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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 http://www.dora.state.co.us/insurance. 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
Website: http://www.dora.state.co.us/insurance
Email: insurance@dora.state.co.us

How to Get Your Colorado Insurance License


1. Complete an Insurance Prelicensing Course

Colorado requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

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 a total of 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 user 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).

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 Requirements

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.

If you continue, please be aware that you will be taking Kaplan's online Texas Property/Casualty Adjuster course. 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.

 

2. Pass Your Colorado Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Colorado licensing exams, so you will be prepared to pass the first time. 

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 Provider: Pearson VUE

Frequently Asked Questions About the Colorado Licensing Exam

After completing my prelicensing, how should I prepare for exam day? 

  • Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration. The time allotted for the examination varies, and each candidate will leave the test center with an official score report in hand.
  • Candidates must being their prelicensing Certificate of Completion to the Test Center, in addition to two forms of ID.  
  • Candidates must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government-issued and photo-bearing with a signature, and the secondary identification must contain a valid signature. 
  • Identification must be in English.  
  • Primary ID: 
    • U.S. Department of State driver’s license 
    • U.S. learner’s permit (plastic card only with photo and signature) 
    • National/State/Country ID card 
    • Passport 
    • Passport Card 
    • Military ID 
    • Military ID for spouses and dependents 
    • Alien Registration Card (Green Card with visible signature, Permanent Resident Visa) 
  • Secondary ID (signature, not expired) 
    • U.S. Social Security card 
    • Debit (ATM) or Credit card 
    • Any form of ID on the Primary ID list
  • Forms of ID must be current; grace periods are not recognized. 

What is the exam like? 

Testing sessions are recorded. No personal items are allowed in the testing room. Personal items include but are not limited to cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/ or notes, pens, or pencils.

Question formats include: 

  • Multiple choice
  • Multiple select
  • Fill-in-the-blank
  • Drop-down
  • Hot spot
  • Hot area
  • Drag-and-drop

The examination may contain Pretest questions. These are questions for which the exam provider collects statistical data for use in future examinations. Pretest questions are not identified and do not affect your score. 

How is the exam scored?

There are multiple versions of each of the licensing examinations. These versions are known as forms. Although all forms of an examination are developed based on the content outlines, the difficulty of the forms of an examination may vary slightly because different questions appear on each form. To ensure that no candidate is put at an unfair advantage or disadvantage due to the particular form of an examination that he or she is given, a statistical procedure known as equating is used to correct for differences in form difficulty. 

For example, in an examination with two (2) forms, Form A and Form B, the state licensing agency determines that answering 30 questions correctly on Form A demonstrates the minimum amount of knowledge necessary to be licensed. It is further determined through the equating process that Form B contains slightly more difficult questions than Form A; therefore, answering 30 questions correctly on Form A would indicate the same level of knowledge as answering only 28 questions correctly on Form B. Under this set of circumstances, a score of 30 questions correct would be used as the passing score on Form A whereas a score of 28 questions correct would be used as the passing score on Form B. 

A second statistical procedure known as scaling is used to derive the numerical score to report for each candidate. Scaling is used to place a raw score on a common reporting scale on which each scaled score represents a given level of knowledge regardless of the difficulty of the form on which the raw score was achieved. To illustrate how scaling works, suppose that in the examination example used above, the state licensing agency decides to use a score of 500 as the passing score for reporting purposes. (Note that the score selected to be used as the reported passing score is not related to, and has no bearing on, the difficulty of the examination.) 

Based on the information provided above, a raw score of 30 on Form A would translate to a scaled score of 500; a raw score of 28 on Form B would also translate to a scaled score of 500 since a raw score of 30 on Form A represents the same level of knowledge as a raw score of 28 on Form B. 

The passing score of an examination was set by the Division (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. To avoid misuse of score information, numeric scores are only reported to failing candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. Any score below passing score indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.

What are the next steps for someone who fails? 

Reschedule the exam. Note: Reservations cannot be made at the test center, and you must wait 24 hours before making another one.

How long is the exam? 

Exam CodeLine of AuthorityExam TimeTotal Questions
InsCO_Life01CO Life Producer2 Hours80 Questions
InsCO_Health02CO Accident and Health Producer2 Hours
80 Questions
InsCO_Prop03CO Property Producer2 Hours75 Questions
InsCO_Cas04CO Casualty Producer2 Hours81 Questions
InsCO_Pers55CO Personal Lines Producer2.25 Hours104 Questions
InsCO_Cred30CO Credit.75 Hours30 Questions
InsCO_PubAdj14CO Public Adjuster1.25 Hours60 Questions
InsCO_Surp82CO Surplus Lines .75 Hours35 Questions
InsCO_Title83CO Title1.25 Hours75 Questions
InsCO_Crop31CO Crop.75 Hours35 Questions

 

3. Apply for Colorado Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

You must complete an online application at www.sircon.com/colorado or www.nipr.com. Upon completing the online application, you will be asked a series of screening questions and will be required to submit supporting documentation for any Yes answers, as indicated in the question. Supporting documentation may be submitted by uploading to www.sircon.com/colorado or www.nipr.com.

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

4. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew a Colorado insurance license by clicking here.


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.

Notice

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 and Start Earning Your License Today:

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.

 

Adjuster

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