How much does it cost to get a life and health insurance license?
Costs vary by state, but plan for three or four expenses: a prelicensing course if your state requires one (prices vary widely by provider and format), the licensing exam (fees usually run $40 to $150), the state application fee, and a fingerprint background check where required. The National Insurance Producer Registry (NIPR) adds a $5.60 transaction fee on top of state fees, and exam fees apply to each attempt.
Required fees for an Alabama life and health license are the $75 combined Life & Health exam (or $50 each for the separate Life and Health exams), the $80 producer license application through NIPR, and a fingerprint background-check fee charged by the state's approved vendor. No prelicensing course is required, so any exam preparation costs are optional. Each exam attempt requires its own registration and fee.
Sources: University of Alabama: Alabama insurance testing (state exam administrator); NIPR: Alabama resident individual renewal requirements; Alabama Department of Insurance (ALDOI) – Adjuster Requirements.
State fees for a Life and Health producer license in Alaska are an $89 exam fee, a $75 application fee, and a $48.25 fingerprint card evaluation fee. At a physical Pearson VUE test center, you can take both the Life and Health exams in one session for the single $89 fee; online testing charges the fee for each exam separately. The state handbook lists optional study material providers, which are the only additional costs.
Sources: Pearson VUE: Alaska insurance candidate handbook.
The required fees for an Arizona life and health license include a $59 exam for the combined Life, Accident and Health test, $30.69 for fingerprinting, a $120 license application fee, and a $5.60 National Insurance Producer Registry (NIPR) transaction fee. You must submit the application within one year of passing the exam, or your score expires.
Sources: PSI: Arizona insurance candidate information bulletin (revised June 11, 2026); Arizona Department of Insurance and Financial Institutions (DIFI) Fee Schedule; NIPR help: Apply for an initial license.
A life and health license in Arkansas carries a $20 application fee through the National Insurance Producer Registry (NIPR) and a $50 PSI exam fee for each line, since Life and Accident & Health are separate exams that can be taken together. You must also complete the online criminal background check and a prelicensing course in each line, and course prices vary by provider.
Sources: PSI: Arkansas insurance candidate information bulletin.
California's mandatory costs are $98 at exam registration, which combines the $55 state examination fee with a $43 PSI convenience fee, a $188 license filing fee for the two-year term, and $74 for fingerprints through the state's live scan vendor. Most applicants also buy a commercial exam-prep course, and prices for those courses vary by provider.
Sources: California CDI: Insurance license exam info; California CDI: Licensing fees and schedule of fees and charges; California CDI: Resident licensing fingerprint requirements.
Effective April 1, 2026, the Colorado licensing exam costs $41, and one $41 fee covers up to two exams taken in a single session, so you can test for Life and Accident and Health together. The license application fee is $44 per line of authority, so testing for both lines in one session and paying per line keeps state fees low. Prelicensing course prices vary by provider and are additional.
Sources: Pearson VUE: Colorado Insurance Licensing Candidate Handbook (July 2026, #120600).
In Connecticut, the combined Life, Accident & Health or Sickness exam costs $105; the separate Life and A&H exams cost $65 each, as of March 2026. Pre-licensing education is 40 hours for the combined lines (20 hours per single line), and course prices vary by provider. The individual producer license application fee is $140.
Sources: Pearson VUE: Connecticut insurance candidate handbook (March 2026, #120700).
A Delaware life and health license costs $90 for the licensing exam and $125 for the producer license application. If you schedule the Life and Accident and Health exams on the same day, you pay one $90 fee. You must also pay for the State Criminal Background Report required with your application. Delaware requires no prelicensing education, so optional exam preparation is extra.
Sources: Pearson VUE: Delaware Insurance Candidate Handbook (June 2025).
The main costs are the exams and the license. Each Pearson VUE exam costs $75, and DC does not offer a life and health combination exam, so the Life and Health exams must be taken and paid for separately. The individual producer license fee is $100, and fingerprinting through Fieldprint adds $31.50.
Sources: Pearson VUE: District of Columbia insurance candidate handbook; DC DISB: Insurance Bureau schedule of fees, taxes and deposits; DC DISB: Fingerprinting requirements.
A Florida life and health (2-15) license requires a $50 application fee, a $5 license ID fee, a $44 exam fee paid to the examination vendor, and $52.50 for fingerprinting plus local county sales tax. You must also complete a 60-hour prelicensing course, and course prices vary by provider and format. All state fees are nonrefundable, and card payments on the application add a $2.45 convenience fee.
Sources: Florida DFS: fees and payment methods; Pearson VUE — Florida Insurance Examination Content Outlines (effective January 1, 2026); Florida DFS: 2-15 resident life, health and variable annuity agent qualifications.
Plan on the Pearson VUE exam fee of $67 and the state fees of $100 for the license plus $20 for processing. You also pay for the prelicensing education, which is an 8-hour Life course and an 8-hour Accident and Sickness course, and you bear the cost of the required electronic fingerprinting. Course prices vary by education provider.
Sources: Pearson VUE: Georgia Insurance Licensing Candidate Handbook (Oct 2026, #121100).
The Idaho Department of Insurance charges $65 per line exam, so the Life and Accident Health and Sickness exams cost $65 each. Fingerprinting costs $65 electronically or $61.25 by hard card, and the NIPR application fee is $80. Idaho requires no pre-licensing education, so a paid prep course is optional.
Sources: Idaho DOI: Testing and fingerprints; Idaho Department of Insurance — Testing and Fingerprints page.
Each line requires its own General and State exams, priced at $92 each or $92 total when the pair for a line is processed on the same order. The resident license fee is $215, NIPR adds a $5.60 transaction fee, and 20 hours of pre-licensing education per line costs an amount that varies by provider. The license renews every two years at $215, along with 24 hours of continuing education including 3 hours of ethics.
Sources: Illinois IDOI: FAQs – Producer licensing exam changes (Pearson VUE testing); Illinois IDOI: Fee schedule; NIPR help: Apply for an initial license; Illinois IDOI: How to become a resident producer (Illinois insurance agent); Illinois IDOI: How to renew your resident producer license (CE).
Expect two mandatory state fees for a Life and Health license: $69 for the combined Pearson VUE exam and $40 for the application. Before that, you must complete 40 hours of pre-licensing education, and course prices vary by provider. Both exam and application fees are paid at the time of scheduling or submission, and the application fee is nonrefundable.
Sources: Pearson VUE: Indiana insurance candidate handbook (Aug 2026); NIPR: Indiana resident individual renewal requirements.
The required exam fees are $44 for the Life exam and $44 for the Accident & Health exam, paid to Pearson VUE at reservation, plus the Iowa license fee paid with the application through the National Insurance Producer Registry (NIPR). Prep spending is optional, since neither the Iowa Insurance Division nor Pearson VUE endorses particular study materials, and private prep prices vary by provider.
Sources: Pearson VUE: Iowa insurance candidate handbook (incl. content outlines, July 2025 / effective Jan 2026).
A Kansas life and health license requires three state fees: a $30 application fee, a $60 fingerprint background check fee, and the $64 combined Life and Accident and Health exam. Kansas requires no prelicensing education, so an optional study course is the only other cost, and prep prices vary widely by provider. Retakes add $64 per attempt.
Sources: K.S.A. 40-4905: License application, fingerprinting and background check; Kansas KDOI: Producer licensing (resident and nonresident); Kansas KDOI: Producer examinations.
For Kentucky residents applying for both lines, the state charges a $40 license fee, $40 for each of the two lines of authority ($80), and $50 for each of the two exams ($100). The criminal background report through the Kentucky Administrative Office of the Courts carries an additional nonrefundable fee. Prelicensing course prices vary by provider and are extra, and fees paid with the application are not refundable.
Sources: NIPR: Kentucky Resident Individual Renewal Requirements.
In Louisiana, the combined Life, Health and Accident or Sickness exam (PSI Series 103) costs $58, while taking the Life (Series 101) and Health and Accident or Sickness (Series 102) exams separately costs $36 each. You must also file the license application through the National Insurance Producer Registry (NIPR) and complete fingerprinting through IdentoGo to be licensed. Exam fees are not refundable or transferable.
Sources: PSI: Louisiana Department of Insurance candidate information bulletin.
The combined Life, Accident & Health exam costs $80, or you can take the separate Life and Accident & Health exams at $55 each. After passing, you must also submit an application and fee to the Maine Bureau of Insurance before the license is issued, so count that as a separate cost beyond the exam.
Sources: Pearson VUE: Maine insurance candidate handbook (incl. exam content outlines, March 2026).
A life and health license requires $65 for each Prometric exam attempt plus a $54 application fee, paid through the National Insurance Producer Registry (NIPR). Study materials are optional, because Maryland stopped requiring prelicensing coursework on October 1, 2024, and their cost varies by provider. Renewal every 2 years costs $69.
Sources: Maryland MIA: Licensing and registration fees; Maryland MIA: Producer initial and renewal licenses (Life, Health, Property, Casualty, Variable, Personal Lines).
The regulatory costs are $37 for the Life exam and $37 for the Accident and Health or Sickness exam, each paid to Pearson at the time of reservation, plus the state application fee submitted through the National Insurance Producer Registry (NIPR). Exam fees are non-refundable, and a retake requires paying the exam fee again. Optional costs include exam prep, whose prices vary by provider, and Pearson's online practice tests.
Sources: Pearson VUE: Massachusetts insurance candidate handbook.
A Michigan Life and Accident and Health license costs $41 for the combined exam, or $41 each for separate Life and A&H exams, plus a $10.00 state application fee and a $5.00 NIPR transaction fee. The combined Life and Health coursework totals 40 hours, and course prices vary by provider, so the coursework is typically the largest cost.
Sources: PSI: Michigan insurance candidate information bulletin; Michigan DIFS: How to become licensed as a resident producer; Michigan DIFS: Insurance pre-licensing education FAQ.
For a Minnesota life and health license, PSI charges $45 for the combined Life, Accident & Health exam, fingerprinting costs $66.75 at a PSI test site, and the application through Sircon carries its own fees. Prelicensing education is 20 hours per line, so two lines mean double the coursework; course prices vary by provider.
Sources: PSI: Minnesota Insurance Candidate Information Bulletin.
The state charges $100 for the Life, Accident & Health producer license and $50 per exam attempt, whether you take the combined exam or the separate Life and Accident & Health exams. The combined track requires 40 hours of prelicensing education (20 hours per line if taken separately), and course prices vary by education provider. Pearson VUE also offers online practice tests for Life and Health at www.pearsonvue.com.
Sources: Pearson VUE: Mississippi insurance candidate handbook (PDF, July 2025).
The required costs are two fees: the combined Life, Accident and Health exam (code 54) costs $40, and the Missouri producer application fee is $100. Missouri requires no pre-licensing course, so the only other expense is optional exam preparation, which varies by provider. Taking the Life and Accident and Health exams separately instead costs $32 each.
Sources: Pearson VUE: Missouri insurance candidate handbook (March 2026); Missouri DCI: Resident producer licensing requirements.
Montana requires no prelicensing course for producers, which keeps state costs low. Each Pearson VUE exam costs $65, and Life and Disability are separate exams, so you pay the $65 exam fee for each line. The resident producer application carries no state fee, and the fingerprint background check costs $30, payable to Montana Criminal Records.
Sources: Pearson VUE: Montana insurance candidate handbook (June 2025); Montana CSI: Fingerprints for insurance licensing purposes.
The combined Life, Accident and Health exam costs $47, and the resident license application fee is $50. Nebraska requires no pre-licensing education, so there are no mandatory course costs. If you take the Life and the Accident and Health exams separately, each costs $43.
Sources: PSI: Nebraska Insurance Licensing Examination Candidate Information Bulletin; Nebraska DOI: Licensing Fee Schedule (7/17/2026).
Required fees come to a few hundred dollars: the Life/Health combined exam costs $47 (or $37 for each single-line exam), the state application fee is $185, and NIPR adds a $5.60 transaction fee if you file through it. Fingerprinting costs extra at the vendor. Optional Pearson VUE practice tests run $19.95 each, and printing the license is free through Sircon for the first 30 days after issuance.
Sources: Pearson VUE: Nevada Insurance Candidate Handbook (October 2024); Nevada Division of Insurance – Producer Licensing (Individuals) page and DOI Licensing FAQs for Applicants and Licensees; NIPR Help: Apply for an Initial License; Pearson VUE: Nevada Insurance Licensing Exams (program page).
The required costs are the exam fee and the $210 license application fee, because New Hampshire does not require a prelicensing course. The Life exam (series 12-61) and the Accident and Health exam (12-62) each cost $59, or $72 for the combined Life, Accident and Health exam (12-63). Exam fees are non-refundable and non-transferable.
Sources: New Hampshire NHID: Licensing fees; PSI: New Hampshire insurance candidate information bulletin.
The fixed fees are $38 for each of the two PSI exams (life, and accident and health), $66.05 for Live Scan fingerprinting, and $170 in state fees for the standard electronic application. Prelicensing course prices vary by provider and are set separately. Retaking an exam requires paying the $38 fee again.
Sources: PSI: New Jersey insurance candidate information bulletin; New Jersey DOBI: Insurance producer licensing fees; New Jersey DOBI: Insurance licensing and education hub.
The mandatory state fees are $75 for the licensing exam, $67 for the national background check, and $30 for the application filed through NIPR. You can take the combined Life, Accident and Health exam or separate life and accident and health exams, each at $75. Optional study courses are extra, since New Mexico requires no prelicensing education.
Sources: PSI: New Mexico Insurance Candidate Information Bulletin; New Mexico Office of Superintendent of Insurance — Individual Licensing Instructions (PDF); New Mexico OSI: License Fees 2026.
The fixed costs are the $40 PSI exam fee and the $80 New York resident license fee ($40 for a term of one year or less). The largest variable cost is the prelicensing course, and prices vary by provider and course package. Candidates who pass on the first attempt should plan on a total in the low hundreds of dollars.
Sources: New York DFS: Property and casualty / personal lines agent or broker licensing.
The Life line carries a $50 registration fee plus the $44 application processing fee ($94 total), and each additional line of authority adds another $50, so the Accident and Health or Sickness line brings that charge again. Fingerprints cost $38 for an initial license, each Pearson VUE exam attempt costs $45 (one exam per line), and NIPR adds a $5.60 transaction fee. Add those fees together before any study materials.
Sources: North Carolina NCDOI: Licensing checklist for new resident license; North Carolina NCDOI: Resident license application fees; North Carolina NCDOI: Resident licensing requirements chart; Pearson VUE: North Carolina insurance candidate handbook (October 2025).
The main costs are the two exams and the application. Each exam, Life and Annuity and Accident and Health, costs $64, fingerprinting costs $43 by check or money order to the North Dakota Attorney General plus a $29 PSI processing fee, and the NIPR application fee is $100.
Sources: North Dakota NDID / PSI: Insurance licensing examination candidate information bulletin (Dec 27, 2024); North Dakota NDID: Apply for a resident producer license.
The fixed fees are modest: a $49 PSI exam fee per sitting, up to $72.25 for fingerprinting (BCI charge $22.00, FBI charge $25.25, plus the vendor service fee), and a $10 application fee per line of authority, so $20 for both Life and Accident & Health. You must also complete 20 hours of pre-licensing education for each line, and course prices vary by provider, so most candidates spend a few hundred dollars in total.
Sources: Ohio ODI: Exam reservation and scheduling; Ohio ODI: Criminal background check (fingerprints); Ohio ODI: License fees and application fee chart; Ohio ODI: Pre-licensing education.
Expect to pay about $100: the producer exam costs $38 and the resident license application fee is $60, plus a small online processing charge. Oklahoma does not require a pre-licensing course, and the department's official study manual costs $20 as a PDF, $30 as an eBook, or $35 plus a portal fee in print. A non-resident license costs $100 instead of $60.
Sources: Oklahoma PSI: Insurance Licensing Examination Candidate Information Bulletin; Oklahoma OID: License Fee Schedule (revised 09/07/2023); Oklahoma OID: Exam Study Manuals.
Course prices vary by school, and the 20-hour course for each of life and health typically costs a few hundred dollars. Beyond the course, you pay $55 for the combined Life and Health exam, a $61.25 fingerprint and background check fee, and the $100 state application fee plus NIPR's transaction fee. Most applicants spend several hundred dollars in total once course costs are included.
Sources: Oregon DFR: Producer licensing; Oregon DFR: Fees and forms; NIPR: Oregon resident individual licensing requirements.
For a Pennsylvania resident, the Life, Accident and Health combination exam (16-03) costs $55.00, or you can take the Life (16-01) and Accident and Health (16-02) exams separately at $45.00 each. Add the $55 resident application fee and the $26.20 fingerprinting fee paid at the IdentoGO center. Applying electronically also adds a small service fee, about $12.50 through the state's online system.
Sources: PSI: Pennsylvania Insurance Licensing Examination Candidate Information Booklet; Pennsylvania Insurance Department — Licensing Fee Schedule.
A life and health license in Rhode Island costs $80 per exam, $120 for the license application, and $5 for the background check. You must pass the Life Producer and Accident & Health Producer exams separately, but if you schedule them back-to-back in one test session the second exam fee is waived, so the two exams cost $80 total.
Sources: Pearson VUE: Rhode Island insurance content outlines (effective May 28, 2026); Rhode Island Department of Business Regulation — Insurance Regulation 103 / 230-RICR-20-50-5 (Licensing and Renewal Fees); 230-RICR-20-50-5: Licensing and renewal fees.
The main costs are the exam fee and the license fee. You can take the combined Life, Accident and Health exam as a single $59 exam, or take the Life exam and the Accident and Health exam separately at $59 each. The resident producer license fee is $25, and fingerprint costs are the applicant's responsibility; the state publishes no dollar amount for fingerprinting.
Sources: South Carolina Department of Insurance (SCDOI) and Pearson VUE SC Insurance Candidate Handbook; South Carolina Department of Insurance — License Renewal page, corroborated by NIPR SC Resident Renewal fee schedule and S.C. Code § 38-43-80.
A South Dakota resident producer license costs $25 to apply, plus a service fee paid when you submit the online application through NIPR. The Division of Insurance fee table lists $25 to schedule a resident license exam through Pearson VUE. After licensing, the biennial renewal with continuing education fee is $20, and each insurer appointment adds $10.
Sources: SDCL 58-2-29: Division of Insurance fee schedule.
Plan for pre-licensing education, exam fees, and the application fee. Pearson VUE charges $55 for a single-line exam or $80 for the combined Life and Accident & Health exam, and the Tennessee application filing fee is $50 through the National Insurance Producer Registry (NIPR). Fingerprinting through IdentoGO adds a separate charge, and pre-licensing course prices vary by provider.
Sources: Pearson VUE — Tennessee Insurance Licensing Candidate Handbook (October 2026 edition, #124300).
The mandatory fees for a General Lines Life, Accident, and Health license are a $49 Pearson VUE exam fee (per the October 2024 candidate handbook) and a $50 TDI application fee. Fingerprinting through IdentoGO adds a separate vendor fee. Each failed exam attempt requires paying the exam fee again, and a one-time 180-day temporary license, if you use one, costs $150.
Sources: Pearson VUE: Texas insurance licensing candidate handbook (October 2024); Texas TDI: life agent license management (renewal); Texas TDI: general lines property and casualty license (apply).
The combined life and health exam costs $44, or $32 for each single-line exam. During the online application you pay $15 for state Bureau of Criminal Identification fingerprinting plus $13.25 for FBI fingerprinting, and Prometric charges a separate $6 processing fee. The individual full-line license fee is $70 under the state's fiscal year 2027 fee schedule. Optional study materials cost extra, since Utah requires no prelicensing course.
Sources: Prometric: Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025); Utah Insurance Department FY2027 Fee Schedule (H.B. 8).
The combined Life, Accident and Health exam (Series 14-29) costs $67.60 through Prometric, Vermont's exam vendor. Vermont's state fees add $60: a $30 application fee plus a $30 initial license fee under 8 V.S.A. 4800(2)(A). If you take the separate Life (Series 14-25) or Accident and Health (Series 14-27) exam instead, each costs $52.
Sources: Prometric: Vermont insurance licensing information bulletin; NIPR: Vermont resident individual licensing requirements; Vermont DFR: Producer license.
Expect roughly $100 in state fees: a $35 exam fee, a $15 application fee per line of authority ($30 for both Life and Annuities and Health), and the $37.95 Fieldprint fingerprinting fee. The combined Life, Annuities & Health exam (Series 11-01) covers both lines in one $35 sitting. NIPR transaction fees and any study materials are extra.
Sources: Va. Code § 38.2-1817: Examination for license; fee required; when fee forfeited; Prometric: Virginia Bureau of Insurance Licensing Information Bulletin (effective December 13, 2024); NIPR: Virginia resident individual licensing requirements; Virginia State Corporation Commission — Bureau of Insurance, License Renewals page (corroborated by NIPR Virginia Resident Individual Renewal requirements and Va. Code § 38.2-1825.1); Virginia State Corporation Commission - Bureau of Insurance, Apply for an Individual Virginia Insurance License.
Costs depend on your exam choice: the life and disability exams each cost $38, or you can take the combined Life and Disability exam for $55. Disability is Washington's term for the health line of authority. You will also pay the $55 full-lines producer license fee and the $52 fingerprinting fee for the background check as of October 1, 2026.
Sources: PSI Services LLC — Washington OIC Insurance Candidate Information Bulletin; Washington OIC: Fingerprint requirements.
In West Virginia, a life and health license costs $84 per Pearson VUE exam (Life and Accident and Sickness are separate exams), a $47.25 fingerprinting fee paid to Identogo, and a $50 application fee paid through the National Insurance Producer Registry (NIPR). You must also complete 20 hours of pre-licensing education per line, with double the hours if you pursue both lines, and course prices vary by education provider.
Sources: West Virginia Offices of the Insurance Commissioner fee schedule and Pearson VUE West Virginia Insurance Candidate Handbook (September 2026); West Virginia OIC: Licensing and Education Fees (fee schedule, updated 8/19/2026); West Virginia OIC: How to Apply for a Resident Producer License.
A Wisconsin resident pays $75 for each of the two PSI exams (life 22-01 and accident and health 22-03), $75 per line of authority for the license, a $10 application fee, and $34.75 for digital fingerprinting through Fieldprint. Prelicensing education costs extra and varies by provider; you need 20 hours per line, with the shared 8-hour principles, law, and ethics block counted only once within 12 months.
Sources: Wisconsin OCI: Insurance License Types and Fees; Wisconsin OCI: Fingerprinting Requirements; Wisconsin OCI: Prelicensing Requirements.
A Wyoming resident life and health license costs $100 for the application fee plus a $39 fingerprinting fee, and the license renews every two years for $100. You also pay Pearson VUE for the Wyoming Insurance Licensing Exam, and because Wyoming requires no prelicensing course, there is no mandatory coursework cost.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs.