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

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 Pre-license Insurance Basics.

Exam Provider: Pearson VUE

Scheduling with Idemia (electronic fingerprinting at a test center) 

  • 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. 

Acceptable Methods of Education

  • Classroom
  • Online

Live Class Requirements

In order to fulfill the required pre-licensing 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 pre-licensing education requirements must be met in order to receive a certificate of completion.

Online Course Requirements

  • 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 is tracked. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right-hand corner of your page so that you can verify the time spent in the course is being tracked.
  • Minnesota requires online Certification Exams to be monitored by a disinterested third party. Kaplan offers proctoring services by an approved instructor at no charge at select locations. For information, please contact Kaplan’s Student Support Department at 1-800-824-8742.  Minnesota defines a proctor as: "Proctor" means a disinterested third party with no conflict of interest who verifies a student's identity and processes an affidavit testifying that the student received no outside assistance with the course or examination. Relatives, spouses, friends, roommates, and co-workers are NOT acceptable proctors.

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.


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.

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®

Veteran Education Benefits

Use your GI Bill© education benefits at Kaplan Financial in Minnesota!

Veterans eligible for education benefits under Chapter 31 or Chapter 33 are entitled to receive benefits covering up to 100% of their tuition on VA approved Minnesota Licensing courses at Kaplan Financial. Veterans will be able to attend class while waiting for the VA to make tuition payments provided the student submits their certificate of eligibility to Kaplan no later than the first day of class. 

If a veteran is eligible at less than 100%, they only pay the difference between the total amount of tuition and the amount of the VA education benefit disbursement.

Adjuster License

Disclosure for states that require an Adjuster licensing exam and license:

All insurance adjusters in Minnesota are required to be licensed. Because of its industry recognition and credibility, earning the Texas DHS Adjuster license is accepted as authorization to adjust in Minnesota and other states that recognize it.

The Texas P/C Adjuster license is highly respected in the industry and is available to individuals who want to designate Texas as their home state. This means you can qualify for the Texas P/C adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. 

Kaplan’s Texas P/C Adjuster licensing course and exam is ideal for an adjuster seeking an adjuster license under the DHS concept. The course contains the actual state licensing exam for the Texas P/C 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 Property/Casualty 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.

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 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.


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