Getting an insurance license is the first step to becoming an insurance agent, broker or adjuster. The process differs slightly between these types of jobs, but the end goal is the same – to get started selling insurance to consumers. To be licensed, you’ll need to take an exam. This is usually proctored by an outside company and takes place in a controlled environment, often with someone watching you. This can be very intimidating for people who have never taken an exam before. However, it’s very important to tame your nerves and prepare thoroughly for the insurance license exam.

The types of insurance you can sell vary by state, but the most common licenses are a property and casualty (P&C) license for agents who focus on providing coverage for businesses and their vehicles, and a life, accident, and health (LA&H) license for agents who focus on covering individuals and families. Each license comes with its own specific requirements and restrictions, including a background check, fingerprinting, licensing fees and minimum education and experience levels.

The Path to Success: Navigating Insurance License Courses

You can also get a license by waiving the exam, but this is rarely done. Typically, you’ll need to have been regularly employed by an insurance agent, broker or carrier for a minimum of one year performing responsible insurance duties. Or, you may qualify if you’ve served at least one year of active duty in the Armed Forces. In addition to licensure, you’ll need to meet the Continuing Education (CE) requirements for your state or territory.