How do I become a licensed Insurance Agent — Life & Health?

Typically: complete the required pre-license education, pass a criminal background check, register with the exam vendor, pass the state exam, and pay the license fee. Exact requirements vary by state — see the table below for your state.

How hard is the Insurance Agent — Life & Health exam?

First-attempt pass rates vary by state (where published). The exam usually has a national portion and a state-specific portion, both of which you must pass. Study time and practice volume are the strongest predictors of passing.

Can my license transfer to another state?

Reciprocity varies by occupation and state. Some states honor licenses from listed states; others require additional exams or education. Check the reciprocity note for your state or contact both state boards.

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Insurance Agent — Life & Health — License Requirements by State

Sells life, health and annuity products. Separate state license from P&C.

51 of 51 states populated with official data (retrieved 2026-08-20).

By The LicenseFig Editorial Team · independent editorial research project

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State	Education	Exam	Pass %	Fees	Retake	Reciprocity	Official
AL	—	—	—	—	—	—	Alabama Department of Insurance ↗
AK	—	—	—	—	—	—	Alaska Division of Insurance ↗
AZ	—	—	—	—	—	—	Arizona Department of Insurance and Financial Institutions ↗
AR	—	—	—	—	—	—	Arkansas Insurance Department ↗
CA	12 hrs	150N · 60%	—	—	—	—	California Department of Insurance ↗
CO	—	—	—	—	—	—	Colorado Division of Insurance ↗
CT	—	—	—	—	—	—	Connecticut Insurance Department ↗
DE	—	—	—	—	—	—	Delaware Department of Insurance ↗
DC	—	—	—	—	—	—	DC Department of Insurance, Securities and Banking ↗
FL	60 hrs	150N · 70% · $44	—	App $50 · Lic $5	—	—	Florida Department of Financial Services ↗
GA	—	—	—	App $120	—	—	Georgia Office of Commissioner of Insurance and Safety Fire ↗
HI	—	—	—	—	—	—	Hawaii Insurance Division ↗
ID	—	—	—	—	—	—	Idaho Department of Insurance ↗
IL	—	—	—	—	—	—	Illinois Department of Insurance ↗
IN	—	—	—	—	—	—	Indiana Department of Insurance ↗
IA	—	—	—	—	—	—	Iowa Insurance Division ↗
KS	—	—	—	—	—	—	Kansas Insurance Department ↗
KY	—	—	—	—	—	—	Kentucky Department of Insurance ↗
LA	—	—	—	—	—	—	Louisiana Department of Insurance ↗
ME	—	—	—	—	—	—	Maine Bureau of Insurance ↗
MD	—	—	—	—	—	—	Maryland Insurance Administration ↗
MA	—	—	—	—	—	—	Massachusetts Division of Insurance ↗
MI	—	—	—	—	—	—	Michigan Department of Insurance and Financial Services ↗
MN	—	—	—	—	—	—	Minnesota Department of Commerce ↗
MS	—	—	—	—	—	—	Mississippi Insurance Department ↗
MO	—	—	—	—	—	—	Missouri Department of Commerce and Insurance ↗
MT	—	—	—	—	—	—	Montana Office of the Commissioner of Securities and Insurance ↗
NE	—	—	—	—	—	—	Nebraska Department of Insurance ↗
NV	—	—	—	—	—	—	Nevada Division of Insurance ↗
NH	—	—	—	—	—	—	New Hampshire Insurance Department ↗
NJ	—	—	—	—	—	—	New Jersey Department of Banking and Insurance ↗
NM	—	—	—	—	—	—	New Mexico Office of Superintendent of Insurance ↗
NY	90 hrs	150N · 70% · $33	—	App $80	—	—	New York State Department of Financial Services ↗
NC	—	—	—	—	—	—	North Carolina Department of Insurance ↗
ND	—	110N · 70% · $67	—	—	—	—	North Dakota Insurance Department ↗
OH	—	—	—	—	—	—	Ohio Department of Insurance ↗
OK	—	· $38	—	—	—	—	Oklahoma Insurance Department ↗
OR	—	—	—	—	—	—	Oregon Division of Financial Regulation ↗
PA	—	150N · 70% · $55	—	App $55	—	—	Pennsylvania Insurance Department ↗
RI	—	—	—	—	—	—	Rhode Island Department of Business Regulation — Insurance Division ↗
SC	—	—	—	—	—	—	South Carolina Department of Insurance ↗
SD	—	—	—	—	—	—	South Dakota Division of Insurance ↗
TN	—	· $80	—	—	—	—	Tennessee Department of Commerce and Insurance ↗
TX	—	130N · 70% · $49	—	App $50	—	—	Texas Department of Insurance ↗
UT	—	—	—	—	—	—	Utah Insurance Department ↗
VT	—	—	—	—	—	—	Vermont Department of Financial Regulation ↗
VA	—	—	—	—	—	—	Virginia State Corporation Commission — Bureau of Insurance ↗
WA	—	—	—	—	—	—	Washington Office of the Insurance Commissioner ↗
WV	—	—	—	—	—	—	West Virginia Offices of the Insurance Commissioner ↗
WI	—	—	—	—	—	—	Wisconsin Office of the Commissioner of Insurance ↗
WY	—	—	—	—	—	—	Wyoming Department of Insurance ↗

Data retrieved 2026-08-20 from state boards, PSI, Pearson VUE and CMS. Requirements change — verify with your state board before enrolling or paying. Dash (—) = not published / pending verification.

Insurance Agent — Life & Health — License Requirements by State

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