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Utah insurance license requirements

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

Utah Insurance License SchoolUtah Insurance License School

How To Obtain a Utah Insurance Producer License  

The state of Utah has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.

1. Complete the Pre-Licensing Course 

  • Life Only 
  • Accident & Health Only 
  • Life, Accident & Health  
  • Casualty Insurance  
  • Property Insurance  
  • Property and Casualty  
  • Personal lines  

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. 

2. Schedule the Utah State Examination

Online Proctored Exams

  • You must check the compatibility of your computer before registering for the exam. https://rpcandidate.prometric.com/ 
  • If your computer is not compatible with the online software, you will need to schedule your examination at the Prometric test center. 
Limitation on Repeat Examinations
  • There are no limits on exam retakes. 

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 an unexpired and valid government issued photo id. The name must exactly match the name used to register for the exam (including designations such as “Jr.” and “III”).

4. Submit your Fingerprints

  • AFTER you pass the exam, you must complete your license application using the kiosks at the test center. The license application will include an FBI/BCI fingerprints payment. 
  • Present the test center supervisor your passing score report and the payment confirmation and your fingerprints will then be scanned. 
  • Fingerprint Fee: $28.25 plus $6.00 for processing 

 

If you are taking the exam remotely from home, please refer to page 10 of the candidate handbook for information regarding the fingerprint process. 

5. Apply for License

  • AFTER you pass the exam, you must complete your license and fingerprints at PROMETRIC. 
  • Submit license application online through www.nipr.com using the kiosks at the Prometric test center. 
  • Application fee $75 plus processing fee 
  • The application and fee must be submitted within 90 days of passing the exam otherwise you must retake the state exam. 
  • If you answer "Yes" to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court's web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse  
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse. 
  • NIPR verifies exams prior to allowing submission of an application. 

Prometric Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life Health L&H
Life Insurance
Insurance Regulations 15 15 14 15% 15% 9%
General Insurance 10 10 9 10% 10% 6%
Life Insurance Basics 18 0 15 18% 0% 10%
Life Insurance Policies 18 0 15 18% 0% 10%
Life Insurance Policy Provisions, Options and Riders 20 0 17 20% 0% 11%
Annuities 11 0 8 11% 0% 5%
Federal Tax Considerations for Life Insurance and Annuities 4 0 3 4% 0% 2%
Qualified Plans 4 0 3 4% 0% 2%
Health Insurance
Accident and Health Insurance Basics 0 12 20 0% 23% 13%
Disability Income and Related Insurance 0 12 9 0% 10% 6%
Medical Plans 0 13 11 0% 13% 7%
Group Accident and Health Insurance 0 10 9 0% 10% 6%
Dental Insurance 0 2 2 0% 2% 1%
Medicare 0 8 8 0% 8% 5%
Long Term Care Insurance 0 7 6 0% 7% 4%
Federal Tax Considerations for Accident and Health Insurance 0 2 5 0% 2% 3%
Total for all parts
Total Scored Questions on Exam 100 100 150
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 | Property Insurance
Insurance Regulation 11 13 17 11% 13% 11%
General Insurance 11 13 15 11% 13% 10%
Property and Casualty Insurance Basics 13 16 18 13% 16% 12%
Dwelling 0 8 6 0% 8% 4%
Homeowners Policy 14 17 18 14% 17% 12%
Auto Insurance 14 0 20 14% 0% 13%
Commercial Package Policy (CPP) 10 14 17 10% 14% 11%
Businessowners Policy 10 15 12 10% 15% 8%
Workers Compensation Insurance 9 0 17 9% 0% 11%
Other Coverages and Options 8 4 12 8% 4% 8%
Total for all parts
Total Scored Questions on Exam 100 100 150
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
Insurance Regulation 12 12%
General Insurance 12 12%
Property and Casualty Insurance Basics 16 16%
Dwelling Policy 10 10%
Homeowners Policy 22 22%
Auto Insurance 22 22%
Other Coverages and Options 6 6%
Total for all parts
Total Scored Questions on Exam 100
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 & pay fingerprint fee
5. Submit Fingerprints

Governing Agency

Name: Utah Insurance Department
Phone: 801-538-3855
Website: https://www.insurance.utah.gov
Address: P.O. Box 146901 Salt Lake City, UT 84114-6901

Utah 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, before submitting their renewal application. At least 12 hours must be completed in a classroom or classroom equivalent environment

Specific Product Training Requirements 

The Utah 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.

Long-Term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 3-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 3-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. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Training course before selling, soliciting, or negotiating annuity products. 
  • Annuity Training 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 Utah.

Flood Insurance (NFIP) Training Requirements

  • 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. 

Course Requirements 

Online Self-Study course requirements 12 hours

  • Licensees may take courses in any line of authority. 
  • Self-study exams are closed book and do not 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

 

Classroom/Classroom equivalent course requirements – 12 hours 

  • Licensees may take courses in any line of authority. 
  • Classroom/Classroom equivalent courses do not require a final exam. 
  • 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. 

Reporting to your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $1.25 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 $75 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

Utah Insurance Department - Licensing Division
https://www.insurance.utah.gov/licensee/producers/ce
801-957-9200
4315 S. 2700 W., Suite 2300, Taylorsville, UT 84129