How to Get Your Oregon Insurance Producer License

Getting your Oregon insurance producer license opens the door to one of the Pacific Northwest's most dynamic insurance markets. The Oregon Division of Financial Regulation (DFR) — part of the Department of Consumer and Business Services — has a clear licensing process. Understanding each step helps you navigate from beginner to licensed producer efficiently.

Here's exactly how to get your Oregon insurance producer license.

Step 1: Meet the Basic Eligibility Requirements

Before starting, confirm you meet Oregon's baseline requirements:

You must be at least 18 years old

You must be an Oregon resident, or have your principal place of business in Oregon (for resident license)

You must be able to pass a fingerprint-based criminal background check

You must truthfully complete the license application and disclose any relevant history

If you don't have a Social Security number, you can use your Individual Taxpayer Identification Number (ITIN) instead.

Step 2: Complete Prelicense Education (PLE)

Oregon does require prelicense education for most license types. The specific hour requirements depend on the line of authority:

Per individual line of authority:

Life Insurance: 20 hours

Health Insurance: 20 hours

Property Insurance: 20 hours

Casualty Insurance: 20 hours

Personal Lines: 20 hours

For combined licenses:

Life and Health combined: 40 hours total

Property and Casualty combined: 40 hours total

This is governed under OAR 836-071-0180. Prelicense courses must be completed through an Oregon-approved provider and cover basic insurance principles, producer duties and responsibilities, and Oregon-specific laws.

You'll need to:

Read each lesson and pass the end-of-chapter quizzes (70%+ on each)

Spend the required total hours in the course materials (time is tracked)

Pass the final certificate exam with a minimum 70% score

Receive a certificate of completion to present at the state exam

Step 3: Schedule Your State Exam Through PSI

Oregon's insurance licensing exams are administered by PSI (psiexams.com). After completing prelicense education:

Register through PSI's website

Schedule at an Oregon test center or choose online remote-proctored testing

Pay the exam fee at registration

Bring two valid forms of ID on test day (one government-issued with photo)

Bring your prelicense Certificate of Completion

Oregon offers both physical test centers and online testing — you select which environment you want during signup.

Oregon Exam Structure

Oregon offers these specific exams:

(Property and casualty exams have similar structures.)

Passing score: 70% on each exam.

You must submit your license application within 12 months of passing the prelicense exam, or you'll need to retake your prelicense course.

Step 4: Complete Fingerprinting and Background Check

Oregon requires fingerprint-based criminal background checks for all unlicensed applicants. Oregon offers two fingerprinting options:

Option 1: PSI Test Sites. Schedule an appointment at an Oregon PSI testing center. Walk-ins are welcome at most locations. Indicate the prints are for "Insurance licensing."

Option 2: Fieldprint Oregon. Schedule online at FieldprintOregon.com using the code FPORDeptConsumerBusServDAS.

Important notes:

Fingerprints must be specifically taken for Oregon insurance licensing — prints from past purposes or other employers cannot be used

Get fingerprinted as part of your application process

For questions about fingerprinting, contact Oregon Producer Licensing at:

Phone: (503) 947-7981

Email: web.insagent@oregon.gov

Step 5: Submit Your License Application

Oregon license applications are submitted through the National Insurance Producer Registry (NIPR) at nipr.com.

Your application includes:

Confirmation of exam completion (reported electronically by PSI)

Background check authorization

Disclosure of any criminal history, regulatory actions, or bankruptcies

Application fee payment

Answer all disclosure questions honestly. Oregon cross-references your application against background check results — omissions create serious problems.

Step 6: DFR Reviews and Issues Your License

Once Oregon DFR has your complete application, exam results, and background check, they review everything together. Processing times vary based on application complexity:

Clean applications: typically 1-3 weeks

Applications requiring additional review: 3-6 weeks or longer

You'll receive notification when your license is issued.

Step 7: Get Appointed by Insurance Carriers

Your Oregon producer license authorizes you to be licensed, but you need appointments with insurance carriers before you can sell their products. The business entity (agency) must file an Affiliation of Producer within 30 days of hire. Most carriers handle the appointment process once you've contracted with them.

Total Timeline

From starting your prelicense education to holding your active license, most Oregon candidates finish in 4 to 10 weeks. Moving promptly through each step keeps you on the faster end.

Special Path: Moving to Oregon From Another State

If you're already licensed as an insurance producer in another state and you move to Oregon:

Surrender your resident license in your previous home state (or convert it to non-resident)

Apply for the Oregon resident license through nipr.com within 90 days of establishing Oregon residency

No exam or prelicense training required for the lines you held in your previous home state

Complete fingerprinting through PSI or Fieldprint Oregon

This is a significantly streamlined path for already-licensed producers relocating to Oregon.

Special Path: Military Spouses

If you're the spouse of a U.S. Armed Forces member duty-stationed in Oregon and you hold a current insurance license in another state, Oregon may issue you a temporary license. Contact the Division at (503) 378-4140 for details.

Oregon License Lines of Authority

Common Oregon insurance producer license types include:

Life — life insurance products

Health — health, disability, long-term care

Life and Health combined

Property — property insurance coverage

Casualty — liability and related coverage

Property and Casualty combined

Personal Lines — limited P&C for personal (non-commercial) insurance

Crop Insurance (specialty line under OAR 836-071-0113)

Adding additional lines to an existing license requires a new application and fees, but no additional background check is needed once a license is active.

5 Frequently Asked Questions

• Do I need a college degree to get an Oregon insurance license? No. Oregon doesn't require a degree. You need to complete prelicense education, pass the state exam, and clear the background check.
• How long does Oregon prelicense education take? 20 hours per individual line of authority, or 40 hours for combined Life and Health or Property and Casualty licenses.
• Can I take the Oregon exam online? Yes. Oregon offers online remote-proctored testing through PSI as an alternative to physical test centers.
• What happens if I move to Oregon with an existing insurance license from another state? Apply for an Oregon resident license through nipr.com within 90 days of establishing residency. You won't need to take the exam or complete prelicense if you held the same lines in your previous state.
• How long is my Oregon insurance license valid? Oregon producer licenses renew every 2 years on a biennial cycle. Specific renewal dates are tied to your license issuance.

Start Your Oregon Insurance Career Right

Oregon's licensing process rewards candidates who take each step seriously. At JustInsurance, our Oregon prelicense course covers the required hours and exam content — including Oregon-specific laws — to prepare you for both the licensing exam and the actual work of being an Oregon producer.

Enroll today and take your first step toward an Oregon insurance producer license.