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 Tennessee exam you need 70% on each section.
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.
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Tennessee licenses Property producers and Casualty producers through Pearson VUE, each with a national section (50 questions) and a Tennessee-specific section (18 questions), requiring 70% on each section. This bank covers the national property & casualty material plus Tennessee law - the 25/50/25 compulsory auto financial-responsibility limits and uninsured-motorist coverage, fire and property provisions, cancellation and nonrenewal rules, the guaranty association, and workers compensation under Title 50.
You need 70% on each section. 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 Tennessee Code Annotated (Titles 56, 55 and 50) for the state-law questions, with the statute section cited in each explanation.
The full Tennessee bank contains 986 questions (general insurance plus Tennessee 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 producer writes coverage on a family's personal-use pickup truck that is not operated for hire. Under T.C.A. § 56-5-102, this is classified as:
Why: T.C.A. § 56-5-102(7)(D) treats a personal-use pickup not used for hire as personal risk insurance — therefore personal risk is correct.
Under T.C.A. § 50-6-101, the current Workers' Compensation Law is controlling for claims when the date of injury is on or after what date?
Why: T.C.A. § 50-6-101 states the law is controlling for any workers' compensation claim when the date of injury is on or after July 1, 2014; claims with an earlier date of injury are governed by prior law — therefore July 1, 2014 is correct.
The standard CGL excludes liability for professional services. An architect, accountant, or doctor would address this gap with:
Why: Professional services are excluded under the CGL and must be insured with a Professional Liability/E&O policy.
A first-time defendant shows the court that insurance was actually in effect on the date charged. Under T.C.A. § 55-12-139, the court?
Why: T.C.A. § 55-12-139(e)(1) requires dismissal without costs on a first violation where proof was in effect at the time — therefore the charge is dismissed.
Under T.C.A. § 56-7-801, the required inspection of a fire-insured building must be caused by:
Why: T.C.A. § 56-7-801(a) directs the company, its designee, or its agent to cause the inspection — therefore that is correct.
A claimant asks an insurer for the forms needed to file a claim, and 25 days pass with nothing sent. Under T.C.A. § 56-8-105, the insurer has:
Why: T.C.A. § 56-8-105(13) requires forms within fifteen calendar days, so 25 days is too long — therefore the insurer has violated the rule.
Which of the following best defines a "family member" under the PAP?
Why: A family member is a person related to the named insured by blood, marriage, or adoption who resides in the household, including a ward or foster child.
Under T.C.A. § 56-6-112, if the commissioner denies a license application, the applicant must be notified in writing within what time?
Why: T.C.A. § 56-6-112(c) requires the commissioner to notify and advise the applicant in writing of a denial within thirty (30) days.
A bond guaranteeing that the contractor will pay subcontractors, laborers, and material suppliers is a:
Why: A payment bond guarantees that subcontractors and suppliers will be paid, protecting against liens.
Under T.C.A. § 56-8-104, disseminating an advertisement about the insurance business that is untrue, deceptive, or misleading is:
Why: T.C.A. § 56-8-104(2) prohibits false, deceptive, or misleading advertising about the insurance business — therefore it is prohibited.
A car-rental clerk sells optional collision coverage on rentals of 30 days. Under T.C.A. § 56-6-104, does this require a producer license?
Why: T.C.A. § 56-6-104(b)(9) exempts vehicle-rental staff who sell optional insurance incidental to a rental agreement not exceeding ninety (90) days.
Which of the following best describes fraud in an insurance context?
Why: Fraud is an intentional deception or misrepresentation made to gain an unfair or unlawful advantage.
Liability on a third-party claim is reasonably clear, yet the insurer makes no genuine effort to settle it promptly and fairly. Under T.C.A. § 56-8-105, the insurer has:
Why: T.C.A. § 56-8-105(4) requires a good-faith effort to settle promptly and fairly once liability is reasonably clear — therefore the insurer committed an unfair practice.
Under T.C.A. § 56-5-207, when is an insurer NOT required to provide the credit-information disclosure statement?
Why: T.C.A. § 56-5-207(a) states the insurer need not provide the disclosure statement to any insured on a renewal policy if the consumer has previously been provided a disclosure statement — therefore that is correct.
Under T.C.A. § 56-6-115, after receiving a notice of appointment, the commissioner must verify the producer's eligibility within what time?
Why: T.C.A. § 56-6-115(d) requires the commissioner to verify eligibility within a reasonable time not to exceed thirty (30) days after receiving the notice of appointment.
Under T.C.A. § 56-7-1119, an insurer writing a personal auto policy may do what regarding rideshare activity?
Why: T.C.A. § 56-7-1119(b) lets insurers exclude any and all coverage while a driver is logged on to a TNC digital network or on a prearranged ride — therefore exclude such coverage.
An 'impairment rating' in workers' compensation is used primarily to:
Why: An impairment rating, often expressed as a percentage, measures the extent of permanent physical impairment and is used to determine permanent disability benefits.
Under T.C.A. § 55-12-114, the standard fee to restore a driver license after suspension or revocation is generally?
Why: T.C.A. § 55-12-114(c) requires a one-hundred-dollar restoration fee in the standard case — therefore $100.
Under T.C.A. § 56-12-101, this part is known and may be cited as the:
Why: T.C.A. § 56-12-101 names the part the Tennessee Insurance Guaranty Association Act — therefore that title is correct.
Under T.C.A. § 50-6-110, the intoxication presumption applies to safety-sensitive positions at a blood alcohol concentration of at least?
Why: T.C.A. § 50-6-110(c)(1) sets the threshold at 0.04% for safety-sensitive positions — therefore 0.04%.
Under T.C.A. § 55-12-141, while a rideshare driver is engaged in a prearranged ride, primary coverage must be at least?
Why: T.C.A. § 55-12-141(d) requires at least $1,000,000 of primary coverage during a prearranged ride — therefore $1,000,000.
The Spoilage endorsement primarily covers:
Why: The Spoilage endorsement covers loss to perishable stock from breakdown of refrigeration equipment or off-premises power interruption, depending on options selected.
A Tennessee driver's license was revoked for six months. Under T.C.A. § 55-12-114, to reinstate she must provide proof of financial responsibility?
Why: T.C.A. § 55-12-114(d)(1) requires proof of financial responsibility prospectively for a length of time equal to the suspension or revocation — therefore equal to the revocation.
Under T.C.A. § 56-1-102, the term "company" or "insurance company" includes which of the following?
Why: T.C.A. § 56-1-102(2) defines 'company' or 'insurance company' to include all corporations, associations, partnerships, or individuals engaged as principals in the business of insurance.
A claimant recovers on a covered claim from the association after the insurer's insolvency. Under T.C.A. § 56-12-110, that claimant is deemed to have:
Why: T.C.A. § 56-12-110(a) deems the recovering person to have assigned policy rights to the association to the extent of the recovery — therefore assignment is correct.
A candidate fails the producer exam a second time. Under T.C.A. § 56-6-105, the required waiting period before another attempt is what?
Why: T.C.A. § 56-6-105(d)(2) requires an applicant who fails a second or subsequent attempt to wait at least thirty (30) calendar days before reapplying.
After a covered fire, a city orders demolition of the undamaged portion of an older building to meet current code. Which coverage pays for the demolition and increased rebuilding cost?
Why: Ordinance or Law coverage pays for loss to the undamaged portion, demolition costs, and increased cost of construction to comply with current codes.
Under T.C.A. § 55-12-107, for a policy or bond to be effective under the financial responsibility law, it generally must be issued by a licensed insurer or surety and provide security not less than the amounts specified in which section?
Why: T.C.A. § 55-12-107(a) requires the policy or bond to be issued by a licensed insurance or surety company and to provide security not less than the amounts specified in § 55-12-102 — therefore § 55-12-102 is correct.
Under T.C.A. § 56-6-114, a person who sells insurance for a company not authorized in Tennessee is personally liable for what?
Why: T.C.A. § 56-6-114(a) makes a person personally liable for any premiums paid for, or valid claims made on, contracts unlawfully sold for an unauthorized insurer.
Under T.C.A. § 56-12-107, except for workers' compensation, the association's total obligation for any single insured and its affiliates ceases once it has paid, in the aggregate:
Why: T.C.A. § 56-12-107(a)(1)(C)(ii) ends the obligation when $10,000,000 has been paid in the aggregate for a single insured and its affiliates — therefore $10 million is correct.