is valid for one year, giving you time to finish license application steps.