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Life & Health

Life & Health License: What You Need to Know

 

All 50 states require you to be licensed in order to sell life and/or health (disability, accident, sickness) insurance policies. This requirement often extends to administrative staff as well, such as Customer Service Representatives (CSR), who discuss, make changes to, or otherwise manage life and health insurance policies.

 

What Is Life and Health Insurance?

 

Life and health insurance protects the finances of an individual and/or their family in the event of the death of the policy holder (life insurance) or a medical issue that requires professional treatment (health insurance).

 

What Kinds of Policies Can Life and Health Insurance Agents Sell?

 

  • Term-life insurance
  • Whole-life insurance
  • Disability insurance
  • Annuities
  • Long Term Care
  • Medicare
  • And more!

 

Who Needs to Carry a Life and Health Insurance License?

 

To sell life and health insurance, an agent must have an appropriate license issued by the state where they practice. Though life insurance and health insurance licenses are often issued separately, many states offer a life and health license that covers both areas.

 

Sales agents must have a life and health insurance license if the scope of their duties encompasses these types of policies. In addition, appraisers and trainers employed at insurance company are sometimes required to carry one of these licenses.

 

Requirements for a Life and Health Insurance License

 

To obtain your license, you must pass a life and health insurance license exam. The exam covers topics such as the following:

 

  • Insurance regulation
  • Life insurance basics
  • Health insurance basics
  • Disability insurance
  • Group health insurance
  • Federal tax considerations for health insurance
  • and more…

 

Specific requirements vary by state, but you can expect somewhere in the range of 100-150 multiple choice questions and a required passing score of 70% or greater. Insurance license tests are usually given at a public testing center.

 

Most states require licensed agents to be fingerprinted and to undergo a background check. There is usually an on-site fingerprinting technician at the testing center where you take your exam.

 

couple registering for insurance

 

What Do You Have to Do to Maintain a Valid License?

 

All states require licensed insurance agents to undergo periodic continuing education (CE) to refresh their insurance knowledge and learn about new laws impacting the insurance industry. CE requirements vary by state.

 

How Often Do I Have to Renew It?

 

Again, it depends on the particular state where you are registered, but in general you will be expected to renew your license every two years or so.

 

How Do I Study for the Exam?

 

The pre-licensing courses offered by America’s Professor will prepare you to pass your life and health insurance exam the first time. Our comprehensive courses include:

 

  • Detailed video lectures, accessible online 24/7
  • A free, comprehensive textbook to solidify your learning
  • Plenty of sample questions and practice quizzes, similar to the questions you’ll encounter on the exam
  • 45-day subscription with free extension at no charge, if needed

 

Your first step toward becoming a licensed life & health insurance agent/producer starts today at America’s Professor!

 

 

 

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