What is a life insurance license, and how do I get one?
A life insurance license authorizes you to sell, solicit, or negotiate life insurance, including annuity and endowment benefits. In most states you must be at least 18, complete any required prelicensing education, pass the state exam, clear a background check, and apply through the state or NIPR. Education hours vary widely: New York requires 40 hours for the combined life, accident and health authority, while California requires only a 12-hour ethics and insurance code course.
A life insurance license is an Alabama producer line of authority that permits you to sell life insurance products. To earn it, pass the Life exam given by the University of Alabama: 2.5 hours, 87 correct answers (70%) required, a $50 fee, and registration at least 7 days in advance. After passing, get fingerprinted, apply through NIPR for the $80 license fee, and submit proof of U.S. citizenship within 10 days. A passing score is valid for 12 months, and no prelicensing course has been required since January 1, 2024.
Sources: University of Alabama: Alabama insurance testing (state exam administrator); NIPR: Alabama resident individual renewal requirements; Alabama Department of Insurance (ALDOI) – Adjuster Requirements; NIPR: Alabama resident individual licensing requirements; Alabama Administrative Code, Rule 482-1-147-.06 (Alabama Department of Insurance).
A life insurance license is an insurance producer license with a Life line of authority, which lets you sell life insurance products. To get one in Alaska, you must be 18, reside in the state, pass the Life exam through Pearson VUE with a scaled score of 70, and apply through the National Insurance Producer Registry (NIPR) with a $75 fee and one fingerprint card ($48.25). Alaska does not require prelicensing education.
Sources: Alaska DOI: Reinstate an expired license (form 08-307c); Alaska DOI: Individual application and instructions (form 08-240).
A life insurance license authorizes a producer to sell life insurance products, including annuities once you complete four hours of Arizona-approved annuity training. Arizona requires no pre-licensing education: you must pass the Life Insurance exam (Series 13-31, $50) with a 70% score and apply through the National Insurance Producer Registry with the $120 license fee and electronic fingerprints.
Sources: PSI: Arizona insurance candidate information bulletin (revised June 11, 2026).
A life insurance license is the Life line of authority on an Arkansas producer license, and it authorizes you to sell, solicit, and negotiate life insurance in the state. To get one, you must be at least 18, complete a 20-hour prelicensing course, apply through the National Insurance Producer Registry (NIPR) before the exam, and pass the PSI licensing exam with at least 70% correct. You can print your license from NIPR 24 hours after passing.
Sources: Arkansas AID: 23 CAR pt 18 continuing education for producers and adjusters; Arkansas AID: 23 CAR pt 14 prelicense education for producers and adjusters.
The life insurance license in California is the Life-Only Agent license, which authorizes you to transact insurance on human lives, endowment and annuity benefits, death or dismemberment by accident, and disability income benefits. You must be at least 18 years old, complete the 12-hour ethics and California Insurance Code course, pass the 75-question life exam with a 60% score, apply through Sircon or NIPR, and submit fingerprints. The filing fee is $188 for the two-year term.
Sources: Cal. Ins. Code Ch. 5 Art. 3: Licensing (1631-1651); Cal. Ins. Code 1749: Prelicensing education requirements by license type; PSI: California insurance candidate information bulletin (revised March 2026); California CDI: Licensing fees and schedule of fees and charges.
A life insurance license is a producer license that authorizes its holder to sell life insurance products. Colorado issues a single producer license that lists each line of authority, such as Life. To get one, you must be a Colorado resident who is at least 18 years old, complete 50 hours of prelicensing education from an approved provider, pass the Pearson VUE Life exam, and apply online through Sircon or the National Insurance Producer Registry (NIPR).
Sources: Pearson VUE: Colorado Insurance Licensing Candidate Handbook (July 2026, #120600); Colorado Division of Insurance, Regulation 1-2-5: Insurance Producer Prelicensing Education Requirements for Residents (3 CCR 702).
A life insurance license is the Producer line of authority that lets you solicit, negotiate, or sell life insurance in Connecticut. To earn it, complete 20 hours of approved Life pre-licensing education, pass the Pearson VUE Life Producer exam (75 scored questions, $65 fee, 70% passing score), and apply through NIPR with the $140 application fee. You must apply within one year of passing the exam.
Sources: Connecticut CID: Exam testing and pre-licensing FAQ; Connecticut CID: Public adjuster license; Connecticut CID: Producer (individual) license.
A life insurance license is a line of authority that lets a producer sell life insurance in Delaware. To get one, you pass the Pearson VUE Life Producer exam and apply electronically through the National Insurance Producer Registry (NIPR) with the $125 producer fee. The exam pairs 50 scored general-knowledge questions with 40 scored Delaware-specific questions and costs $90. No prelicensing education is required.
Sources: Pearson VUE: Delaware Insurance Candidate Handbook (June 2025).
A life insurance license is a producer license that authorizes an individual to sell life insurance in DC. A resident must pass the Pearson VUE Life exam (80 scored questions, scaled passing score of 70, $75 fee), complete fingerprinting and a background check through Fieldprint ($31.50), and apply electronically at nipr.com within 1 year of passing. No pre-licensing course is required in DC.
Sources: Pearson VUE: District of Columbia insurance candidate handbook; DC DISB: Fingerprinting requirements; D.C. Code 31-1131.07a: Term of license; renewal.
A life insurance license in Florida is the 2-14 resident Life (Including Annuities & Variable Contracts) Agent license; it covers life insurance, fixed and variable annuities, endowment benefits, and accidental death and dismemberment benefits. To get it you must be at least 18, a bona fide Florida resident, and a U.S. citizen or legal alien with work authorization, and you must complete a 30-hour prelicensing course, pass the Pearson VUE state exam, apply through MyProfile, and be fingerprinted.
Sources: Florida DFS: 2-15 resident life, health and variable annuity agent qualifications.
A life insurance license authorizes an agent to sell life insurance products in Georgia. You must complete an 8-hour Life prelicensing course, pass the Pearson VUE Life exam (80 scored questions, with 70% of questions answered correctly required to pass), and apply at sircon.com/georgia with a notarized Citizenship Affidavit, the $120 fee, and electronic fingerprints. You must pass the exam within one year of completing the course.
Sources: Georgia OCI: Get a resident insurance agent license.
A life insurance license is the producer line of authority covering life policies and annuities. To earn it, pass the ID Life Producer exam through Pearson VUE ($65, 120 minutes), complete fingerprinting for the background check, and apply online through the National Insurance Producer Registry (NIPR) with the $80 application fee. Idaho does not require pre-licensing education, so you can prepare using the department's published content outline.
Sources: Idaho DOI: Testing and fingerprints; Idaho Department of Insurance — Testing and Fingerprints page.
A life insurance license is an Illinois producer license carrying the Life line of authority, which lets you sell life insurance and annuity products. Complete 20 hours of pre-licensing education (7.5 hours in a classroom or webinar), pass the Life General and State exams through Pearson VUE with a score of 70, and apply online through NIPR for the $215 fee after waiting 5 days. Pre-licensing education is valid for 12 months from completion, so you must obtain the license within that window.
Sources: Illinois IDOI: How to become a resident producer (Illinois insurance agent); Illinois IDOI: Fee schedule.
A life insurance license authorizes you to sell life insurance products in Indiana. To earn it, complete state-approved pre-licensing education for the Life line, pass the Pearson VUE Life exam (a 70 scaled score to pass, $69 fee), and apply online through Sircon or NIPR with a $40 fee. You must pass the exam and submit your application within six months of your course completion date.
Sources: Pearson VUE: Indiana insurance candidate handbook (Aug 2026); NIPR: Indiana resident individual renewal requirements.
A life insurance license authorizes you to sell life insurance and annuities in Iowa. To earn it, pass the Life exam (12-IA-01), a 2-hour Pearson VUE exam with 77 scoreable questions (50 general knowledge plus 27 Iowa-specific) and a $44 fee. Exam results are valid for 90 days, so submit your application and license fee through the National Insurance Producer Registry (NIPR) within that window.
Sources: Pearson VUE: Iowa insurance candidate handbook (incl. content outlines, July 2025 / effective Jan 2026).
A Life insurance license is a line of authority that lets you sell and negotiate life insurance as a Kansas producer. You must pass the Kansas Life Producer exam (90 minutes, $57 as of July 2026, with a 70% passing score), submit a tax clearance from the Kansas Department of Revenue, complete the fingerprint and background waiver steps, and apply online through the National Insurance Producer Registry (NIPR) with a $30 application fee and a $60 fingerprinting fee. Exam scores are valid for two years.
Sources: Pearson VUE: Kansas Insurance Licensing Candidate Handbook (July 2026, #121700).
A life insurance license qualifies an agent to sell coverage on human lives, including endowment and annuity benefits and death or dismemberment benefits by accident. To earn it in Kentucky, complete a 20-hour prelicensing course in the life line, apply through NIPR, request a criminal background report from the Kentucky Administrative Office of the Courts, and pass the life examination with a 70% score. Fees run $40 for the license, $40 for the line of authority, and $50 for the exam.
Sources: Kentucky DOI: Licensing Frequently Asked Questions; NIPR: Kentucky Resident Individual Renewal Requirements.
A life insurance license is a Louisiana producer license for the Life line of authority. To get one, you pass the PSI Series 101 exam ($36 fee), apply through the National Insurance Producer Registry (NIPR), and complete fingerprinting through IdentoGo. Louisiana requires no prelicensing education for the Life exam, and there is no limit on retakes if you fail during the one-year period.
Sources: PSI: Louisiana Department of Insurance candidate information bulletin.
A life insurance license in Maine is a producer line of authority that lets you transact life insurance. To earn it, pass the Pearson VUE Life Producer exam (12-ME-41), which has 75 scoreable questions, runs 1 hour 45 minutes, and costs $55, with a passing scaled score of 70, then submit a license application and fee to the Maine Bureau of Insurance.
Sources: Pearson VUE: Maine insurance candidate handbook (incl. exam content outlines, March 2026).
A life insurance license authorizes you to sell life products and annuities in Maryland. You must pass the Prometric Life Producer exam (80 scored questions plus 10 unscored, 1 hour 45 minutes, 70% to pass), pay the $54 application fee, and submit the NAIC Uniform Individual Application through NIPR. Since October 1, 2024, Maryland no longer requires a prelicensing course or experience before the exam.
Sources: Prometric: Property and Casualty Producer — Combo exam outline (Series 20-32); Maryland MIA: Licensing and registration fees.
A life insurance license is a producer line of authority that lets you sell life insurance in Massachusetts. To get one, you pass the Life Producer exam through Pearson and apply through the National Insurance Producer Registry (NIPR); the Division of Insurance issues the license upon approval. The exam has 80 scored questions (50 general knowledge plus 30 Massachusetts law), costs $37, and requires a scaled score of 70.
Sources: Pearson VUE: Massachusetts insurance candidate handbook.
A life insurance license authorizes you to sell life insurance and related products, such as annuities, in Michigan. To get one, complete 20 hours of pre-licensing education from a state-approved provider, pass the Life Producer exam (100 items, 2 hours, 72% passing score), and file an application through NIPR for a $10.00 state fee plus a $5.00 transaction fee. The exam must be taken within 12 months of course completion.
Sources: Michigan DIFS: How to become licensed as a resident producer; PSI: Michigan insurance candidate information bulletin; PSI Candidate Information Bulletin – Michigan Insurance Examinations.
A life insurance license authorizes an individual to sell life insurance products in Minnesota. To get one, complete 20 hours of state-approved prelicensing education for the life line, pass the PSI producer exam ($45 fee; 70% to pass), and submit fingerprints for a criminal history check ($66.75 electronically at a PSI test center). You then apply online through Sircon or NIPR's LicenseHub, paying $50 plus $50 per line of authority and a $10 technology fee. Exam results stay valid for 3 years.
Sources: Minnesota Department of Commerce: Resident Producers; PSI: Minnesota Insurance Candidate Information Bulletin; Minn. Stat. 60K.55: Producer license fees; NIPR: Minnesota resident individual licensing requirements.
A life insurance license is the producer credential for the Life line of authority, letting you solicit life insurance in Mississippi. You must be at least 18, complete 20 hours of prelicensing education, and pass the Pearson VUE Life Producer exam, which requires a 65% score and costs $50 per attempt. The license fee is $100, paid with your application at www.sircon.com/mississippi.
Sources: Pearson VUE: Mississippi insurance candidate handbook (PDF, July 2025).
To sell life insurance in Montana, you need an Insurance Producer license with the Life line of authority. Montana requires no prelicensing education, so you register for the Pearson VUE Life exam (86 scoreable questions), pass with a score of 75 or better, apply through NIPR, and submit fingerprints with a $30 fee payable to Montana Criminal Records. The resident producer application carries no state fee.
Sources: Montana CSI: Fingerprints for insurance licensing purposes.
A life insurance license authorizes you to sell, solicit, or negotiate life insurance in Nebraska. It is a major line, which requires you to be at least 18, maintain a principal place of residence in Nebraska, and pass a written exam. The Life exam (code 13-01) costs $43 and requires a 70% score; the resident license application fee is $50.
Sources: PSI: Nebraska Insurance Licensing Examination Candidate Information Bulletin; Nebraska DOI: Licensing Fee Schedule (7/17/2026).
A life insurance license is a state producer license with a Life line of authority, letting you sell term and permanent life insurance and annuities. To earn it in Nevada, pass the Pearson VUE Life exam, which has 80 scored questions and a scaled passing score of 70, then submit fingerprints and apply online through Sircon for a $185 state fee. You may not sell insurance until the state issues the license and an insurer appoints you.
Sources: Nevada Division of Insurance – Producer Licensing (Individuals) page and DOI Licensing FAQs for Applicants and Licensees.
A life insurance license is a producer line of authority that permits you to sell life insurance products in New Hampshire. To get one, you must be at least 18, pass the PSI Life exam (series 12-61, $59), and apply online through the National Insurance Producer Registry with a $210 fee. New Hampshire does not require a prelicensing course, and the department lists optional study-material providers it does not endorse or evaluate.
Sources: PSI: New Hampshire insurance candidate information bulletin; New Hampshire NHID: Licensing fees.
A life insurance license is a producer license authority covering all coverages defined as life insurance and annuities under New Jersey law. To obtain it, you must be at least 18 years old, complete 20 hours of approved prelicensing education, pass the PSI exam with a minimum score of 70%, complete Live Scan fingerprinting, and submit an electronic application through NIPR ($170 in state fees). Score reports are valid for one year.
Sources: NIPR: New Jersey resident individual licensing requirements; New Jersey DOBI: Producer licensing FAQs; New Jersey DOBI: Insurance licensing and education hub.
A life insurance license is the producer line of authority that permits selling life insurance in New Mexico. To get one, pass the Life Insurance Producer exam with at least 70%, complete the national background check, and apply through NIPR. Variable life and variable annuity products require an active life producer license plus a securities salesperson license and FINRA registration.
Sources: NM Register Vol. XXXV No. 23: 13.4.2 NMAC Resident Producers and Other Resident Licenses (replacement rule eff. 4/1/2025); NM Register Vol. XXXV No. 23: 13.4.3 NMAC Nonresident Producers (replacement rule eff. 4/1/2025).
A life insurance license lets you sell, solicit, or negotiate life insurance and annuities in New York. You must complete a Department-approved prelicensing course of at least 20 hours for the life-only authority, or 40 hours for the combined life, accident and health authority, then pass the PSI exam and apply through NY LINX within 2 years of passing.
Sources: New York DFS: Life, accident and health agent and broker licensing; New York DFS: Agent and broker prelicensing education; New York DFS: Property and casualty / personal lines agent or broker licensing.
A life insurance license (the Life line of authority) lets you sell fixed and indexed annuities, whole and term life, universal life, burial expense, final expense, and fraternal insurance in North Carolina. To get it, you must be at least 18, apply online at www.nipr.com, and pass the state exam, which has 55 scored questions plus 5 pretest questions with 1 hour 15 minutes allotted. The fees are $50 registration plus $44 application processing, and $45 for each exam attempt paid to Pearson VUE.
Sources: Pearson VUE: North Carolina insurance candidate handbook (October 2025); North Carolina NCDOI: Licensing checklist for new resident license.
A life insurance license authorizes you to sell life insurance, which in North Dakota includes endowment benefits, fixed and indexed annuities, and credit life. To earn it, you must be at least 18, pass the $64 PSI Life and Annuity exam (70% to pass), submit fingerprint cards, and pay the $100 license application through the National Insurance Producer Registry (NIPR). North Dakota requires no prelicensing coursework.
Sources: North Dakota NDID / PSI: Insurance licensing examination candidate information bulletin (Dec 27, 2024); North Dakota NDID: Apply for a resident producer license.
A life insurance license authorizes you to sell life insurance policies and annuities in Ohio. To earn one, you must be at least 18, complete 20 hours of pre-licensing education from an Ohio-approved provider for the Life line, pass the PSI Life exam with a score of at least 70%, submit fingerprints for BCI and FBI background checks, and apply through the National Insurance Producer Registry (NIPR) with a $10 application fee.
Sources: Ohio ODI: Pre-licensing education; Ohio ODI: License fees and application fee chart.
A life insurance license is Oklahoma's Life line of authority, which lets you sell, solicit, and negotiate life insurance. To earn it, pass the PSI Life exam with a 70% score, wait 3 business days after passing, then apply online; the resident license fee is $60. Selling annuities also requires a one-time 4-hour annuity best interest training course, and selling long-term care insurance requires a one-time 8-hour course.
Sources: Oklahoma OID: License Fee Schedule (revised 09/07/2023); Oklahoma OID: Bulletin No. 6-2023 (Annuity Best Interest Training); OAC 365:25-3-1.4: Producer training requirements for long-term care insurance.
A life insurance license is an Oregon producer license with life as a line of authority, letting you sell, solicit, or negotiate life insurance. To earn it, you must be at least 18, complete 20 hours of life prelicensing education, pass the Life exam ($45), provide fingerprints, and apply online through NIPR. Holding the Chartered Life Underwriter (CLU) designation exempts you from the education and exam.
Sources: Oregon DFR: Producer licensing; Oregon DFR: Fees and forms.
A life insurance license is the Insurance Producer line of authority that lets you sell life insurance products and annuities. You must be at least 18, maintain a primary residence or business location in Pennsylvania, and pass the Life Insurance exam (16-01) through PSI with a score of at least 70%. After passing, apply online through Sircon or the National Insurance Producer Registry (NIPR) within one year and pay the $55 resident application fee, then complete fingerprinting at an IdentoGO center.
Sources: PSI: Pennsylvania Insurance Licensing Examination Candidate Information Booklet.
A life insurance license authorizes you to sell life insurance products. To get one in Rhode Island, pass the Life Producer exam at Pearson VUE ($80), wait 3-5 days for results to report to NIPR, then submit your resident application electronically with the $120 fee and a certified background check from the Rhode Island Attorney General. You must be at least 18, and no pre-licensing course hours are required. You must also complete a one-time 4-credit training course before selling annuities.
Sources: Pearson VUE: Rhode Island insurance content outlines (effective May 28, 2026); NIPR: Rhode Island resident individual licensing requirements; Rhode Island Department of Business Regulation — Insurance Regulation 103 / 230-RICR-20-50-5 (Licensing and Renewal Fees); 230-RICR-20-25-1: Suitability in annuity transactions (best interest).
A life insurance license is the South Carolina producer line of authority that lets you sell, solicit, and negotiate life insurance. Under Section 38-43-20, no person may sell, solicit, or negotiate insurance in the state without a license for that line. To get it, pass the Pearson VUE Life Insurance Producer exam (85 items, 120 minutes, $59), apply online through NIPR with the $25 fee, and submit fingerprints as a resident applicant.
Sources: Pearson VUE: South Carolina Insurance Licensing Candidate Handbook; 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 life insurance license is an insurance producer license that includes the life line of authority, which covers endowment and annuity benefits, death or dismemberment by accident, and disability income. To get one in South Dakota, you must be at least 18 years old, pass the written exam for the life line, and apply online through NIPR with the $25 application fee plus a service fee. South Dakota requires no pre-licensing education.
Sources: SDCL 58-30-148: Resident producer license application requirements; SDCL 58-2-29: Division of Insurance fee schedule.
A life insurance license is a Tennessee insurance producer license with a Life line of authority, which lets you sell, solicit, or negotiate life insurance. To get one, complete 20 hours of pre-licensing education, pass the Pearson VUE life exam with a score of 70% or higher, complete fingerprinting, and apply online at NIPR with a $50 fee within 12 months of passing the exam.
Sources: Tenn. Comp. R. & Regs. 0780-01-56: Licensing Requirements for Insurance Producers; Pearson VUE — Tennessee Insurance Licensing Candidate Handbook (October 2026 edition, #124300).
A Life Agent license is the narrower of Texas's two life credentials: it covers life insurance only, while the General Lines Life, Accident, and Health license adds accident, health, and HMO products. To get it, pass the Pearson VUE exam (80 scoreable questions, $39 fee), complete fingerprinting through TDI's online portal, and apply through Sircon or NIPR within one year of passing. The application fee is $50.
Sources: Pearson VUE: Texas insurance licensing candidate handbook (October 2024); Texas TDI: life agent license management (renewal).
A life insurance license is a Utah producer line of authority that lets you solicit and sell life insurance. Utah requires no pre-licensing education. You pass the Prometric Series 17-01 life exam (100 questions, 2 hours, $32), apply online through SIRCON or NIPR within 90 days, and be fingerprinted at a Prometric test center; the individual full-line license fee is $70.
Sources: Prometric: Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025); Utah UID: Exam and Licensing Procedures; Utah Insurance Department FY2027 Fee Schedule (H.B. 8).
A life insurance license is the producer line of authority that allows you to sell life insurance in Vermont. To earn it, you must be at least 18, pass the Prometric Producer's Life exam (Series 14-25, $52) or the combined Life, Accident and Health exam (Series 14-29), then wait 48 hours after passing before submitting your application through NIPR.
Sources: Prometric: Vermont insurance licensing information bulletin; Vermont DFR: Producer license.
In Virginia, the life insurance license is the Life and Annuities agent license, which lets you sell life insurance and annuity products. To earn it, you pass the Life and Annuities exam (Series 11-05, two-hour limit), pay the $35 exam fee, complete Fieldprint fingerprinting, and pay the $15 application fee through the National Insurance Producer Registry (NIPR) or Sircon. Virginia does not require a prelicensing course for this line.
Sources: Prometric: Virginia Bureau of Insurance Licensing Information Bulletin (effective December 13, 2024); NIPR: Virginia resident individual licensing requirements.
A life insurance license is a producer license with the life line of authority, which lets you sell life insurance and annuity products. Prelicensing education has not been required since July 23, 2023. You must pass the PSI life exam with at least 70% (100 questions, 150 minutes, $38 fee), then apply for the $55 license online and complete fingerprinting for the background check ($52) after submitting the application.
Sources: PSI: Washington OIC insurance license exam candidate information bulletin; PSI Services LLC — Washington OIC Insurance Candidate Information Bulletin; Washington OIC: Fingerprint requirements.
A life insurance license is the West Virginia producer license for the Life line of authority. To earn it, complete 20 hours of approved pre-licensing education and pass the Pearson VUE Life exam (90 questions, 120 minutes) with a scaled score of 70, bringing your paper Course Completion Certificate to the test center. After passing, get fingerprinted through Identogo and apply through the National Insurance Producer Registry (NIPR) with a $50 fee.
Sources: West Virginia OIC: How to Apply for a Resident Producer License; Pearson VUE: West Virginia Insurance Candidate Handbook (September 2026); West Virginia OIC: Licensing and Education Fees (fee schedule, updated 8/19/2026).
A life insurance license lets an individual solicit and sell life insurance in Wisconsin. Complete 20 hours of prelicensing education with an approved provider, covering 8 hours of insurance principles, Wisconsin law, and ethics plus 12 hours of life policies, terms, and line-specific law, then pass the Wisconsin Life exam (series 22-01) with at least 70% correct. Submit fingerprints through Fieldprint, wait 48-72 hours after passing, and apply online through NIPR; the initial license fee is $75 plus a $10 application fee.
Sources: Wisconsin OCI: Prelicensing Requirements; Wisconsin OCI: Resident License Requirements; Wisconsin OCI: Insurance License Types and Fees.
A life insurance license qualifies a producer to sell life insurance products, including term and cash-value life, and annuities. To get one in Wyoming, pass the Wyoming Insurance Licensing Exam for the Life line of authority through Pearson VUE, apply online through Sircon, pay the $100 resident fee, and submit fingerprints for a background check. Wyoming requires no prelicensing education hours.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs.