- Exam 12-CT-04 has 145 questions (130 scored), a 2-hour-30-minute limit, and a $105 fee.
- Passing score is 70%; Casualty Types of Policies, Bonds, and Related Terms is the largest domain at 17.7%.
- Applicants need 40 hours of approved prelicensing and must be at least 18.
- Current outline runs through August 31, 2026; a revised outline with the same domain weights starts September 1, 2026.
Exam Snapshot: The Numbers You Must Know
If you only have five minutes before your Pearson VUE appointment, this is the section to memorize. The Connecticut Property & Casualty Insurance Producer Exam, officially exam code 12-CT-04, is administered by Pearson VUE on behalf of the Connecticut Insurance Department. It's a single, combined, closed-book test covering both Property and Casualty content in one sitting - there is no separate Property-only or Casualty-only exam to schedule.
- Total questions: 145 (130 scored, 15 unscored pretest questions mixed in unlabeled)
- Time limit: 2 hours 30 minutes
- Format: Multiple-choice, closed-book
- Fee: $105 per attempt
- Passing score: 70%
- Minimum age: 18
- Prelicensing requirement: 40 hours of approved Property and Casualty prelicensing education (unless you qualify for an approved waiver or exemption)
Because the 15 pretest questions look identical to scored questions, don't waste mental energy trying to guess which ones "don't count." Treat every question with equal seriousness. For a deeper walkthrough of what the passing threshold actually means in practice, see CT-PC Passing Score 2026: Exactly What You Need to Pass.
Domain-by-Domain Cheat Sheet
The current content outline governs exams from October 27, 2025 through August 31, 2026. Pearson has already published a revised outline effective September 1, 2026, but the good news is the P&C domain counts and weights stay the same - so this cheat sheet remains valid across the transition. Here's every domain with its weight, ranked by size:
| # | Domain | Weight |
|---|---|---|
| 4 | Casualty: Types of Policies, Bonds, and Related Terms | 17.7% |
| 1 | Property: Types of Policies | 16.9% |
| 7 | CT Statutes, Rules, and Regulations Common to Life, A&H, Property, and Casualty | 13.8% |
| 2 | Property: Insurance Terms and Related Concepts | 11.5% |
| 5 | Casualty: Insurance Terms and Related Concepts | 11.5% |
| 3 | Property: Policy Provisions and Contract Law | 10.0% |
| 6 | Casualty: Policy Provisions | 9.2% |
| 10 | State Statutes Pertinent to Casualty Insurance Only | 3.8% |
| 9 | State Statutes Pertinent to Property Insurance Only | 3.1% |
| 8 | State Statutes Common to Property and Casualty Only | 2.3% |
Notice that the four Property and Casualty "types of policies" and "insurance terms" domains together account for well over half the exam. If your study time is scarce, that's where it needs to go first. For a full breakdown of every topic inside each domain, bookmark CT-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Domain 4 - Casualty: Types of Policies, Bonds, and Related Terms (17.7%)
This is the single largest domain on the exam, so it deserves the largest share of your review hours. Candidates must distinguish policy types, understand bond mechanics, and recognize how casualty coverages differ from property coverages in structure and intent.
- Know the defining features that separate one casualty policy form from another
- Be able to explain the purpose of common bond types tested on the exam
- Don't confuse casualty terminology with the parallel property terms in Domain 2
Domain 1 - Property: Types of Policies (16.9%)
Nearly tied with Domain 4 for exam weight, this domain tests your ability to identify and differentiate property policy forms and the situations each one is designed to address.
- Master the structural differences between major property policy categories
- Expect scenario-based questions rather than pure definition recall
- Cross-reference with Domain 3 (Policy Provisions and Contract Law) since provisions often modify these policy types
Domain 7 - CT Statutes, Rules, and Regulations Common to Life, A&H, Property, and Casualty (13.8%)
This is the largest of the state-law domains and covers regulatory material that applies across insurance lines, not just P&C. It's easy to underestimate because it feels "administrative," but at nearly 14% of the exam it can make or break a borderline score.
- Study licensing, appointment, and general conduct rules that apply department-wide
- Don't skip this domain just because it isn't line-specific - it's weighted higher than three of the coverage domains combined
Registration, Fees, and Eligibility Basics
Before you can sit for 12-CT-04, Connecticut requires that you be at least 18 years old and complete 40 hours of approved Property and Casualty prelicensing education, unless you've been granted an approved waiver or exemption. Once that's done, you register and pay directly through Pearson VUE, and the exam fee is $105 per attempt.
A detail many candidates overlook: the exam is available in a Spanish delivery format that permits switching between Spanish and English during the test session. If English isn't your first language, this flexibility can meaningfully reduce reading-comprehension pressure during the 2.5-hour window.
For the complete eligibility checklist - including what counts as an approved prelicensing provider and how exemptions work - see CT-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. If you're still budgeting for the license, CT-PC Certification Cost 2026: Complete Pricing Breakdown walks through every fee beyond just the exam charge.
Format Rules and What to Expect on Screen
Exam 12-CT-04 is closed-book - no reference materials, notes, or outside aids are permitted at the testing station. All 145 questions are multiple-choice, and since the 15 pretest items are unmarked and mixed throughout, you should pace yourself as if every question counts toward your score.
With 145 questions in 150 minutes, you have roughly one minute per question on average - but that budget isn't evenly usable in practice. Definition-recall questions in the terminology domains go quickly; scenario-based questions in the largest domains (Casualty Types of Policies and Property Types of Policies) take longer because they require applying a rule to a hypothetical claim or policyholder situation rather than just recalling a term.
- Flag and move on if a question requires re-reading twice - don't let one item eat five minutes
- Read the full question stem before looking at answer choices; P&C exams frequently use negatively-phrased questions ("which of the following is NOT covered")
- Watch for questions that combine a policy-provision concept (Domains 3 and 6) with a coverage-type concept (Domains 1 and 4) in a single scenario
For a candid assessment of how the format and pacing compare to other licensing exams, read How Hard Is the CT-PC Exam? Complete Difficulty Guide 2026. If you want to see how these format realities translate into outcomes, CT-PC Pass Rate 2026: What the Data Shows covers what's publicly documented.
Post-Exam Licensing and CE Facts
Passing 12-CT-04 is a milestone, not the finish line - you'll still need to complete the licensing application process with the Connecticut Insurance Department. Once licensed as a resident producer, ongoing continuing education keeps your license active.
- 24 CE credits per renewal period for resident producers
- Of those, 3 credits must be in laws, regulations, or ethics
- Effective April 15, 2026, P&C producers must also complete a one-time 3-credit NFIP flood course before their next renewal
That flood course requirement is new and easy to miss if you licensed before the effective date - mark your renewal calendar now so it doesn't catch you off guard. If you're weighing whether the licensing path is worth the time investment, Is the CT-PC Certification Worth It? Complete ROI Analysis 2026 and CT-PC Salary Guide 2026: Complete Earnings Analysis lay out the career-side considerations, while CT-PC Jobs covers where licensed producers typically find work - independent agencies, carriers, and brokerages writing Connecticut property and casualty business.
Key Takeaway
Don't treat the exam date as your final licensing milestone - the 3-credit NFIP flood course requirement starting April 15, 2026 applies to your first renewal cycle, not the exam itself.
Final-Week Review Plan
In the last stretch before your appointment, resist the urge to start new material. Instead, rotate through the domains in proportion to their weight, spending the most time on the two largest coverage domains and the largest statute domain.
Casualty & Property Types of Policies (34.6% combined)
- Drill policy-type differentiation flashcards for Domains 1 and 4
- Work scenario questions that force you to pick the correct policy form
Terms, Concepts, and Provisions (42.2% combined)
- Review Domains 2, 3, 5, and 6 together since terminology overlaps
- Focus on contract-law basics that appear in Property Policy Provisions
State Statutes (23% combined)
- Cover Domain 7 first - it's the largest statute domain at 13.8%
- Then hit the three smaller line-specific statute domains (8, 9, 10)
Full Simulation and Gap Repair
- Take a full 145-question timed simulation under the 2:30 limit
- Re-study only the domains where you missed the most items
This same weighting logic - biggest domains get the most hours - is the backbone of a longer-range study plan too. If you're starting further out from your exam date, CT-PC Study Guide 2026: How to Pass on Your First Attempt extends this into a multi-week structure. And when you're ready to test your recall under real time pressure, the practice exams at CT-PC Exam Prep mirror the 145-question, 150-minute format so there are no surprises on test day.
Frequently Asked Questions
Exam 12-CT-04 contains 145 multiple-choice questions total: 130 are scored and 15 are unscored pretest questions that are indistinguishable from the rest, so treat all 145 as if they count.
You need to score 70% or higher on the 130 scored questions. See CT-PC Passing Score 2026: Exactly What You Need to Pass for a full breakdown of how that translates to correct answers needed.
The exam fee is $105 per attempt through Pearson VUE, and you're given 2 hours and 30 minutes to complete all 145 questions in this single, closed-book, combined Property and Casualty test.
Casualty: Types of Policies, Bonds, and Related Terms is the largest domain at 17.7%, closely followed by Property: Types of Policies at 16.9%. Together they make up over a third of the exam.
Yes. The current outline runs through August 31, 2026, and a revised outline takes effect September 1, 2026. The Property and Casualty domain counts and weights remain the same across both versions, so this cheat sheet applies either way.
Yes. Effective April 15, 2026, Property and Casualty producers must complete a one-time 3-credit NFIP flood course before their next renewal, in addition to the standard 24 CE credits (including 3 in ethics/laws/regulations) required per renewal period.