4.97 out of 5 (2176 Ratings)


How to Pass the Utah Insurance Licensing Exam

Please note: Effective January 1st, 2020 Utah’s insurance license exam provider will be changing to Prometric.

woman studying for insurance license exam on laptop

Congratulations on your decision to get your insurance license in Utah! The insurance industry is one of most lucrative and enduring industries in the country. As an insurance producer you’ll likely have a secure career for years to come.

If you’re getting licensed for the first time you probably have plenty of questions about how to prepare for your licensing exam, what questions will be on the test, where to take the exam, and more.

America’s Professor has been helping students prepare for their insurance licensing exams for more than 30 years. We’ve compiled a list of common questions and answers about how to pass your insurance exam below. If you have additional questions, don’t hesitate to call us—we’re here to help.

Is there a pre-licensing course requirement in Utah?

The Utah Insurance Department does not require you to take a pre-licensing course prior to taking your insurance licensing exam, but you will greatly improve your chances of passing on the first try by taking an exam prep course. Here is a link to their list to start from.

A qualified insurance exam prep provider, like America’s Professor, will explain complicated insurance concepts and terminology in detail and make sure you’re armed with all the information you need to pass.

What kinds of questions do they put on the Utah insurance test?

All the questions on the Utah insurance exam are multiple choice. That means you won’t encounter any fill-in questions or need to prepare yourself for any long-winded answers. Still, you should expect the questions to be challenging.

The questions are pulled from a large pool—that means no two students will have the same exact questions on their exam. Our students report that the tests are usually heavy on terminology and numbers (e.g. dollar amounts, time periods, etc.). You can expect around a third of the questions to focus on terminology, a third on number/day questions, and a third on situational questions, where you reason through a situation.

Here’s an example of the kinds of questions you might see:

If a policy is determined to be a Modified Endowment Contract (MEC), funds received under the policy will be:

  1. Subject to a 20% surrender charge.
  2. Tax deferred until retirement.
  3. Principal, so there is no tax liability.
  4. Considered taxable income first.

Not all questions will be this challenging, but many will be. You simply cannot know the answers to the exam questions without studying. Taking an insurance exam prep course can mean the difference between passing and failing.

Review the Utah test content outlines here: https://candidate.psiexams.com/bulletin/display_bulletin.jsp?ro=yes&actionname=83&bulletinid=708&bulletinurl=.pdf

What score do I need to pass the Utah insurance exam?

There are two parts to each insurance licensing exam: a national section and a state-specific section. You’ll need a passing score of 70% on both parts—scores for the two parts are not averaged together.

Combined line exams (e.g. Life & Accident & Health, Property & Casualty, etc.) have 100 questions, and you’ll have 150 minutes to complete them (see chart below).

Are questions grouped by category?

Questions are randomly mixed—they’re not grouped by category. Our students have never reported this to be a problem.

What insurance exams are given in Utah and what do they cost?




17-01Life80120 MIN


17-02Accident/Health80120 MIN


17-03Life and Accident/Health100150 MIN


17-04Property & Casualty100150 MIN


17-13Title Marketing Representative5060 MIN


17-14Title Search100120 MIN


17-16Title Escrow100120 MIN


17-20Personal Lines80120 MIN


17-21Surplus Lines6060 MIN


17-22Property80120 MIN


17-23Casualty80120 MIN


17-24Life80120 MIN


17-25Accident/Health80120 MIN


17-09Life and Accident/Health100150 MIN


17-10Property & Casualty100150 MIN


17-11Property & Casualty100150 MIN


17-12Accident/Health100120 MIN


17-26Crop6060 MIN


17-27Worker’s Compensation6060 MIN


17-19Utah Laws and Regulations5060 MIN


NOTE: Effective January 1st, 2020 the exams offered by Prometric will be:

How many questions are on the Utah insurance exam?

The number of questions varies by exam. Please refer to the PSI chart above.

Effective January 1st, 2020 please see the Prometric Test Content outline for your specific exam. Most combo exams (PC, LAH) have 150 questions with a 2.5 hour time limit while single-line exams (e.g., Life only or Health only) have 100 questions with a 2 hour time limit.

How do I sign up to take the Utah insurance exam?

Utah insurance licensing exams are administered through a company called PSI Exams (Note: Effective January 1st, 2020 the Prometric will be the Utah Test Provider). Starting January 1st, 2020 you will need to schedule your exam on the Prometric website.

Where can I take the Utah insurance exam?

Effective January 1st, 2020 You may take your exam at any Prometric test center in the United States. Fingerprinting must be completed at a Prometric test center in Utah. The chart below lists the current Utah test center locations (Salt Lake City, Lindon, Taylorsville, St. George). Test center locations are subject to change. Be sure to verify the address of and directions to your destination before you leave for your exam. To check for locations closest to you (even out of state) see here or call 800.853.5448.

How much is the Utah insurance license fee?

The fee for Producer, Adjuster, and Consultant licenses is $75. The fee for limited lines licenses (e.g. Crop) is $50. The fee for adding a line of authority is $25.

How do I sign up for fingerprinting/background check and what is the fee?

Fingerprints are required for people becoming licensed for the first time; additional fingerprints are not required for those who are adding a line of authority to an existing license.

Fingerprinting must be done at a PSI test center. The company uses “live scan” technology and will send your digital fingerprints electronically to the Utah Department of Public Safety, the Bureau of Criminal Identification, and the Federal Bureau of Investigation. Having your fingerprints taken will automatically initiate a background check.

You must schedule your fingerprinting appointment with PSI Exams. You can do so online ahead of your test date.

You cannot have your fingerprints taken until you apply for your license, so we recommend you apply while you’re at the PSI Exams center (there should be a license application kiosk at the testing center). This way you can have your fingerprints taken on the spot; otherwise you’ll have to return to the testing center to have them taken. The total fee for fingerprinting is $52.

Effective January 1st, 2020 (From the Prometric website):

The Department requires all individuals applying for a resident insurance license to be fingerprinted. Fingerprinting must be done at a Prometric test center, using “live scan” technology, which digitally captures and transmits the fingerprints to the Utah Department of Public Safety, Bureau of Criminal Identification (BCI), and the Federal Bureau of Investigation (FBI). Fingerprinting is not required for resident licensees adding a line of authority to an existing license; only for initial licensees.

If the license type you are applying for requires an examination (Resident Consultant, Resident Producer, Resident Surplus Lines Producer, Resident Independent Adjuster, Resident Public Adjuster), the process is as follows:

  1. Immediately after passing the exam, use the kiosk at the test center to complete your license application online via Sircon or NIPR. The license application will include an FBI/BCI fingerprint fee ($13.25 FBI/$15.00 BCI) that must be paid by credit card during the online license application process. Print out your Sircon or NIPR confirmation page that you will need for showing to the test center supervisor as proof you have paid the FBI/BCI fees in order to be fingerprinted.
  2. Pay the separate Prometric fingerprint processing fee ($6.00) by clicking here or by calling 888.226.8740. (We recommend you do not pay Prometric’s $6.00 fingerprint processing fee until after you have passed your licensing exam, as you will not be fingerprinted if you do not pass your exam, and all fees are non-refundable.)
  3. Show the test center supervisor your passing score report and your payment confirmation and your fingerprints will then be scanned.
  4. Fingerprint results will be returned to the Department. The Department will evaluate the results and the license application prior to issuing any license.

If the license type you are applying for does not require an Utah examination (Resident Limited Lines Producer, Bail Bond, Managing General Agent, Reinsurance Intermediary, Third Party Administrator, Navigator), the process is as follows:

  1. Schedule a fingerprint appointment and pay Prometric’s $6 fingerprint processing fee online by clicking here or by calling 888.226.8740 before arriving at the test center for fingerprinting. Test centers are not able to accept this processing fee at the test site.
  2. Apply for the license online from your home or office at www.sircon.com/utah or www.nipr.com before arriving at the test center for fingerprinting. You can also apply online using a kiosk at the test center if you arrive a few minutes before your fingerprinting appointment. Payment for both the license application fee and the FBI/BCI fingerprint fee ($13.25 FBI/$15.00 BCI) must be made by credit card during the online license application process.
  3. Upon completing the online application, print out the Sircon confirmation page as proof you have paid the FBI/BCI fees. Show the test center supervisor your payment confirmation to have your fingerprints scanned.
  4. Fingerprint results will be returned to the Department. The Department will evaluate the results and the license application prior to issuing any license.

Which Utah insurance test is the toughest?

Each test is challenging in its own way. Between the Property exam and Casualty exam, the Property exam is usually easier, since it deals with less complicated issues, like fires and floods.
Between the Life exam and the Accident & Health exam, the Life exam is easier, since Life insurance is more straightforward and less complicated than Health and Accident insurance.

The best way to ensure you pass on the first try is to be well prepared. A pre-licensing prep course can help.

Will I have adequate time to complete the Utah insurance test?

You will have between 1 and 2.5 hours to complete the exam, depending on which exam you’re taking. Our students have never reported not being able to finish in the allotted time.

Is the Utah insurance exam still given by the “paper and pencil” method?

No, you will take the test on a computer. Your exam will be scored right after you finish. You will know your score on the spot, but you will not receive a copy of your exam showing which specific answers you got wrong, even if you don’t pass.

What is the best test prep method for the Utah insurance exam?

There is no substitute for knowing the material. The best way to prepare is by taking an insurance pre-licensing course with a reputable insurance test prep provider like America’s Professor.

We have more than 30 years of experience teaching students just like you. Our courses combine “better-than-live” online lectures with a comprehensive textbook and practice tests to arm you with all the information you’ll need to pass on the first try.

What if I fail the Utah insurance exam?

Effective January 1st, 2020 Prometric’s registration system takes 24-48 hours to update properly with regard to the results of an exam. Until this update finishes, the system will not allow re-registration of that exam from any source. Be sure to wait at least 24 hours from the end of your exam before you attempt to register and schedule again. If you still cannot register after 48 hours have passed from the end of the exam you should contact Prometric Candidate Care at (800) 813-6737.

If you didn’t take a pre-licensing course with America’s Professor or another company before taking the exam, we strongly recommend that you enroll in an exam prep course before retaking the exam. This will help you get well prepared for your second go-around. View our Utah courses here.

Helpful links

General insurance license exam information (video)

Notify of
Most Voted
Newest Oldest
Inline Feedbacks
View all comments

[…] Pass your exam and apply for your license. Once you’ve passed your exam, you’ll need to get fingerprinted at the PSI exam center and apply for your Utah license. For more information about testing centers, getting fingerprinted, and associated fees, click here. […]

Sarah Brown
Sarah Brown
7 months ago

which test do I need to take for the bailbonds licensure?

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