Part of the expanding PassProfessor catalog: 9,651 questions covering both of Tennessee’s separate Property and Casualty exams, written to the current Tennessee outlines and independently audited. Join the notify list and we will email you when enrollment opens.
What’s included
One bank, built for the way Tennessee actually tests. Because Tennessee splits property and casualty into two sittings, candidates often buy two products or study from a combined-exam course written for another state. This bank is organized the Tennessee way: separate Property and Casualty general-knowledge sections, a Tennessee-law section common to both exams, and a Tennessee-law section specific to each exam — so every drill and every generated exam matches the sitting you are about to take.
2,157 questions on Tennessee law. Each real exam puts 18 of its 68 scored questions — about 26% — on Tennessee statutes and departmental rules. Fourteen of those questions come from the rules common to all lines (the Commissioner’s powers, licensing, unfair practices) and four from rules pertinent to that line only (fire insurance and sinkhole coverage on the Property side; financial responsibility, SR-22, and uninsured motorists on the Casualty side). Our bank holds 2,157 Tennessee-law questions — the deepest part of the program, because it is the part national courses cover most lightly.
An explanation on every question. Every one of the 9,651 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams the way you will sit them. Generate a full Property simulation (68 scored questions at the real outline weights), a full Casualty simulation, or a combined session that runs both back to back the way a same-day test day feels. Questions you have not seen come first, draws are weighted to Pearson VUE’s published Tennessee outlines, and you never sit the same exam twice.
Drills that match how the exams are built. Drill a single outline section — Tennessee rules common to both lines, homeowners policy types, casualty provisions — and see your results broken down by section, so a weak area shows up in your practice data before it shows up on a score report. That matters more in Tennessee than in most states: a failing score report gives you diagnostics by major area, and your practice data is organized the same way.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Tennessee does not offer a combined property and casualty exam. It runs two separate Pearson VUE exams — a Property exam and a Casualty exam — and you must pass each one on its own: 68 scored questions in 1 hour 45 minutes per exam, with a scaled score of 70 to pass. PassProfessor’s Tennessee program is one practice bank that prepares you for both: 9,651 original questions built on Pearson VUE’s current Tennessee content outlines — including 2,157 questions on Tennessee law alone — with an explanation on every question and generated practice exams you can sit per exam (Property only, Casualty only) or combined. A free sample comes with the program; the full Tennessee program will be $29 when enrollment opens.
The real exams at a glance
Current as of October 2026, per the Pearson VUE Tennessee Insurance Licensing Candidate Handbook (publication #124300, October 2026) and the Tennessee Insurance Content Outlines (publication #124301, effective October 7, 2026). Full detail — eligibility, registration, fingerprints, retakes, test day — is in our Tennessee insurance exam guide.
| Tennessee Property exam (InsTN-Prop03) | Tennessee Casualty exam (InsTN-Cas04) | |
|---|---|---|
| Administered by | Pearson VUE, for the Tennessee Department of Commerce and Insurance (TDCI) | Pearson VUE, for TDCI |
| Questions you will see | 77 | 77 |
| Scored questions | 68 (50 general knowledge + 18 Tennessee law) | 68 (50 general knowledge + 18 Tennessee law) |
| Unscored pretest questions mixed in | 9 (you cannot tell which they are) | 9 |
| Time limit | 1 hour 45 minutes | 1 hour 45 minutes |
| Passing standard | Scaled score of 70 (each exam scored separately) | Scaled score of 70 |
| Exam fee | $55 per exam, paid to Pearson VUE when you reserve | $55 per exam |
- Two exams, two passes. There is no combined Tennessee P&C exam and no combined score. Passing Property does not help your Casualty result; each exam stands alone. You may test at a Pearson VUE test center or online through OnVUE ($55 per exam online as well; Pearson VUE also offers an online Property and Casualty reservation covering both exams for $80 — the exams are still taken and scored separately).
- Tennessee requires no pre-licensing education for the Property or Casualty lines. There is no course you must complete before either exam — you prepare, pass both exams, complete a fingerprint background check, and apply. (The Title line is the exception, not these lines.)
- A scaled score of 70 is not 70%. Pearson VUE converts results to a scaled score so different exam forms demand the same knowledge. If you pass, your score report simply reads “pass”; numeric scaled scores are reported only to candidates who do not pass, along with diagnostic information by major area.
- Apply after you pass both exams: wait 48 hours after testing, complete fingerprinting through IdentoGO, then apply through NIPR with the $50 filing fee (separate from the exam fees).
How the practice maps to the real exams
Every question in the Tennessee bank is tagged to a section of Pearson VUE’s current Tennessee content outlines — the same outlines the real exams are built from. Two sections (Insurance Terms, and the Tennessee rules common to all lines) appear on both exams, so their questions serve both sittings and are counted once in the bank total. Counts below are the bank itself, counted question by question.
| Official outline section (scored questions on the real exam) | Practice questions |
|---|---|
| Property exam — general knowledge | |
| I. Types of Policies (22) | 1,649 |
| II. Insurance Terms and Related Concepts (15) (also on the Casualty exam) | 2,249 |
| III. Policy Provisions and Contract Law (13) | 974 |
| Casualty exam — general knowledge | |
| I. Types of Policies, Bonds, and Related Terms (23) | 1,724 |
| II. Insurance Terms and Related Concepts (15) (shared with Property, above) | — |
| III. Policy Provisions (12) | 898 |
| Tennessee laws and departmental rules (on both exams) | |
| Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance (14 of each exam’s 18) | 1,247 |
| Tennessee Laws, and Departmental Rules Pertinent to Property Insurance Only (4) | 455 |
| Tennessee Laws, and Departmental Rules Pertinent to Casualty Insurance Only (4) | 455 |
| Total unique questions in the bank | 9,651 |
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Tennessee questions drawn from both exams’ outlines, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Tennessee-law sections early. They are 18 of 68 scored questions on each exam and the most concrete material tested — statutory day counts, cancellation and nonrenewal rules, named Tennessee requirements like the mandated offer of sinkhole coverage. Most candidates leave state law for last; the score report is where that shows.
- Drill by outline section, per exam. Work the Property sections and the Casualty sections as the separate tests they are. The two Types of Policies sections are the largest single blocks on their exams (22 and 23 of 50 general questions), so policy forms deserve the most hours.
- Sit full generated exams against the clock. 77 questions in 105 minutes is a pace of about 80 seconds per question once pretest items are mixed in. Sit each exam separately first; then try a combined back-to-back session before a same-day test day.
- Book the real exams through Pearson VUE when your practice scores sit comfortably above passing on full simulations of both exams — then, after passing, complete fingerprinting and apply to TDCI through NIPR (waiting the required 48 hours after testing first).
Pricing
$29 — the full Tennessee program, when enrollment opens. All 9,651 questions covering both the Property and the Casualty exams, every explanation, unlimited fresh practice exams (per exam or combined) and section drills. One purchase prepares you for both sittings — there is no second Tennessee product to buy. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — in a state that does not require you to take one for these lines. This program is the practice itself, for both exams, priced below every one of them.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
Does Tennessee have a combined property and casualty exam?
No. Tennessee licenses property and casualty through two separate Pearson VUE exams — a Property exam and a Casualty exam — each with its own questions, its own sitting, and its own pass/fail result. You must pass both. This program is a single practice bank that covers both exams, and it can generate a practice exam for either one separately as well as a combined practice session — but the real exams are always separate.
How many questions are on the Tennessee Property and Casualty exams?
Each exam shows you 77 questions in 1 hour 45 minutes. Of those, 68 are scored — 50 on general insurance knowledge and 18 on Tennessee laws and departmental rules — and 9 are unscored pretest questions mixed in so you cannot identify them. Because there are two exams, a full P&C candidate answers 136 scored questions across both sittings.
What score do I need to pass the Tennessee insurance exams?
A scaled score of 70 on each exam, separately. Pearson VUE scales results so that every version of an exam demands the same level of knowledge, which means a scaled 70 is not the same thing as answering 70% of the questions correctly. If you pass, your official score report reads “pass” with no numeric score; numeric scores are reported only to candidates who do not pass.
Does Tennessee require pre-licensing education?
No — not for the Property or Casualty lines. Tennessee sets no pre-licensing course requirement before these exams, so you may prepare however you choose, pass both Pearson VUE exams, complete fingerprinting, and apply. (The Title line does carry a pre-licensing education requirement; Property and Casualty do not.) This program is exam preparation only and provides no education credit in any state.
How much does it cost to get a Tennessee P&C license?
The exam fee is $55 per exam, paid to Pearson VUE when you reserve — $110 total for the Property and Casualty exams at a test center. After you pass, the license filing fee is $50, paid with your application through NIPR. Fingerprinting through IdentoGO carries its own separate fee. There is no state-required course fee, because Tennessee requires no course for these lines — preparation, like this program at $29, is your choice.
Who administers the Tennessee insurance exams?
Pearson VUE administers both exams for the Tennessee Department of Commerce and Insurance (TDCI). You reserve on Pearson VUE’s Tennessee insurance page or by phone at (800) 274-4957, at least 24 hours ahead. Both exams are offered at Pearson VUE test centers and online through OnVUE.
Can I take both Tennessee exams on the same day?
Yes — the exams are separate sittings, but nothing requires them to be on different days, and Pearson VUE offers an online Property and Casualty reservation covering both for $80. Each exam is still taken and scored on its own: passing one and failing the other means retaking only the one you failed, under Tennessee’s retake waiting periods.
What do I do after I pass?
Wait 48 hours after testing, complete the required fingerprint-based background check through IdentoGO, and submit your application and the $50 filing fee electronically through NIPR (a paper application to TDCI is also available). TDCI makes the final licensing decision; once licensed, you still need an appointment with an insurer before you can sell that company’s products.
What happens if I fail one of the exams?
You retake only the exam you failed. Tennessee requires a wait of ten (10) days after a first failure before retaking that exam, and thirty (30) days after each subsequent failure; you must also wait 24 hours before making the retake reservation, and the $55 exam fee applies to each attempt. Your score report includes diagnostic information by major area — the same outline sections your practice data here is organized by — so a retake plan can target what cost you. Note that each exam line allows only one OnVUE (online) attempt; retakes are taken at a test center.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published Tennessee content outlines and Tennessee insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
Tennessee requires no pre-licensing education for the Property or Casualty lines, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course (such as the Title line’s requirement). It exists to prepare you for the exams themselves.
Why does the Tennessee-law part get its own drills?
Because it is 18 of the 68 scored questions on each exam — about 26% of both tests — and it is the part national study materials cover thinnest. Tennessee tests its own rules: the Commissioner’s powers and licensing rules common to all lines, unfair practices including rebating and unfair claims settlement, fire insurance and the mandated offer of sinkhole coverage on the Property side, and financial responsibility, SR-22, uninsured motorists, and assigned-risk notice on the Casualty side. Our bank holds 2,157 Tennessee-law questions so that section can be drilled on its own until it is the easiest part of both exams.
When can I enroll in the Tennessee program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Tennessee Department of Commerce and Insurance, Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outlines; they are not actual exam questions.