Each module is scored separately here so you know exactly where you stand. To pass the real Illinois exam you need a scaled score of 70.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Illinois tests Life and Accident & Health separately and splits each into a General and a State module - four Pearson VUE exams in all (Life: 50 general plus 31 state; Accident & Health: 50 general plus 39 state), each requiring a scaled score of 70. This bank covers the general insurance material and the Illinois state-law material for both lines.
You need a scaled score of 70. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Illinois Insurance Code (215 ILCS 5) for the state-law questions, with the statute section cited in each explanation.
The full Illinois bank contains 1008 questions (general insurance plus Illinois law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
A rider that pays an additional amount (often double the face) if the insured dies in an accident is the:
Why: The accidental death benefit (double indemnity) rider adds a benefit for accidental death.
For long-term care coverage sold by an agent, Section 351A-8 requires the outline of coverage to be delivered at what point?
Why: Sec. 351A-8(a)(2) requires an agent to deliver the outline of coverage prior to the presentation of an application or enrollment form.
To whom must the Director make an annual report, including abstracts of company annual statements and the Department's receipts and expenditures?
Why: Section 406 requires the Director to report annually, or oftener at the request of the Governor, to the Governor, including abstracts of annual statements and a statement of receipts and expenditures.
Under Section 159, when notice of a merger meeting is given by newspaper publication, it must be published once weekly for how many successive weeks, with the last publication at least 20 days before the meeting?
Why: Section 159(1) provides that notice by publication approved by the Director shall be published once weekly on 3 successive weeks, the last publication to be at least 20 days and not more than 40 days before the meeting.
Under Section 153, a witness compelled to testify at a rebating hearing despite self-incrimination concerns receives what protection?
Why: Section 153 grants immunity: a person compelled to testify or produce evidence in a Section 151 rebating proceeding shall not be prosecuted for any act about which compelled to testify, except for perjury committed in so testifying.
A 'stock' insurance company is:
Why: A stock insurer is owned by shareholders (dividends are taxable shareholder dividends); a mutual insurer is owned by policyholders.
An annuitant has a $50,000 cost basis and a $100,000 expected return. Of each $10,000 annual payment, how much is taxable?
Why: Exclusion ratio = basis ÷ expected return = 50,000/100,000 = 50%. Half of each $10,000 payment ($5,000) is excluded; the other $5,000 is taxable.
An insured with a $100,000 policy dies during the grace period while owing a $200 premium. The beneficiary receives:
Why: Coverage stays in force during the grace period; the claim is paid with the overdue premium deducted: $100,000 − $200 = $99,800.
A 68-year-old retiree wants income payments to begin next month from a lump sum. The suitable product is a(n):
Why: A single-premium immediate annuity converts a lump sum into income beginning within one payment period.
Under the required 'Entire Contract; Changes' provision, who has authority to change an Illinois accident and health policy or waive any of its provisions?
Why: Sec. 357.2 states no change is valid until approved by an executive officer and endorsed on or attached to the policy, and no agent has authority to change the policy or waive its provisions.
A 'Social Insurance Supplement' (SIS) rider stops paying once the insured:
Why: An SIS rider supplements income while Social Security is not yet payable; it reduces or stops once Social Security benefits begin.
Historically, the Medicare Part D 'coverage gap' (donut hole) was:
Why: Between initial and catastrophic coverage, enrollees historically paid a higher share in the coverage gap. The gap was gradually closed and, under the Inflation Reduction Act, eliminated in 2025 in favor of an annual out-of-pocket cap on covered drugs.
A producer tells a client false negative information about a competing insurer to win the sale. This is:
Why: Making false, maligning statements about another insurer is defamation, an unfair trade practice.
The difference between a conditional and a binding receipt is that the conditional receipt:
Why: Conditional coverage depends on the applicant being insurable; a binding receipt grants immediate temporary coverage.
Under Section 424, entering into an agreement to commit, or by concerted action committing, any act of boycott, coercion, or intimidation is an unfair practice when it results in or tends to result in:
Why: Section 424(2) defines as unfair any agreement or concerted action constituting boycott, coercion, or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance.
Reinsurance is best described as:
Why: Reinsurance lets the original (ceding) insurer transfer some risk to a reinsurer, stabilizing results and increasing capacity.
A war exclusion in a life policy generally:
Why: A war exclusion excludes or limits payment for death resulting from war (and, in the broader 'status' form, death while in military service), often refunding premiums instead.
A deferred income (longevity) annuity is designed to:
Why: A longevity/deferred income annuity starts payments at an advanced age (e.g., 80+), hedging the risk of outliving one's savings.
Before an Illinois ordinary life policy must make a policy loan available against its cash value, the policy must have been in force for at least:
Why: Section 224(1)(f) requires the company to advance a loan after the policy has been in force 3 full years.
Under Sec. 226.1, an annuity contract may be issued without a life-contingency payment option when used to fund a program of an institution having assets in excess of:
Why: Section 226.1(5) permits issuance without a life-contingency option to fund a program of an institution having assets in excess of $25,000,000.
Under Section 500-80, if a separate fee exceeds what percentage of the directly attributable premium, the disclosure must also include the consumer's signature?
Why: Section 500-80(e)(2) requires the consumer's acknowledging signature if the fee exceeds 10% of a directly attributable premium.
A temporary insurance license is most commonly issued to:
Why: Temporary licenses (no exam) let someone service an existing book when a producer dies, becomes disabled, or enters military service.
Standardized Medicare Supplement (Medigap) plans are labeled:
Why: Medigap plans are standardized by letter (A–N in most states); the same letter offers the same core benefits across insurers.
Under the entire-contract requirement for industrial life policies, the policy may NOT incorporate by reference which of the following unless it is endorsed on or attached to the policy?
Why: Section 229(1)(b) requires that nothing be incorporated by reference to any constitution, bylaws, rules, application, or other writing unless endorsed upon or attached to the policy.
An employee is discharged after admitting to theft committed in connection with his work, for which the employer was in no way responsible. Under Section 367e, what is the effect on group continuation rights?
Why: Sec. 367e(8) makes continuation unavailable to an employee discharged because of a felony or theft connected with his work, where there is admission, conviction, or order of supervision.
For how long may a license be placed on inactive status due to a government-employment conflict of interest before extension limits apply under Section 500-120?
Why: Section 500-120(c) allows a 2-year inactive period, extendable for a successive 2-year period not to exceed a cumulative 4 years.
Absent an earlier terminating event, group continuation coverage under Section 367e ends no later than what point?
Why: Sec. 367e(6)(a) sets the maximum continuation period at the date 12 months after the insurance would otherwise have terminated.
A licensed producer dies. To whom may the Director issue a temporary producer license to allow time to service or sell the business under Section 500-60?
Why: Section 500-60(a)(1) authorizes a temporary license to the surviving spouse or court-appointed personal representative of a producer who dies.
A Section 125 cafeteria plan allows employees to:
Why: A cafeteria (Section 125) plan lets employees select among qualified benefits, funding them with pre-tax salary reductions.
After a hearing under Section 154.7, if the Director finds a company has engaged in an improper claims practice, the maximum civil penalty the Director may impose is:
Why: Section 154.8(1) authorizes the Director, in addition to a cease and desist order, to suspend the certificate of authority for up to 6 months or impose a civil penalty of up to $250,000, or both.