October 20, 2022

Utah Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Utah Insurance License Exam document

    Passing your Utah insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Utah.

    In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Utah insurance licensing exam, and on what to do after you pass.

     

    Utah Insurance Exam Basics

    General Information

    The state of Utah uses Prometric to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Prometric website. Your test can be carried out online or in person.

    Each major insurance line examination is made up of multiple-choice questions and includes both general and state-specific material.

    The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Utah insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Score Explanation

    After you complete your exam, you will receive a score report via email.

    This will include your overall score, the numerical percentage of questions that you answered correctly, and whether you passed or failed.

    Your score report will also outline how well you did in each individual section of the exam.

    Note: A score of 70% or higher is needed in order to pass an insurance license exam in Utah.

     

    Cost

    Your Utah insurance license exam cost will depend on the type and number of examinations that you take:

    Examination

    Cost 

    Time Allowed

    Life Producer

    $32

    120 Minutes

    Accident and Health Producer

    $32

    120 Minutes

    Property Producer

    $32

    120 Minutes

    Casualty Producer

    $32

    120 Minutes

    Producer’s Combined Life, Accident and Health Exam

    $44

    150 Minutes

    Producer’s Combined Property and Casualty Exam

    $44

    150 Minutes

    Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is not a requirement in the state of Utah, but it can go a long way in helping you get accustomed to the information that you will be expected to know.
    4.7 out of 5 starsKaplan Education Company

     

    Utah Life and Health Insurance Exam

    Below you can find the content outline offered by Prometric.

    We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

    Life, Accident and Health General Knowledge Content Outline

    150 Questions

    I. Insurance Regulation

    1. Licensing
    2. State regulation
    3. Federal regulation

     

    II. General Insurance

    1. Concepts
    2. Insurers
    3. Producers and general rules of agency
    4. Contracts

     

    III. Life Insurance Basics

    1. Insurable interest
    2. Personal uses of life insurance
    3. Life settlements (including stranger originated life insurance)
    4. Determining amount of personal life insurance
    5. Business uses of life insurance
    6. Classes of life insurance policies
    7. Premiums
    8. Licensee responsibilities
    9. Individual underwriting by the insurer

     

    IV. Life Insurance Policies

    1. Term life insurance
    2. Whole life insurance
    3. Flexible premium policies
    4. Specialized policies
    5. Group life insurance

     

    V. Life Insurance Policy Provisions, Options, and Riders

    1. Standard provisions
    2. Beneficiaries
    3. Settlement options
    4. Nonforfeiture options
    5. Policy loan and withdrawal options
    6. Dividend options
    7. Disability riders
    8. Accelerated (living) benefit provision/rider 
    9. Riders covering additional insureds
    10. Riders affecting the death benefit amount

     

    VI. Annuities

    1. Annuity principles and concepts
    2. Immediate versus deferred annuities
    3. Annuity (benefit) payment options
    4. Annuity products
    5. Uses of annuities

     

    VII. Federal Tax Considerations for Life Insurance and Annuities

    1. Taxation of personal life insurance
    2. Modified endowment contracts (MECs)
    3. Taxation of non-qualified annuities 
    4. Taxation of individual retirement annuities (IRAs) 
    5. Rollovers and transfers (IRAs and qualified plans)
    6. Section 1035 exchanges

     

    VIII. Qualified Plans

    1. General requirements
    2. Federal tax considerations
    3. Plan types, characteristics, and purchasers

     

    IX. Accident and Health Insurance Basics

    1. Definitions of perils
    2. Principal types of losses and benefits
    3. Classes of health insurance policies
    4. Limited policies 
    5. Common exclusions from coverage 
    6. Licensee responsibilities in individual health insurance
    7. Individual underwriting by the insurer
    8. Considerations in replacing accident and health insurance
    9. Other required, uniform, and general provisions

     

    X. Disability Income and Related Insurance

    1. Qualifying for disability benefits
    2. Individual disability income insurance
    3. Unique aspects of individual disability underwriting
    4. Group disability income insurance
    5. Social Security disability

     

    XI. Medical Plans

    1. Medical plan concepts
    2. Types of providers and plans
    3. Cost containment in health care delivery
    4. tah requirements (individual and group)
    5. HIPAA (Health Insurance Portability and Accountability Act) requirements
    6. Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)
    7. HIPUtah
    8. Uniform health benefit plan information card 
    9. Federal HealthCare Reform (Patient Protection and Affordable Care Act)

     

    XII. Group Accident and Health Insurance

    1. Characteristics of group insurance 
    2. Types of eligible groups
    3. Marketing considerations
    4. Employer group health insurance
    5. Small employer medical plans
    6. Regulation of employer group insurance plans
    7. Types of funding and administration

     

    XIII. Dental Insurance

    1. Categories of dental treatment
    2. Indemnity plans
    3. Employer group dental expense

     

    XIV. Medicare

    1. Medicare standard policies
    2. Medicare supplement
    3. Other options for individuals with Medicare
    4. Medicare Improvements for Patients and Providers Act of 2008 (MIPPA)

     

    XV. Long-Term Care Insurance

    1. Long-term care (LTC) policies

     

    XVI. Federal Tax Considerations for Accident and Health Insurance

    1. Personally-owned health insurance
    2. Employer group health insurance
    3. Medical expense coverage for sole proprietors and partners
    4. Business disability insurance
    5. Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs)

    We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.

     

    Utah Property and Casualty License Exam

    Below you can find the content outline offered by Prometric.

    You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

    Property and Casualty General Knowledge Content Outline

    150 Questions

    I. Insurance Regulation 

    1. Licensing
    2. State regulation
    3. Federal regulation

     

    II. General Insurance

    1. Concepts
    2. Insurers
    3. Producers and general rules of agency
    4. Contracts

     

    III. Property and Casualty Insurance Basics

    1. Principles and concepts
    2. Policy structure
    3. Common policy provisions
    4. Utah laws, regulations, and required provisions

     

    IV. Dwelling Policy 

    1. Characteristics and purpose
    2. Coverage forms — Perils insured against
    3. Property coverages 
    4. General exclusions 
    5. Conditions
    6. Selected endorsements
    7. Personal liability supplement

     

    V. Homeowners Policy

    1. Coverage forms
    2. Definitions
    3. Section I — Property coverages
    4. Section II — Liability coverages
    5. Perils insured against 
    6. Exclusions
    7. Conditions
    8. Selected endorsements

     

    VI. Auto Insurance

    1. Laws
    2. Personal auto policy
    3. Commercial auto

     

    VII. Commercial Package Policy (CPP)

    1. Components of a commercial policy 
    2. Commercial general liability
    3. Commercial property 
    4. Commercial crime
    5. Commercial inland marine
    6. Equipment breakdown
    7. Farm coverage

     

    VIII. Businessowners Policy 

    1. Characteristics and purpose
    2. Businessowners Section I — Property
    3. Businessowners Section II — Liability
    4. Businessowners Section III — Common Policy Conditions
    5. Selected endorsements

     

    IX. Workers Compensation Insurance 

    1. Workers compensation laws
    2. Workers compensation and employers liability insurance policy
    3. Premium computations
    4. Other sources of coverage
    5. Rating organization

     

    X. Other Coverages and Options

    1. Umbrella/excess liability policies
    2. Specialty liability insurance
    3. Surplus lines 
    4. Surety bonds
    5. Aviation insurance
    6. Ocean marine insurance
    7. Other policies

    We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.

     

    How to Pass the Utah Insurance Exam

    Passing your Utah insurance exam ultimately comes down to your mindset and degree of preparation.

    We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

    Get a Pre-License Course

    Even though this is not a requirement in the state of Utah, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

    We recommend Kaplan’s course because it offers a variety of helpful features, including:

    • Online exam simulations
    • Live online training
    • Printable study guides
    • End of chapter reviews

    For more information, we recommend reading our Kaplan Insurance Course Review.

     

    Make Enough Time to Study

    Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

    Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

    We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

     

    Control Test Anxiety

    Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

    • Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
    • Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
    • Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
    • Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

    For a more in-depth overview of how you can prepare for your Utah insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Utah Insurance License

    Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

    You can apply for your license up to 90 days after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application, you are totally free to do that.

    After you have passed your insurance licensing exam, you will need to:

    • Complete a fingerprint and background check
    • Complete and submit your license application
    • Wait for your application to be reviewed

    Have a look at our How to Become an Insurance Agent in Utah review for more information on all the steps that you will need to take after passing your insurance exam.




    Utah Insurance Exams FAQ

    How often do I have to renew my Utah insurance license?

    You are required to renew your license every two years in order to continue operating as a legitimate insurance agent in Utah.

    For more information, see our guide on How to Renew Your Insurance License in Utah.

     

    How long is the Utah insurance exam?

    This will depend on the exam that you are taking.

    The single-line Life, Accident and Health, Property, and Casualty exams are all 120 minutes long.

    Combined exams (e.g., Property and Casualty, Life, Accident and Health, etc.) are 150 minutes long.

     

    How many times can you take the Utah insurance exam?

    There is no limit on the number of times you can take an insurance license exam in Utah.

     

    How many questions are on the Utah insurance exam?

    This will depend on the exam in question. The Life exam has 100 questions — as does the Accident and Health exam.

    The combined Life, Accident, and Health and Property and Casualty exams are both slightly longer, and consist of 150 questions.

    Utah Insurance Department Contact Information

    Mailing Address:

    4315 S. 2700 W., Suite 2300
    Taylorsville, UT 84129

    Phone: (801) 957-9240

    Fax: (385) 465-6055 

    Email: licensing.uid@utah.gov

    Website: https://insurance.utah.gov/licensee/producers

    License Search: Utah Insurance License Search and Lookup




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    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2022.

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