Minnesota Insurance License Classes Online

Looking for an Minnesota insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality Minnesota insurance license courses, industry expertise and convenience. All of XCEL's Minnesota courses are approved by the The Minnesota Department of Commerce.
Online Course

Minnesota Life and Health Bundle Purchase Pre-licensing

$199.00
Online Course

Minnesota Life Pre-licensing

$199.00
Online Course

Minnesota Health Pre-licensing

$199.00

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Minnesota State Insurance Licensing Requirements

HOW TO OBTAIN A MINNESOTA INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 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 and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Applicants are required to spend a minimum of 20 hours per line of authority.
    • XCEL will be tracking the time spent studying in the course.
    • You will be asked to authenticate your identity on a periodic basis throughout the course.
    • Your course will time out (automatically log out) if you leave the course inactive for more than ten minutes.

Final Examination

  • The final examination must be monitored by a proctor. The MN Department of Commerce defines a proctor 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 final exam.
  • Satisfying the time requirement (20 hours per line of authority) which will be verified by a member of our compliance team the following business day.
  • Course completion rosters will be reported to the MN Department of Commerce within 5 business days.
  • Education providers are required to collect and report the last four of ssn.
  • Certificates are valid for lifetime.
  • Download and Print certificate through the “Transcript” tile on the user dashboard.

Schedule the Minnesota State examination.

Limitation on repeat examinations:

  • There is no limit to the number of attempts a candidate can make on the same exam.
  • If you take the examination before you have completed prelicense education requirements, your exam results will be invalid and you will have to retake the examination, even if you passed it.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/mncommerce/onvue
  • If your computer is not compatible with the online software, you will need to schedule your examination online through Pearson VUE or by calling (833) 273-1946.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course up until test day.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of 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 a valid government issued photo id and the certificate(s) of completion.

Submit your Fingerprints

  • The state of Minnesota requires fingerprinting. To make a fingerprint reservation go to https://pearsonwest.ibtfingerprint.com, or call IDEMIA at (866) 761-8069
  • Fingerprint Fee: $67.25

Apply for license

Exam Outlines

DESCRIPTION Question Count % of Exam Questions
L&H Life Health L&H Life Life and Health
Life Insurance – General
I. Types of Policies 12 12 0 9% 16% 0%
II. Policy Riders, Provisions, Options, and Exclusions 18 18 0 14% 24% 0%
III. Completing the Application, Underwriting, and Delivering the Policy 12 12 0 9% 16% 0%
IV. Taxes, Retirement, and Other Insurance Concepts 8 8 0 6% 11% 0%
Health Insurance – General
I. Types of Policies 14 0 14 11% 0% 19%
II. Policy Provisions, Clauses, and Riders 20 0 20 15% 0% 27%
III. Social Security 3 0 3 2% 0% 4%
IV. Other Insurance Concepts 4 0 4 3% 0% 5%
V. Field Underwriting Procedures 9 0 9 7% 0% 12%
MN Laws Rules and Regulations
I. MN Laws Rules and Regulations common to Life, Health, Property and Casualty 20 20 20 15% 27% 27%
II. MN Laws Rules and Regulations Pertinent to Health Insurance Only 5 0 5 4% 0% 7%
III. MN Laws Rules and Regulations Pertinent to Life Insurance only 5 5 0 4% 7% 0%
Total for all parts 130 – 15

pretest

75 – 15

pretest

75-15

pretest

100% 100% 100%
Total Scored Questions on Exam 130 75 75 130 75 75
Maximum Time allowed to complete exam in minutes 180 120 120 180 120 120
Minimum Correct for Passing Score 70 70 70 70 70 70

 

DESCRIPTION Question Count % of Exam Questions
Property and

Casualty

Property Casualty Personal Lines Property and

Casualty

Property Casualty Personal Lines
Property Insurance – General
I. Types of Policies 25 25 0 0 20% 33% 0% 0%
II. Insurance Terms 14 14 0 0 11% 19% 0% 0%
III. Policy Provisions and Contract

Law

11 11 0 0 9% 15% 0% 0%
Casualty Insurance – General
I. Types of Policies, Bonds, and Related Items 25 0 25 0 20% 0% 33% 0%
II. Insurance Terms and Related Concepts 14 0 14 0 11% 0% 19% 0%
III. Policy Provisions 3 0 11 0 2% 0% 15% 0%
Personal Lines – General
I. Types of Property Policies 0 0 0 10 0% 0% 0% 11%
II. Types of Casualty Policies 0 0 0 13 0% 0% 0% 15%
III. Property and Casualty Insurance Terms and Related Concepts 0 0 0 28 0% 0% 0% 31%
IV. Property and Casualty Policy

Provisions and Contract Law

0 0 0 24 0% 0% 0% 27%
MN Laws Rules and Regulations
I. MN Laws Rules and Regulations common to Life, Health, Property

and Casualty

20 20 20 10 16% 27% 27% 11%
II. MN Laws Rules and Regulation Pertinent to Property Insurance Only 5 0 0 0 4% 0% 0% 0%
III. MN Laws Rules and Regulations Pertinent to Casualty

Insurance only

5 5 5 0 4% 7% 7% 0%
III. MN Laws Rules and Regulations Pertinent to Personal

Lines Insurance only

0 0 0 4 0% 0% 0% 4%
Total for all parts 130 – 15

pretest

75 – 15

pretest

75 -15

pretest

89-11

pretest

100% 100% 100% 100%
Total Scored Questions on Exam 122 75 75 89 130 75 75 89
Maximum Time allowed to

complete exam in minutes

180 120 120 120 180 120 120 120
Minimum Correct for Passing Score 70 70 70 70 70 70 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course and time requirement
2. Register for exam
3. Pass exam (Must have valid ID and Certificate)
4. Submit Fingerprints
5. Apply for License

Governing Agency

Name: Minnesota Department of Commerce Licensing Unit
Phone: 651-539-1599
Website: https://mn.gov/commerce/
Address: 85 7th Place E., Suite 280 St. Paul, MN 55101-2198

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.