Getting your Colorado insurance license is the first step to becoming an insurance agent in Colorado. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

    The Colorado Department of Insurance has a 5-step process to getting your insurance license. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Colorado insurance exam, and beyond.

    This guide has everything you need to know to get your Colorado insurance license quickly and easily.

     

    How To Get Your Colorado Insurance License

    Getting your insurance license in Colorado is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

     

    Step 1Step 1. Which Insurance Licenses Do You Need?

    The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C)life and health insurance license (L&H).

    The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

     

    Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

    Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Colorado Insurance Adjuster License

    Note:

    If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

     

    Step 2Step 2. Colorado Insurance Pre-License Education

    After you’ve determined which licenses you need, you must now take your Colorado insurance pre-license education courses.

    Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.

    Each line of authority in Colorado requires fifty (50) hours of pre-license education.  This means if you are going to get all four lines, you will need two hundred ten 210 hours of education prior to testing.

    You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

    Colorado requires that you must complete ten (10) hours in the following subjects once (not per line)

    • Principals of Insurance: 3 hours
    • Legal Concepts and Regulations: 4 hours
    • Ethics: 3 hours

    Recommended Course

    For required insurance pre-license courses and exam prep, StateRequirement recommends:

     

    Step 3Step 3. Colorado Insurance License Exam

    The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life, Accident, & Health (LA&H) and Property & Casualty (P&C) are a total of four lines. Pearson Vue in Colorado offers these four exams in two “back to back” exams, so you will essentially take four tests, but if you pass them on your first try, you will only have to sit for exams twice. This option does not shorten the exams, but it does allow you to save the fee for one exam sitting.

    You must pass your exams within one year of completing your pre-license education course. Colorado offers what is called “partial pass” for these exams. This means that if you take one of the exams and pass one part, but not the other, you will receive a waiver for the parts that you have passed on the next attempt at the exam.

    This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the exams is $48 for each “back to back producer exam” (P&C and LA&H). When you show up you must have a photo ID and the original pre-license education certificate. Each “back to back” exam will be four (4) parts. An outline of each exam is available on this Pearson Vue PDF.

    To explain the scoring of this exam, we will quote Pearson Vue:

    The passing score of an examination was set by the Division (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. To avoid misuse of score information, numeric scores are only reported to fail candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. Any score below passing score indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.

     

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

     

    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

    Tip:

    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    Check out our review of the Kaplan Insurance Course.

    You may register to take your exams and find more information on the Pearson Vue Colorado website.

     

    Step 4Step 4. Colorado Insurance License Application

    Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

    The fee for an online application is $89 plus a $5 NIPR service fee for a total of $94 per line of authority. Even if you took your pre-license education and the “back to back” exams as combined lines, Property, Casualty, Life, and Accident & Health are counted as four (4) separate lines when applying.

    Fill out your online application on the Sircon Colorado web page.

     

    Step 5Step 5. Application Review

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

    If everything is to acceptable standards your license should be issued within three (3) days. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

    You should receive an email informing you of your license acceptance. If three (3) days pass after submitting your application and you haven’t received an email, contact the Colorado Insurance License Office at (303) 894-7499.

    You may look your license up yourself in the Sircon Colorado License Lookup Tool

     

    Congratulations!

    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.




    After Getting Your Colorado Insurance License

    Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Colorado. A common question we hear is, “I have my insurance license, now what?” Here are a few things you can do or need to know:




    Colorado Department Of Insurance Contact Information

    Mailing Address:

    Division of Professions and Occupations
    1560 Broadway, Suite 1350
    Denver, Colorado 80202

    Phone: (303) 894-7499

    Fax: (303) 894-7693

    Email: [email protected]

    Website: https://www.colorado.gov/pacific/dora/node/87936

    License Search: Colorado Insurance License Search and Lookup

     

    Colorado Insurance License FAQ

    How long is the insurance license period in Colorado?

    Two years. Learn more here: Colorado Insurance License Renewal

     

    How long does it take to get an insurance license in Colorado?

    2-8 weeks. The bulk of the time is spent studying for your Colorado insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam

     

    How much does the Colorado insurance license cost?

    The total cost for your insurance course, application, and exam will be about $375. If you don’t pass the exam the first time, add $48 for each subsequent attempt.

     

    How do I get a life insurance license in Colorado?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

     

    How do I get a property and casualty license in Colorado?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.




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    Information on this page has been gathered by a multitude of sources and was most recently updated in April 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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