How to Get Health and Life Insurance License: 6 Steps

How to Get a Health and Life Insurance License: The Real Process

Getting a health and life insurance license takes most people 4–8 weeks from starting prelicensing education to holding a valid state license. It's not a quick process — but it's also not as complicated as many aspiring agents assume. The steps are clear and predictable once you know what they are.

Here's the full picture, from deciding to become a licensed agent through your first legal insurance sale.

Step 1: Meet Basic Eligibility Requirements

Before spending money on education or exam fees, confirm you're eligible to hold an insurance license in your state. Requirements vary by state, but the baseline across most jurisdictions:

• Must be 18 years old (some states allow 16+)
• Must be a US resident or authorized to work in the US
• Must pass a criminal background check (felony convictions can disqualify you, though some states allow waivers for certain offenses)
• Must have a Social Security Number for background check purposes

Criminal history is the most common eligibility issue. If you have a criminal record, check your state's insurance department guidelines before investing in prelicensing — some convictions are automatic disqualifiers, others are reviewed case-by-case.

Step 2: Complete Prelicensing Education

Every state requires you to complete a set number of prelicensing education hours before you can sit for the licensing exam. The exact number varies by state and license type:

• Life insurance only: Typically 20–40 hours depending on the state
• Health insurance only: Typically 20–40 hours
• Life and Health combined: Often 40–60 hours total, sometimes 80+ in stricter states (Florida requires 60 hours for each line)

Prelicensing courses are offered by state-approved education providers — online self-paced options are most common and typically cost $50–150 for a bundled life and health package. The coursework covers insurance fundamentals: policy types, underwriting concepts, state regulations, ethics, and the specific content that appears on the licensing exam.

Don't rush through the prelicensing material just to check the box. The exam questions come directly from this content. Candidates who treat prelicensing as a formality (rather than actual exam preparation) consistently struggle on the licensing exam.

Step 3: Apply to Take the State Licensing Exam

Once you complete your prelicensing education, you'll receive a certificate of completion. You use this to register for the state licensing exam through your state's approved testing vendor — most states use Pearson VUE, Prometric, PSI, or ExamFX.

Exam fees vary by state and license type, typically ranging from $40–150 per exam attempt. You can test at a physical testing center or via remote online proctoring in most states — same fee either way.

Register early. Testing appointments at popular times fill up, and waiting weeks for a seat can delay your timeline significantly if you're working toward a start date with an agency or employer.

Step 4: Pass the State Licensing Exam

The life and health insurance licensing exam is a multiple-choice test covering the concepts from your prelicensing coursework. A combined life and health exam typically runs 150–200 questions across 2.5–3 hours. Passing score is usually 70%.

The exam covers:

• Types of Life Insurance — term, whole, universal, variable life policies and their features
• Types of Health Insurance — major medical, disability, long-term care, Medicare supplements
• Policy Provisions and Riders — beneficiary designations, assignment, incontestable clauses, grace periods
• Underwriting Concepts — insurable interest, risk classification, premium factors
• State-Specific Regulations — free-look periods, replacement rules, unfair trade practices, ethics

Our Life and Health Insurance Policy Provisions and Riders and Life and Health Insurance Claims and Benefits practice tests target the content areas that give most candidates the most trouble. The state regulations section trips up many test-takers who focused entirely on product knowledge — practice the regulatory content specifically.

If you don't pass on the first attempt, most states allow you to retake the exam after a waiting period (typically 24–72 hours). Some states limit the number of retakes before requiring additional prelicensing education.

Step 5: Submit Your License Application

Passing the exam doesn't give you a license — it makes you eligible to apply for one. The application goes through your state's Department of Insurance (or equivalent), usually via the NIPR (National Insurance Producer Registry) portal or a state-specific system.

The application includes:

• Exam pass notice from your testing vendor
• Prelicensing education certificate
• Background check authorization (you typically pay for this separately — $20–80 depending on state)
• Application fee ($20–100 depending on state)
• Disclosure of any criminal history or regulatory violations

Processing time varies: some states issue licenses digitally within days of application approval; others take 2–4 weeks. You cannot legally sell insurance until you hold the actual license — not the exam pass, the issued license.

Step 6: Get Appointed with an Insurance Company

A license lets you sell insurance. An appointment lets you sell a specific company's products. Most states require you to be appointed by each carrier you represent before you can sell their policies.

If you're joining an agency or captive carrier (like State Farm, Allstate, etc.), your employer handles the appointment process for you. If you're going independent, you'll need to apply for appointments individually with each carrier you want to represent — they'll run their own background check and may have their own requirements beyond the state license.

The complete guide to getting a life and health insurance license covers the state-by-state variation in this process and what to expect from carrier appointments.

Continuing Education Requirements

Most states require licensed insurance agents to complete continuing education (CE) to renew their license every 2 years. Life and health typically requires 24 hours of CE per renewal period, including a set number of ethics hours. CE courses are widely available online from approved providers, usually $5–15 per hour.

Missing CE deadlines results in license suspension — and you can't sell during suspension. Build CE into your professional calendar well before renewal dates to avoid last-minute scrambles.

Our life and health insurance license exam study guide covers the full range of exam content with practice questions, and our Life and Health Insurance Practice Test PDF gives you printable study materials you can use anywhere in your prep.

Prepare for the Life and Health Insurance Exam

The clearest predictor of exam success is the quality of your practice — not just the hours you put in, but whether you're using realistic exam-format questions that test the same content areas in the same way the state exam does.

Our free practice tests cover policy types, premium calculations, claims and benefits, provisions and riders, and state regulation concepts. Start with the Life and Health Insurance Claims and Benefits 2 test to assess your current knowledge on one of the higher-weight exam areas. Then use the Premium Calculations and Tax Treatment test — the math-based questions that trip up candidates who focused only on product descriptions.

If you're studying for the Georgia exam specifically, our Georgia life and health insurance license guide covers state-specific requirements that differ from the general process. Build your knowledge now, practice consistently, and walk into the exam ready to pass on the first attempt.