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 licenses Property and Casualty producers through Pearson VUE, split into a general section and an Illinois state-law section, each requiring a scaled score of 70 to pass. This bank covers the national property & casualty material plus Illinois law - auto, property and homeowners, and workers' compensation.
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 Compiled Statutes (215 ILCS 5, 625 ILCS 5, 820 ILCS 305) for the state-law questions, with the statute section cited in each explanation.
The full Illinois bank contains 1056 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.
How many times during his or her lifetime may an individual applicant hold a temporary insurance producer license under Section 500-65?
Why: Section 500-65(b) provides that an individual applicant may not hold more than one such temporary license during his or her lifetime.
Under 215 ILCS 5/143.19(f), cancellation is permitted where the named insured, within the preceding 36 months, was convicted of certain offenses OR had how many speeding/motor-vehicle-law misdemeanor violations within the prior 12 months?
Why: Section 143.19(f)(5) permits cancellation for 3 or more speeding or motor-vehicle-law misdemeanor violations within the prior 12 months.
Liberalization is a policy condition that:
Why: The liberalization clause provides that if the insurer broadens coverage without additional premium during the policy period, the broadened coverage applies automatically to the existing policy.
If a surviving spouse who is receiving death benefits remarries and the decedent left no children then entitled to benefits, the surviving spouse receives:
Why: Section 7(a) provides that on remarriage of a widow/widower where no entitled children survive, the surviving spouse is paid a lump sum equal to 2 years' compensation and all further rights are extinguished.
The section of a policy that contains the named insured, address, policy period, limits, and premium is the:
Why: The declarations page personalizes the policy with the insured's identifying information, coverage limits, and premium.
A key function of the MCS-90 endorsement is that the insurer:
Why: The MCS-90 obligates the insurer to pay covered public liability judgments even if the policy would not otherwise respond, with a right to recover those payments from the insured.
A products liability claim alleges a manufactured part injured a user three years after sale. This is covered under the CGL as:
Why: Injury from a sold product is a products liability claim subject to the Products-Completed Operations Aggregate.
A statement that is guaranteed to be true and becomes part of the contract is a:
Why: A warranty is a statement that is guaranteed true and becomes part of the policy; its breach can void coverage.
Under 215 ILCS 5/143.14, a notice of cancellation is not effective unless the company does what?
Why: Section 143.14 requires the notice be mailed to the named insured at the last known mailing address and that the company maintain proof of mailing on a recognized U.S. Post Office form or acceptable equivalent.
The difference between an umbrella policy and a simple excess liability policy is that an umbrella:
Why: Excess liability merely adds limits over an underlying policy following its terms; an umbrella both adds limits and can broaden coverage beyond the underlying policies.
Unless otherwise specially provided, a hearing under the Code may be held in the City of Springfield, the City of Chicago, or what other location?
Why: Section 402(2) allows hearings in Springfield, Chicago, or the county where the principal business address of the person or company affected is located.
Under Section 428(2), a cease and desist order issued under Section 427 becomes final upon the expiration of the time allowed for filing a complaint for review (if none is filed) or upon:
Why: Section 428(2) provides that the order becomes final upon expiration of the time to file a complaint for review if none is filed, or upon the entry of a final decision, order, or judgment of the court.
Under Section 424(6), failing to meet a requirement of the Unclaimed Life Insurance Benefits Act becomes an unfair practice when it occurs:
Why: Section 424(6) defines as unfair the failure to meet any requirement of the Unclaimed Life Insurance Benefits Act with such frequency as to constitute a general business practice.
The 'other insurance' condition in a property policy generally provides that the policy will pay:
Why: When more than one policy covers the same loss, the other insurance condition typically calls for pro-rata sharing based on each policy's limits.
Under 625 ILCS 5/3-707, a THIRD or subsequent violation of operating an uninsured vehicle is a business offense carrying a fine of:
Why: Section 3-707(c) provides that a third or subsequent violation is a business offense with a $1,000 fine.
Section I of a Businessowners Policy provides:
Why: Section I of the BOP addresses property coverage (building and business personal property), while Section II addresses liability.
A commercial-lines property policy (not one of the personal lines in 143.13(a),(b),(c),(h)) is coming up for expiration. Under 215 ILCS 5/143.17a, how far in advance must the company mail notice of its intention NOT to renew?
Why: Section 143.17a(a) requires a company to mail written notice of intention not to renew to the named insured at least 60 days before the current policy's expiration date for these commercial-type policies.
An employer that is found in noncompliance with the coverage requirement more than once faces:
Why: Section 4(d) provides that if an employer is found non-compliant more than once, all minimum penalties double (minimum becomes $20,000, up to $1,000/day), and employers with 2 or more violations may not self-insure for one year or until all penalties are paid.
The chief purpose of insurance for the individual is to:
Why: Insurance restores an insured who suffers a loss to the same financial condition as before the loss; it indemnifies rather than profits the insured.
The 'your product' exclusion in the CGL means the policy will not pay for:
Why: Damage to the insured's own product is excluded; injury the product causes to others remains covered.
A mortgagee's insurable interest in an insured building is generally limited to:
Why: A mortgagee (lender) has an insurable interest equal to the outstanding balance of the loan it has secured by the property.
Business Income coverage is designed primarily to cover:
Why: Business Income covers the actual loss of net income plus continuing normal operating expenses (including payroll) during the period of restoration after a covered loss.
When a Commissioner determines an Illinois employer knowingly failed to provide required coverage, the failure is deemed an immediate serious danger to the public, justifying:
Why: Section 4(d) authorizes service of a work-stop order requiring cessation of all business operations; the order is lifted upon proof of the required insurance.
Under 215 ILCS 5/143a, uninsured motorist (UM) bodily-injury coverage must be provided in what amount unless properly rejected?
Why: Section 143a requires UM coverage in the bodily-injury/death limits set forth in Section 7-203 of the Illinois Vehicle Code.
In commercial auto, mobile equipment (e.g., a bulldozer) is generally:
Why: Self-propelled mobile equipment is excluded from the auto definition and is normally addressed under a commercial general liability policy.
The MCS-90 endorsement applies regardless of which auto is involved because it is primarily intended to:
Why: The MCS-90 is a public-protection mechanism guaranteeing that injured members of the public can be paid, even if the specific vehicle was not scheduled.
Under PAP Part A, punitive or exemplary damages are:
Why: Liability coverage responds to compensatory damages; punitive damages are commonly excluded or unenforceable under the policy and many states' public policy.
Under Section 8(a), the employer must pay for necessary medical, surgical, and hospital services that are:
Why: Section 8(a) requires the employer to pay for all necessary first aid, medical, surgical, and hospital services reasonably required to cure or relieve from the effects of the accidental injury.
The PAP's out-of-state coverage provision does what when the insured travels to a state with higher required limits?
Why: The out-of-state provision raises the policy limits to the minimum amounts required by the other state's compulsory or financial responsibility law if they are higher.
Self-insurance is best defined as:
Why: Self-insurance is a risk-retention technique in which an organization budgets and funds its own losses internally instead of transferring the risk to an insurer.