Which insurance license do I need to sell insurance?

It depends on what you sell. A life, accident and health license covers life insurance, annuities, and health coverage; a property and casualty license covers property, casualty, and personal lines. Most states require separate licenses for life and health versus property and casualty. Selling variable products also requires FINRA securities registration, typically the Series 6 or Series 7 plus the Series 63.

You need a producer license from the Alabama Department of Insurance, and the lines of authority you add determine what you can sell. Life and Accident & Health lines let you sell life and health products; Property, Casualty, and Personal Lines lines cover property and casualty insurance. You take one exam per pairing: the combined Life & Health exam ($75), the combined Property & Casualty exam ($75), or a single-line exam ($50) for one line only.

You need an insurance producer license from the Alaska Division of Insurance, and the line of authority depends on what you sell: Life, Accident and Health, Property, Casualty, Personal Lines, or Variable Life and Variable Annuity. Property and Casualty authority already includes Personal Lines in Alaska, so you may not hold both. You must pass the Pearson VUE exam for each line and submit a $75 application, and variable authority also requires a FINRA CRD number.

The license you need depends on the products you plan to sell. Life and health products require the Life and Accident and Health or Sickness lines, while Property, Casualty, and Personal Lines cover home and auto insurance; Crop and Travel are separate lines. Agents who sell variable products such as variable annuities must also pass the Financial Industry Regulatory Authority (FINRA) Series 6 or Series 7 exams.

It depends on the products you plan to sell. To sell life or health coverage, you need the Life line and the Accident & Health or Sickness line; to sell home, auto, and commercial coverage, you need the Property and Casualty line, tested in a single combined exam. Personal Lines covers the same property and casualty products but excludes commercial lines. Adjusting claims requires an adjuster exam, such as Property, Casualty, or Workers' Compensation.

The license depends on the products you want to sell. A life agent license covers life insurance and annuities; an accident and health or sickness agent license covers health coverage; a property broker-agent and casualty broker-agent license covers residential, commercial, auto, and liability lines; and a personal lines broker-agent license covers only personal auto, home, watercraft, and umbrella coverage. California issues each as a separate license, though you can combine Property and Casualty (one exam, one $188 fee) or Life with Accident and Health (one combined exam, one $188 fee).

In Colorado, you need a producer license that lists the lines of authority matching the products you sell. To sell life or health products, you need the Life or Accident and Health line; to insure homes, cars, or businesses, you need Property and Casualty, which also covers Personal Lines. Colorado requires a licensing exam for the major lines, but limited lines such as Travel Insurance do not require one, and Variable Life and Variable Annuity requires an active Life line plus FINRA registration.

To sell insurance in Connecticut you need the Insurance Producer license, which covers Life, Accident & Health or Sickness, Property & Casualty, Personal Lines, Variable Life/Variable Annuity, Credit, and Limited Lines Travel. If you will sell travel insurance only, the separate P.A. 187 Travel limited lines license covers that line alone. Adjuster licenses cover handling claims, not selling coverage.

You need an insurance producer license; Delaware law uses "insurance agent" and "insurance broker" interchangeably with "producer." You choose the line of authority you will sell, such as life, accident and health, property, casualty, personal lines, variable life and variable annuity products, title, or fidelity and surety. A person must be licensed for the specific line of authority before transacting that class of insurance in Delaware.

To sell insurance in DC you need an insurance producer license with the lines of authority that match the products you plan to sell. Individuals and business entities may apply as residents or nonresidents and can obtain authority in life, health, variable annuities, property, casualty, personal lines, and surplus lines; only individuals can hold bail bonds authority. Resident applicants must pass a Pearson VUE exam for each line, unless they held a like license in another jurisdiction within 90 days of applying.

It depends on what you sell. Property and casualty products such as auto, home, and commercial lines require the 2-20 General Lines license; life, health, and annuity products require the 2-15, or the 2-14 Life and 2-40 Health licenses separately; personal lines like auto and home for individuals and families require the 20-44. Each resident license requires a state-approved prelicensing course, the Pearson VUE state exam, a $50 application plus $5 license ID fee, and fingerprinting.

The license you need depends on the products you sell. Life insurance and annuities require the Life line; health coverage requires Accident & Sickness; home, auto, and business coverage require Property and Casualty, which Georgia licenses only as a combined line. Personal Lines covers property and casualty products sold only to individuals and families, and Variable Products requires a Life license plus FINRA registration.

You need an insurance producer license from the Idaho Department of Insurance. Producers choose lines of authority such as Life, Accident Health and Sickness, Property, Casualty, Personal Lines, or Variable, and each line requires its own exam. Property and Casualty each cover the limited lines of authority, and Property plus Casualty also cover Personal Lines.

The license depends on what you sell. Selling life or health products requires the Life, Health, or combined Life & Health license; selling auto, homeowners, or commercial coverage requires Property & Casualty; Personal Lines alone covers only personal coverage. Each exam-passed line of authority is added to your producer license, and the $40 application fee applies per license. Limited lines such as Credit, Title, and Travel have separate, simpler requirements.

You need an insurance producer license with the line of authority matching the products you plan to sell: Life, Accident & Health, Property, Casualty, or Personal Lines for personal, noncommercial property and casualty coverage, plus limited lines such as Crop, Surety, and Credit. Iowa requires no prelicensing education; you must pass the Pearson VUE exam for each line, pay the $50 license fee, and apply through NIPR. Variable life and variable annuity products additionally require passage of the FINRA Series 6 or 7 and Series 63 or 66 exams.

The license you need depends on what you sell: Life for life products, Accident and Health or Sickness for health products, Property and Casualty for home and auto, and Personal Lines for personal, noncommercial coverage only. Each major line requires passing a Pearson VUE exam, and Kansas requires no prelicensing education. To sell variable products you must also hold a Life license and FINRA registration (Series 6 or 7).

To sell insurance in Kentucky, you need an agent (producer) license from the Kentucky Department of Insurance, qualified for one or more lines of authority: Life, Health, Property, Casualty, Variable Life and Variable Annuities, Personal Lines, or a limited line such as credit, travel, or crop. The lines you choose determine which licensing exams you must pass. Life and health lines require separate licensing from property and casualty lines, and the variable line requires you to hold an active life line first.

To sell insurance you need an insurance producer license from the Louisiana Department of Insurance, issued by line of authority. An exam is required for lines such as Life, Accident & Health or Sickness, Property, Casualty, and Personal Lines; no exam applies to Credit, Travel, Variable Life and Variable Annuity, or Limited Life Health & Accident. The $75 application fee, filed through NIPR, covers all lines except surplus lines ($250).

The license you need depends on the products you plan to sell. Maine issues producer licenses by line of authority, including Life, Variable Contracts, Health, Property, Casualty, Personal Lines, and Surplus Lines, plus limited lines such as Auto Rental, Credit, Mechanical Breakdown, Title, and Travel/Baggage. You pass the exam for your line and apply to the Maine Bureau of Insurance; a nonresident with an active resident license in another state does not take Maine's exam.

To sell insurance in Maryland you need a producer license in the line of insurance you intend to sell. The state issues six major lines: Life, Health, Property, Casualty, Variable Life and Annuity Products, and Personal Lines. Most lines require passing the Prometric exam for that line, and the application fee is $54. If you act for an insurer, you must also hold that insurer's appointment.

Massachusetts issues one insurance producer license, and you sell insurance by adding lines of authority to it, such as Life, Accident and Health, Property, Casualty, or Personal Lines. Most lines require you to pass that line's exam through Pearson VUE before you apply through the National Insurance Producer Registry (NIPR). Property and Casualty require two separate exams, and the Property & Casualty Adviser exam does not satisfy the producer requirement.

The license you need depends on what you plan to sell. The Michigan Department of Insurance and Financial Services (DIFS) issues separate lines of authority, including Life, Accident and Health, Property, Casualty, and Personal Lines. A Life and Accident & Health license covers life and health products, while Property and Casualty covers auto, homeowners, and commercial insurance. If you already hold Property and Casualty, Personal Lines is covered automatically.

Minnesota requires a producer license for each line of authority you sell, such as Life, Accident & Health, Property, Casualty, or Personal Lines. The major lines require 20 hours of prelicensing education and a PSI exam per line; limited lines such as Credit, Title, Travel, and Bail Bonds require only the application. To sell variable products you must also hold securities registration (FINRA Series 6 or Series 7).

You need an Insurance Producer license, issued with one or more lines of authority: Life, Accident & Health, Property, Casualty, Personal Lines, or Variable Life and Variable Annuity Products. To qualify, complete any required prelicensing course, pass the Pearson VUE exam for each line, and apply at sircon.com/mississippi or nipr.com with the $100 license fee. You must also be appointed by an insurance company before you can solicit or sell.

It depends on what you plan to sell. Missouri issues producer licenses by line of authority: Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, Crop, and Title each require a licensing exam, while the Credit and Travel lines do not. Most agents start with either a Life, Accident and Health license or a Property and Casualty license, or both.

It depends on the products you plan to sell. Montana's producer lines of authority that require an exam are Life, Disability (Health), Property, Casualty, Limited Lines Credit, Pre-Paid Legal, Surety, and Title; Variable, Marine, Travel, and Viatical do not require an exam. After passing, you apply through NIPR, and a Variable Contracts applicant must also supply a FINRA CRD number.

To sell insurance in Nebraska you need an insurance producer license from the Nebraska Department of Insurance. Most agents choose the major lines: Life, Accident & Health or Sickness, Property, Casualty, or Personal Lines, each of which requires passing the PSI exam. Nebraska requires no pre-licensing education. After passing, apply online at NIPR.com with the $50 resident application fee.

To sell insurance in Nevada you need a producer license, and you choose the lines of authority that match what you plan to sell: Life, Health, Property, Casualty, or Personal Lines. To sell variable annuities or variable life you must also hold or apply for the Life line and supply a FINRA CRD number. Adjuster licenses cover claims handling, not selling.

To sell, solicit, or negotiate insurance in New Hampshire, you need an insurance producer license. You then choose the line of authority that matches what you plan to sell: Life covers life insurance and annuities, Accident and Health covers health products, and Property and Casualty covers home, auto, and commercial coverage. Surplus lines requires no exam, but you must already hold the Property and Casualty line. After passing the required exam, apply online through the National Insurance Producer Registry (NIPR).

It depends on what you plan to sell. New Jersey issues major-line authorities in Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, Title, Surplus Lines, and Variable Life and Variable Annuity, plus limited lines such as bail bonds. Life and accident and health cover life products, annuities, and health coverage; property and casualty cover home, auto, and commercial risks. Most agents choose a combined Life and Health (40 hours of education) or Property and Casualty (40 hours) license.

You need an insurance producer license from the New Mexico Office of Superintendent of Insurance (OSI), with the line of authority matching what you sell. New Mexico offers lines including life, accident and health or sickness, property, casualty, personal lines, variable life and variable annuity, and title. You must pass the exam for each line, submit fingerprints for a background check, and file the $30 application online through the National Insurance Producer Registry (NIPR).

It depends on the products you plan to sell. Life and health products require a life, accident and health license, while auto, home, and other property products require a property and casualty license. You also choose between an agent license, which represents the insurance companies that appoint you, and a broker license, which represents the insured and can place business with any New York authorized company that accepts it.

It depends on what you plan to sell. North Dakota's major lines are Life, Accident and Health or Sickness, Property, and Casualty, and you must pass a separate PSI exam for each line you apply for; Personal Lines covers property and casualty sold to individuals and families. Variable Life and Variable Annuity applicants must first register for securities with the state. A producer licensed in any major line may sell travel insurance without an additional license.

The license depends on the products you plan to sell. Life covers life policies and annuities; Accident & Health covers health plans, disability, and long-term care; Property and Casualty cover auto, home, and commercial lines; and Personal Lines covers personal auto and home. Selling variable products also requires FINRA registration. Limited lines, such as travel, credit, or crop insurance, cover narrow product sets and require no pre-licensing education or exam.

You need an insurance producer license from the Oklahoma Insurance Department, and the lines of authority on it determine what you can sell: Life covers life insurance, Accident & Health or Sickness covers health products, and Property, Casualty, and Property Casualty - Personal Lines cover property products. You must pass the licensing exam for your lines and then apply online. Title, limited lines, and adjuster licenses cover other specialized work.

To sell insurance in Oregon you need a producer license covering each class you intend to sell, with the main lines being life, health, property, casualty, and personal lines, all issued on one license. You may not sell a class you are not licensed for. Special cases: surplus lines requires holding property and casualty first, and variable products also require securities registration with an Oregon broker-dealer. Nonresidents licensed in their home state are exempt from Oregon exams.

The license depends on the products you sell. A resident Insurance Producer license covers the lines of authority you select: Life, Accident & Health or Sickness, Property, Casualty, and Personal Lines each require an exam, while limited lines such as travel, pet, and credit require none. First-time property and casualty candidates must register for both the Property and Casualty exams. A Surplus Lines Broker license requires an active producer license with Property and Casualty lines.

You need a producer license with the lines of authority matching what you plan to sell. South Carolina law prohibits anyone from selling, soliciting, or negotiating insurance in a line without holding that line of authority. Common lines include life, accident and health, property, casualty, and personal lines property and casualty, plus limited lines such as travel, credit, crop, surety, pre-need, and title insurance. Variable life and variable annuity products require a FINRA CRD number in addition to the producer license.

In South Dakota, you need an insurance producer license, which can carry one or more lines of authority: life, accident and health or sickness, property, casualty, variable life and variable annuity products, personal lines, limited lines, crop, and any other line state law permits. Choose lines based on the products you plan to sell, and pass the exam for each line you apply for.

Tennessee issues insurance producer licenses in these classifications: Life; Property; Accident & Health; Casualty; Variable Life and Variable Annuity; Title; and Personal Lines. You must pass a separate exam for each line of authority you want to hold. A Property and Casualty license already covers both personal and commercial lines, so holders do not need a separate Personal Lines license.

It depends on what you plan to sell. General Lines Property and Casualty covers both commercial and personal coverage and includes personal lines authority, while General Lines Life, Accident, and Health covers life, accident, health, and HMO products and includes Life Agent authority. Standalone Life Agent, Personal Lines, and Limited Lines licenses cover narrower product sets.

It depends on the products you plan to sell. Utah issues lines of authority such as Life, Accident & Health, Property, Casualty, and Personal Lines, and exam-required lines need a passing Prometric exam score. A single combined exam can cover two lines, such as Life and Accident & Health or Property and Casualty. To transact insurance you must also hold an appointment with an insurer or a designation with a licensed agency.

To sell insurance in Vermont, you need the Insurance Producer license issued by the state Department of Financial Regulation. This single license replaced the former agent and broker license types, and its recognized lines of authority include Life, Accident and Health or Sickness, Property, Casualty, Variable Life and Variable Annuity, and Personal Lines. Most lines require passing a Prometric exam, while limited lines producers, such as credit, crop, surety, and travel, are not required to take an examination.

Virginia issues agent licenses by line, but most new agents earn either a Property and Casualty license or a Life and Health license. Property and Casualty covers auto, homeowners, and commercial insurance and already includes personal lines authority, so you should not apply for both. Life and Health covers life insurance, annuities, and health products. Each line requires its own exam and a $15 application fee.

You need a producer license with the lines of authority matching what you sell: life, disability (health), property, casualty, or personal lines. Selling annuities requires the life line plus a one-time 4-hour suitability course; long-term care requires the disability line plus an 8-hour initial course; federal flood requires property and casualty plus a one-time 3-hour course; travel insurance requires the travel line specifically. Handling claims requires an adjuster license instead of a producer license.

To sell insurance in West Virginia you need a producer license from the Offices of the Insurance Commissioner, with a line of authority: Life, Accident & Sickness (Health), Property, Casualty, or Personal Lines. Each line requires 20 hours of approved pre-licensing education, a Pearson VUE exam ($84), fingerprints through Identogo ($47.25), and a $50 application through NIPR.

In Wisconsin, the license you need is the Intermediary Individual (producer) license; the state treats insurance brokers, agents, and producers alike as intermediaries. Choose the lines of authority matching what you sell. The major lines are Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, and Variable Life and Variable Annuity. To sell auto or homeowners insurance you must hold both property and casualty lines; selling variable products also requires FINRA registration (the SIE exam plus Series 6 or Series 7).

You need a producer license from the Wyoming Department of Insurance; "producer" covers both agents and brokers. Anyone 18 or older can apply by passing the Wyoming Insurance Licensing Exam through Pearson VUE for the lines of authority you want, such as Life, Accident and Health, Property, or Casualty, then applying online through Sircon and submitting fingerprints.