Pennsylvania Insurance Licensing State Requirements
On this page, you will find all of the state-specific information for Insurance Licensing in the state of Pennsylvania. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Pennsylvania Insurance Department website at http://www.insurance.pa.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.
Pennsylvania Insurance Department
How to Get Your Pennsylvania Insurance License
- As of 4/23/2020: The Department will be commencing the issuance of temporary producer licenses to those qualifying individuals desiring to become Pennsylvania resident insurance producers. The temporary licensing of individual resident insurance producers will be subject to the following terms and mandates:
- An insurance company holding an active certificate of authority in Pennsylvania must sponsor (“Sponsoring Insurer”) the individual for temporary licensure. The individual need not be an employee of the insurance company but must be actively appointed to represent the Sponsoring Insurer. The sponsoring insurer must be authorized to write the line(s) of insurance in which the individual is applying. The appointment will be in effect only as long as the temporary license is valid. Temporary licensees will only be permitted to hold an appointment with one Sponsoring Insurer. Only the Sponsoring Insurer is permitted to submit applications on behalf of individuals for temporary licensure.
- Twenty-four credit hours of pre-licensing education must be completed by the individual prior to issuance of a temporary license, which may be administered by a Department approved provider. While in-person pre-licensing education has been temporarily suspended in Pennsylvania, web-based education is still available through Department approved providers. If an individual is not able to find web-based, pre-licensing education through a Commonwealth provider, the Sponsoring Insurer must certify to the Department that the insurer has conducted twenty-four credit hours of its own prelicensing education for the individual applicant.
- The individual seeking temporary licensure must complete the fingerprinting/background check process through the Department. An application fee of $55 must be paid to the Department.
- If a temporary licensee takes and passes the appropriate producer licensing exam prior to the expiration of the temporary license, the Department will waive the application fee to become a fully licensed resident producer without requiring an additional application or fingerprinting/background check. If a temporary licensee takes and passes the appropriate producer licensing exam within six months after the expiration of the temporary license, the temporary licensee must complete the fingerprinting/background check process through the Department to be fully-licensed as a resident producer. However, no additional fee or application is required.
- The Sponsoring Insurer will confirm to the Department that the temporary licensee’s sales activities and training are coordinated by a fully-licensed Pennsylvania resident insurance producer in good standing with the Department or, where applicable, a FINRA licensed registered principal.
- The temporary producer license allows the individual to operate in Pennsylvania as a resident temporary producer. Temporary producers are not eligible for non-resident licenses in other states. The temporary license is valid for no more than 180 days from the date of issuance. This temporary license is nontransferable and cannot be renewed. Each temporary licensee shall have only one Sponsoring Insurer and appointment. Individuals receiving a temporary license will receive notification from the Department of the issuance of the temporary individual resident producer license, along with all restrictions, entitlements and notice of expiration. Directions will be provided for how the licensee can print the license to show proof of temporary licensure.
- Pursuant to 40 P.S. § 310.9(d), the Department may revoke a temporary license if it is deemed in the public interest. Any founded violations of the Pennsylvania insurance law or regulations may result in immediate revocation of the temporary license.
- Any active temporary producer license issued by the Department may be converted to a regular producer license by completion of all prerequisites of a license for the desired lines of authority, including meeting all examination and fingerprint requirements pursuant to Pennsylvania statute. The Sponsoring Insurer must keep track of which licensees have been provided a temporary license in order to quickly move them through the exam and background process once testing centers are again available for use.
- As of 3/25/2020: Effective immediately and until further notice, the use of proctors in a face-to-face setting is prohibited. Instead, virtual proctors will be permitted or if a virtual proctor is not feasible, the proctor requirement will be eliminated for all approved online courses.
1. Complete an Insurance Prelicensing Course
Pennsylvania 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
Candidates must complete the prelicensing education requirements of 24 hours of approved prelicensing courses, of which a minimum of 3 hours must be from an approved ethics course.
- Life/Accident and Health: 24 Hours
- Life: 24 Hours
- Accident and Health: 24 Hours
- Property/Casualty: 24 Hours
- Property: 24 Hours
- Casualty: 24 Hours
- Personal Lines: 24 Hours
Acceptable Methods of Education
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 (i.e., there can be no family relationship, cannot be a direct supervisor, cannot be a person directly supervised by the student).
Prelicensing Education Exemptions
Candidates with the following designations or certifications are generally exempt from prelicensing education and examination requirements for the indicated line of insurance authority:
- Life or Accident and Health—CLU®
- Property, Casualty, or Accident and Health—CPCU®
- Life, Accident and Health or Property and Casualty—CIC
- Adding a line of authority to an existing license does not require prelicensing education. The licensee should take a copy of his/her current producer license to the exam center.
Note: Candidate must submit their license application within one year of passing the exam.
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 Pennsylvania Licensing Exam
After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Pennsylvania 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 monitored final exam.
- Education providers are required to report prelicensing education credits to PSI within 15 business days and to provide candidates with a certificate of completion within 30 business days of the candidate successfully completing the course.
- As proof of successful completion, candidates must bring their prelicensing education certificate of completion with them to the testing center.
- Certificates are valid for one year from the date of course completion.
- Candidates are required to retain certificates of course completion and affidavits of exam completion for 6 years from the date of completion.
State Reporting Fees
The PA Department of Insurance requires a course reporting fee of $5.00 per course (online, self-study and classroom courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online, self-study, or classroom course.
Exam Provider: PSI
Frequently Asked Questions About the Pennsylvania Licensing Exam
After completing my prelicensing, how should I prepare for exam day?
For the fastest and most convenient examination scheduling process, register for your examinations online by accessing PSI’s registration website at www.psiexams.com. Internet registration is available 24 hours a day.
Or call (800) 733-9267. PSI registrars are available to receive payment and to schedule your appointment for the examination. Please call Monday through Friday between 7:30 am and 10:00 pm, and Saturday-Sunday between 9:00 am and 5:30 pm, Eastern Time.
Complete the PSI registration form (found at the end of this booklet), including your credit card number and expiration date. Email the completed form to PSI at firstname.lastname@example.org. Email registrations are accepted 24 hours a day.
On the day of the examination, you should arrive 30 minutes before your appointment. This extra time is for sign-in, identification, and familiarizing you with the examination process. If you arrive late, you may not be admitted to the examination site and you will forfeit your examination registration fee.
Candidates must register for the exam with their LEGAL first and last name as it appears on their government issued identification. All required identification below must match the first and last name under which the candidate is registered. Candidates are required to bring one (1) form of valid (nonexpired) signature bearing identification to the test site. If the candidate fails to bring proper identification or the candidate names do not match, the candidate will not be allowed to test and their examination fee will not be refunded.
All candidates must provide 1 form of identification. ID must contain candidate’s photo, signature, and be valid and unexpired. Allowable forms of identification are as follows:
- State Issued Driver’s License
- State Issued Identification Card
- US Government Issued Passport
- US Government Issued Military Identification Card
- US Government Issued Alien Registration Card
- Canadian Government Issued ID
- US Employment Authorization Card
Certain candidates must present their prelicensing education certificate or an education verification letter from the Pennsylvania Insurance Department. To see if this applies to you, any additional, relevant information can be found in the candidate handbook.
The following security procedures apply during examinations:
- All examination sites will provide ear plugs upon request
- Calculators provided by PSI are allowed.
- You will be given a piece of scratch paper and a pencil. These will be returned to the proctor at the end of your examination.
- All personal belongings of candidates should be placed in the secure storage provided at each site prior to entering the examination room. Personal belongings include, but are not limited to, the following items:
- Electronic devices of any type, including cellular/mobile phones, recording devices, electronic watches, cameras, pagers, laptop computers, tablet computers (e.g., iPads), music players (e.g., iPods), smart watches, radios, or electronic games.
- Bulky or loose clothing or coats that could be used to conceal recording devices or notes. For security purposes outerwear such as, but not limited to: open sweaters, cardigans, shawls, scarves, hoodies, vests, jackets and coats are not permitted in the testing room. In the event you are asked to remove the outerwear, appropriate attire, such as a shirt or blouse should be worn underneath.
- Hats or headgear not worn for religious reasons or as religious apparel, including hats, baseball caps, or visors.
- Other personal items, including purses, notebooks, reference or reading material, briefcases, backpacks, wallets, pens, pencils, other writing devices, food, drinks, and good luck items.
- Although secure storage for personal items is provided at the examination site for your convenience, PSI is not responsible for any damage, loss, or theft of any personal belongings or prohibited items brought to, stored at, or left behind at the examination site. PSI assumes no duty of care with respect to such items and makes no representation that the secure storage provided will be effective in protecting such items. If you leave any items at the examination site after your examination and do not claim them within 30 days, they will be disposed of or donated, at PSI’s sole discretion.
- During the check in process, all candidates will be asked if they possess any prohibited items. Candidates may also be asked to empty their pockets and turn them out for the proctor to ensure they are empty. The proctor may also ask candidates to lift up the ends of their sleeves and the bottoms of their pant legs to ensure that notes or recording devices are not being hidden there.
- Proctors will also carefully inspect eyeglass frames, tie tacks, or any other apparel that could be used to harbor a recording device. Proctors will ask to inspect any such items in candidates’ pockets.
- If prohibited items are found during check-in, candidates shall put them in the provided secure storage or return these items to their vehicle. PSI will not be responsible for the security of any personal belongings or prohibited items.
- Any candidate possessing prohibited items in the examination room shall immediately have his or her test results invalidated, and PSI shall notify the examination sponsor of the occurrence.
- Any candidate seen giving or receiving assistance on an examination, found with unauthorized materials, or who violates any security regulations will be asked to surrender all examination materials and to leave the examination center. All such instances will be reported to the examination sponsor.
- Copying or communicating examination content is violation of a candidate’s contract with PSI, and federal and state law. Either may result in the disqualification of examination results and may lead to legal action.
- Once candidates have been seated and the examination begins, they may leave the examination room only to use the restroom, and only after obtaining permission from the proctor. Candidate will not receive extra time to complete the examination.
Three different multiple-choice formats are used.
A small number (5 to 10) of "experimental" questions may be administered to candidates during the examinations. These questions will not be scored and sufficient time to answer them is included in the examination time. The administration of such non-scored experimental questions is an essential step in developing future licensing examinations.
Following are the individual examination content outlines indicating the examination time limit, minimum score required to pass, subject area and the number of items in each area. These outlines are the basis of the examination. Each examination will contain questions about the subjects in its outline. In order to pass the examination, you must achieve a minimum score of 70%.
Your score will be given to you immediately following completion of the examination. The following summary describes the score reporting process:
- If you pass, you will receive a successful score report.
- If you do not pass, you will receive a diagnostic report indicating your strengths and weaknesses by examination type on the score report.
Reschedule your exam after the 24 hour waiting period. You must re-register by following the initial registrations and scheduling steps. You may not reschedule on the same day that you have taken an examination.
It is not possible to make a new examination appointment on the same day you have taken an examination; this is due to processing and reporting scores. A candidate who tests unsuccessfully on a Wednesday can call the next day, Thursday, and retest as soon as Friday, depending upon space availability.
How long is the exam?
|Line of Authority||Exam Time||Total Questions|
|Accident and Health||2 Hours||100|
|Life, Accident and Health||2 Hours, 50 Minutes||150|
|Property and Allied Lines||2 Hours||100|
|Property and Casualty||2 Hours, 50 Minutes||150|
|Personal Lines||2 Hours||100|
3. Get Fingerprinted
Act 147 of 2002, 40 P.S. 310.5, requires initial resident insurance producer applicants to provide fingerprint samples to the Pennsylvania Insurance Department. The Department uses this information to receive national criminal history background information from the Federal Bureau of Investigation (FBI). This applies to all initial applicants for a resident insurance producer license and applicants for a non-resident insurance producer license who do not qualify to apply for a license under reciprocity.
As a reminder, individuals should not register for a fingerprinting appointment and submit their fingerprints until after they have passed any examination requirements and applied for licensure. Any fingerprint results received without a corresponding license application will be destroyed, and individuals will be required to repay the fingerprinting fee and resubmit their fingerprints at an IdentoGO center.
4. Apply for a Pennsylvania Insurance License
Once you have passed your state licensing exam, you are ready to apply for an insurance license. Pennsylvania resident applicants must use the online application service at 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.
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 Pennsylvania insurance license by clicking here.