A Denver applicant finishes her Colorado prelicensing course, which ends with a closed-book final exam monitored by a disinterested third party. Under Colorado Insurance Regulation 1-2-5, what score must she achieve on the course final to pass?

Why C is correct

Colorado Insurance Regulation 1-2-5 §6(B) requires a closed-book final exam passed at 70%, monitored by a disinterested third party or a qualified instructor. Note that 70% is the course-final standard only — the Colorado examination itself is scored on a scale set by the Division of Insurance with no published passing percentage.

Why the other options are wrong

• A) 60% does not meet the Reg. 1-2-5 §6(B) course-final passing standard of 70%.
• B) 85% is higher than the required 70% course-final passing score under Reg. 1-2-5.
• D) A perfect score is not required; the Reg. 1-2-5 course final is passed at 70%.

Memory hook

Course final: 70% closed book. State exam: scaled, no published number.

Why D is correct

Under Reg. 1-2-5 §6(B), the prelicensing course ends with a closed-book final exam that requires a score of 70% to pass and must be monitored by a disinterested third party or a qualified instructor. The 70% standard belongs to the course only; the state examination uses a scaled score set by the Colorado Division of Insurance with no published percentage.

Why the other options are wrong

• A) The course final is closed-book, not open-book, under Reg. 1-2-5 §6(B).
• B) Reg. 1-2-5 §6(B) sets a 70% minimum passing score for the course final.
• C) Passing the course final does not guarantee a passing score on the state exam, which uses a Division-set scaled score.

Memory hook

Course final: closed book, watched, 70%. The state exam keeps its pass score secret.