Tennessee License Requirements
Tennessee Insurance License Requirements (2026)
Everything you need to know to get and keep your Tennessee insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Tennessee Insurance License Requirements at a Glance
Key facts for getting and maintaining your Tennessee insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Tennessee |
| Prelicensing Hours (Life) | None required (optional) |
| Prelicensing Hours (Health) | None required (optional) |
| Prelicensing Hours (Life & Health Combined) | None required (optional) |
| Exam Provider | Pearson VUE |
| Exam Fee | $55 |
| Passing Score | 70% |
| Application Fee | $50 |
| Background Check Cost | $37 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Tennessee licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Tennessee Insurance License
Follow these five steps to go from zero to licensed in Tennessee.
Complete Prelicensing Education
Prelicensing education status for Tennessee: None required (optional). Check with the Tennessee Department of Commerce and Insurance for current requirements.
Browse Tennessee Prelicensing Courses →Schedule and Pass the State Exam
The Tennessee insurance licensing exam is administered by Pearson VUE. The exam fee is $55, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Fingerprinting required through IdentoGO
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $50. Processing typically takes 10 business days.
Apply for Your Tennessee License →Get Appointed and Start Selling
Once your Tennessee insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Tennessee Department of Commerce and Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Tennessee Fingerprinting Requirements
Fingerprinting required through IdentoGO
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Tennessee CE Renewal Requirements
To keep your Tennessee insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Tennessee licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
TDCI
Regulatory Body
Tennessee Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Tennessee.
Insurance Code
Tennessee Code Annotated, Title 56 – InsuranceView Statute
Prelicensing Education
Formerly T.C.A. § 56-6-106; Tenn. Comp. R. & Regs. 0780-01-56-.06 — ELIMINATED (2023 Tenn. Acts, ch. 57, eff. 3/21/2023)
Examination Requirements
Tenn. Code Ann. 56-6-105(a)
Age Requirements
Tenn. Code § 56-6-105(a)(2)
Background Check
TCA Sec. 56-1-107; Rule 0780-01-56-.07(7)
Fingerprinting
T.C.A. § 56-1-107 + Tenn. Comp. R. & Regs. 0780-01-56-.07(7)
License Application
Tenn. Code Ann. § 56-6-106(a)
CE Requirements
Tenn. Code Ann. 56-6-107
CE Ethics
T.C.A. §56-6-121; Tenn. Regs. 0780-01-56
Administrative Code
Title 0780, Chapter 0780-01 - Insurance DivisionView Statute
Provider Regulation
Tennessee Compilation Rules & Regulations 0780-01-56
Tennessee Insurance License Requirements — FAQs
How long does it take to get a Tennessee insurance license?
Most candidates complete the Tennessee insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Tennessee?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Tennessee?
Fingerprinting required through IdentoGO
Can I transfer my insurance license from another state to Tennessee?
Reciprocal licensing is available for producers licensed in good standing in their home state. Tennessee has reciprocity agreements with all other states.
How much does a Tennessee insurance license cost?
The total cost to get your Tennessee insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($55), the state application fee ($50), and the background check cost ($37). Individual costs vary based on the line of authority you choose.
What are the Tennessee CE requirements?
Tennessee requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Tennessee licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does Tennessee have a combined Life and Health insurance exam?
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.
What are the prelicensing hour requirements in Tennessee?
Tennessee requires None required (optional). Courses are available fully online through JustInsurance.
Ready to Get Your Tennessee Insurance License?
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