Getting A Connecticut Health And Life Insurance License

If you're looking to get your health and life insurance license in Connecticut, there are a few steps you need to follow. First, you'll need to complete a pre-licensing course, which will provide you with the foundational knowledge to prepare for your state licensing exam. After that, you'll need to pass the state licensing exam, which covers general insurance product knowledge as well as Connecticut-specific insurance laws and regulations. Once you've passed the exam, you can apply for your license by submitting an application and paying the associated fees. It's important to note that there are specific requirements and steps for obtaining a license in Connecticut, so be sure to review the process thoroughly before beginning your journey towards becoming a licensed insurance agent.

Pre-licensing education requirements

To obtain a Connecticut health and life insurance license, you must complete a prelicensing course. The Connecticut Insurance Department requires 40 hours of pre-licensing education for life insurance. This includes anyone seeking a Life, Accident & Health license. If you are focusing on a single line of insurance, such as Accident & Health, you will need 20 hours of pre-licensing education.

These courses are designed to provide foundational knowledge for your chosen line of insurance and prepare you for the state licensing exam. They are available in classroom, self-study, or online formats to accommodate different learning styles and schedules. When choosing a course, consider its flexibility, price, and the provider's reputation.

Kaplan and A.D. Banker are two providers that offer prelicensing courses. These courses will prepare you to pass the state exam on your first attempt. They offer online courses that can be supplemented with webinars, flashcards, study manuals, and other learning tools. After completing your course content, you will need to pass a Certification Exam to demonstrate completion of the prelicensing requirement.

Connecticut licensing exam

The Connecticut Insurance Department requires anyone selling insurance in the state to hold an insurance license. The first step to getting your insurance producer license is to complete a prelicensing course. The Connecticut Insurance Licensing Exam is administered by Pearson VUE. The exam will be 2–2.5 hours long with 85–145 questions, depending on the type of insurance you are testing for. You will need to score 70% or higher to pass.

The exam will cover both a general section with basic insurance product knowledge and a state section with specific insurance laws, rules, regulations, and practices that are unique to Connecticut. The general knowledge section will test your knowledge of product knowledge, industry terminology, and federal insurance laws. The state-specific section will cover Connecticut insurance laws, rules, and regulations, state requirements for licensing, and federal insurance laws.

You can take the exam in person at a Pearson VUE testing site or remotely. Remote exams require a computer or laptop that is compatible with OnVUE, Pearson VUE's remote testing platform. If you do not have a compatible computer, you must schedule an in-person exam.

Every insurance licensing exam is accompanied by an exam fee that must be paid by credit or debit card, voucher, or electronic check. This fee must be paid at the time of reservation and will not be accepted at a testing center. You can schedule your state exam through Pearson VUE or by calling (866) 407-2057.

Before scheduling your licensing exam, test the compatibility of your computer, webcam, and microphone. OnVUE requires the newest versions of Microsoft Edge, Safari, Google Chrome, or Firefox. Exams must be scheduled at least 24 hours in advance, and you are allowed to cancel or reschedule your exam up to 48 hours before your reservation time by calling Pearson VUE.

Login to the testing platform 30 minutes before your exam reservation time. A state or government ID is required to verify your identity. For remote exams, a military ID or certain secure access IDs are not accepted as a valid form of identification. Check with Pearson VUE if you are unsure if your ID will be accepted for remote proctoring.

Your remote test requires you to be alone in a private room for the duration of the exam. The surface you have your computer on must be clear of all objects. You cannot have a phone, headphones, or a wristwatch on you while you are taking the exam. Food, chewing gum, and tobacco products are also prohibited. You are permitted to have a beverage.

All exams are monitored by a third party to ensure all testing requirements are followed. The monitors are able to answer questions that do not pertain to the content of the exam via live chat. If technical issues occur while you are taking the exam, the proctor is there to resolve the issues in real time. If the proctor cannot resolve the issue, they will file a case on your behalf. Your exam will be rescheduled, and Pearson VUE will provide either a reimbursement or a voucher for a new exam appointment.

If you fail your licensing exam, you can log into your Pearson VUE account to obtain your diagnostic report, indicating your strengths and weaknesses on the exam. You can also send a copy of this score report to [email protected] for personalized feedback. You are able to reschedule a new exam after 24 hours. If you would like more detailed information, or if you have any questions about the exam process, please visit Pearson VUE's website.

Connecticut Life Insurance Licensing Exam

The Connecticut life insurance exam outline contains a total of 75 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic life insurance product knowledge. The state-specific section covers insurance concepts and terms, rules, regulations, and practices specific to Connecticut. You’ll have 120 minutes to complete the exam. The Connecticut life insurance exam fee is $65, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

If you happen to fail the Connecticut life insurance exam, you must wait 24 hours before making a reservation to retake the test.

Application process

The application process for a Connecticut health and life insurance license involves several steps, each with its own set of requirements and procedures. Here is a detailed breakdown of the application process:

• Complete a Pre-Licensing Course: Before applying for the license, you must complete a pre-licensing course specific to the type of insurance license you are seeking. This course will provide you with the necessary knowledge to pass the licensing exam. The Connecticut Insurance Department requires 40 hours of pre-licensing education for a life insurance license and 20 hours for a health insurance license. You can choose from various course formats, including classroom, self-study, or online options, to suit your learning style and schedule.
• Pass the Licensing Exam: After completing the pre-licensing course, you must pass the relevant Connecticut insurance licensing exam. The exam is administered by Pearson VUE and covers both general insurance product knowledge and state-specific insurance laws, regulations, and practices. The exam consists of 75-145 scored questions, and you will have 2 to 2.5 hours to complete it, depending on the type of license. A passing score is 70% for most exams, except for the Bail Bonds exam, which requires an 80% score.
• Submit Your License Application: Once you have passed the licensing exam, you can proceed to submit your license application. Visit the National Insurance Producer Registry (NIPR) website at www.nipr.com and select the "Apply for a License" option. In addition to passing the exam, you must meet certain criteria, including being at least 18 years old and financially responsible with good moral character. The application fee varies depending on the type of insurance license, with an individual Producer's license costing $140, for example. Any misdemeanors or felonies may impact your application, so it is important to contact the Connecticut Department of Insurance for guidance if you have any concerns.
• Application Review: After submitting your application, the Connecticut Insurance Department (CID) will review it. This process typically takes around three to ten business days. Once the review is complete, they will notify you of their decision or request additional information. If your application is approved, you will receive your license, and you can then begin working as a licensed insurance agent in Connecticut.

It is important to note that maintaining your license requires ongoing education and renewal. You will need to complete 24 hours of continuing education every two years, including a minimum of three credit hours focused on Connecticut insurance law, regulations, or ethics. Additionally, the license must be renewed every two years, with a standard renewal fee of $160. Late renewals will incur an additional $160 fee.

Continuing education

Once you have passed your exams and your licensing application has been approved, you officially become a licensed insurance agent in Connecticut. However, to keep your insurance license active, you will need to complete continuing education (CE) requirements.

Connecticut Major Lines Licensed Agents must take 24 Credit Hours of Approved Connecticut Insurance Continuing Education courses every two years, prior to their Expiration Date. At least three of the 24 credit hours must be approved for Ethics Training. Major Lines include Life, Accident, and Health.

Producers licensed in multiple lines are only required to meet the same requirements as agents with single lines of licensing. Connecticut CE Requirements are "License Type Specific". Agents must take courses in subject matters related to their License Type, which must be approved by the Connecticut Insurance Administration.

There are additional requirements if you wish to sell long-term care insurance policies or annuity products. For example, a producer who sells, solicits, or negotiates an Annuity Product must complete a one-time, four-hour Annuity Suitability course before selling.

Life Settlement Brokers are required to complete 15 total hours of continuing education courses every two years.

Nonresident license holders are currently required to adhere to their home state's continuing education requirements.

License renewal

To keep your insurance license active, you will need to renew it every two years. The standard renewal fee is $160. If you miss the deadline, an additional fee of $160 will be charged, bringing the total to $320 for late renewals.

You will also be required to complete 24 hours of continuing education (CE) every two years. These hours must include at least three credit hours related to Connecticut insurance law, regulations, or ethics.

You are limited to earning eight hours of continuing education per day, regardless of the number of courses you attend.

The renewal process can be started 90 days before the expiration date and ends on the expiration date. Late renewals can be submitted through NIPR's Resident License Renewal (RLR) Application.

The renewal application will be reviewed and processed by the Connecticut Insurance Department. Most applications will be processed within 7-10 business days. The applicant will receive an email notification from Connecticut once the license has been approved.

Frequently asked questions