IL-PC · Syllabus & Exam Outline 2026
Illinois Property & Casualty Insurance License Exam
In short
The Illinois Property & Casualty (IL-PC) exam has 191 questions across property and casualty sections in 270 minutes total and requires a fixed 70% on each section. It covers property and casualty policy types, terms, policy provisions and contract law, and general insurance regulation. Free practice questions and a full study plan are below.
Practice deck · one-time $4.99
Unlock 1,000+ Illinois Property & Casualty Insurance License Exam active-recall practice cards
Lifetime access to the full deck, with free updates — on web and in the app. Make it yours: add your own sources and edit any card.
- Lifetime access
- Free updates
- Web + mobile app
- Fully editable
- 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
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
0 / 10
Part A: Property Insurance - Types of Policies
ReviewPart A: Property Insurance - Terms and Related Concepts
ReviewPart A: Property Insurance - Policy Provisions and Contract Law
ReviewPart B: Casualty Insurance - Types of Policies, Bonds, and Related Terms
ReviewPart B: Casualty Insurance - Terms and Related Concepts
ReviewPart B: Casualty Insurance - Policy Provisions
ReviewPart VII: General Insurance Regulation (Nationally-Uniform Framework)
ReviewQuick 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.