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Kaplan University School of Professional and Continuing Education Kaplan University School of Professional and Continuing Education

Colorado Insurance License State Requirements

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

Website: http://www.dora.state.co.us/insurance
E-mail: insurance@dora.state.co.us

Exam Provider: Pearson VUE

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.

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.

This information pertains to resident license applicants. For additional information for resident licensing, or for nonresident license information, please refer to the Colorado Division of Insurance website at http://www.dora.state.co.us/insurance.

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.