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Accident & Health

Accident & Health (Disability) Insurance License: What You Need to Know

 

Health or disability insurance is also known as accident and health insurance in some states (ex. Missouri, Montana). America’s Professor offers comprehensive pre-licensing courses to help you pass your state exam and become a licensed accident & health insurance agent/producer.

 

What Is an Accident & Health Insurance License?

 

This license grants insurance agents the right to sell this particular type of insurance to the public.

 

Who Is Required to Carry an Accident & Health Insurance License?

 

Sales agents are required to obtain a license in order to sell insurance policies. Additionally, in many states Customer Service Representatives (CSRs) or other administrators who discuss and/or makes changes to insurance policies may also be required to maintain an insurance license.

 

What Types of Policies Do Accident & Health Insurance Agents Sell?

 

  • Affordable Care Act (ACA) policies
  • Individual health insurance
  • Family health insurance
  • Disability Income
  • Long-Term Care
  • Indemnity plans
  • Critical Illness plans
  • Medicare Supplements

 

Requirements for an Accident & Health Insurance License

 

  • Research state requirements: Each state has its own standards, so you will need to become familiar with the rules that prevail in your community. You must get a separate license for each state where you will be practicing.
  • Pass the state test: The exam requirements vary by state, but generally you can expect anywhere from 50-200 multiple choice questions, and the exam will be timed. You may also be required to pass a background check.
  • Get fingerprinted: There is usually a fingerprinting technician on-site where you go to take your exam.
  • Apply for the license: If you pass the test, you can apply for your license. It will probably take a few weeks before you receive it.
  • Fulfill any continuing education requirements: Your state may require you to take continuing education classes—every two years is typical—or otherwise demonstrate your understanding of current laws and procedures.!

 

Health Insurance License

What Steps Must I Take to Maintain My License?

 

License holders must comply with any Codes of Conduct that prevail in the state where they practice.

 

How Often Must I Renew the License?

 

It varies. Every two years is common.

 

How Do I Study for the Accident and Health Insurance Exam?

 

Many states require you to take a pre-licensing course to help you prepare for your exam. This is where America’s Professor comes in. Our courses include:

 

  • Detailed video lectures featuring in-depth content to help you prepare for your state’s exam, accessible 24/7
  • Free, comprehensive textbook to help you study, shipped to you free
  • Hundreds of sample questions and quizzes
  • 45-day standard subscription period, with extra time if needed at no charge

 

America’s Professor is your trusted resource for pre-licensing courses. Enroll in a course today and take the first step toward becoming a licensed accident & health insurance agent!

 

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PRE-LICENSE COURSES  SAMPLE QUESTIONS


We make every effort to ensure that the content on our site is accurate but it’s always recommended to you contact your state’s Insurance Licensing Department or Test Provider for information. Thank you. – The AP Team