Get Your Tennessee Insurance License Online

Getting your Tennessee insurance license involves four steps. First, prepare for your exam — Tennessee does not require a formal prelicensing course, though most candidates strongly recommend taking one. Second, pass the Tennessee state licensing exam administered by Pearson VUE — you need a score of at least 70% to pass. Third, complete a background check, including fingerprinting. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Tennessee Department of Commerce and Insurance application fee of $50. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Tennessee that get you to exam day confident and prepared.

The total cost to get your Tennessee insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the Pearson VUE exam fee is $59, the Tennessee Department of Commerce and Insurance application fee is $50, and a background check adds a small additional cost. If you need a prelicensing course, JustInsurance's Tennessee combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Tennessee insurance licensing process in 2-4 weeks. That timeframe covers scheduling and passing the Pearson VUE state exam, clearing your background check, and waiting for the Tennessee Department of Commerce and Insurance to process your application. The Pearson VUE exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Tennessee exam is administered by Pearson VUE and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after a 10-day waiting period following your first failure, or a 30-day waiting period following each subsequent failure. There is no hard cap on retakes, but if you have not passed within 6 months of your first attempt, you must retake your pre-licensing education before testing again. See our full pass rate methodology at /pass-rates.

Insurance agents in Tennessee earn an average of $65,130 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $31,860 in their first year while building a client base, and top producers in Tennessee can earn $104,440 or more annually. Demand for new insurance producers remains steady in Tennessee. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

No. Tennessee does not offer a combined Life & Health insurance exam. You must pass separate exams for Life and for Accident & Health with Pearson VUE. No prelicensing education is required for either exam. Tennessee has reciprocity agreements with all other states, making it a popular choice for agents who want to expand their geographic market after getting licensed. Fingerprinting is required through IdentoGO as part of the background check.