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.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
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.
The implied warranty of seaworthiness in ocean marine requires that:
Why: Seaworthiness is an implied warranty that the vessel is reasonably fit, properly equipped, and adequately crewed to undertake the intended voyage.
An insured runs a small in-home daycare for several children. The appropriate way to address the liability and incidental property exposure is the:
Why: A home day care endorsement (a form of permitted incidental occupancy/business endorsement) addresses the liability and limited property exposure of running a daycare from the home.
After a total fire loss, it is found the insured paid premium on value above the property's actual value. Under T.C.A. § 56-7-802, the insured is entitled to:
Why: T.C.A. § 56-7-802 reimburses the proportionate excess premium with interest when premium was paid above actual value — therefore that reimbursement is correct.
Under PAP Part A, which of the following is an "insured" while using a non-owned auto?
Why: For Part A, the named insured and family members are insureds for the ownership/use of any auto, while other persons are insureds only for use of the named insured's covered auto.
Under T.C.A. § 56-12-107, on a non-workers'-compensation covered claim, the association's obligation is limited to the amount that is:
Why: T.C.A. § 56-12-107(a)(1)(A) limits the obligation to the amount in excess of $100 and less than $100,000 — therefore that band is correct.
Under T.C.A. § 50-6-118, which agency establishes and collects workers' compensation penalties by rule?
Why: T.C.A. § 50-6-118(a) directs the bureau of workers' compensation to establish and collect the penalties by rule — therefore the bureau of workers' compensation.
An insurer knowingly accepts a late premium payment without objection on several occasions, then later tries to deny a claim because a payment was late. The insurer is most likely prevented from doing so by:
Why: By repeatedly accepting late payments (waiver), the insurer may be estopped from later denying coverage based on the very right it gave up.
Under the FCRA, an investigative consumer report differs from an ordinary consumer report because it includes:
Why: An investigative consumer report gathers information on a consumer's character, general reputation, and mode of living through personal interviews, triggering additional notice requirements.
Under T.C.A. § 55-12-104, within how many days after an accident must the required written report be filed with the commissioner?
Why: T.C.A. § 55-12-104(a)(1) requires the operator (or owner) to report the matter in writing to the commissioner within twenty (20) days after the occurrence of the accident — therefore 20 days is correct.
Which of the following best states the purpose of the deductible in Section I of a Homeowners policy?
Why: The Section I property deductible has the insured retain a portion of each loss, discouraging small claims and lowering premium; it does not apply to Section II liability.
Under T.C.A. § 56-6-107, the "personal lines" authority covers property and casualty insurance sold to whom?
Why: T.C.A. § 56-6-107(a)(6) defines personal lines as property and casualty coverage sold to individuals and families for primarily noncommercial purposes.
The characteristic of an insurance contract under which the dollar amounts exchanged by the parties may be unequal is called:
Why: An aleatory contract involves an exchange of unequal amounts; the insured pays a small premium and may collect a large benefit, or nothing at all.
An insured is in a collision that is never adjudicated to be his fault. Under T.C.A. § 56-7-1302, the insurer may?
Why: T.C.A. § 56-7-1302(c) bars cancellation solely because the driver was in a collision not adjudicated to be his fault — therefore it may not cancel solely for that collision.
Under T.C.A. § 56-6-112(g), penalties the commissioner orders against a producer may not exceed what aggregate amount?
Why: T.C.A. § 56-6-112(g)(2) caps penalties at an aggregate of one hundred thousand dollars ($100,000), with each day of continued violation a separate violation.
Under T.C.A. § 56-7-1201, uninsured or underinsured motorist coverage need NOT be provided by?
Why: T.C.A. § 56-7-1201(a)(3) provides that no UM/UIM coverage need be provided by an excess or umbrella policy — therefore an excess or umbrella policy.
Under T.C.A. § 56-7-801, the required post-issuance inspection of a fire risk chiefly serves to:
Why: T.C.A. § 56-7-801 ties the inspection to the ban on insuring above fair value — therefore confirming coverage stays within fair value is the purpose.
Under T.C.A. § 56-7-802, limiting a total-loss recovery to 'actual value at the time of the loss' means the insurer:
Why: T.C.A. § 56-7-802 limits recovery on a total loss to the actual value at the time of the loss — therefore the insurer owes no more than that value.
The difference between cancellation and nonrenewal is that nonrenewal:
Why: Cancellation terminates a policy during its term, while nonrenewal allows the current term to expire and declines to issue a new term.
Under T.C.A. § 56-6-112, a business entity's license may be suspended or revoked when an individual licensee's violation was what?
Why: T.C.A. § 56-6-112(d) allows suspension or revocation of a business entity license where a partner, officer or manager knew or should have known of the violation and it was neither reported nor cured.
Many WC laws include a 'retroactive' provision tied to the waiting period. This means that if a disability lasts beyond a specified time, the worker:
Why: Under a retroactive provision, if the disability continues beyond a set number of days, the worker is paid wage benefits retroactively, including for the initial waiting period.
How does a standard commercial property deductible typically apply?
Why: The deductible applies per occurrence and is subtracted from the loss amount after any coinsurance adjustment is made.
In a monopolistic state fund jurisdiction, employers must generally obtain workers' compensation coverage from:
Why: In monopolistic fund states, the state fund is the sole source of WC coverage and private insurers may not write it; employers must buy from the state fund.
Under T.C.A. § 56-6-117, after notifying the commissioner, within what time must the insurer mail a copy of the notification to the producer?
Why: T.C.A. § 56-6-117(e)(1) requires the insurer to mail a copy of the notification to the producer within fifteen (15) days after making it.
Under T.C.A. § 56-7-802, the interest on excess premium refunded after a total fire loss runs from:
Why: T.C.A. § 56-7-802 runs interest on the refunded excess premium from the date of issue — therefore the date of issue is correct.
Under TRIA, the federal government's share of insured terrorism losses applies only after the insurer pays:
Why: Under TRIA, each insurer retains a deductible (a percentage of its prior-year direct earned premium) before the federal government shares in the remaining certified losses.
Under T.C.A. § 56-6-125, it is an unfair trade practice for a producer who is engaged only in selling insurance to:
Why: T.C.A. § 56-6-125(a)(1) forbids holding out as a financial planner or adviser when only selling insurance — therefore holding out is the violation.
A bookkeeper embezzles $50,000 from her employer over two years. Which form responds?
Why: Employee theft of employer funds is covered by a fidelity bond/employee dishonesty coverage, not the CGL.
Under T.C.A. § 56-12-107, a member insurer may not be assessed in any year on any account more than what share of its net direct written premiums for the preceding year?
Why: T.C.A. § 56-12-107(a)(3) caps the annual assessment at two percent of the member insurer's net direct written premiums — therefore two percent is correct.
Under T.C.A. § 56-6-107, which line of authority covers direct or consequential loss or damage to property of every kind?
Why: T.C.A. § 56-6-107(a)(3) defines the property line as coverage for the direct or consequential loss or damage to property of every kind.
Under the exclusive remedy doctrine, what does an employee generally give up in exchange for statutory workers' compensation benefits?
Why: The exclusive remedy doctrine means workers' compensation is the employee's sole remedy against the employer; the employee gives up the right to sue the employer in tort in exchange for guaranteed no-fault benefits.