How many questions are on the Illinois P&C exam?

There are 191 total questions on the exam, split into 92 questions for Property and 99 questions for Casualty. Note that 24 of these are unscored pretest questions (12 in each section) that do not impact your final score.

What is the passing score for the Illinois Property & Casualty exam?

You need a score of 70% to pass both the Property and Casualty portions of the test. The passing score is set by the provider at a fixed 70% for each section and is the same for all candidates.

How long is the test?

Candidates are given a total of 270 minutes (4.5 hours) to complete the exam. The time limit is divided evenly, with 135 minutes allotted for Property and 135 minutes allotted for Casualty.

Where do I take the exam?

The exam is delivered in-person at a Pearson VUE testing center. Please note that remote online testing for Illinois insurance exams ended in January 2025.

How much does the Illinois P&C exam cost?

The registration fee for the combined Illinois Property and Casualty insurance exam is $92.

How long should I study for the IL-PC exam?

Most candidates spend between 50 and 70 hours preparing. The heavy emphasis on state-specific insurance regulations and the broad scope of casualty policies require a structured study plan over several weeks.

← Insurance Licensing

IL-PC · Syllabus & Exam Outline 2026

Illinois Property & Casualty Insurance License Exam

Exam-aligned study paths covering the national Property & Casualty insurance core plus Illinois insurance law - Illinois Department of Insurance rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 191 total questions (Property: 92 questions [80 scored, 12 pretest]; Casualty: 99 questions [87 scored, 12 pretest])
Time limit: 270 minutes total (135 minutes for Property, 135 minutes for Casualty)
Passing score: 70%
Cost: $92
Format: Multiple choice
Delivery: In-person at a Pearson VUE testing center (remote testing ended in January 2025)
Prep time: ~60 hours

Exam overview

The Illinois Property & Casualty (IL-PC) Insurance License Exam is a crucial step for aspiring insurance producers in Illinois. Administered by Pearson VUE under the authority of the Illinois Department of Insurance (IDOI), this dual-line examination evaluates a candidate's readiness to sell and service property and casualty policies. The test covers a blend of nationally uniform insurance principles and state-specific regulatory frameworks, ensuring producers understand both general coverage concepts and Illinois consumer protection laws. Candidates will be tested extensively on a variety of personal and commercial coverages, ranging from Homeowners and Auto policies to complex Business Owners Policies (BOP) and Workers Compensation. Additionally, a significant portion of the exam is dedicated to general insurance regulations, focusing heavily on producer licensing requirements, unfair trade practices, and the statutory powers of the IDOI. Mastering these components is essential to achieving a passing score and securing your license. Preparing for such a comprehensive exam requires a strategic approach to studying. Only Ever maps every domain to 15-minute study topics, keeping your preparation structured, engaging, and focused on the core objectives. By breaking down intricate policy provisions and state statutes into bite-sized lessons, you can build a solid foundation and confidently approach test day.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on the defining characteristics and differences between Homeowners (HO) and Dwelling (DP) policy forms. Memorize the core coverages within the Commercial Package Policy (CPP) and Business Owners Policy (BOP), and understand the basics of specialty policies like Flood and Inland Marine.

Key objectives

Homeowners Policies (HO-2 through HO-8)
Dwelling Policies (DP-1, DP-2, DP-3)
Commercial Package Policy and Commercial Property Forms
Business Owners Policy (BOP), Builders Risk, and Cyber
Inland Marine Insurance
National Flood Insurance Program
Other Property Policies

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Part A: Property Insurance - Types of Policies

Review

Can you distinguish the coverage differences between an HO-3 and an HO-5 policy?
Do you know what types of small businesses qualify for a Business Owners Policy (BOP)?

Part A: Property Insurance - Terms and Related Concepts

Review

Can you calculate a claim payout using Actual Cash Value versus Replacement Cost?
How does a coinsurance clause penalize an underinsured property owner during a partial loss?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

What critical pieces of information are exclusively found on a policy's Declarations page?

Part B: Casualty Insurance - Types of Policies, Bonds, and Related Terms

Review

What are the main differences between a fidelity bond and a surety bond?

Part B: Casualty Insurance - Terms and Related Concepts

Review

How does a retroactive date function in a claims-made liability policy?

Part B: Casualty Insurance - Policy Provisions

Review

What are the specific duties of an insured immediately following a liability loss or lawsuit?

Part VII: General Insurance Regulation (Nationally-Uniform Framework)

Review

What are the continuing education requirements for renewing an Illinois producer license?
Can you identify examples of rebating, twisting, and illegal misrepresentation under Illinois law?

Quick reference

Essential Policy Acronyms

Common abbreviations used throughout the exam and industry.

HO: Homeowners Policy
DP: Dwelling Policy
BOP: Business Owners Policy
CPP: Commercial Package Policy
NFIP: National Flood Insurance Program
NAIC: National Association of Insurance Commissioners
TRIA: Terrorism Risk Insurance Act
FCRA: Fair Credit Reporting Act

Key Insurance Principles

Foundational terms tested in the Property & Casualty core knowledge sections.

Indemnity

The principle of restoring an insured to the same financial condition they were in prior to a loss, without allowing them to profit.

Subrogation

The legal right of an insurance company to seek damages from a third party after reimbursing the insured for a loss caused by that third party.

Proximate Cause

An uninterrupted, direct chain of events resulting from an initial covered peril that ultimately leads to a loss.

Peril

The specific cause of a loss, such as fire, windstorm, or theft.

Hazard

A condition or situation that increases the probability or severity of a loss occurring (can be physical, moral, or morale).

Frequently asked questions

Good to know

The exam includes 24 unscored pretest items (12 in the Property section and 12 in the Casualty section) which are indistinguishable from scored items.
The exam is administered in two distinct sections (Property and Casualty) with separate time timers of 135 minutes each.
Passing requires a 70% fixed score on each respective section to qualify for the combined license.

Reading isn’t remembering.

Illinois Property & Casualty prep blends nationally-uniform insurance concepts with Illinois-specific law, and most materials muddle the two.

Only Ever teaches the shared national Property & Casualty core once, then layers Illinois insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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