Your Guide to Getting An Insurance Agent License

Thinking about a career in insurance? Getting your insurance agent license is the first big step. Whether you want to help families plan for the future or guide clients through Medicare plan options, this guide breaks down what you need to know.

At Midwestern Marketing (MWM), we’ve worked with thousands of agents nationwide and helped them grow their insurance agency from day one. You can trust us to keep it simple and get you licensed faster.

What Is an Insurance Agent License?

Your insurance agent license, also called an insurance producer license, is your official permission to sell insurance products. It’s required in every state and proves that you understand the insurance laws, ethics, and products you’ll be working with. Without it, you can’t legally help clients with insurance.

Each home state has its own Department of Insurance. These departments decide the rules for getting and keeping your license. Some states have extra steps, so it’s important to follow your state’s specific application process.

You may also need a non-resident license if you plan to sell in other states. Check National Insurance Producer Registry (NIPR) for up-to-date rules and requirements from your state government.

Types of Insurance Licenses Agents Can Get

Before getting your insurance agent license, think about what kind of insurance you want to sell. Here are the most common types:

• Life Insurance License – For agents who want to help clients with life insurance policies.
• Health Insurance License – Covers medical, dental, and vision plans, including ACA plans.
• Property & Casualty License – If you’re interested in selling auto, home, business, or other personal lines of insurance
• Medicare-Related Licenses – These usually fall under the health license but require extra training, especially for Medicare Advantage or Part D plans.

Each license type and line of authority has its own test, so make sure you study for the right one.

How to Get Licensed in Your State

Ready to start? Here’s how to get your insurance agent license step by step:

1. Complete Pre-Licensing Education Most states require a certain number of training hours from a pre-licensing course. These can be done online or in a classroom. Choose an education provider that is approved by your state.
2. Pass a Background Check You’ll need to get fingerprinting done and go through a background screening. This step helps protect the public and keeps the insurance industry professional.
3. Schedule Your Insurance Exam Once you finish your training, schedule your exam with your state’s approved testing vendor. Choose a date and location that works for you.
4. Prepare for Test Day Bring two forms of ID, your exam confirmation, and anything else required by the testing center. Get there early, try to stay calm, and trust your training.

Tips for Passing the Insurance Licensing Exam

The state exam can feel tough, but with the right prep, you’ve got this. Here’s how to boost your chances:

• Study Regularly – Don’t cram. Set a schedule and stick to it.
• Use Prep Tools – Flashcards, online quizzes, and test simulators help you get familiar with the format.
• Understand, Don’t Memorize – Make sure you understand key terms and how they apply.
• Practice Like It’s the Real Thing – Time yourself and practice in a quiet place.
• Rest Before the Exam – Don’t study all night. A fresh mind helps more than last-minute cramming.

What to Do After You Pass the Exam

Congrats! You’ve passed the test—but you’re not licensed just yet. Here’s what to do next:

• Apply for Your License – Submit your license application through your state’s Department of Insurance website. There may be a licensing fee.
• Get Appointed With Carriers – Insurance companies must approve you to sell their products. This is called getting “appointed.”
• Meet Continuing Education (CE) Licensing Requirements – Most states require CE hours every few years. Stay on top of these so you don’t fall behind.

Common Licensing Mistakes to Avoid

Even the best licensee can slip up. Here’s what to watch for:

• Letting Your License Lapse – Set calendar reminders and license renewal.
• Missing CE Deadlines – Track your education requirements early to avoid a last-minute rush.
• Selling Without Proper Authority – Always wait until you’re officially licensed and appointed. Selling without approval can lead to big fines.

Getting your insurance agent license is just the beginning—but it’s a big one. With the right support, you can launch a career that helps people and builds long-term success. At Midwestern Marketing, we support new agents every step of the way. From training and licensing to sales strategies and carrier relationships, we’re here to help you grow.

Ready to start your journey? Let’s talk. Contact our team today to get started.

Midwestern Marketing is a true FMO where a handshake still means something. We value our agents and take service and contracting to a new level. The teamwork and principles by which we operate are reflected in the thousands of agents we serve nationwide. Feel free to call 877-278-3775 or email us at info@midwesternmarketing.com. We are certain we can help you grow your business!