Frequently Asked Questions

The process has four main steps: (1) Complete a state-approved prelicensing education course for your line of authority — Life, Health, or Life & Health. (2) Pass the state insurance licensing exam at an approved test center or online. (3) Submit a license application through NIPR or your state's producer portal and pay the application fee. (4) Complete any background check or fingerprinting required by your state. Most agents go from enrollment to license in 4 to 8 weeks.

No. Most states allow you to obtain an insurance producer license without an employer sponsor. You can complete your prelicensing course, pass the exam, and apply for your license entirely on your own. Some states do require a sponsoring company to activate certain license types, but the majority do not require one to get initially licensed.

Most applicants complete the process in 4 to 8 weeks. The prelicensing course typically takes 1 to 3 weeks of self-paced study. Scheduling the exam usually takes a few days to a week. Application processing by your state's DOI typically takes 1 to 4 weeks. Some states issue licenses in as little as 1 to 3 business days after a completed application.

Total costs vary by state but typically range from $150 to $400. The main expenses are: prelicensing course ($69–$199 depending on the state and line of authority), exam fee ($40–$70), state license application fee ($30–$150), and background check/fingerprinting if required ($10–$50). JustInsurance provides an exact cost breakdown on each state's page.

Yes. Once you are licensed in your home state, you can apply for non-resident licenses in other states through a process called reciprocity. Most states participate in the NIPR reciprocal licensing system, which allows you to apply online without retaking the exam or completing additional prelicensing education. Non-resident application fees are typically $30 to $100 per state.

Prelicensing courses start at $69 for single-line (Life or Health) and $99 for combined Life & Health — prices vary by state. CE packages start at $39. All courses are one-time purchases with no subscription or hidden fees. Volume discounts are available for agencies enrolling multiple agents.

Prelicensing courses include 60 to 90 days of access from enrollment, depending on your state. CE courses are available until you complete them. If you need additional time, contact JustInsurance support and we will work with you. Most students complete their prelicensing course in 1 to 3 weeks.

Every JustInsurance prelicensing course includes: full state-approved course content organized by exam topic, chapter quizzes and practice tests, full-length practice exams that mirror the state exam format, a final exam to earn your completion certificate, and access to live instructor Q&A sessions. CE packages include all required topic courses and the mandatory ethics course.

Yes. If you complete the full JustInsurance prelicensing course — including all required practice exams — and do not pass your state licensing exam on the first attempt, we will refund your course fee in full. This guarantee reflects our confidence in the quality of our course content and your preparation.

Yes. All JustInsurance courses are 100% online and self-paced. You can study from any device — laptop, tablet, or phone — and pick up exactly where you left off. There are no scheduled class times, no in-person requirements, and no commuting. Live Q&A sessions are optional and held via video call.

Most states require 24 CE hours per 2-year renewal cycle. Exceptions include Arizona (48 hours / 4 years), Massachusetts (45 hours / 3 years), Iowa (36 hours / 3 years), Ohio (24 hours / 3 years), Wyoming (24 hours / 3 years), and South Dakota (10 hours / 1 year). Your state's requirement is shown on the /license-renewal-guide page.

Yes. JustInsurance is a state-approved CE provider in all 50 states we serve. Completions are reported directly to your state's Department of Insurance — typically the same business day. You do not need to submit transcripts or paperwork yourself.

If you miss your renewal deadline, your license may be suspended or lapsed. Getting relicensed typically requires completing CE, paying late fees, and in some cases retaking the licensing exam. The safest approach is to complete CE at least 30 days before your license expiration date to allow time for reporting and processing.

CE completions are tied to your renewal cycle. Credits completed before your previous renewal generally cannot be carried forward to the next cycle — they must be earned fresh each renewal period. Check your state's rules if you completed CE courses early and want to understand how they apply to your upcoming renewal.

Yes, in nearly every state. Ethics is a mandatory CE component, typically 3 hours, that cannot be substituted with general CE electives. JustInsurance includes the state-approved ethics course in every CE package so you are automatically covered.

Insurance licensing exams are administered by two main vendors: Pearson VUE and PSI. Which one applies to you depends on your state. Both offer in-person test centers and online proctored options. Your state's candidate handbook will specify the exam provider and link to the scheduling portal.

The exam is multiple choice with 100 to 150 questions, a 2 to 3 hour time limit, and a passing score of 70% (75% in some states). You will not know which specific questions appeared in your score until results are posted — the exam is adaptive in some states. Results are provided immediately after completion.

Most states allow unlimited retakes within a 12-month period, with a waiting period of 24 hours to 14 days between attempts. A few states limit the total number of attempts before requiring additional steps, such as retaking a prelicensing course. Your score report will specify the retake waiting period.

Yes, in most states. Pearson VUE offers online proctored testing through OnVUE, and PSI offers online testing through PSI Bridge. Online exams require a webcam, microphone, a clean and private test environment, and a stable internet connection. Some states still require in-person testing — check with your state's exam provider before scheduling.

Bring a valid government-issued photo ID (driver's license or passport) and your exam scheduling confirmation. Leave all study materials, notes, phones, smartwatches, and electronic devices in your car or at home — they are not permitted in the testing room. Arrive 15 to 30 minutes early. For online exams, complete the check-in process 10 to 15 minutes before your start time.