How To Become An Insurance Agent In Tennessee
Getting your insurance license is the first step to becoming an insurance agent in Tennessee. 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 Tennessee.
How To Get Your Insurance License In Tennessee
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 Tennessee 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.
Each line of authority in Tennessee 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, and 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.
Step 3. Tennessee 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.
Even though each line has its own exam, Tennessee offers “back to back” exams for Property and Casualty, as well as Life and Health lines. This means that you will take these exams on the same day, and pay only for one test sitting. This will essentially half the cost of your exams if you pass them all on the first attempt.
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 “back to back” exams is $59. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring. You must also bring your pre-license certification. If you don’t have this certification at your testing appointment, you will not be allowed to test and your fee will be forfeited.
Each insurance license test is split into two sections: General Knowledge (50 questions) and State Specific (18 questions). Pearson Vue offers specific content outlines for each of the exams here: Pearson Vue Tennessee Insurance Exam Content Outline
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 Tennessee Insurance page. More information about the insurance exams is provided in the Pearson Vue Tennessee Insurance Licensing Candidate Handbook.
Step 4. Fingerprinting And Background Check
The State of Tennessee 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 Tennessee Department of Insurance at (615) 741-2693 or email the department.
Fingerprinting must be completed through IdentoGo. You will schedule an appointment at one of the locations in Tennessee, and the will electronically record your fingerprint information using LiveScan (as opposed to ink and paper). You also need to provide IdentoGo with this identifying number: ORI TN920680Z
The fee for fingerprint services is $42. Your fingerprints will be submitted automatically to the Tennessee Insurance Department.
Step 5. License Application
After you have completed all of your required pre-licensing education, the next step is to apply for your license. If you have more than one line of authority that you have taken the education for, be sure to apply for all of those lines.
The fee for an online application is $50. This fee covers all the lines you are applying for at the time. If you wish to add lines to your license at a later date, the $50 fee will be charged again. If you wait more than 6 months between adding lines, you will need to have your fingerprints taken again.
Apply for your license online with the NIPR Tennessee website.
Step 6. Application Review
Once you have submitted your application and passed your exams, 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 review should take about ten (10) business days to complete. After the review is completed and your license is issued, the insurance department will mail you a hard copy of your license.
If you wish to look up your license status, you may do so with the State Based Systems License Search 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.
Tennessee Department Of Insurance Contact Information
Tennessee Department of Commerce and Insurance – Insurance Division
500 James Robertson Parkway
Nashville, Tennessee 37243
Phone: (615) 741-2693
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in January 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.