How to Get a Life Insurance License in Utah

Getting your Utah life insurance license is the first step toward becoming a life insurance agent in the state.

The Utah Insurance Department requires you to complete a five-step process to become a life insurance agent in Utah — from taking the life insurance exam to applying for a license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

Life Insurance License Utah

Obtaining your Utah life insurance license isn’t difficult. Just follow these five steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Utah property and casualty (P&C) license as well.

Step 1: Complete a Utah Insurance Pre-license Course

Before you take the Utah life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Utah doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense.” Pre-license education courses are self-paced and include study materials like practice exams and flashcards.

Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

Step 2: Take the Utah Life Insurance Licensing Exam

After you complete a prep course and your own independent studying, it’s time to take the Utah life insurance exam.

Utah uses Prometric as its official testing service for delivering licensure exams.

The Utah life insurance exam outline contains a total of 100 scored questions that cover eight sections: 

• Insurance Regulation
• General Insurance
• Life Insurance Basics
• Life Insurance Policies
• Life Insurance Policy Provisions, Options, and Riders
• Annuities
• Federal Tax Considerations for Life Insurance and Annuities
• Qualified Plans

You’ll have 120 minutes to complete the exam. The Utah life insurance exam fee is $32, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

If you happen to fail the Utah life insurance exam, you can schedule a time to retake it as soon as 24 hours after your first attempt. There’s no limit to the number of attempts you can make on the same exam.

Step 3: Complete a Utah Life Insurance License Application

Once you pass the life insurance exam, you can apply for your Utah life insurance license. The application fee is $75, and you must apply online via Sircon. The license application will include an FBI/BCI fingerprint fee of $28.25.

Prometric should have a kiosk at their location for you to apply for your license. Since you cannot have your fingerprints taken until you have applied, we highly recommend that you apply while you are still at the Prometric center.

The Utah Insurance Department will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a life insurance license in Utah, make sure you comply with the insurance licensing requirements as defined under the Utah Insurance Code and the Utah Administrative Code.

Send any questions or supporting documents to licensing.uid@utah.gov.

Step 4: Get a Fingerprint-Based Background Check

After completing your Utah insurance license application online, print out your Sircon confirmation page that you will need for showing to the test center supervisor as proof you have paid the FBI/BCI fees in order to be fingerprinted.

The total cost of fingerprinting is $34.25. This covers the $28.25 FBI/BCI fee plus the $6 Prometric fingerprinting processing fee. When completed, the documents will be automatically forwarded to the licensing department.

At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records.

Step 5: Watch for Your Application Results

After you complete the previous four steps, the Utah Insurance Department will review your application and background check. It reviews applications in the order it receives them, and this process usually takes five to 10 business days from the date you submit your application.

Once the Utah Insurance Department finishes reviewing your application, it’ll email you with its decision or ask you to provide more information.

You can print your license from the Sircon website. There’s no charge to create an account or print a license. If you don’t remember your license number, you can find it by using the Utah Insurance Company and Agent Search tool.

Congratulations!

You’re now ready to get started as a life insurance agent in Utah.

Steps After Securing Your Utah Life Insurance License

Once you complete the above steps and have your Utah life insurance license, there are a few steps you’ll need to take in order to a) excel as an insurance agent, and b) maintain your life insurance license.

Let’s take a brief look at these below.

Obtain All Relevant Securities Licenses

If you’re planning on selling advanced life insurance products, you’ll likely need to pass the Securities Industry Essentials (SIE) exam and obtain the relevant securities licenses (e.g., Series 6, 7, and 63).

For more information on this step, you can have a look at our in-depth Securities Licensing overview.

Choose a Means of Selling

You’ll have to decide whether you’d prefer working as a captive agent employed by one company, or running your own business as an independent agent.

If you’re just starting out, you’ll likely benefit from working as a captive agent, but this will ultimately depend on your personal aspirations and opportunities.

Develop Your Marketing Approach

To succeed as an insurance agent, you’ll need to adopt a marketing approach that’s effective for you.

We recommend finding and sticking to a niche, as well organizing all client appointments for the start of your week. This is because this can improve your overall client conversions.

Keep Your License Valid

In Utah, you complete 24 hours of continuing education (CE) every two years in order to renew your insurance license. Three of those hours must focus on ethics and at least 12 hours must be “classroom” or “classroom-equivalent” courses.

Keep in mind that if you have a non-resident license and are in good standing in your home state you will not need to take CE courses in Utah. To find out if you need to take Utah courses, you can visit the Sircon website and click on the “Continuing Education Transcript Inquiry” option.

Note: To avoid delays in renewing your license, you should complete the required CE hours at least 90 days before your license expires. The renewal fee for this is $75.

Utah Insurance Department Contact Information

Mailing Address

4315 S. 2700 W., Suite 2300
Taylorsville, UT 84129

Phone: (801) 957-9240 

Email: licensing.uid@utah.gov

Website: https://insurance.utah.gov/licensee/producers

License Search: Utah Insurance License Lookup