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Connecticut Insurance License Requirements

Do you want to become an insurance agent and get your Connecticut insurance license? XCEL has taught thousands of aspiring insurance professionals in Connecticut and we make it easy for you to get up to speed on the Connecticut insurance requirements.

Connecticut Insurance License SchoolConnecticut Insurance License School

How to Obtain a Connecticut Insurance Producer License  

1. Complete the Pre-Licensing Course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Life, Accident and Health – 40 hours
  • Property and Casualty – 40 hours 
  • Personal lines - 20 hours 

Course Requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Completion of this course satisfies the prelicensing education requirement. 

Final Examination:

  • The final examination must be monitored by a proctor. A proctor is defined as, “a disinterested third party with no conflict of interest who verifies the student’s identity and processes an affidavit testifying that the student has received no outside assistance with the course or examination.”
  • The final examination will be unlocked when the proctor confirms your identity via electronic means.  
  • Your will not be able to review the course content once the final examination has begun. 
  • The final examination must be completed with a score of at least 70% before the certificate is issued. 
  • When the final examination is completed, you and the proctor will be required to complete the affidavit. 

Certificate Information

To be eligible for a Certificate of completion, you must follow several steps:  

  • Completion of the course, including the proctored final exam. 
  • Submit an electronic affidavit.  
  • You can access the certificate under the Transcript section in your dashboard. 
  • Certificates are valid for 1 year. 

2. Schedule the Connecticut State Examination.

  • Registration must be completed online on Pearson Vue website: www.pearsonvue.com/ct/insurance
  • You will be required to enter the school code during registration. The school code can be found on the certificate of completion.
  • Single line fee – $65
  • Combined exam fee: $105
  • Spanish exams are available

Online Proctored Exams:

  • You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/ct/insurance/onvue
  • If your computer is not compatible with the online software, you will need to schedule your examination at Pearson Vue test center.
Limitation on Repeat Examinations:
  • There are no limitations on retaking the exam. 
  • Candidates taking an online examination are permitted two attempts per exam. All subsequent examination attempts will have to be taken at a Pearson VUE testing center. There are no exceptions to this rule

3. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”. 
    • On the day of testing, you must present two forms of identification bearing your signature, one of which must be a valid government issued photo id. 

4. Apply for License

  • Submit license application electronically through SIRCON Online Services
  • Application fee – $140 plus processing fee
  • NIPR verifies exams prior to allowing submission of an application.

Person Vue Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life Health L&H
Life Insurance
Types of Policies 15 0 15 20% 0% 12%
Policy Riders, Provisions, Options, and Exclusions 15 0 15 20% 0% 12%
Completing the Application, Underwriting, and Delivering the Policies 12 0 12 16% 0% 9%
Taxes, Retirement, and Other Insurance Concepts 8 0 8 11% 0% 6%
Health Insurance
Types of Policies 0 16 16 0% 21% 12%
Policy Provisions, Clauses, and Riders 0 15 15 0% 20% 12%
Social Insurance 0 6 6 0% 8% 5%
Other Insurance Concepts 0 5 5 0% 7% 4%
Field Underwriting Procedures 0 8 8 0% 11% 6%
Connecticut Laws and Rules
CT Statutes, Rules and Regulations Common to All Lines 18 18 18 24% 24% 14%
CT Statutes, Rules and Regulations Pertinent to Life Insurance Only 7 0 5 9% 0% 4%
CT Statutes, Rules and Regulations Pertinent to Accident, Health or Sickness Insurance Only 0 7 7 0% 9% 5%
Total for all parts
Total Questions 75 75 130
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property P&C Casualty Property P&C
Casualty Insurance
Types of Policies, Bonds, and Related Terms 23 0 23 33% 0% 19%
Insurance Terms and Related Concepts 15 0 15 19% 0% 11%
Policy Provisions 12 0 12 15% 0% 8%
Property Insurance
Types of Property Policies 0 22 22 0% 33% 19%
Insurance Terms and Related Concepts 0 15 15 0% 19% 11%
Policy Provisions and Contract Law 0 13 13 0% 15% 8%
Connecticut Laws and Rules
CT Statutes and Regulations Pertinent to All Lines 18 18 18 24% 24% 14%
CT Statutes and Regulations Pertinent to Property and Casualty 4 3 3 4% 4% 2%
CT Statutes and Regulations Pertinent to Casualty Insurance 3 0 4 5% 0% 3%
CT Statutes and Regulations Pertinent to Property Insurance 0 4 5 0% 5% 4%
Total for all parts
Total Scored Questions on Exam 75 75 130
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Personal Lines Insurance 
Types of Property Policies  10 10%
Types of Casualty Policies  13 12%
Property and Casualty Insurance Terms and Related Concepts  28 27%
Property and Casualty Policy Provisions and Contract Law  24 23%
Connecticut Laws and Rules 
CT Statutes and Regulations Pertinent to All Lines  18 17%
CT Statutes, Rules, and Regulations Common to All Lines.  3 3%
CT Statues, Rules, and Regulations Pertinent to Property Insurance Only  4 4%
CT Statues, Rules, and Regulations Pertinent to Casualty Insurance Only  5 5%
Total for all parts 
Total Scored Questions on Exam  105
Maximum Time allowed to complete exam in minutes  120
Passing Score  70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for License

Governing Agency

Name: State of Connecticut Insurance Department
Phone: 800-203-3447
Website: https://portal.ct.gov/cid
Address: 153 Market Street, 7th Floor Hartford, CT 06103

Connecticut Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements Per License 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, and before submitting their renewal application.

  • A minimum of six (6) credit hours are required for each line of authority held by the producer on the first day of each biennium. 

Specific Product Training Requirements 

The Connecticut Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products. 

Long-Term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance.
  • In addition to 4 hours of classroom training on Partnership Program.
  • The initial LTC course credits count towards the agent's 24-hour CE requirement.  
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Connecticut. 

Course Requirements

  • Licensees can use independent self-study courses to meet all requirements.
  • Licensees may take courses in any line of authority.
  • Self-study exams are closed book and require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Up to 24 excess credit hours earned in the previous biennial renewal period can be carried over to the next reporting period.  

Reporting To Your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $1.50 per credit hour is required to report course completions to your state. 
  • Course completions are reported within one business day. 

Renew Your License

Resident and nonresident license renewal applications are processed through NIPR. A $160.00 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Connecticut Insurance Department
https://portal.ct.gov
334-241-4126
cid.licensing@ct.gov
P.O. Box 816, Hartford, CT 06142-0816