Get A Life Insurance License: Pa Requirements Guide

Getting a life insurance license in Pennsylvania involves a few key steps. First, you need to complete a pre-licensing education course, which covers various insurance types and must include a minimum of 24 credit hours. After finishing the course, you'll receive a certificate of completion, which is required to sit for the state exam. The next step is to register and pay for the official licensing exam, which is administered by PSI. Once you've passed the exam, you can submit your fingerprints and fill out the license application, which can be done online or at the testing center. The final step is to pay the license application fee, after which you can print your license and start your career as a life insurance agent in Pennsylvania.

Pre-licensing education requirements

To get a life insurance license in Pennsylvania, you must complete pre-licensing education requirements. This education will help you prepare for the licensing exam and your future career. The requirement is for 24 hours of pre-licensing education courses, with a minimum of 3 hours dedicated to ethics. The courses you need to take will depend on the type of insurance license you want to earn. For example, if you want to earn a life insurance license, you should take a course that covers life insurance basics, insurance regulations, disability insurance, group health insurance, and tax considerations for health insurance. Other types of insurance covered in the pre-licensing education courses include accident and health, casualty and allied lines, motor vehicle physical damage appraiser, personal lines, and title.

You can find pre-licensing education courses through approved education providers such as Kaplan Financial Education and eInsuranceTraining. These courses are designed to prepare you for the Pennsylvania life insurance examination and cover everything in the Pennsylvania Insurance Department Candidate Information Bulletin. The courses are typically broken down into easily understandable lessons. After completing the course, you will receive a certificate of completion, which you will need to bring with you when you take your licensing exam.

You can also find pre-licensing education courses through the AB Training Center, which offers in-person and online training courses to satisfy the pre-licensing requirement for the state of Pennsylvania. They offer a 3-day in-person pre-licensing training class, a 2-day live online virtual pre-licensing class, and an online self-paced pre-licensing package.

It is important to choose a pre-licensing education course that offers flexibility, has a good reputation, and is reasonably priced. Completing the pre-licensing education requirement is the first step towards earning your life insurance license in Pennsylvania.

Register for the exam

Once you have completed your pre-licensing education, the next step is to register for the official licensing exam. This is administered by PSI, and you can register by visiting https://candidate.psiexams.com or by calling 800.733.9267. You will need to pay the exam fee at the time of reservation. Exam fees vary depending on the topic, but most are $43. Single line exams, such as Life or Accident & Health, will cost $43, while joint line exams, such as Life, Accident & Health or Property and Casualty, will cost $53.

It is recommended that you register for your exam at least 4-5 business days in advance. On the day of the exam, report to the exam centre 30 minutes before the scheduled start time. Be sure to bring your pre-licensing education certificate of completion and a form of government ID with a photo and signature, such as a driver's license, passport, military ID, or state-issued ID card. Your photograph will also be taken at the testing site.

The PSI Learning Academy has information and practice exams online to help you prepare for the exam. It is also worth noting that you can sit for more than one exam at a time, for example, if you want to apply for both a P&C and a life and health insurance license. However, this approach is not recommended as it can be confusing to study for multiple exams at once, and there is a lot to lose if you fail. Instead, it is better to study for one exam at a time, averaging between two to six weeks of study time per exam.

Pass the exam

To pass the Pennsylvania insurance license exam, you must obtain a score of at least 70%. The exam will be multiple-choice and will cost $43 for a "single line" exam, such as Life or Accident & Health, or $53 for a "joint line" exam, such as Life, Accident & Health, or Property and Casualty. The PSI Learning Academy offers information and practice exams online.

To prepare for the exam, you must complete a pre-licensing education course. This course must be at least 24 hours long and include a minimum of 3 hours of ethics. The course you choose will depend on the type of insurance license you want to earn. For example, if you want to sell auto, home, or business insurance, you will need a Property & Casualty (P&C) license. If you want to sell life insurance, you will need a Life & Fixed Annuities license.

After completing your pre-licensing education course, you can schedule your exam. PSI administers the exam, and you can register on their website or by calling (888) 818-5822. Remember to bring a copy of your Certificate of Completion and valid ID to the testing center. You will also need to have your photograph taken at the testing site.

Apply for the license

Once you have passed the exam, you can apply for your license. You can do this at the testing centre, or online using your own computer.

If you apply at the testing centre, you will also be able to get fingerprinted at the same time. You will need to pay the license application fee of $55 and a fingerprinting fee of $22.60.

If you apply online, you will still need to pay the same fees, and you will also need to register for a fingerprint scan. You can do this online via the IdentoGO website or by calling 844-321-2101. You will be given a registration number to take with you to your fingerprinting appointment.

You can fill out the official licensure application on the PA Insurance Department website, or the National Insurance Producer Registry (NIPR).

Once your application has been approved, you can print your license from the Department's website.

Get fingerprinted

After passing the exam, you have two options for getting fingerprinted: at the testing centre or at an external site.

If you opt for the testing centre, you will need to pay the license application fee of $55 and a fingerprinting fee of $22.60. You can pay this at the centre and complete your application there.

If you prefer to apply online using your own device, you will still need to get a fingerprint scan. To do this, register online via the IdentoGO website at https://uenroll.identogo.com or call 844.321.2101. You will be given a registration number to take with you when you go to the IdentoGO site for fingerprinting. The fingerprinting fee is $23.85.

The Pennsylvania Insurance Department requires fingerprints to ensure that applicants do not have a disqualifying criminal or social services background that would prevent them from becoming a licensed insurance agent. When scheduling your appointment at the IdentoGO website, use the service code 1KGBGJ to ensure the background check is processed correctly.

After completing your application, you can check its status at www.insurance.pa.gov. Once it has been issued, you can print your license directly from the website.

Frequently asked questions