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 https://www.doi.colorado.gov. 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.doi.colorado.gov
Email: dora_insurance@state.co.us
How to Get Your Colorado Insurance License
Enrollment Requirements: Kaplan is regulated by the Colorado Division of Private Occupational Schools. The DPOS requires Kaplan to capture specific student information and provide it to the agency on an annual basis. As part of your enrollment in a Colorado prelicensing course, you will be asked to provide your gender and race/ethnicity.
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
The Kaplan 50-hour courses include the required 3 hours of Principles of Insurance, 4 hours of Legal Concepts and Regulations, and 3 hours of Ethics content.
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: This state requires a disinterested 3rd party proctor be present for online certification exams. A disinterested third party is someone with no conflict of interest, financial or otherwise. An example of someone who is a disinterested third party is a librarian or test center employee. An example of someone who is not a disinterested third party is a family member (both immediate and extended; in-laws included) or a coworker who is above/below your line of supervision.
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 Licensing Requirements
The Designated Home State (DHS) adjuster license is available to individuals who are 1) residents of a state that does not license adjusters, or 2) to individuals that are company adjusters and reside in a state that only licenses independent adjusters and/or public adjusters and want to designate another state as their home state.
The states that qualify under #1 and #2 above are CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, NJ, OH, PA, SD, TN, VA, and WI.
How to get an All-Lines Adjuster Designated Home State license in Florida
Under the Designated Home State concept, many adjusters obtain the Florida 70-20 Non-Resident Designated Home State Adjuster license to become an All-Lines Adjuster in Florida. To qualify for the license, the adjuster must obtain a Florida-approved adjuster designation or pass the Florida All-Lines Adjuster state examination, and complete Florida’s biennial continuing education requirement.
Obtaining the 70-20 license allows company and independent adjusters residing in the states above to adjust claims in Florida, all states that have adjuster reciprocity with Florida, and states that accept the Florida DHS Adjuster license.
The Certified All-Lines Adjuster (CALA) designation is offered by Kaplan pursuant to the authority of Florida Statute §626.221 and with the approval of the Florida Department of Financial Services (DFS). Completion of the CALA designation course allows a prospective licensee to receive their Florida 70-20 license without taking the Florida state licensing exam.
Select the link below to see the requirements for obtaining a Florida 70-20 Designated Home State Adjuster license.
https://www.myfloridacfo.com/division/agents/licensing/agents-and-adjusters
How to get a Property-Casualty Adjuster Designated Home State license in Texas
Some adjusters elect to designate Texas as their Designated Home State and obtain the Texas Designated Home State (DHS) Adjuster license.
Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license. Therefore, the licensing candidate can satisfy their Texas adjuster prelicensing requirement and pass the Texas P/C Adjuster state licensing exam online through Kaplan without leaving their home or office. Upon completing the Kaplan course and successfully passing the course exam, the adjuster can remotely apply for their Texas P/C Adjuster license using the procedures found on the Texas State Requirements page. This will qualify them to adjust in both their home state and all states that accept the Texas DHS Adjuster license.
Completion Reporting
Kaplan will automatically report your completion of the Certified All-Lines Adjuster (CALA) designation to the Florida DFS in 5-7 business days. An online PDF Certificate of Completion is also available to download and print immediately after the final exam is passed.
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.
Exam Provider: Pearson VUE
For exam information and for scheduling, go to the Pearson VUE website: https://home.pearsonvue.com/co/insurance
Phone: 1-800-275-8247
Once you have passed your state licensing exam, you are ready to apply for an insurance license.
For Information, Rules and Requirements, an FAQ and to apply, please go to the NIPR website: https://nipr.com/licensing-center/state-requirements/colorado-non-resident-licensing-individual
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.
Notice:
Kaplan Financial Education is approved and regulated by the Colorado Department of Higher Education, Private Occupational School Board (DPOS). View 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.
Date Adopted: 7/15/2024
Date Revised: n/a
A. Purpose
This policy is in response to Colorado HB22-1049.
B. Scope
This policy applies to all current and former students.
C. Policy
- Kaplan requires prepayment of course enrollment fees at the time of enrollment, therefore, no student will be subject to a certificate hold for debts owed to Kaplan.
- Upon successful completion of your course, a certificate of completion will become available on your student dashboard/account.
- After issuance, you may access and download your certificate by logging into your Kaplan account.
- Complaints pertaining to HB22-1049 may be submitted to the Colorado Student Loan Ombudsperson via email to CSLSA@coag.gov.
All program policies are subject to the rules and/or requirements established by individual states. For more information about refund policies in specific states, please see the state policies listed below.
Colorado Division of Private Occupational Schools
Refunds will be provided within 30 days of termination date provided the following conditions are satisfied. Termination date is the date the school receives written or verbal notice of a student’s intention to terminate or cancel his/her enrollment, or the date on which the student violates the published attendance policy.
For all courses and programs, Kaplan will pay a full refund of all tuition and fees paid by a prospective student if: (1) a prospective student is not accepted by Kaplan; (2) for classroom courses and programs, within three days after initial payment a student notifies Kaplan of his or her intention to terminate the enrollment, provided that training has not started; (3) for correspondence courses and programs, within three days after initial payment a student notifies Kaplan of his or her intention to terminate the enrollment; or (4) Kaplan discontinues a course during the period of time within which a student could reasonably have completed the course as defined in the Standard of Progress above. Refunds called for by provision (4) shall not apply in the event that the school ceases operation.
For classroom courses and programs, Kaplan will pay a full refund of tuition and fees paid less a cancellation charge (not to exceed $150) of 20% of the tuition for the course(s) the student is terminating when terminated more than 3 days after the date of enrollment but before training has started. "Training" for correspondence courses and programs commences on the date of enrollment, so refund requests made more than 3 days after date of enrollment for correspondence courses are subject to the policy below.
For refund requests and terminations made more than 3 days after initial enrollment or after training has commenced, Kaplan will retain a cancellation charge of 20% of the tuition (but not to exceed $150.00) for all courses and then pay a refund based on the following policies. Note that this cancellation charge does not apply to the full refund conditions described above, or to refunds under the Veterans Refund Policy set forth separately below. The refund percentages described here shall be applied to full tuition and fees actually paid by the student after deducting the cancellation charge, and not to books. If a student discontinues training or is terminated by Kaplan, the following refund will be made to the student within 30 days of official determination of the termination date (the date on which Kaplan receives written or verbal notice of a student’s intention to discontinue training, or the date on which the student violates the published attendance policy). Refunds will be calculated as follows:
| When a student terminates their training: | Refund the student is entitled to: |
|---|
| Within first 10% of program | 90% refund less cancellation charge |
| After 10% but within 25% of program | 75% refund less cancellation charge |
| After 25% but within 50% of program | 50% refund less cancellation charge |
| After 50% but within 75% of program | 25% refund less cancellation charge |
| After 75% completed |
| (no cancellation charge is applicable if paid in full) | No refund |
Completion percentages will be determined by the number of classroom sessions attended, the number of correspondence lesson quizzes returned (if applicable), or the number of correspondence lessons that should have been completed beginning on the date of initial payment, according to the "lessons per week" standard shown for the satisfactory standards progress described above.
For continuing education courses, after three days from enrollment students will not receive a refund but students will be given credit toward another course of the student’s choosing. Credit can be used for up to one year from the date of enrollment. Books and materials provided for all courses and programs must be returned to Kaplan before any refund can be issued and are not separately refundable. However, if a student cancels and fails to return the course materials, the cost of these materials will be deducted from the total refund given to the student. The charge for books and materials will be based on the tuition fee charged for the equivalent self-study (correspondence) material. No refund is made for shipping or tax charges. Any materials which cannot be re-used will not be refunded. Retail books purchased from our bookstore that have not been opened or used may be returned for a full refund for up to 30 days from the date of purchase.
Postponement of a starting date, whether at the request of the school or the student, requires a written agreement signed by the student and the school. The agreement must set forth: (a) Whether the postponement is for the convenience of the school or the student, and (b) A deadline for the new start date, beyond which the start date will not be postponed. If the course is not commenced, or the student fails to attend by the new start date set forth in the agreement, the student will be entitled to an appropriate refund of prepaid tuition and fees within 30 days of the deadline of the new start date set forth in the agreement, determined in accordance with the school’s refund policy and all applicable laws and rules concerning the Private Occupational Education Act of 1981. Kaplan policies for granting credit for previous training, if applicable, shall not affect this refund policy. Any student who has a comment or complaint regarding Kaplan is invited to write or call the school director personally at our Denver location. Kaplan is Approved and Regulated by the Colorado Department of Higher Education, Private Occupational School Board (DPOS). Complaints or claims pursuant to Section 12-59-118, C.R.S. or Section 12-59-115(6)(a), C.R.S., may be filed in writing or online with DPOS within two years after the student discontinues training with Kaplan or at any time prior to the commencement of training. Other complaints may be filed in writing or online with DPOS within two years of the date the alleged injury and its cause were known or should have been known. All complaints must be in writing or filed online. No action regarding third party complaints is required, except as required by Section 12-59-115(6) (a), C.R.S. The Division of Private Occupational Schools is located at 1560 Broadway, Suite 1600, Denver, CO 80202. Their phone number is 303-866-2723 and their website is
http://highered.colorado.gov/dpos. Each of the policies and programs above are described in our College Bulletin, which is provided to students upon enrollment.
Kaplan, Inc. is the largest subsidiary of Graham Holdings Company, a diversified education and media company whose principal operations include educational services, television broadcasting, cable television systems, and online, print, and local TV news (NYSE: GHC).
Colorado