How To Become An Insurance Agent In Illinois
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?
How To Get Your Insurance License In Illinois
1. Pre-License Education
The first step in getting an Illinois insurance license is taking pre-license education courses. These are state required courses pertaining to the subject matter that will be on the license exam. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain.
Each line of authority in Illinois requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, & Health you must also take forty (40) hours. You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
Illinois is unique in that seven and one half (7.5) of those pre-license education hours must be in a physical classroom setting. The rest can either be in person or online. 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.
2. Insurance License Exams
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 Illinois 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. Illinois 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. If you pass one part on an exam, you have ninety (90) days to pass the other part of 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 $103 for each "back to back producer exam" (P&C and LA&H). When you show up you must have two (2) forms of ID, including 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.
You must score a "70" on each exam to pass. More information about testing and scoring in the Pearson Vue Illinois Insurance Licensing Candidate Handbook.
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 Illinois website.
3. 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.
You must wait five (5) days after passing your test to apply for your license.
The fee for an online application is $180 plus a $5 service fee for a total of $185. When adding lines of authority to your license, you will only pay the $5 service fee, not the full $185 each time.
Fill out your online application on the NIPR Illinois web page.
4. 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 from the application 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 Illinois Insurance License Office at 217-782-4515.
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 April 2019.
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.
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