How To Become An Insurance Agent In Pennsylvania

Written by: Ethan Peyton

    Getting your Pennsylvania insurance license is the first step to becoming an insurance agent in Pennsylvania. 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 Pennsylvania Department of Insurance has a 6-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 Pennsylvania insurance exam, and beyond.

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

     

    How To Get Your Pennsylvania Insurance License

    Getting your insurance license in Pennsylvania 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 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: Pennsylvania 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 2. Pennsylvania 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.

    Recommended Course

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

     

    Step 3. Pennsylvania 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, 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.

    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.

    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. Pennsylvania Insurance 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 $22.60.

    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.

     

    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 Pennsylvania Insurance License

    Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Pennsylvania. 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:




    Pennsylvania Department Of Insurance Contact Information

    Mailing Address:

    Pennsylvania Insurance Department
    1326 Strawberry Square
    Harrisburg, Pennsylvania 17120

    Phone: (717) 787-3840

    Fax: (717) 783-9326

    Email: [email protected]

    Website: https://www.insurance.pa.gov/Licensees/Pages/default.aspx

    License Search: Pennsylvania Insurance License Search and Lookup

     

    Pennsylvania Insurance License FAQ

    How long is the insurance license period in Pennsylvania?

    One to Two years. Learn more here: Pennsylvania Insurance License Renewal

     

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

    2-8 weeks. The bulk of the time is spent studying for your Pennsylvania 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 Pennsylvania 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 $53 for each subsequent attempt.

     

    How do I get a life insurance license in Pennsylvania?

    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 Pennsylvania?

    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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