Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
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. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode 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 1014 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.
In an equity-indexed annuity using the 'annual point-to-point' crediting method, interest is based on the index value:
Why: Annual point-to-point compares the index at the beginning and end of the year; high-water mark and monthly averaging are alternative methods.
An insured returns to work, then becomes disabled again from the same cause five months later. Under a recurrent disability provision (six-month period), the insured:
Why: A recurrence from the same cause within the stated period is treated as a continuation, so no new elimination period applies.
Under the industrial life beneficiary provision, if proof of claim with surrender of the policy is not made by the named beneficiary within how many days after the insured's death, the company may pay any person permitted by the policy?
Why: Section 229(3) provides that unless proof of claim with surrender is made within fifteen days after the insured's death, the company may pay to any person permitted by the policy.
A policyowner stops paying premiums but wants to keep some permanent coverage with no further premiums due. The best nonforfeiture option is:
Why: Reduced paid-up uses the cash value to buy a smaller, fully paid-up permanent policy — permanent coverage with no further premiums.
Once issued under Sections 500-25 and 500-30, an Illinois insurance producer license is issued for what term?
Why: Section 500-35(a) provides that qualifying persons shall be issued a 2-year insurance producer license.
An applicant deliberately withholds a known heart condition from the application. This is:
Why: Intentionally withholding a known material fact is concealment, which can void the contract.
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.
Under the employer insurable-interest rule, an employer's consent requirement for covering an employee's life is satisfied if the insured receives written notice and does not reject coverage within:
Why: Section 224.1 provides the consent requirement is satisfied if the insured is given written notice and does not reject coverage within 30 days of receipt.
A licensed producer is convicted of a felony. Under Section 500-95, within what period must the producer report the conviction to the Director?
Why: Section 500-95 requires reporting within 30 days after the entry date of the judgment and providing copies of the judgment and related documents.
Under Section 151, which of the following does the statute expressly permit, notwithstanding the general rebating prohibition?
Why: Section 151(1) states the Section is not to be construed to prevent the taking of a bona fide obligation, with interest at six per centum per annum, in payment of any premium. The other options are prohibited inducements.
An employee has $100,000 of employer-paid group term life. The amount subject to imputed income is:
Why: The first $50,000 is tax-free; the cost of the remaining $50,000 is imputed taxable income.
A blanket health policy is designed to cover:
Why: A blanket policy covers a constantly changing group of unnamed people defined by a relationship (airline passengers, students, sports teams).
Annuitization differs from a systematic withdrawal because annuitization:
Why: Annuitization exchanges the accumulated value for a guaranteed income stream; systematic withdrawal keeps the account and takes flexible amounts.
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.
A 'future increase option' (guaranteed insurability) rider on a disability policy lets the insured:
Why: This rider allows scheduled increases in the monthly benefit (as income rises) without new evidence of medical insurability.
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.
In group underwriting, a 'guaranteed issue' limit is the amount of coverage that:
Why: Up to the guaranteed issue limit, members are covered without individual medical evidence; amounts above it require proof of insurability.
An individual submits a written request to correct disputed recorded personal information. Within how many business days must the institution either make the correction or notify the individual of its refusal?
Why: Section 1010(A) requires the institution, within 30 business days of receiving the written request, to either make the correction or notify the individual of its refusal and the reasons.
An individual producer lets his license lapse. Under what condition may he be reissued a license without retaking the written examination?
Why: Section 500-35(d) allows reissuance without exam within 12 months of the due date, with a penalty of double the unpaid renewal fee.
Under Section 363, the maximum period for which a Medicare supplement policy may deny a claim for losses attributable to a preexisting condition is:
Why: Section 363(5) provides a Medicare supplement policy may not deny a claim for losses incurred more than 6 months from the effective date of coverage for a preexisting condition.
A mortgage protection (mortgage redemption) policy is usually written as decreasing term, and its death benefit is paid to:
Why: Mortgage protection is owned by the borrower and pays the family/estate (who then choose to pay off the loan); credit life, by contrast, pays the creditor directly.
Illinois law requires interest to accrue on life insurance death proceeds from the date of death, at an annual rate of:
Why: Section 224(1)(l) provides interest accrues on death proceeds from date of death at 10% annually unless payment is made within 31 days of the triggering events.
Under Section 70, if prior authorization for covered post-stabilization services is required, the plan must provide access to designated decision-makers:
Why: Section 70(a) requires the plan to provide access 24 hours a day, 7 days a week to designated persons to make determinations, provided any determination is made by a health care professional.
An out-of-pocket maximum (stop-loss) in a health plan:
Why: Once the insured's deductible, copays, and coinsurance reach the out-of-pocket maximum, the plan pays 100% of covered costs for the rest of the year.
Under Section 427, the Director's authority to modify or set aside a cease and desist order before the time for filing a complaint for review expires is governed by the time period allowed under which section for filing such a complaint?
Why: Section 427(2) ties the Director's power to modify or set aside an order to the time allowed under Section 407 of the Code for filing a complaint for review.
When the Department retains independent actuaries or certified public accountants to supplement an examination, who bears the cost of those services?
Why: Section 402(1) provides that the cost of retained independent actuaries, CPAs, or qualified examiners shall be borne by the company or person being examined.
An equity-indexed annuity with a 0% floor credits no negative interest. In a year the index drops 12%, the contract is credited:
Why: The floor (commonly 0%) prevents negative crediting, so a down year credits the floor rather than a loss.
A 'bed reservation' benefit in a long-term care policy:
Why: A bed reservation benefit keeps paying the facility (for a limited number of days) to hold the insured's bed while they are temporarily hospitalized.
Under Section 75, a health care plan's required consumer advisory committee:
Why: Section 75(a) gives the consumer advisory committee authority to identify and review consumer concerns and make advisory recommendations, but it shall not hear or resolve specific complaints or grievances and instead refers them to the plan's grievance committee.
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.