An Illinois personal auto policy has been in force for 90 days. Which is a permitted reason for the insurer to cancel it?

The insured turned 70 years old

A general statewide rate increase

Under the commercial crime forms, 'robbery' means:

Taking property from a person by force or threat

Taking property from the premises by forcible entry leaving visible marks

Taking property by trick or deceit

An Illinois insurer reports a suspected fraudulent claim as the Director's rules require, without malice. The insurer:

Is immune from liability for it

May be sued for it by the claimant

Under Illinois mine subsidence law, the Illinois Mine Subsidence Insurance Fund mainly:

Reinsures insurers' subsidence losses

Sells subsidence cover to owners

Insures coal mine operators' equipment

Pays earthquake losses statewide

An accountant's client sues over an error in a tax filing. The coverage that responds is:

Directors and officers liability

A property insurance policy may be transferred to a new owner:

Only with the insurer's written consent

Automatically when the deed is recorded

Only if the policy has been in force one year

Freely, because the policy follows the property

Free Illinois Property & Casualty Practice Exam 2026

150 questions checked against Illinois law and weighted like the state exam. Free to start, no account needed.

Start practicing

Tigertest IL P&C Insurance practice test training mode on mobile

Train on mobile

Test on desktop

The Illinois property and casualty insurance exam at a glance

Tigertest's Illinois practice has 150 questions with explanations: one full-length practice exam and 4 training sets, free to start with no account required.

Regulator: Illinois Department of Insurance (IDOI), Director Ann Gillespie; producer licensing under Article XXXI of the Illinois Insurance Code (215 ILCS 5/500-5 et seq.)
Vendor: Pearson VUE (test centers and OnVUE online proctoring)
Candidate handbook: Illinois Insurance Candidate Handbook #121400, August 2026
Content outlines: Illinois Insurance Content Outlines #121402 (10/2026), two sets: effective January 1, 2026 (exams before Jan 1, 2027) and effective January 1, 2027
Exams and times: GEN-Life01 75 min / STATE-Life01 50 min; GEN-Health02 75 / STATE-Health02 55; GEN-Prop03 75 / STATE-Prop03 50; GEN-Cas04 75 / STATE-Cas04 55; GEN-Pers55 (personal lines) 90 / STATE-Pers55 45
Scored items: Life general 50 (+5 pretest), Life state 31 (+5); Health general 50 (+5), A&H state 39 (+5); Property general 50 (+5), Property state 30 (+5); Casualty general 50 (+5), Casualty state 37 (+5)
Pass mark: Scaled 70 on every exam (0 to 100 scale, not a percent)
Scoring: Each exam is scored and reported pass/fail on its own; the line is licensed only when both its general and state exams are passed
Prelicensing: 20 hours per line (7.5 in a classroom or webinar); Motor Vehicle 12.5 (5 live); completion must be used within 12 months
Fee: $92 per exam (includes the $50 state fee); pairing general and state for one line on one order gets a $92 discount

Facts checked against official sources on 2026-10-18. Source-checked practice on the Pearson VUE Illinois outlines (#121402, Oct 2026). Not affiliated with the Illinois Department of Insurance or Pearson VUE; confirm rules in official Illinois Department of Insurance materials. Official source

How the Illinois practice works

Four sets with 150 source-checked questions for Illinois, general topics and Illinois law. Missed questions come back until you master them.

Set 1: Basics, Underwriting & Policy Provisions

90 questions · 60% of the practice exam

Set 2: Dwelling & Homeowners

16 questions · 11% of the practice exam

Set 3: Personal Auto

20 questions · 13% of the practice exam

Set 4: Commercial Lines & Other Coverages

24 questions · 16% of the practice exam

Full-length practice exam: 150 questions, 70% to pass

Insurance Basics & Underwriting65
Policy Provisions & Conditions25
Personal Auto20
Dwelling & Homeowners16
Commercial Liability & Workers Comp11
Commercial Property & BOP8
Flood, Surety & Other Coverages5

Illinois property and casualty insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. An Illinois personal auto policy has been in force for 90 days. Which is a permitted reason for the insurer to cancel it?
- A.The insured turned 70 years old
- B.A material misrepresentation
- C.A general statewide rate increase
- D.A single not-at-fault claim
Answer: B. After an auto policy has been in effect 60 days, 215 ILCS 5/143.19 limits cancellation to listed reasons, including nonpayment, a material misrepresentation, a fraudulent claim and certain license suspensions. Age and a not-at-fault claim are not on the list.
2. Under the commercial crime forms, 'robbery' means:
- A.Any theft of money
- B.Taking property from the premises by forcible entry leaving visible marks
- C.Taking property by trick or deceit
- D.Taking property from a person by force or threat
Answer: D. Robbery requires a person to be present and threatened or harmed. Forcible entry with marks is burglary, and taking by trick is theft but not robbery.
3. An Illinois insurer reports a suspected fraudulent claim as the Director's rules require, without malice. The insurer:
- A.Is immune from liability for it
- B.May be sued for it by the claimant
- C.Must first notify the claimant
- D.Must first get a court order
Answer: A. 215 ILCS 5/155.23 provides that, absent malice, an insurer or person furnishing required fraud information is not liable for damages or subject to prosecution for doing so. The Director forwards substantial evidence of fraud to law enforcement.
4. Under Illinois mine subsidence law, the Illinois Mine Subsidence Insurance Fund mainly:
- A.Sells subsidence cover to owners
- B.Insures coal mine operators' equipment
- C.Reinsures insurers' subsidence losses
- D.Pays earthquake losses statewide
Answer: C. 215 ILCS 5/801.1 makes the Illinois Mine Subsidence Insurance Fund the reinsurer of the mine subsidence coverage that insurers must include on Illinois property policies unless the insured waives it in writing (5/805.1), and the Fund sets the premium. The insurer, not the Fund, sells the coverage.
5. An accountant's client sues over an error in a tax filing. The coverage that responds is:
- A.A fidelity bond
- B.Directors and officers liability
- C.Professional liability
- D.CGL Coverage A
Answer: C. Professional liability, also called errors and omissions, covers financial harm from negligent professional services, which the CGL excludes. A fidelity bond covers employee dishonesty.
6. A property insurance policy may be transferred to a new owner:
- A.Only with the insurer's written consent
- B.Automatically when the deed is recorded
- C.Only if the policy has been in force one year
- D.Freely, because the policy follows the property
Answer: A. Property insurance is personal to the insured and the insurer underwrites the person, so assignment requires the insurer's consent. The policy does not follow the property.

Illinois property and casualty insurance exam practice: common questions

How many questions are in the Illinois practice exam?

150. They make one full-length practice exam and 4 training sets by content area. Full-length practice exam: 150 questions, 90 general and 60 Illinois.

What score do I need on the Illinois practice exam?

The practice exam passes at 70 percent, the line Tigertest uses for Illinois. A practice score does not predict your result on the real exam, so use it to find the content areas to drill.

Does this cover Illinois law?

Yes. National questions were checked against Illinois law, and the Illinois-only questions cover the state's own statutes and rules. Source-checked practice on the Pearson VUE Illinois outlines (#121402, Oct 2026). Not affiliated with the Illinois Department of Insurance or Pearson VUE; confirm rules in official Illinois Department of Insurance materials.

Is the Illinois property and casualty insurance exam practice free?

It is free to start with no account. The full-length practice exam and every training set but the last are free; the final set, Commercial Lines & Other Coverages, is part of Tigertest Premium, a one-time purchase with no subscription that also covers every other exam on Tigertest.

I am testing in another state. What should I use?

Tigertest has 13 state versions of this exam. For any other state, use the national practice, which covers the general portion that is the same wherever you test.

Other states and the national practice

Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.

Ready for the Illinois property and casualty insurance exam?

Start for free. No account required. 150 questions checked against Illinois law.