Iowa Insurance Pre Licensing Courses

If you’re planning to take an insurance licensing exam in Iowa, preparing for the exam is the key to passing on the first try.

That’s true whether you’re prepping for the Iowa Life and Health insurance exam, the Property and Casualty exam, or an exam for another line of authority.

Over our 35-year history America’s Professor’s Dr. Jack Morton has helped thousands of students pass their insurance licensing exams. We’ve earned a reputation as one of the most trusted pre-licensing education providers in Iowa and across the country.

Our students have one of the highest reported pass rates in the nation.

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Why Get Your Insurance License in Iowa?

The state of Iowa is an ideal place to work as an insurance agent. The cost of living is low compared to neighboring states, yet the demand for insurance is high.

An agricultural hotspot, Iowa has also seen rapid growth in tech, manufacturing, biotechnology, and green energy production in recent years. The state’s healthy job market, affordable housing, and good schools are attracting families from all over the country.

The average Iowa family needs multiple insurance policies to protect their health and assets—from auto insurance to life insurance to annuities.

As a licensed insurance agent, you’ll find plenty of career opportunities in and around Iowa’s population centers, including Des Moines, Cedar Rapids, Waterloo, and Sioux City. But people need insurance coverage in every corner of the state, so if rural life better suits you, becoming a small-town agent is also within reach. America’s Professor is a trusted provider offering Iowa insurance pre-licensing courses to those aspiring to enter the industry in a state filled with opportunities.

Steps to Getting an Iowa Insurance License

The job market for insurance sales agents in the US is projected to grow faster than average over the next decade. There’s never been a better time to start or expand your insurance career. Here are the basic steps to getting licensed in Iowa:

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Step 1: Enroll in a pre-licensing course to help you prepare for your exam.

The Iowa Insurance Division doesn’t require you to complete pre-licensing education before you take your insurance exam. But imagine taking the exam and running into terms like “indemnity” or “loss payable clause.”

Unless you’ve worked in the insurance industry, odds are you won’t be familiar with terms like these—or with the many tricky insurance concepts you’re bound to encounter on the exam. Even if you have prior insurance experience, the real world and the test world aren’t the same.

The best way to ensure you’re fully prepared come exam day is to enroll in a comprehensive pre-licensing course.

Step 2: Register for your exam.

Pearson VUE is the company that administers insurance licensing exams in Iowa. You should register for your exam at least 7 days in advance. If you need to change your exam date, you will need to give 48 hours notice to prevent from losing your testing fee.

You can also take a proctored exam online through OnVue. “Proctored” means you are monitored via webcam while taking your exam (from a location other than a Pearson VUE test center). Online exams are a convenient alternative to taking the exam in person, especially in the age of COVID-19.

Step 3: Pass your exam and apply for your license.

After you pass your exam, you’ll need to apply for your license through NIPR.

Once you’ve received a copy of your license you can be appointed by an insurer, or qualified employer, to sell and/or discuss their insurance products (either as a captive agent or as an independent agent).

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Preparing for the Iowa Life and Health Insurance Exam

Life and health insurance are some of the most common insurance products sold in the US.

  • Life insurance is a contract between a policyholder and an insurance company. It is designed to pay out a death benefit to a policyholder’s named beneficiaries when the policyholder dies.
  • Health insurance covers medical expenses for illnesses, injuries, hospitalization, and health conditions. Coverage can vary dramatically from one policy to the next. Some health insurance plans offer comprehensive coverage with few or no out-of-pocket costs. Others have limited coverage with high deductibles, copays, and coinsurance rates, or provide “catastrophic” coverage only.

In Iowa you must be licensed to sell or even discuss life or health insurance. Licensed Life, Accident & Health agents can typically sell:

  • Term-life insurance
  • Whole-life insurance
  • Disability insurance
  • Annuities
  • Long-term care
  • Medicare

The Life, Accident & Health insurance licensing exam covers many topics, including life and health insurance basics, group health insurance, disability insurance, insurance laws and regulations, and federal tax considerations for health insurance.

You can expect to see around 100-150 multiple choice questions on the exam, depending on the line of authority. Each exam contains both a “national” and a “state rules” section. You must score 70% or higher on both parts to pass.

Property and Casualty Insurance Exam Prep Iowa

  • Property insurance protects against most risks to property, including fire, theft, and some types of weather damage (flood insurance is often sold separately in standalone policies).
  • Casualty insurance provides liability protection for accidents that cause injuries to another person or damage to their belongings.

In Iowa you must be licensed to sell or even discuss property or casualty insurance. Licensed Property and Casualty (P&C) agents can typically sell:

  • Auto insurance
  • Homeowners/renters/dwelling insurance
  • Commercial property/general liability/auto insurance
  • Workers’ compensation insurance
  • Umbrella insurance

Depending on the line of authority (Property only, Casualty only, or Property & Casualty), you can expect to see anywhere from 100-150 questions on the exam.

The Property insurance exam is generally easier than the Casualty insurance exam, since property insurance deals with issues that are easy to understand, like fire, floods, earthquakes, etc. Casualty insurance deals with more conceptually challenging topics, like protection against lawsuits.

All exams consist of two parts—a “national” section and a “state rules” section. You need a score of 70% on each section—the two scores are not averaged together.

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Why America’s Professor Insurance Pre Licensing Courses Work

Our affordable online classes are taught by award-winning professor, Dr. Jack Morton. His approachable teaching style keeps you engaged, and he makes the material easy to understand with real-world examples and scenarios.

Our easy-to-follow video lectures are available entirely online, which means you can study on your own time and at your own pace.

Each AP course includes:

  • Video lessons – Our comprehensive online insurance courses are available 24/7 on any device. Our streaming videos simulate live lectures but let you study at the pace that’s right for you.
  • Hard copy textbook – You’ll receive a comprehensive textbook by mail, which works in conjunction with the lecture videos.
  • 45-day online access – Most students find that 45 days is plenty of time to prepare. But if you need more time, simply call us and we will extend your access at no charge until you pass your exam.
  • Sample questions and practice exams – Practice tests reinforce the information in the video lectures and help you gauge how well you understand the material. If you score low on a practice exam, you’ll know where you need to keep studying.
  • Customer support – Our first-rate customer support team is here to answer all your questions and make sure you have everything you need—right up until the day of your exam.

A pre-licensing course will arm you with the knowledge you need to pass your Iowa insurance licensing exam on the first try.

Enroll in a course today and be on your way to launching or expanding your career in the lucrative insurance industry!

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