Our Live Online, Live & OnDemand, and Self-Study Online insurance licensing solutions provide a safe and convenient learning environment for our students, customers, and community. Select Your State »

Minnesota Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Minnesota. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Minnesota Department of Commerce website at http://mn.gov/commerce/industries/insurance/licensing. 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.

Minnesota Department of Commerce

85 7th Place East, Suite 500  
St. Paul, MN 55101
Phone: 651-539-1599 or 800-657-3978 (in MN)
Fax: 651-539-1550
Website: http://mn.gov/commerce/industries/insurance/licensing
Email: licensing.commerce@state.mn.us


How to Get Your Minnesota Insurance License

1. Complete an Insurance Prelicensing Course

Minnesota 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: 20 Hours
  • Accident & Health: 20 Hours
  • Property: 20 Hours
  • Casualty: 20 Hours
  • Personal Lines: 20 Hours

All courses include 10 hours of Prelicense Insurance Basics.

Acceptable Methods of Education

  • Classroom
  • Online

Live Class Requirements

In order to fulfill the required prelicensing education requirements, the state of Minnesota requires that applicants attend all sessions of the live class and pass an in-class certification exam with a minimum score of 70% or greater. All prelicensing education requirements must be met in order to receive a certificate of completion.

Online Course Requirements


Time Tracking:

  • This state requires forced progression (requires the user to successfully complete each page of the online course before being allowed to proceed to the next) and that your online study time be tracked. In order to successfully complete the course, you must study the required number of minutes per Course Content Units of the online course. For example, if you are studying a course that requires 20 hours of study time, you must study a minimum of 20 hours to receive credit. Your online course tracker will be displayed in the upper right-hand corner of your screen so that you can verify the time spent in the course is being tracked.
  • Per the requirement of the state, the 20 hours are spread across the course weighted based on a word count for each unit. If the unit has 20 minutes of required study time and you spend 30 minutes studying the unit, please note you will not get credit for the extra 10 minutes spent studying. That extra time will not reduce the required time in subsequent units.
  • Also, be aware that your course will time out if there is no activity on the screen (clicking, scrolling) for 10 minutes. You will be logged out from the course and will need to log back in, which will return you to the screen you were on. You will receive credit on your timer for the 10 minutes of inactivity.

Minnesota requires exams to be monitored by a proctor. Minnesota defines a proctor as the following: a person who (1) verifies a student's identity, and (2) processes an affidavit testifying that the student received no outside assistance with the course or examination. A proctor must be 18 years of age or older and not have a financial or other conflict of interest with respect to a student's successful completion of the course or the examination. A proctor must not be a relative of the student, the student's supervisor at work, a person the student supervises at work, or a student who is completing the same course.

Note: For each student, the chosen proctor is required to submit the original signed and dated verification information affidavit to the education provider's MN approved Education Coordinator immediately after the conclusion of the exam.

Prelicensing Education Exemptions

The following are exempt from the insurance prelicense education requirement:

  • Someone with a two-year Minnesota vocational school degree in insurance
  • Someone with a four-year college degree in business with an insurance emphasis
  • Life applicants with any of the following professional designations: CEBS, ChFC®, CIC, CFP®, CLU®, FLMI, or LUTCF
  • Health applicants with any of the following professional designations: RHU, CEBS, REBC, or HIA
  • Property, Casualty, or Personal Lines P & C applicants with any of the following professional designations: AAI, ARM, CIC, or CPCU®

Adjuster License Requirements

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your Minnesota Licensing Exam

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

Certificate of Completion Requirements

  • Prelicensing education course provider must submit an electronic certification that the applicant has completed all prelicensing requirements.
  • Candidates must provide proof of prelicensing education at the exam site.
  • Currently, prelicensing education certificates are valid indefinitely.
  • The state requires those who enroll in the Premium Live Online Package to answer attendance verification polling questions for the entire live online class to earn credit.

Exam Provider: Pearson VUE

Frequently Asked Questions About the Minnesota Licensing Exam

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

Candidates should report to the test center thirty (30) minutes before the examination and check in with the test center administrator. The candidate’s identification and other documentation will be reviewed and they will be photographed for the score report. 

Required Materials

All candidates are required to bring identification that is deemed acceptable, listed under Acceptable Forms of Candidate Identification, to the test center on the day of examination. 

Documentation of Eligibility

Please note that if you are not exempt from prelicense education requirements, you must complete them before you take the examination. If you take the examination before you have completed prelicense education requirements, your exam results will be invalid and you will have to retake the examination, even if you passed it.

Candidates with a prelicense education requirement must bring prelicense education Proof of Completion or POC (except for Adjusters, Farm Property, and Liability Producers; there are no prelicense education requirements for these lines).

Note: Providing a POC via cell phone or electronic device is not acceptable. The POC must be printed and presented on a physical piece of paper

Acceptable Forms of Candidate Identification

Candidate 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, photo-bearing with a valid signature and the secondary identification must contain a valid signature. Identification must be in English.

Primary ID (photograph, and signature, not expired)

  • Government-issued Driver’s License
  • U.S. Dept. of State Driver’s License
  • U.S. Learner’s Permit (plastic card only with photo and signature)
  • National/State/Country Identification Card
  • Passport
  • Passport Cards
  • Military ID
  • Military ID for spouses and dependents
  • Alien Registration Card (Green Card, Permanent Resident Visa)

Secondary ID (signature, not expired)

  • U.S. Social Security Card
  • Debit (ATM) Card or Credit Card
  • Any form of ID on the Primary list

If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature.

Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

What is the exam like? 

Test Center Policies

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

  • 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.
  • Calculators are permitted only if they are silent, hand-held, nonprinting, and without an alphabetic key pad. Financial calculators are not permitted. Calculator malfunctions are not grounds for challenging examination results or requesting additional examination time. NOTE: Calculators are NOT provided by the test center staff.
  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen or misplaced personal items.
  • Studying is not allowed in the test center. Visitors, children, family or friends are not allowed in the test center.
  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.
  • Eating, drinking, or chewing gum, smoking and/or making noise that creates a disturbance for other candidates is prohibited during the exam.
  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.
  • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees.
  • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary—for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. Candidates are not allowed access to other items, including but not limited to, cellular phones, exam notes and study guides, unless the exam sponsor specifically permits this.
  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

Exam Format

Each major lines examination is given in a multiple-choice format and consists of two parts. The general section deals with basic insurance product knowledge. The state section deals with insurance laws, rules, regulations, and practices that are unique to Minnesota. The score from the exam is not based on each part separately, but each exam as a whole. 

Many of the examinations will contain “pretest” questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect a candidate’s score. Pretest questions are mixed in with the scored questions and are not identified. The number of pretest questions are listed in the content outline heading of each examination for which they are available. If a number is not present then there are no pretest questions for that particular examination.


How is the exam scored?

When candidates complete the examination, they will receive a score report marked “pass” or “fail”. Candidates who pass the examination will receive a score report that includes information on how to apply for a license. 

The passing score of the exam is determined by the Minnesota Department of Commerce. Thorough standardization and control, Pearson VUE ensures that no individual has an unfair advantage or disadvantage because of a particular examination format. 

Examination scores are based on the number of questions answered correctly. Candidates who are uncertain about the correct answer to a question may be able to eliminate one or more of the answer choices as incorrect. It is always better to guess at the correct answer than to not answer a question because there is no penalty for incorrect answers.

Candidates who pass the examination will receive a score report that includes information on how to apply for a license.

Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information, as well as information about reexamination. Additional information may be found in the Retake Policy section above. Reservations for reexamination are not made at the Test Center, and candidates must wait twenty-four (24) hours before making one.

How long is the exam? 

Exam CodeLine of AuthorityExam TimeTotal Questions
InsMN_Life01Life Producer2 HoursNo Mention
InsMN_Health02Accident & Health Producer2 HoursNo Mention
InsMN_LAH05Life, Accident & Health Producer3 HoursNo Mention
InsMN_Prop03Property Producer2 HoursNo Mention
InsMN_Cas04Casualty Producer2 HoursNo Mention
InsMN_PC06Property & Casualty Producer3 HoursNo Mention
InsMN_PCAdj14Property & Casualty Adjuster2 HoursNo Mention
InsMN_Pers55Personal Lines Producer2 HoursNo Mention
InsMN_Farm55Farm Property & Liability Producer1 HourNo Mention
InsMN_Crop31Crop Adjuster1 HourNo Mention
InsMN_WCAdj18Workers Compensation Adjuster1 HourNo Mention


3. Get Fingerprinted

Go to pearsonwest.ibtfingerprint.com, or call IDEMIA at (866) 761-8069 (Monday through Friday, 8:00 AM to 5:00 PM Central time) to make a fingerprint reservation as close to the start time of your examination as possible. (It does not need to be the exact same time. As long as you have made a fingerprint reservation, the test center will be able to process your prints when you arrive for your exam.) Use your full legal name, as it appears on your government-issued ID, when you make your fingerprint reservation, and be sure to select the correct license type. Write down the confirmation number; you will need it on the day of your appointment. 

Helpful Tips for making your fingerprint reservation:

  • Be sure to select the correct license type when making your fingerprint reservations to avoid delays in receiving your results.
  • Have your credit card available if you will be paying by credit card.
  • If you are paying by echeck you must allow 3 business days (Monday-Friday) in between the date you are making the appointment and the actual date of appointment. This will allow sufficient time for the payment portion to clear.
  • Please have access to a calendar for ease in referencing dates of your availability.
  • It is helpful to have a pen and paper handy to jot down your confirmation number and the date/time/location of your appointment.
  • When you arrive at the test center for your fingerprint appointment, please have the confirmation number you received during the fingerprint reservation process.
  • If you want to be fingerprinted at the same time on the same day as your exam appointment we urge you to make your fingerprint appointment at the same time as right after you make your exam appointment.

4. Apply for a Minnesota Insurance License

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

After passing the examination and submitting fingerprints, apply for your license at www.sircon.com/minnesota.

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.

5. 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 Minnesota insurance license by clicking here.

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 Minnesota.


Property & Casualty

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

Personal Lines

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



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