How To Become An Insurance Agent In Delaware
Getting your insurance license is the first step to becoming an insurance agent in Delaware. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in Delaware.
How To Get Your Insurance License In Delaware
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-Exam Education
After you’ve determined which licenses you need, it’s time to begin studying for the Delaware insurance exams.
Delaware does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.
Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.
It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.
Step 3. Fingerprinting and Background Check
The State of Delaware requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Delaware Department of Insurance at 302-674-7390 or email the Insurance Department.
You must schedule your fingerprinting appointment with the Delaware State Police at (302) 739-2528. Tell them that you are getting your fingerprints for a Delaware insurance license and that you need both state and FBI background checks run.
The fee for fingerprinting is $75. When completed, they will send the results directly to the Insurance Department.
Step 4. Delaware Insurance License Exams
The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry.
Pearson Vue offers what is called “back-to-back” exams in Delaware. This means that you can take the Property and the Casualty exams on the same day, and only pay for one of them. This is also the case with the Life and Accident and Health exams.
This is a proctored test, which means that you will be in a controlled environment with a person watching over 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 $90. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.
All of the exams are comprised of around ninety (90) questions (some a few more, some a few less), and are split into two sections: General Knowledge, and State Specific.
Pearson Vue also allows “partial pass” in Delaware. This means that if you pass one section of an exam, but not the other, you will not have to retake the already passed section when testing again. You have up to one (1) year to pass the other section of the exam.
To explain the scoring of the exams, we will quote the Pearson Vue Delaware Insurance Licensing Candidate Handbook:
The passing score of an examination is set by the State of Delaware Department of Insurance in conjunction with Pearson VUE. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported is neither the number of questions answered correctly nor the percentage of questions answered correctly. Any score below the minimum required passing score indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidate answered correctly. Some exams require a scaled score of 70 to pass and others require a scaled score of 80 to pass. The passing score will be listed on your score report.Pearson Vue
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.
Note: 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.
You may register to take your exams and find more information on the Pearson Vue Delaware Insurance Exam page.
After passing, you will receive a report from Pearson Vue. Do not lose this report, as you will need it in the next step!
Step 5. License Application
Once you have completed your exams and fingerprinting, 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 $100, and NIPR will charge a $5 transaction fee for a total of $105. If you wish to add lines of authority to your license at a later date, there is an amendment fee of $25.
Fill out and submit your online application on the NIPR Delaware website.
After submitting your application, you should receive an email requesting your background check information and exam report. The state should already have your background check, but you will need to send them a copy of your exam report.
Step 6. 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 quickly. 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.
The background check normally takes about two (2) weeks to be completed, and your license will be approved (or held) once the state has reviewed these results.
Once everything is completed, you will receive another email with confirmation that your license has been issued. This email will not have your license number in it, so you will need to look it up with the State Based Systems Licensee Lookup Tool.
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 Licensing, What's Next?
Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.
Delaware Department Of Insurance Contact Information
Delaware Department of Insurance
The Nemours Building
1007 Orange Street, Suite 1010
Wilmington, Delaware 19801
Phone: (302) 674-7390
Fax: (302) 736-7906
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in March 2020 .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. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.