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If you are interested in selling life insurance, one of the first questions you might have is whether you need a dedicated life insurance license to do so. The short answer? No, not necessarily.
Let’s break down what that means and how to get licensed.
What License Do You Need?
Rather than getting a license strictly for life insurance, most states issue a combined Life and Health Insurance Producer License. This license allows you to sell:
- Term life insurance
- Whole life and universal life insurance
- Final expense and burial policies
- Annuities (in some states, with additional certifications)
- Health insurance and supplemental products
So, while you do not need a dedicated license only for life insurance, you do need to go through the standard licensing process for life and health coverage.
Steps to Getting a Life Insurance License
If you are new to the insurance industry or making a shift into life sales, here is how to get started:
1. Pre-Licensing Education
Most states require 20 to 40 hours of approved pre-licensing education. You can choose in-person classes, online modules, or self-paced courses. Empower Brokerage offers a comprehensive licensing class that walks you through the life and health content in a clear, digestible way. Their platform includes practice exams, study guides, and support from real instructors.
2. Pass the State Exam
Once you complete your pre-licensing hours, you will schedule your state Life and Health Insurance Exam. It is typically a proctored, multiple-choice test that covers life insurance basics, policy types, laws, ethics, and sales practices. A passing score is usually around 70%.
3. Background Check and Fingerprinting
States require fingerprinting and a background check before they issue a license. This step ensures that producers meet the legal and ethical standards to sell financial products.
4. Apply for Your License
Once you pass the exam and background check, you can officially apply for your license through your state Department of Insurance.
5. Get Appointed with Carriers
After licensing, you will need to get appointed with the insurance companies you want to represent. Empower Brokerage helps facilitate this process, especially if you have taken their licensing class.
Why Empower Brokerage?
If you are looking to fast-track your path to a life insurance license, Empower Brokerage’s licensing class is a great option. It is designed to help you pass the test and also to understand the products you will be selling. Plus, Empower offers ongoing training, sales support, and even free leads for qualifying agents — making it an ideal partner for both new and experienced agents.
Did you like this article? Check out this other article on our sister site: Is Medicare Supplement Plan N Right For You?
Agents
We hope that this information on getting a life insurance license was useful to you.
Empower Brokerage is dedicated to helping you make informed decisions about your health and finances. Whether it’s through webinar training, one-on-one calls, seminars, or marketing plans, we want you to be successful!
Give us a call at 888-539-1633 or leave a comment below if you have any questions.
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Vohny Figueroa joined Empower Brokerage in 2023 and came on as the department Videographer. With a strong eye for composition, and a keen eye for detail, Vohny helps the Marketing team create great content.
