How to Get Your Life Insurance License
Getting licensed is the first real step toward helping families with life insurance. The process is clear once you see it laid out, though the details vary by state. Here are the general steps most people follow.
Step 1: Check your state's requirements
Each state's Department of Insurance sets its own rules. You'll usually get your first license, called a resident license, in the state where you live. Most states require you to be at least 18.
Look up your state's rules for pre-licensing education, the exam, fingerprints, and the background check, since requirements vary by state.
Steps 2 and 3: Take a course and pass the state exam
Pre-licensing course. Many states require a set number of course hours; others strongly recommend a course. You can often study online at your own pace. The course covers types of life insurance, how policies work, contract basics, state insurance laws, and ethics. Practice exams help you see when you're ready.
State exam. You'll schedule your exam through your state's testing provider. Exams are usually taken at a testing center or with an approved proctor, and you'll need a valid photo ID. If you don't pass the first time, most states let you retake it, though waiting periods may apply.
Steps 4 and 5: Background check and license application
Fingerprints and background check. Many states require fingerprints and a background check before issuing a license. Answer every application question honestly. Some past issues, such as certain criminal convictions, may require extra review or approval, so it's better to ask your state early than to be surprised later.
Apply for your license. After you pass, you apply through your state. Many states accept applications through the National Insurance Producer Registry (NIPR), which lets you apply online. Once licensed, you'll have a National Producer Number (NPN) that follows you across states. Later, you can apply for non-resident licenses to serve clients in other states.
Step 6: Get appointed and keep learning
Before you can offer a specific company's products, that insurance company usually needs to appoint you, which means formally authorize you to represent it. Insurance companies commonly require product training, and many require anti-money-laundering training.
To keep your license active, you'll complete continuing education and renew on your state's schedule. A license is a starting line, not a finish line.
How we help along the way
You don't have to figure out the process alone. When you talk with us, we'll walk through your state's steps, help you set a realistic study plan around your job and family, and answer questions as they come up. Once you're licensed, our training and mentorship help you learn the work the right way.
Questions people ask
How long does it take to get licensed?
It varies by state and by how much time you can study. Some people finish in a few weeks; others take longer while working full-time. Background checks and application processing take time too.
Do I need a college degree?
Generally, no. States don't usually require a degree for a life insurance license. You do need to complete your state's requirements and pass the exam.
Can I get licensed while working another job?
Yes. Many people study in the evenings or on weekends. We can help you plan a study schedule that fits your life.
Licensing requirements and timelines are set by each state and can change. Check with your state's Department of Insurance for current rules.
Insurance agents are typically paid by commission, not salary. Results vary widely, and no level of income is promised.
WEDOIT LLC, Carlsbad, New Mexico 575-266-3119 · info@wedoitinsurance.com · Led by Dr. Joel M Tchafack, PharmD, a pharmacist licensed in NM, CO, MD, NC, SC, TN, TX, VA and WY (NPN 19623090).
This content is for education only and isn't tax, legal, or investment advice. Coverage and benefits depend on the product, carrier, state, and underwriting.