• Life Only – 20 hours 
• Accident & Health Only – 20 hours 
• Casualty Insurance – 20 hours 
• Property Insurance – 20 hours 
• Personal lines - 20 hours 

• 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. 
• 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. 

• 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.  
• You 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. 

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. 

• Registration must be completed online through PSI website: https://test-takers.psiexams.com/mnins
• Pearson VUE exam fees – $45
• Spanish exams are available.

• You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com/
• If your computer is not compatible with the online software, you will need to schedule your examination online through PSI or by calling (866) 395-1006

• 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 pre-license education requirements, your exam results will be invalid and you will have to retake the examination, even if you passed it. 

• 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 a valid government issued photo id and the certificate(s) of completion. 

• The state of Minnesota requires fingerprinting.  
• Fingerprints can be done at any of MN PSI’s test sites and are highly recommended on the day of examination.  
• Fingerprint Fee: $65.00 

• Submit license application electronically through SIRCON Online Services
• Application fee $50.00

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

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.

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. 

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, before submitting their renewal application. 

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

• Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
• Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
• The initial and refresher 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. 

• 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 Minnesota. 

• Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
• The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

• Licensees can use independent self-study courses to fill 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. 
• Excess credit hours earned in the previous biennial renewal period cannot be carried over to the next reporting period. Any excess is lost. 

• Students must provide their National Producer Number (NPN) to report on course completion. 
• No fee per credit hour is required to report course completions to your state. 
• Course completions are reported within one business day. 

Resident and nonresident license renewal applications are processed through NIPR. A $50 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.

Find your Minnesota insurance license number View your CE transcript Renew your license.

Minnestoa Department of Insurance - Licensing Division
https://mn.gov/commerce/licensees/insurance/
651-539-1599
licensing.commerce@state.mn.us
85-7th Place East, Suite 280, St. Paul, MN 55101