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Colorado Life License - Exam Section Weights & Requirements
What the Colorado Life exam tests, section by section, taken from the state's own published content outline, with exam prep built to the same weights.
Colorado issues this as Life.
Exam logistics
Where to apply and book the exam
We have not published a step-by-step Colorado checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.
What Colorado requires
Transcribed from NIPR's Colorado resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against Colorado Division of Insurance before you file.
- Application fee
- $44 (Resident Producer (all lines of authority except Surplus Lines))
- State exam
- Resident Producer exams are required for Life, Accident & Health, Property, Casualty, Personal Lines, Surplus Lines, Credit and Crop Hail, and not required for Variable Life and Variable Annuity Product, Travel Insurance, Attorney Title or Professional Cash Bail Agent. Resident Public Adjuster requires an exam.
- How to apply
- Apply electronically through NIPR's Resident License application.
- Also worth knowing
- Colorado does not license Independent Adjusters. Public Adjusters must provide a $20,000 surety bond and power of attorney. This page states no fingerprint or background-check requirement.
Colorado application fees, by license class
- Resident Producer (all lines of authority except Surplus Lines)$44
- Resident Producer (Surplus Lines)$141
- Resident Public Adjuster$44
- Resident Bail Registration (Professional Cash Bail Agent)$113
Source: NIPR, Colorado resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.
What's actually on the exam
Section weights below are derived from Pearson VUE publication #120606, effective 2024-01-01 - not a national average. Our practice questions and final exam are sampled to the same proportions.
- I. Types of Policies12.5% (10 of 80)
- II. Policy Riders, Provisions, Options, and Exclusions15% (12 of 80)
- III. Completing the Application, Underwriting, and Delivering the Policy15% (12 of 80)
- IV. Premiums, Proceeds, and Beneficiaries6.25% (5 of 80)
- V. Annuities6.25% (5 of 80)
- VI. Federal Tax Considerations for Life Insurance and Annuities3.75% (3 of 80)
- VII. Qualified Plans and Federal Retirement Plans3.75% (3 of 80)
- VIII. Insurance Ethics0% (0 of 80)
- IX. Colorado Insurance Code and Division of Insurance25% (20 of 80)
- X. Colorado Statutes Pertinent to Life Insurance12.5% (10 of 80)
Source: Pearson VUE #120606 eff. 2024-01-01.
Frequently asked questions
How many questions are on the Colorado Life exam?
Colorado administers the Life, 80 scored questions, a 120-minute time limit, administered by Pearson VUE. The exam fee is $41.
What score do I need to pass?
Colorado does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere.
Does Colorado require state-approved prelicensing education?
Yes. Colorado requires 40 hours of state-approved prelicensing education for the Life license before you can sit for the exam.
Is the practice exam built to the real Colorado exam's format?
Yes. Our practice questions and final exam are weighted to match Pearson VUE #120606 eff. 2024-01-01, section by section - not a generic national blueprint with a state label on it.
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