Getting your Utah insurance license is the first step to becoming an insurance agent in the state. 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 Utah Insurance Department has a 6-step process on how to become an insurance agent in Utah. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Utah insurance exam, and beyond.
This guide has everything you need to know to get your UT insurance license quickly and easily.
Recommended: Interested in getting started? We recommend using Kaplan’s online study packages, which come with a 93% pass rate.
Utah Insurance License
Getting your insurance license in Utah 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:
- Property and Casualty Insurance License – Auto Insurance, Home Insurance, Business Insurance, etc…
- Life and Health Insurance License – Life Insurance, Annuities, Medicare, Health Insurance, etc…
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: Utah 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. Utah Insurance Pre-Exam Education
After you’ve determined which licenses you need, it’s time to begin studying for the Utah insurance exams.
Utah does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.
Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.
It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.
Recommended Course
Over 81% of our readers use Kaplan’s online courses — which come with a 93% pass rate — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
Step 3. Utah Insurance License Exam
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 combined line of insurance you wish to carry.
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 exams is as follows:
- Life & Accident & Health: $44
- Property & Casualty: $44
- Life: $32
- Accident and Health: $32
- Property: $32
- Casualty: $32
When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.
The minimum score to pass each test is 70% correct answers.
For much more information on the exams, reference the Prometric Exams Utah Insurance Examinations Candidate Information Bulletin.
Prometric provides content outlines for each exam. Be sure to study them before you attempt the test:
- Utah Life Insurance Exam Content Outline
- Utah Accident and Health Insurance License Exam Content Outline
- Utah Life, Accident and Health Insurance License Exam Content Outline
- Utah Property and Casualty Insurance License Exam Content Outline
- Utah Property Insurance License Exam Content Outline
- Utah Casualty Insurance License Exam Content Outline
Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.
Looking for a guide to passing the insurance exam in Utah? Check out our Utah Insurance License Exam article.
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.
You may register to take your exams on the Prometric Exams Utah Insurance page.
Tip
When registering for exams with the Prometric test center, be sure to ask them about fingerprinting, as this is part of your next step.
Step 4. Utah Insurance License Application
Immediately after passing the exam, you can now apply for your license.
We highly recommend that you use the kiosk at the test center to submit your license application via Sircon. The license application will include an FBI/BCI fingerprint fee of $28.25 ($13.25 FBI/$15.00 BCI).
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 $75. If you wish to add a line of authority to your license at a later date, there is a $25 amendment fee.
Step 5. Fingerprinting And Background Check
The State of Utah 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 Department of Insurance at (801) 538-3855 or email the Insurance Department.
After completing your license application online, print out your Sircon confirmation page that you will need for showing to the test center supervisor as proof you have paid the FBI/BCI fees in order to be fingerprinted.
The total cost of fingerprinting is $34.25. This covers the $28.25 FBI/BCI fee plus the $6 Prometric fingerprinting processing fee. When completed, the documents will be automatically forwarded to the licensing department.
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 initiated by the application 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.
After submitting your application, the review process should take between five and ten (5-10) business days. After it is complete, you will receive an email from the licensing department with verification that your license has been issued.
Use the Sircon License Printing page to print a copy of your license.
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 Utah Insurance License
Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Utah. 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:
- Get a job in the insurance field. Check out StateRequirement’s Insurance Jobs board
- If you’re going to sell advanced life insurance products, you’ll need to have the proper securities licenses. Series 6, Series 7, and Series 63 are the most common among insurance agents, but you’ll need to begin with the SIE (Securities Industry Essentials) exam. Find out which licenses you need with our Securities Licensing Guide
- Every two years, you’ll need to renew your insurance license. Check out our guides on Utah Insurance License Renewal and Utah Insurance Continuing Education for more details
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
Utah Insurance License FAQ
How long is the insurance license period in Utah?
In Utah, an individual with an existing license is required to renew credentials for two years. Whether you’re a resident producer or a non-resident producer, you must also comply with CE requirements as part of the renewal process. Learn how to get an insurance license renewal here: Utah Insurance License Renewal.
How long does it take to get an insurance license in Utah?
2-8 weeks. The bulk of the time is spent studying for your Utah 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 Utah insurance license cost?
The Utah insurance license cost varies, involving fees for your insurance course, online license application process, and licensing exam fees. The cost may amount to $375 or more. If an exam appointment candidate fails and needs to retake the licensing exam, an additional $44 is required for each subsequent attempt.
How do I get a life insurance license in Utah?
To obtain a life insurance license in Utah, you must complete the required pre-licensing education, proceed to exam registration, and undergo a fingerprint-based background check. Finally, you can now apply for your license online through the state’s licensing portal. Make sure that you submit all necessary documentation and pay the necessary fees.
How do I get a property and casualty license in Utah?
To become a licensed property and casualty agent in Utah, you must complete a pre-licensing course, pass the state exam, and submit the license application prior to the expiration of your exam results. Make sure that all of the required documents and fees are properly submitted to the Utah Insurance Department for approval and issuance of your license.
Do I need business insurance in Utah?
While business insurance in Utah is not mandatory, it is highly recommended for most businesses. Getting a Utah business insurance can protect your business from various risks, such as lawsuits, property damage, cyberattacks, and lost income. There are various types of business insurance, but the most common ones include general liability insurance and workers’ compensation insurance.