- Life and Accident and Health are separate 77-question exams, each with 68 scored items and a 70 scaled-score requirement.
- A test-center appointment is $55 per exam; the OnVUE combination for both lines is $80.
- Current content outlines took effect October 15, 2025 - confirm you're studying the right version.
- After passing, plan on fingerprinting, a 48-hour wait, and a $50 license application fee.
What This Cheat Sheet Covers
This page is a compressed, print-friendly reference for the Tennessee Life & Health Insurance Producer Exam (TN-LH), the state licensing exam administered through Pearson VUE on behalf of the Tennessee Department of Commerce and Insurance. It is not a substitute for full preparation - for that, work through the TN-LH Study Guide 2026: How to Pass on Your First Attempt - but it is exactly what you want open on a second screen during your final review pass or taped to your desk the night before your appointment.
Everything below reflects the exam as it exists for the Life line and the Accident and Health line specifically, not any other credential that shares similar letters. If you're still getting oriented to the basics, the domain-by-domain breakdown at TN-LH Exam Domains 2026: Complete Guide to All 13 Content Areas is the deeper companion to this cheat sheet.
Core Exam Facts at a Glance
Both TN-LH lines share the same structure, fee logic, and scoring threshold, but they are scored independently. Memorize these numbers before you memorize anything about policy provisions.
| Detail | Life Exam | Accident and Health Exam |
|---|---|---|
| Total questions | 77 (68 scored, 9 pretest) | 77 (68 scored, 9 pretest) |
| Time allowed | 1 hour 45 minutes | 1 hour 45 minutes |
| Passing score | Scaled score of 70 | Scaled score of 70 |
| Test-center fee | $55 | $55 |
| OnVUE combined fee (both lines) | $80 | |
| Prelicensing course required? | No | |
Because passing requires a scaled score rather than a raw percentage, "how many can I miss" isn't a fixed number. For a full explanation of how scaled scoring works on this exam, see TN-LH Passing Score 2026: Exactly What You Need to Pass.
The 13 Domains, Weighted
The current outlines, effective October 15, 2025, split content across 13 domains - six under the Life exam and seven under Accident and Health. The percentages below represent each domain's combined share of the 136 total scored questions across both exams, which is the same weighting system used throughout TN-LH Exam Domains 2026: Complete Guide to All 13 Content Areas.
| # | Domain | Weight |
|---|---|---|
| 1 | Life - Types of Policies | 11.0% |
| 2 | Life - Policy Riders, Provisions, Options, and Exclusions | 11.0% |
| 3 | Life - Completing the Application, Underwriting, and Delivering the Policies | 8.8% |
| 4 | Life - Retirement and Other Insurance Concepts | 5.9% |
| 5 | Life - TN Laws and Departmental Rules Common to Life, A&H, P&C | 10.3% |
| 6 | Life - TN Laws and Departmental Rules Pertinent to Life Only | 2.9% |
| 7 | A&H - Types of Policies | 11.8% |
| 8 | A&H - Policy Provisions, Clauses, and Riders | 11.0% |
| 9 | A&H - Social Insurance | 4.4% |
| 10 | A&H - Other Insurance Concepts | 3.7% |
| 11 | A&H - Field Underwriting Procedures | 5.9% |
| 12 | A&H - TN Laws and Departmental Rules Common to Life, A&H, P&C | 10.3% |
| 13 | A&H - TN Laws and Departmental Rules Pertinent to A&H Only | 2.9% |
Key Takeaway
Domains 7 (11.8%), 1, 2, and 8 (all 11.0%) are your four highest-value targets across both exams. Master these before spending equal time on the sub-3% domains.
Life Insurance Domains Quick Reference
The Life exam's six domains build from product knowledge outward to state-specific rules. Here's what each one actually demands on test day.
Domain 1 - Life: Types of Policies (11.0%)
Expect scenario questions distinguishing term, whole, universal, and variable life products, plus how each behaves with cash value, premiums, and death benefit structure.
- Differences between level term, decreasing term, and convertible term
- How universal life's flexible premium structure differs from whole life
Domain 2 - Life: Policy Riders, Provisions, Options, and Exclusions (11.0%)
This domain rewards precise definitions - waiver of premium, accelerated death benefit, incontestable clause, and grace period wording are all fair game.
- Nonforfeiture options and settlement options
- Suicide and contestability clauses
Domain 3 - Life: Application, Underwriting, and Delivery (8.8%)
Know the sequence from application to delivery, including field underwriting duties, conditional receipts, and what triggers a delayed or COD delivery.
- Insurable interest at time of application
- Backdating and free-look period rules
Domain 4 - Life: Retirement and Other Insurance Concepts (5.9%)
Annuities, qualified vs. nonqualified plans, and IRA basics live here - smaller weight, but often tested with precise numeric or tax-treatment details.
Domains 5 and 6 shift into Tennessee-specific statute and rule questions. Domain 5 overlaps with the material tested on the Accident and Health exam's own law domain (Domain 12), so studying Tennessee's producer licensing law, unfair trade practices, and replacement rules once covers both exams. Domain 6 narrows to Life-only statutory quirks, such as specific policy delivery and free-look requirements unique to life products in Tennessee.
Accident and Health Domains Quick Reference
The Accident and Health exam mirrors the Life exam's structure but swaps in health-specific product and claims knowledge.
Domain 7 - A&H: Types of Policies (11.8%)
The single largest domain across both exams. Expect coverage of individual and group health, disability income, long-term care, Medicare supplement, and dental/vision products.
- Differences between indemnity and managed-care structures
- Elimination periods and benefit periods in disability policies
Domain 8 - A&H: Policy Provisions, Clauses, and Riders (11.0%)
Mandatory and optional policy provisions, preexisting condition clauses, coordination of benefits, and renewability provisions are all heavily tested here.
Domain 9 - A&H: Social Insurance (4.4%)
Medicare Parts A, B, C, D and Medicaid basics - know eligibility triggers and what each part actually covers.
Domain 10 - A&H: Other Insurance Concepts (3.7%)
Group vs. individual concepts, COBRA basics, and taxation of health benefits round out this smaller domain.
Domain 11 - A&H: Field Underwriting Procedures (5.9%)
Application completion, agent's report responsibilities, and replacement notice requirements specific to health products.
Domains 12 and 13 close out the Accident and Health exam the same way Domains 5 and 6 close out Life: shared Tennessee statute first, then A&H-only rule nuances. If law-and-rules questions are your weak spot on either exam, the difficulty patterns are broken down in How Hard Is the TN-LH Exam? Complete Difficulty Guide 2026.
Registration, Fees, and Retake Rules
Scheduling mechanics trip up more candidates than the content does. Keep these numbers straight:
- No prelicensing course is required for either the Life or Accident and Health line in Tennessee.
- Test-center appointments cost $55 per exam line.
- OnVUE online-proctored combination covering both Life and Accident and Health costs $80.
- Retake waiting periods: a 10-day wait after a first failed attempt, and a 30-day wait after any subsequent failure.
- OnVUE attempt limit: only two OnVUE attempts are permitted per exam line before you must switch to an in-person test center for further attempts.
If you're weighing whether to book the OnVUE combination or two separate test-center slots, think about your retake risk: the OnVUE path is only available for a maximum of two attempts per line, so if you're unsure about either domain set, a test-center appointment keeps your retake options fully open from the start. Scheduling windows and how far in advance you should book are covered in TN-LH Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Licensing Steps After You Pass
Passing the exam is not the finish line - there's a short administrative sequence before you're actually licensed to sell in Tennessee.
- Fingerprinting: completed as part of the background check process.
- 48-hour wait: you must wait 48 hours after your exam (and fingerprinting) before filing your license application electronically.
- License application fee: $50, paid when you file.
Missing this order - say, filing before fingerprinting clears or before the 48-hour window closes - is a common source of delay. If you want the eligibility prerequisites laid out before you even schedule your exam, review TN-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify.
A One-Week Final Review Schedule
If you're in the last seven days before your appointment, allocate time by domain weight, not by how comfortable a topic feels. This schedule assumes you're taking both exams close together, which is common since many candidates schedule the OnVUE combination.
Life Domains 1-2 (22% combined)
- Drill policy types and rider/provision definitions with flashcards
- Run timed practice sets on the TN-LH practice test platform to check retention
A&H Domains 7-8 (22.8% combined)
- Focus on policy provisions and product-type distinctions - the single heaviest concentration of points in the exam
- Review Medicare Parts A-D (Domain 9) alongside these, since eligibility questions often pair with policy-type questions
Tennessee Law Domains 5 & 12 (20.6% combined)
- Study these two domains together since they cover shared statute and departmental rules
- Then isolate Domains 6 and 13 for line-specific rule differences
Underwriting, Retirement, and Full Simulation
- Cover Domains 3, 4, 10, and 11 - lower weight but still scored
- Take a full-length timed simulation for each exam within the 1 hour 45 minute limit
For a longer-horizon version of this plan that starts weeks earlier instead of days, see the full TN-LH Study Guide 2026: How to Pass on Your First Attempt. And if you want to gauge readiness with realistic question formats before your appointment, practicing on tnlhexam.com's question sets is the fastest way to find gaps this late in prep.
Key Takeaway
Spend your final week's hours in proportion to domain weight: the four ~11% domains deserve roughly four times the review time of any single ~3% domain.
Frequently Asked Questions
No. They are separately scored exams, and while the OnVUE combination lets you schedule both in one appointment for $80, you can also take them separately at a test center for $55 each.
No prelicensing course is required for either the Life line or the Accident and Health line in Tennessee.
A first failed attempt carries a 10-day waiting period before you can retest; any failure after that carries a 30-day wait. You're also limited to two OnVUE attempts per exam line before you must retest at a physical test center.
After passing, you'll complete fingerprinting and must wait 48 hours before filing your license application electronically, along with paying the $50 license application fee.
Accident and Health - Types of Policies leads at 11.8%, followed by three domains tied at 11.0%: Life - Types of Policies, Life - Policy Riders, Provisions, Options, and Exclusions, and A&H - Policy Provisions, Clauses, and Riders.