How To Become An Insurance Agent In Delaware
What Kind Of Agent Are You Going To Be?
A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:
- What type of insurance am I going to sell?
- Am I starting my own agency, or working inside of an existing agency?
- It may depend on how your agency is set up to tell you what type of licenses you need to hold.
- What types of licenses does my company require me to hold?
Answering these questions should give you tell you the types of insurance licenses you need. If you are still unsure of which lines to pursue, you can always ask the folks in the state licensing office at 302-674-7390 or email the Insurance Department.
How To Get Your Insurance License In Delaware
The first step in getting an Delaware insurance license is passing your license exam. So why do we say the first step is pre-license education? The answer is simple. We want you to pass your test the first time you take it. These courses or study materials are not a required step in getting your insurance license in Delaware, but they are highly recommended.
Most applicants choose to take these courses online, as it fits their schedule better, but there are also in person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.
StateRequirement recommends Kaplan Education Company for all pre-license education courses.
Delaware does not keep a list of approved pre-license education providers, so visit the State Based Systems Delaware Education Search Tool, and contact them asking if they have any pre-license solutions.
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 the fingerprinting is $65. When completed, they will send the results directly to the Insurance Department.
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, that 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:
When candidates complete the examination, they will receive a score report marked “pass” or “fail.” Candidates who pass the examination will receive a score report that includes information on how to apply for a license.
Candidates who fail the examination will receive a score report that includes a diagnostic score report. The Producer examinations consist of two portions: content and statutes and regulations. Major Line Producer candidates are required to retake only the portion of the examination they failed. However, a candidate must pass the failed portion within one (1) year of passing the first portion in order to pass the entire examination. If the candidate does not pass both portions within one (1) year, he/she must retake the entire examination."
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!
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.
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.
Information on this page has been gathered by a multitude of sources, and was most recently updated in August 2017.
Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC 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.