What are the requirements to get a life and health insurance license?

For a life and health insurance license, you must be at least 18 years old and pass the state licensing exam for each line of authority you seek. Where your state requires prelicensing education, the NAIC Uniform Licensing Standards call for 20 hours per major line of authority, through classroom study, verifiable self-study, or a combination. Resident applicants for major lines must also submit to fingerprinting for criminal background checks. Many states waive the course for holders of designations such as CLU or for applicants already licensed for the same lines elsewhere.

Alabama requires a combined Life & Health applicant to be at least 18, pass the state licensing exam, and apply through NIPR with an $80 producer fee. The combined exam has 150 questions over 3 hours, requires 105 correct answers to pass, and costs $75. No prelicensing course is required as of January 1, 2024, and a passing score stays valid for 12 months.

For an Alaska life and health license, you must be at least 18, be a resident of and actually residing in Alaska, be trustworthy and competent, and pass the Life exam and the Accident and Health exam, each of which has a general portion and an Alaska state portion. Alaska requires no prelicensing education. You then apply through the National Insurance Producer Registry (NIPR) with a $75 application fee, one fingerprint card, and the $48.25 fingerprint card evaluation fee. The passing score is 70, and scores must be less than one year old when you file.

In Arizona, you must pass the exam for each line of authority you want and submit fingerprints to qualify for a life and health license. The Life exam costs $50, the Accident and Health exam costs $50, and the combined Life, Accident and Health exam costs $59, all with a 70% passing score. The license application fee is $120 through the National Insurance Producer Registry, and you must apply within one year of passing.

To obtain Life and Health licenses in Arkansas, you must complete a prelicensing education course for each line and hold a certificate of completion, submit the resident application through the National Insurance Producer Registry (NIPR) with a $20 fee, and clear the criminal background check. Each exam is 2.5 hours and costs $50, the Life and Health exams can be taken together, and you need 70% to pass. You can print your license from NIPR 24 hours after passing.

Life and health applicants must be at least 18, complete the 12-hour course on ethics and the California Insurance Code, and pass one combined Life, Accident and Health exam of 150 questions in 195 minutes with a 60% score. The filing fee is $188 whether you apply for one or both lines at once, and one renewal fee covers the combined license. After licensure, you must complete 24 hours of continuing education each two-year term, including 3 hours of ethics.

For a Colorado life and health license you must be at least 18, be a Colorado resident, and complete 50 hours of prelicensing education for each line, with 3 hours of ethics, 3 hours of general Colorado insurance law, and 4 hours of line-specific law. You must pass the Life and Accident and Health exams within one year of finishing the coursework; a single $41 exam session fee covers up to two exams. Apply online at sircon.com/colorado or nipr.com within one year of passing, at $44 per line of authority. Most applications are processed in under five business days.

You must be at least 18 years old, financially responsible, and of good moral character. Pre-licensing education is 20 hours for each single line or 40 hours for the combined Life/Accident & Health course. You must pass the Pearson VUE exam with a 70% score ($65 for a single line, $105 combined, as of March 2026) and apply online through the National Insurance Producer Registry (NIPR); the individual producer fee is $140.

Delaware requires life and health license applicants to pass both the Pearson VUE Life Producer and Accident and Health Producer exams and submit a State Criminal Background Report from the Delaware State Police. No prelicensing education is required. You apply electronically through the National Insurance Producer Registry (NIPR) and pay a $125 fee for the producer license. Scheduling both exams on the same day costs a single $90 examination fee.

DC applicants must meet the minimum age requirement and live in DC, and must pass the Pearson VUE Life exam and the Accident & Health exam separately (DC offers no combination exam; required scaled passing score 70, $75 per exam). After passing, you complete fingerprinting and a background check through Fieldprint ($31.50) and apply within 1 year at nipr.com. The biennial license fee is $100.

You must be at least 18, a bona fide Florida resident, and a US citizen or legal alien with work authorization, and you must not hold a resident license in another state. Education is a 60-hour combined course for the 2-15 license, or 30 hours for life only (2-14) or 40 hours for health only (2-40), completed within four years of application. You then pass the state exam, pay the $50 application fee plus the $5 license ID fee, and get fingerprinted through IdentoGO by Idemia.

Georgia requires an 8-hour Life course and an 8-hour Accident and Sickness course, each taken within the last 12 months. The combined licensing exam (exam 12-GA-05) allows 2.5 hours and requires a 70% score to pass. After passing, apply at sircon.com/georgia with a $100 license fee plus $20 processing, the notarized Citizenship Affidavit (form GID-276-EN), and electronic fingerprints.

To get a life and health insurance license in Idaho, you must pass the Life exam and the Accident, Health and Sickness exam, submit fingerprints for a background check, and apply online through NIPR. Idaho does not require pre-licensing education. Each exam costs $65, fingerprinting costs $65 (electronic) or $61.25 (hard card), and the license application fee is $80.

You must be at least 18 years old and complete 20 hours of pre-licensing education for each line (Life and Accident/Health), with 7.5 classroom hours per line. Pass the General and State exams for each line through Pearson VUE with a score of 70, wait 5 days, then apply online through NIPR. The resident producer license fee is $215.

You must be at least 18, keep Indiana as your principal place of residence or business, complete 40 hours of pre-licensing education for the combined Life and Health line, pass the Pearson VUE exam with a scaled score of 70, and pay the nonrefundable $40 application fee. Your certificate is valid for six months, and you must pass the exam and apply within that period. A CLU, CFP, or CFC designation or a bachelor's degree in insurance can waive the pre-licensing education, but waiver holders still take the Indiana Laws and Regulations assessment.

Iowa requires no pre-licensing education for a life and health license. You must be at least 18, pass both the Life exam (77 scored questions, 2 hours) and the Accident and Health exam (80 scored questions, 2 hours) at $44 each, and apply through NIPR with the $50 license fee, followed by fingerprinting. Exam results are valid for 90 days, so the application must be completed within that window.

Kansas has no pre-licensing education requirement for a life and health license. You must be at least 18, obtain a Certificate of Tax Clearance, be fingerprinted (a $60 background check fee), submit the NAIC Uniform Application through NIPR ($30 application fee), and pass the Pearson VUE exam. The combined Life and Accident and Health exam costs $64 and requires a 70% passing score.

You must be at least 18 years old, meet Kentucky residence requirements, and be trustworthy, reliable, and of good reputation. You must complete 20 hours of prelicensing education per line of authority, so life and health together require 40 hours, and pass each Kentucky exam with a 70% score. Fees are $40 for the license plus $40 per line of authority and a $50 exam fee per line.

You must be at least 18, competent and trustworthy, and reside in or maintain a principal place of business in Louisiana. Louisiana requires no prelicensing education for the Life and Health lines, so you go straight to the PSI combined exam (Series 103: 150 questions, 160 minutes, 70% passing score). You then file the application through the National Insurance Producer Registry (NIPR) with the $75 fee and complete fingerprinting through IdentoGo for the $60.75 Livescan fee.

To earn a life and health producer license in Maine, pass the combined Life, Accident & Health exam (12-ME-01), which costs $80, runs 3 hours 30 minutes, has 136 scoreable questions, and requires a scaled score of 70. Then submit a license application and fee to the Maine Bureau of Insurance; incomplete applications are returned and issuance delayed.

Pass the Life and Accident and Health or Sickness Producer Combo exam (Prometric code 2030): 130 scored questions plus 10 unscored, a 2.5-hour time limit, and a 70% passing score. Each attempt costs $65, and exam scores stay valid for 12 months. Then submit the NAIC Uniform Individual Application with the $54 fee through NIPR. As of October 1, 2024, no prelicensing education or experience is required first.

You must pass the Life Producer exam and the Accident and Health or Sickness Producer exam, each $37 with a required scaled score of 70, then apply through the National Insurance Producer Registry (NIPR) with the state application fee. No combined exam exists; the two lines are tested as separate exams, each with 80 scored questions. The Division of Insurance issues the license upon approving your application.

A combined Michigan life and health license requires 40 hours of pre-licensing education from a state-approved provider, 20 hours for each line. You must then pass the combined Life, Accident and Health exam, which has 150 items, a 2.5-hour time limit, and a 75% passing score. The application is filed through the National Insurance Producer Registry (NIPR) for a $10.00 state fee plus a $5.00 transaction fee, and the exam must be passed within 12 months of course completion.

Minnesota requires 20 hours of prelicensing education for each of the Life and Accident & Health lines, a passing score of 70% on the PSI exam for each line ($45 per exam), a fingerprint-based criminal history check ($66.75 electronically at a PSI test center), and an online license application ($50 plus $50 per line of authority). Exam results are valid for 3 years. Applicants holding qualifying designations (such as CLU or ChFC for life, RHU or HIA for health) or a qualifying insurance degree are exempt from the prelicensing education requirement.

You must be at least 18 years old, complete the required prelicensing education, pass the state exam, and pay a $100 license fee. Accident & Health requires 20 hours of prelicensing education, while Life-only applicants have been exempt from prelicensing since July 1, 2024. The passing score is 65% on the Life, Accident & Health, and combined exams, and you apply electronically at www.sircon.com or www.nipr.com.

Missouri requires you to be 18 years old, pass the licensing exam, and submit an application with a $100 fee for a life and health producer license. The combined Life, Accident and Health exam (code 54) costs $40 and takes 3 hours; the standalone Life and Accident and Health exams cost $32 each. No pre-licensing education is required, and you must apply within one year of passing.

Montana requires resident life and health applicants to be at least 18 years old, be a Montana resident, and have passed the licensing exam within one year before applying. The state has no prelicensing education requirement for producers; only viatical settlement brokers must complete 24 hours of training. Applicants must also submit fingerprints for a background check, and life license applicants must not be a funeral director, undertaker, or mortician operating in any state.

You must be at least 18, maintain a principal place of residence in Nebraska, be competent and trustworthy, and pass a written exam for each line you want. Nebraska requires no pre-licensing education, and there is no limit on exam attempts or waiting period between them. The Life exam and the Accident & Health or Sickness exam each cost $43 with a 70% passing score, or you can take one combined exam for $47. The license application at NIPR.com costs $50.

You must be at least 18 years old, pass the PSI exam for your line, and apply online through NIPR with a $210 license fee. New Hampshire requires no prelicensing course and no fingerprints. The combined Life, Accident and Health exam (12-63) costs $72, while the separate Life (12-61) and Accident and Health (12-62) exams cost $59 each. NIPR verifies your passing exam result before accepting the application, and scores are valid for 2 years.

A New Jersey life and health license requires being at least 18 years old, completing 20 hours of prelicensing education for each line (40 combined for both), and passing the PSI exam with at least 70%. You must also complete Live Scan fingerprinting, which costs $66.05, before applying online through the National Insurance Producer Registry (NIPR). The initial major-line license costs $170 for electronic applications and runs two years.

You must be at least 18 years old, pass the Life and the Accident and Health or Sickness exams with a minimum score of 70%, and submit fingerprints for a state and federal background check. The superintendent also verifies five years of employment history without gaps and an in-state residential or business address (no P.O. box). A felony conviction involving dishonesty or breach of trust disqualifies you without written consent. The $30 application fee is paid when you file online through NIPR.

New York requires life, accident and health applicants to be at least 18 years old, complete 40 hours of Department-approved prelicensing education for the combined authority (20 hours for life only or accident and health only), and pass the PSI licensing exam with at least 70% correct. Candidates with a CLU, CLUA, ChFC, or MSFS designation may waive the education requirement and take only the Life and Health Laws and Regulations exam. The license fee is $80 for New York residents when issued for more than one year.

You must be 18 or older and submit the application online at www.nipr.com before scheduling any exams. Pre-licensing education has not been required since October 1, 2025. For each line, you pay $50 registration plus the $44 processing fee and pass a 1-hour-15-minute Pearson VUE exam with a scaled score of 70. Electronic fingerprints ($38) are required unless you qualify for an exemption, such as holding the same lines in good standing in your home state.

You must be at least 18, be a North Dakota resident or keep a principal place of business in the state, and pass two separate exams: Life and Annuity and Accident and Health, each costing $64 with a 70% passing score and 150 minutes allowed. Fingerprints and the $100 application fee through the National Insurance Producer Registry (NIPR) are also required. Before selling annuities you must complete 4 hours of annuity training, and long-term care sales require an initial 8-hour training course.

Ohio requires 20 hours of pre-licensing education for each of the Life and Accident & Health lines. You can take a combined Life, Accident & Health exam of 150 questions in 2.5 hours, or separate 100-question, 2-hour exams for each line; 70% is the passing score. You must also be at least 18, pass a fingerprint-based background check, and pay the $10 application fee per line through the National Insurance Producer Registry (NIPR).

You must be at least 18 years old, be a US citizen or hold a valid visa or I-94 card, and pass the licensing exam with at least 70% correct. Oklahoma has no prelicensing education requirement, so you may prepare by self-study, a prep course, or the exam study manuals the department sells. After passing, wait 3 business days for results to transmit, then apply online and pay the $60 resident application fee.

Oregon requires resident life and health applicants to be at least 18 years old, complete 20 hours of prelicense education per line, and pass the PSI exam: $45 for each single-line exam or $55 for the combined Life and Health exam (Series 12-03). You must score at least 70% to pass, provide fingerprints for a background check, and apply online through NIPR. Your prelicensing Certificate of Completion expires one year from issuance, and you must pass the exam and apply for licensure before that date.

Pennsylvania requires life and health applicants to be at least 18 years old, maintain a primary residence or business location in the state, and read and write English. You must pass the Life, Accident and Health combination exam (16-03, $55), or the separate Life (16-01) and Accident and Health (16-02) exams at $45 each, with a minimum score of 70%. The resident individual application fee is $55, and fingerprinting at an IdentoGO center is required after you pass and apply.

Rhode Island requires no prelicensing education hours for a life and health license. You must be at least 18, pass the Life Producer and Accident & Health Producer exams at Pearson VUE ($80 each), provide a certified background check (BCI), and apply electronically through NIPR with the $120 resident producer fee. Each exam has a national section and a state section, and passing scores are valid for 12 months.

South Carolina requires no prelicensing education for a life and health license. You must be at least 18, pass the Pearson VUE licensing exam, pay the $25 license fee, and submit fingerprints for state and national criminal checks after applying. To qualify for both lines with one score, take the combined Life, Accident and Health exam for $59; the separate Life and Accident and Health exams each qualify for a single line.

You must be at least 18 years old, pass the exams for both the life and accident and health or sickness lines, pay the fees, and apply online through the National Insurance Producer Registry (NIPR). After licensing, selling annuities requires a one-time 4-hour annuity best interest course, and selling long-term care insurance requires 8 hours of initial training plus 4 hours every 24 months.

To sell life and health insurance in Tennessee, you must be at least 18, complete 20 hours of pre-licensing education for each line, and pass the Pearson VUE exams with a score of 70% or higher. Life and Accident and Health are separate exams, taken individually at $55 each or as a combination exam for $80. After passing, complete fingerprinting through IdentoGO, wait 48 hours, and apply online through the National Insurance Producer Registry (NIPR) with the $50 filing fee.

Applicants must be at least 18, pass the General Lines Life, Accident and Health exam (130 scoreable questions, 150 minutes, $49 exam fee), and get fingerprinted through the Texas Department of Insurance (TDI) portal, then apply via Sircon or the National Insurance Producer Registry (NIPR) within one year with a $50 application fee. The passing score is a scaled 70 on a 0-100 scale. Texas does not require prelicensing education. Holders of the Chartered Life Underwriter (CLU) designation are exempt from the exam.

You must be at least 18, hold a Social Security Number, be a Utah resident, pass the Prometric exam, and meet character requirements; no pre-licensing education is required. You can take the combined Life, Accident and Health exam (17-03), 150 questions in 2.5 hours for $44, or take Life (17-01) and A&H (17-02) separately at $32 each, with 100 questions in 2 hours per exam. After passing, apply online through SIRCON or the National Insurance Producer Registry and complete fingerprinting at a Prometric test center.

You must be at least 18, be deemed competent, trustworthy, and financially responsible by the commissioner, and pass the written exam. The combined Series 14-29 exam covers both the Life and the Accident and Health or Sickness lines, costs $67.60, and has 150 scored questions with a 2.5-hour time limit. Vermont requires no prelicensing education; after passing, wait 48 hours and apply through the National Insurance Producer Registry (NIPR) with $60 in state fees.

You must be at least 18 years old and pass the Prometric licensing exam. Series 11-01 covers Life, Annuities and Health in one sitting (150 total questions, 2.5 hours), or you can take Series 11-05 Life and Annuities and Series 11-06 Health separately (105 total questions, 2 hours each). Virginia does not require prelicensing education for these lines. You must also be fingerprinted at a Fieldprint site and pay the $15 application fee per line of authority. A passed exam score stays valid for 183 calendar days.

You must be at least 18, trustworthy and competent, and pass the licensing exam. In Washington the health line is called "disability", so you need the life and disability lines of authority. Each single-line exam costs $38, or $55 for a combined life and disability exam, and you must score 70% to pass. After passing, apply online ($55 state fee for full lines) and submit fingerprints through IdentoGO for the background check.

A West Virginia resident needs 20 hours of approved pre-licensing education for the Life line and 20 hours for the Accident & Sickness (Health) line. You must be at least 18, be a state resident, pass the Pearson VUE exam ($84), be fingerprinted through Identogo ($47.25), and pay the $50 application fee through the National Insurance Producer Registry (NIPR). The course completion certificate is valid for 6 months, so you must pass the exam before it expires.

Wisconsin requires 20 hours of prelicensing education per line (8 shared hours of principles, state law, and ethics, plus 12 line-specific hours), a passing score of 70% on the PSI exam for each line, and a fingerprint-based background check. Life and Accident and Health or Sickness are separate lines, each with its own exam and course hours. You must apply through the National Insurance Producer Registry (NIPR) within 180 days of passing the exam, paying $75 per line plus a $10 application fee as a resident.

Wyoming requires no prelicensing education for a life and health license. You must be at least 18, pass the Wyoming Insurance Licensing Exam for the Life and Accident and Health or Sickness lines through Pearson VUE, apply online through Sircon, pay the $100 resident fee as of October 2026, and submit fingerprints for a background check ($39). You must disclose your criminal history on the application, including sealed or expunged records.