- CT-PC is the Connecticut Property & Casualty Insurance Producer Exam, exam code 12-CT-04, delivered by Pearson VUE.
- The test has 145 multiple-choice questions (130 scored, 15 pretest), a 2-hour-30-minute limit, and a $105 fee.
- You need a 70% passing score and 40 hours of approved P&C prelicensing education before you can sit for it.
- Casualty: Types of Policies, Bonds, and Related Terms is the single largest domain at 17.7% of the exam.
What Is CT-PC, Exactly?
CT-PC stands for the Connecticut Property & Casualty Insurance Producer Exam. It's the state licensing test that anyone who wants to sell, solicit, or negotiate property and casualty insurance in Connecticut must pass. This isn't a voluntary professional certification you add to a resume for prestige - it's the mandatory gatekeeper exam standing between a prospective agent and an active P&C producer license issued by the Connecticut Insurance Department.
The exam is officially designated 12-CT-04 and is a single, combined, closed-book, multiple-choice assessment. That means property and casualty content isn't split into two separate tests the way some states handle lines of authority - Connecticut bundles both lines into one exam session, which changes how you should budget your study time across topics.
Who Administers the Exam
The Connecticut Insurance Department sets the licensing requirements and exam content outline, while Pearson VUE handles day-to-day test administration, scheduling, and delivery at testing centers. If you've ever wondered why exam logistics (rescheduling, ID requirements, testing center policies) look similar to other state insurance exams, it's because Pearson VUE administers licensing tests for many states using a consistent delivery platform - but the content, domain weights, and passing standard are entirely Connecticut-specific.
Connecticut also offers the exam in Spanish. Candidates who choose Spanish delivery are permitted to switch between Spanish and English during the test session, which is a helpful accommodation if certain insurance terminology is easier to reason through in one language versus the other.
Exam Format and Fee Mechanics
Understanding the mechanics of 12-CT-04 matters just as much as knowing the content, because pacing and scoring rules directly affect your strategy on test day.
- Question count: 145 total multiple-choice questions - 130 are scored and 15 are unscored pretest items mixed in (you won't know which is which, so treat every question as if it counts).
- Time limit: 2 hours and 30 minutes for the entire test.
- Format: Closed-book, combined property and casualty content in one sitting.
- Fee: $105 per attempt.
- Passing score: 70%.
Because it's closed-book, there's no reference material or formula sheet available at the testing center - everything must be internalized beforehand. With 145 questions in 150 minutes, you have roughly a minute per question, which leaves some cushion for flagging and reviewing difficult items but not enough room for extended second-guessing. If you want a granular breakdown of how the passing threshold interacts with scored versus pretest questions, the CT-PC Passing Score 2026: Exactly What You Need to Pass guide walks through it in detail, and the CT-PC Certification Cost 2026: Complete Pricing Breakdown article covers the $105 fee alongside other costs candidates often overlook, like prelicensing course tuition.
Key Takeaway
Because all 145 questions look identical on screen, don't try to guess which are pretest items - pace yourself as if every question is scored, and save flagged questions for a final review pass if time allows.
The 10 CT-PC Exam Domains
The current 12-CT-04 outline is organized into ten content domains spanning property, casualty, and Connecticut-specific statutes. The outline in effect from October 27, 2025 through August 31, 2026 uses the weights below; Pearson has also published a revised outline effective September 1, 2026 that keeps the same domain counts and weights for the P&C content, so this structure should remain a reliable study map for some time.
Domain 4: Casualty - Types of Policies, Bonds, and Related Terms (17.7%)
This is the largest single domain on the exam, so it deserves the most study hours. Expect questions on liability policy types, bonds, and the terminology that distinguishes one casualty product from another.
- Highest-weighted domain overall
- Heavy on policy-type identification and terminology
Domain 1: Property - Types of Policies (16.9%)
The second-largest domain, covering the property policy forms a producer needs to recognize and explain to clients.
- Nearly matches Domain 4 in weight
- Focus on distinguishing policy types and coverage structures
| Domain | Weight |
|---|---|
| 1. Property: Types of Policies | 16.9% |
| 2. Property: Insurance Terms and Related Concepts | 11.5% |
| 3. Property: Policy Provisions and Contract Law | 10.0% |
| 4. Casualty: Types of Policies, Bonds, and Related Terms | 17.7% |
| 5. Casualty: Insurance Terms and Related Concepts | 11.5% |
| 6. Casualty: Policy Provisions | 9.2% |
| 7. CT Statutes Common to Life, A&H, Property, and Casualty | 13.8% |
| 8. State Statutes Common to Property and Casualty Only | 2.3% |
| 9. State Statutes Pertinent to Property Only | 3.1% |
| 10. State Statutes Pertinent to Casualty Only | 3.8% |
Notice that Domains 1, 2, 4, and 5 together account for well over half the exam - property and casualty policy types plus their related insurance terms are the backbone of 12-CT-04. Domain 7, covering Connecticut statutes common across life, accident and health, property, and casualty insurance, is the largest of the legal/regulatory domains at 13.8%, while Domains 8, 9, and 10 are narrower, lower-weighted slices of state-specific rules. For a full domain-by-domain study breakdown with subtopics under each heading, see the CT-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Eligibility and Prelicensing Requirements
Before you can even schedule 12-CT-04, Connecticut requires you to meet two baseline conditions:
- Age: You must be at least 18 years old.
- Prelicensing education: Completion of 40 hours of approved Property and Casualty prelicensing coursework, unless you qualify for an approved waiver or exemption (for example, certain designations or reciprocal licensing situations may apply).
These aren't suggestions - they're prerequisites verified before exam registration is finalized. If you're unsure whether you qualify for a waiver or need clarity on how the 40-hour requirement is documented, the CT-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify page lays out the qualification path step by step.
What Happens After You Pass
Passing 12-CT-04 gets you licensed, but it isn't the end of your regulatory obligations. Connecticut resident producers must complete 24 continuing education credits per renewal period, and that total must include 3 credits specifically in laws, regulations, or ethics. This CE cycle repeats for as long as you hold an active license, so staying licensed is an ongoing commitment, not a one-time event.
There's also a newer requirement to plan for: effective April 15, 2026, P&C producers must complete a one-time 3-credit NFIP flood insurance course before their next license renewal. If your renewal window falls on or after that date, budget time for this flood course alongside your standard CE credits - it's a one-time addition, not a recurring annual requirement, but missing it before renewal could delay your license status.
Who Hires CT-PC Producers
A CT-PC license opens the door to work as a property and casualty producer at independent agencies, captive insurance carriers, brokerages, and financial services firms operating in Connecticut. Because the exam covers both property and casualty lines in one combined test, licensed producers are qualified to sell across a broad range of personal and commercial lines products - homeowners, auto, commercial property, general liability, bonds, and more - without needing a second separate P&C exam.
Employers hiring for these roles typically look for the active license itself as the baseline credential, then evaluate candidates on sales aptitude, client service skills, and product knowledge built on top of the license. If you're evaluating whether pursuing this license is worth the time and cost relative to the work you'd be doing, the Is the CT-PC Certification Worth It? Complete ROI Analysis 2026 article and the CT-PC Salary Guide 2026: Complete Earnings Analysis break down the career-side considerations in more depth, and CT-PC Jobs looks at the kinds of roles that specifically require this license.
How to Approach Preparation
Given the domain weights, your study time should mirror the exam's own emphasis rather than being spread evenly. Casualty policy types and bonds (17.7%) and Property policy types (16.9%) together make up more than a third of the test, so those two domains deserve the earliest and most repeated review sessions. Connecticut-specific statutes in Domain 7 (13.8%) come next, since regulatory questions tend to reward precise memorization rather than conceptual reasoning.
Property and Casualty Policy Types
- Work through Domains 1 and 4 first since they carry the most combined weight
- Build flashcards distinguishing policy forms and endorsements by name
Insurance Terms and Policy Provisions
- Cover Domains 2, 3, 5, and 6 together since terminology overlaps across property and casualty
Statutes and Final Review
- Focus on Domain 7's common statutes, then the narrower state-specific Domains 8-10
- Run full-length practice sessions under the 150-minute time limit
Spacing your review sessions and revisiting weaker domains multiple times before test day tends to outperform a single cram session, especially given how densely the terminology-heavy domains overlap. For a more detailed week-by-week plan built specifically around this outline, see the CT-PC Study Guide 2026: How to Pass on Your First Attempt. If you want a quick-reference summary of high-yield facts to review the night before your exam, the CT-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the outline into a single page.
Running full-length timed practice sessions on our practice test platform before exam day is one of the most reliable ways to confirm you can sustain accuracy for all 145 questions within the 150-minute limit. Because pretest items are mixed in with scored questions, practicing under realistic time pressure on a full practice exam helps you build the pacing habits that carry over directly to test day.
Key Takeaway
Study Domains 1 and 4 first - together they represent more than a third of the exam and set the terminology foundation the rest of the outline builds on.
Frequently Asked Questions
No. CT-PC specifically refers to the Connecticut Property & Casualty Insurance Producer Exam (12-CT-04), the mandatory state licensing test administered through the Connecticut Insurance Department and delivered by Pearson VUE. It is not a voluntary industry certification.
The exam has 145 multiple-choice questions total - 130 scored and 15 unscored pretest questions - with a 2-hour-30-minute time limit to complete the entire combined property and casualty test.
You need a 70% passing score on the scored portion of the exam. For a full explanation of how that threshold applies against the 130 scored questions, see the CT-PC Passing Score guide linked above.
Yes. Candidates must be at least 18 years old and complete 40 hours of approved Property and Casualty prelicensing education, unless they qualify for an approved waiver or exemption.
Resident producers complete 24 continuing education credits per renewal period, including 3 credits in laws, regulations, or ethics. Starting April 15, 2026, P&C producers must also complete a one-time 3-credit NFIP flood course before their next renewal.