Colorado Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Colorado. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Colorado Division of Insurance website at Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Colorado Division of Insurance

Department of Regulatory Agencies -  Producers Licensing
1560 Broadway, Suite 850
Denver, CO 80202
Phone: 303-894-7499
Fax: 303-894-7455


Prelicensing Education Hour Requirements

  • Life - 50 Hours
  • Health - 50 Hours
  • Property - 50 Hours
  • Casualty - 50 Hours
  • Property & Casualty - 50 Hours
  • Personal Lines - 50 Hours

Included as part of the above major lines of authority requirements, all applicants must successfully complete ten (10) hours of training in the following areas:

  • Principles of Insurance - 3 Hours
  • Legal Concepts and Regulations - 4 Hours
  • Ethics - 3 Hours

Note: If applying for multiple lines of authority the Principles of Insurance, Legal Concepts and Regulations, and Ethics training need to be taken only once.


Exam Provider: Pearson VUE


Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Live Class Requirements

Pre-Class Study (must be completed prior to attending the live class):
  • Life & Health - 37 hours Life, 37 hours Health, plus 10 hours of Principles of Insurance, Legal Concepts, and Reg and Ethics*
  • Life Only - 32 hours Life, plus 10 hours of Principles of Insurance, Legal Concepts, and Reg and Ethics*
  • Health Only - 32 Hours Health, plus 10 hours of Principles of Insurance, Legal Concepts, and Reg and Ethics*
  • Property & Casualty - 12 hours of Property, 12 hours of Casualty, plus 10 hours of Principles of Insurance, Legal Concepts, and Reg and Ethics*

*If the student is already licensed in one line of authority, the 10 hours of Principles, Reg and Ethics are waived for the 2nd line.


In-Class Exam: In Colorado, an in-class graded exam is given to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.


Online Course Requirements

  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
  • Proctor: In order for a certificate of completion to be earned and issued, the certification exam for self-study courses must be monitored by a disinterested third party (someone other than a relative, friend, or business associate).

Certificate of Completion Requirements

  • To receive a certificate of completion candidates must pass a final, closed book, exam (minimum score of 70% required). Self-study course exams must be monitored by a disinterested third party. Classroom course exams must be monitored by a qualified instructor.
  • Prelicensing providers are required to submit prelicensing completion information electronically to Pearson VUE/Colorado Division of Insurance within 10 days of completion.
  • Candidates must provide evidence of successful completion of prelicensing training at the time of the examination.
  • Prelicensing certificates of completion are valid for one year from the date of completion. If you attempt to take the exam after one year, you will not be licensed until you complete a prelicensing class. You must apply for a license within one year or you will be required to re-take the prelicensing class.

Exam and/or Prelicensing Education Exemptions

Individuals holding one or more of the following current and valid designations or certifications are exempt from prelicensing education requirements for the respective line of insurance authority:
  • Life - CEBS, ChFC®, CIC, CFP®, CLU®, FLMI, LUTCF
  • Accident & Health or Sickness - RHU, CEBS, REBC, HIA
  • Property and Casualty - AAI, ARM, CIC, CPCU®

Note: An individual holding a four year degree from an accredited institution of higher learning with major course work in insurance is also exempt from prelicensing education.


Adjuster License

This is disclosure for states that do not require an adjuster license:

The Texas Designated Home State (DHS) Adjuster license is available to an individual who is a resident of a state that does not license adjusters. This means you can obtain the Texas Property/Casualty Adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. The Texas DHS Adjuster license is highly respected in the industry and can significantly enhance your credibility as an adjuster in your home state.

Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas P/C Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that accept the Texas DHS Adjuster license, including AL, CT, DE, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, OK, RI, UT, VT, WA, WV, and WY.

Additionally, earning the Texas DHS Adjuster license enables you to adjust with enhanced credibility and industry expertise in CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, PA, NJ, OH, SD, TN, VA, and WI.

Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.

Attention Colorado Students:


Kaplan Financial Education is approved and regulated by the Colorado Department of Higher Education, Private Occupational School Board (DPOS). View the Colorado College Bulletin.



This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Colorado.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Colorado.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Colorado.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Colorado.