Insurance Agent License Requirements

What Is an Insurance Agent?

An insurance agent is a professional who sells and services insurance policies on behalf of insurers. Agents help individuals and businesses choose coverage for auto, health, life, property, and other risks, and explain policy terms and claims procedures.

Is a License Required?

All states require agents to obtain a resident or non‑resident insurance producer license for each line of authority they intend to sell (such as life, health, property & casualty). Some states also require an appointment by an insurer before soliciting business.

Overview of the Licensing Process

Choose the desired lines of authority (e.g., life, health, property & casualty).
Meet eligibility requirements – Typically includes a minimum age (18), background check, and residency or citizenship requirements.
Complete pre‑licensing education – Most states require a certain number of hours for each line of authority.
Pass the state licensing exam(s) for each selected line.
Submit an application with fees through the state insurance department or the National Insurance Producer Registry (NIPR).
Maintain a bond or E&O insurance if required.

Regulatory Authority

Insurance licensing is regulated by the state insurance department or commission. These agencies administer exams, process applications, and enforce insurance laws and consumer‑protection regulations.

Renewal and Continuing Education

Licenses usually must be renewed every two years. Agents must complete continuing education (CE) hours, including ethics training, and remit renewal fees. Failure to meet CE requirements may result in penalties or license suspension.

Reciprocity

State insurance departments often grant reciprocal licensing to producers who already hold an active license in another state. The non‑resident license may be obtained through NIPR with proof of good standing; however, some states require additional filings or fees.

Select Your State

Use the selector below to view state‑specific requirements, including education hours, exam details, and renewal procedures.

Resources

Next Steps

Select your state to view the licensing requirements and required exams.
Schedule and complete pre‑licensing education.
Take and pass the licensing exam(s) for your line(s) of authority.
Submit your application through your state insurance department or NIPR.
Maintain compliance by completing CE and renewing on time.