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Vermont Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for insurance licensing in the state of Vermont. This information pertains to resident license applicants. For additional information for resident licensing, or for nonresident license information, please refer to the Department of Financial Regulation website at https://dfr.vermont.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.

Department of Financial Regulation

Insurance Division
Producer Licensing
89 Main Street  
Montpelier, VT 05620-3101
Phone: 802-828-3303
Fax: 802-828-1633
Website: https://dfr.vermont.gov/industry/insurance 
Email: dfr.producerlicensing@vermont.gov


How to Get Your Vermont Insurance License

1. Complete an Insurance Exam Prep Course

Those looking to earn a Vermont insurance license have a significantly higher chance of passing their licensing exam when they complete one of Kaplan’s exam prep courses. Give yourself the best chance to pass before you sit for the state exam. 

Prelicensing Education Hour Requirements

  • The state of Vermont does not require prelicensing education.
  • Although prelicensing education is not required, due to the difficulty and nature of the exam, Kaplan highly recommends enrolling in a study course.

2. Pass Your Vermont Licensing Exam

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

Exam Provider: Prometric - www.prometric.com/vermont/insurance

Frequently Asked Questions About the Vermont Licensing Exam

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

Exam Preparation

Register and schedule your exam. The easiest way to register and schedule is online at www.prometric.com/vermont/insurance. Phone, fax, and mail options are also available. 

Effective May 20, 2019, Vermont Insurance has migrated to a new Registration and Scheduling page within Prometric’s Candidate Management System. Register and schedule online—it saves time and it’s easy! You can easily register and schedule your exam online at any time using our Internet Registration Service by going to:

  • http://www.prometric.com/vermont/insurance
  • Click on Create or Login to Your Account to register.
    • You will be able to schedule any Vermont Insurance examination that you are eligible to test on (all eligible exams will be listed). 
  • Click on Schedule Your Test and follow the prompts.
    • ­You will need to create or login to your account and schedule any Vermont Insurance examination that you are eligible to test on.

Note: An exam registration remains valid for 90 calendar days after it has been processed. It will expire without further notice at that time. We recommend that you do not register for your exam until you are prepared to take it. If you allow your exam registration to expire or did not pass your exam, you must re-register. Another exam registration fee is required.

Exam Day

You should arrive at least 30 minutes before the scheduled exam appointment. This allows time for you to sign in and for staff to verify your identification and complete all security checks.

Required Identification

Take the scheduled examination, bringing required identification to the test center.

Primary Identification

  • Be government-issued (e.g., driver’s license, state-issued identification card or military identification card).
  • Contain both a current photo and your signature.
  • Have a name that exactly matches the name used to register for the examination (including designations such as “Jr.” and “III”).

Security Procedures

  • You will be required to raise your pants legs above your ankles, empty and turn all pockets inside-out and raise shirt sleeves above your wrists prior to every entry into the test room.
  • You will be scanned with a metal detector wand prior to every entry into the test room. If you refuse, you cannot test.
  • If you are wearing eyeglasses, you will be required to remove them for visual inspection to ensure they don’t contain a recording device.
  • Large jewelry items must be stored in your locker due to concerns over concealed recording devices.
  • You are prohibited from communicating, publishing, reproducing, or transmitting any part of your test, in any form or by any means, verbal or written, for any purpose. 
  • Any clothing or jewelry items allowed to be worn in the test room must remain on your person at all times. Removed clothing or jewelry items must be stored in your locker.
  • You must not bring any personal/unauthorized items into the testing room.
    • ­Such items include but are not limited to outerwear, hats, food, drinks, purses, briefcases, notebooks, pagers, watches, cellular telephones, recording devices, and photographic equipment. Weapons are not allowed at any Prometric test center.
    • ­You will be asked to empty and turn your pockets inside out prior to every entry into the test room to confirm that you have no prohibited items.
  • You are not allowed to use any electronic device or phone during breaks.
  • If you have a medical condition that may require you to access food or medicine during your exam session, you must store those items separately from other items you place in the test center locker.
    • ­You must inform the TCA before you retrieve the food or medicine, and the TCA will observe you obtaining the item from the locker.
    • ­You are not allowed to access any item other than food or medicine needed for a medical reason.
  • You must conduct yourself in a civil manner at all times when on the premises of the test center.

What is the exam like? 

Exam Format

  • The exam will be administered by computer but you do not need any computer experience or typing skill to take the exam.
  • While in the test center, you will be continuously monitored by video.
  • During your examination, you will also be monitored by physical walk-throughs and through an observation window.
  • All testing sessions are video and audio recorded.
  • You must present valid (unexpired) and acceptable ID(s) in order to take your test. (See “Identification required” in the previous section). 
  • You must sign the test center roster each time you leave the test room. You must also sign back in and show your ID to the Test Center. 
  • You must not talk to other candidates or refer to their screens, testing materials, or written notes in the test room. 
  • You must not use written notes, published materials, or other testing aids. 
  • You are allowed to bring soft ear plugs or center-supplied tissues into the test room. 
  • You must return all materials issued to you by the test center administrator (“TCA”) at the end of your test.
  • The examination contains four-option multiple-choice questions. 
  • Three different multiple-choice formats are used. (*) indicates the correct answer:

Format 1—Direct Question

Example: Which one of the following is a type of health insurance policy designed to replace the wages of an insured that is unable to work due to an accident or sickness?

  1. Disability Income Insurance Policy*
  2. Employer-Sponsored Group Major Medical Policy
  3. Hospital Expense Insurance Policy
  4. Special Risk Policy

­ Format 2—Incomplete sentence

Example: Benefits under workers' compensation insurance are payable:

  1. For bodily injury that is accidental or intentional
  2. Regardless of the liability of the employer*
  3. Unless safety rules are violated
  4. Up to a maximum of 30 percent of weekly wages

­ Format 3—All of the following except

Example: A life insurance policy may include provisions that do all of the following EXCEPT:

  1. Restrict coverage if death is caused by suicide
  2. Require evidence of insurability to reinstate coverage
  3. Extend the contestable period beyond two years*
  4. Adjust proceeds if the insured's age is misstated on the application
  • The examination may include some experimental questions that will not be scored.
  • If present, they are distributed throughout the examination and will not be identified as such.
  • These experimental questions will not be counted for or against you in the final examination score.
    • ­You will be helping us help future test takers by completing five (5) experimental test questions in your exam.
  • The questions will: 
    • ­ Be randomly distributed within your test.
    • ­ Will not be counted in your final score.
    • ­ Time spent on the question will not be deducted from your test time. 

How is the exam scored?

Exam Evaluation

At the end of the exam, the score will be shown on the screen, and you will receive a printed score report. The report indicates the overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed. The report also displays the correct percentage in each major section of the exam, as defined by the exam content outline. These section scores are shown to guide you, or your employer and/or trainer, about areas requiring additional preparation for retesting if you do not pass the exam. Even after you pass, you may want to focus on these areas as you begin to provide insurance products and services to the public.

The section percentages will not average out to your total percentage score. Individual examination outline sections are allocated different numbers of questions on the examination. Your total percentage score is computed by dividing the number of questions you answered correctly by the total number of questions in the examination. The total score is not computed by adding the section percentages and dividing by the total number of sections. 


How long is the exam? 

3. Apply for a Vermont Insurance License

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

  • Residents can apply electronically using the NIPR website (www.nipr.com) 48 hours after passing the exam. Applying electronically significantly reduces the time for processing your application.
  • The initial license application must be accompanied by a $30 application fee and the appropriate licensing fee. Visit the Department’s Web site at www.vermontinsuranceagent.info for the fee charts under each license type. 

Vermont residents desiring any type of insurance license must be:

  • 18 years of age;  
  • A resident of, or actually residing in, Vermont or maintaining a principal place of business in this state; and; 
  • Deemed by the Commissioner of the Department of Financial Regulation to be competent, trustworthy, financially responsible, and of good personal and business reputation.

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.

An individual who applies for an insurance producer license in this state who was previously licensed for the same lines of authority in another state shall not be required to complete any pre-licensing education or examination. This exemption is only available if the person is currently licensed in that state or if the application is received within 90 days of the cancellation of the applicant’s previous license and if the prior state issues a certification that, at the time of cancellation, the applicant was in good standing in that state or the state’s producer database records, maintained by the National Association of Insurance Commissioners, its affiliates or subsidiaries, indicate that the producer is or was licensed in good standing for the line of authority requested.

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 Vermont 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 Vermont.


Property & Casualty

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

Personal Lines

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



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