How To Become An Insurance Agent In Pennsylvania
Getting your insurance license is the first step to becoming an insurance agent in Pennsylvania. 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 Pennsylvania.
How To Get Your Insurance License In Pennsylvania
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-License Education
After you’ve determined which licenses you need, you must now take your Pennsylvania 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.
Pennsylvania combines all of its pre-license education into one twenty-four (24) hour requirement. This means that you will take the same amount of coursework whether you’re getting just your Life Insurance License, or if you plan on getting Life, Accident, and Health and the Property and Casualty License.
You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
Pennsylvania requires that three (3) of those pre-license education hours must be in ethics.
Step 3. Pennsylvania 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, and Health (LA&H) and Property and Casualty (P&C) are combined into two exams.
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 $53.
The Pennsylvania Life, Accident, and Health test is one hundred fifty (150) questions long, and you have one hundred seventy (170) minutes to complete the exam. PSI Exams offers this Life, Accident, and Health Exam Content Outline.
The Pennsylvania Property and Casualty test is also one hundred fifty (150) questions long, and you have one hundred seventy (170) minutes to complete the exam. PSI Exams offers this Property and Casualty Exam Content Outline.
The minimum score to pass these exams is 70%. For more information, check out the PSI Pennsylvania Licensing Examination Candidate Information 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.
Along with testing, you will also need to have your fingerprints taken. You will set this appointment up with PSI Exams on the same day that you take your exams. There is a $23.85 fee for fingerprinting services.
You may register to take your exams and fingerprints on the PSI Exams Pennsylvania website.
Step 4. 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 $55, and $25 for any amendments (like adding a line of authority). This means that if you pass your exam for one line, then apply for the license, it will be $55, but adding another line in the future will cost an extra $25. If you were to pass both exams prior to applying for the license, you would essentially save yourself the $25 amendment fee.
Note: Even though you may save $25 by applying for the licenses all at once, StateRequirement still recommends that you study and test for one line at a time. It is much easier to pass the exams this way, and one failed attempt will outweigh the cost of the amendment fee.
Fill out your online application on the Sircon Pennsylvania web page.
Step 5. Fingerprinting and Background Check
Pennsylvania requires that all insurance license applicants 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.
Schedule to have your fingerprints taken with IdentoGo. You may also schedule your appointment by phone at 855-321-2101.
The Pennsylvania insurance fingerprint code is 1KG8Q3.
The fee for fingerprinting services is $23.95.
Note: Any fingerprint results received without a corresponding license application will be destroyed, and individuals will be required to repay the fingerprinting fee and resubmit their fingerprints at an IdentoGO center.
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 after your fingerprints return from the FBI, plus three (3) business 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.
Once the state accepts your license, you should receive an email from the licensing department informing you of the license approval.
You may look your license up yourself in the Sircon Pennsylvania License 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.
Pennsylvania Department Of Insurance Contact Information
Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
Phone: (717) 787-3840
Fax: (717) 783-9326
Information on this page has been gathered by a multitude of sources and was most recently updated in October 2019.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.