Everything You Need to Know About Getting a Life & Health Insurance License in the Beehive State
If you want to sell life insurance, health insurance, disability income insurance, long-term care, Medicare-related products, annuities, or similar coverage in Utah, you will likely need a Utah Life and Health insurance license.
In Utah, the common path is the Producer’s Combined Life, Accident and Health Exam, also known as Series 17-03. Passing that exam can qualify you for the combined Life, Accident and Health producer authority.
Utah does not require prelicensing education before you take the exam. That gives you flexibility, but it also means you are responsible for choosing a study plan that actually prepares you for the material. You still need to pass the Prometric exam, apply electronically through Sircon or NIPR, complete fingerprinting if this is your first Utah resident insurance license, and become appointed or designated before you can conduct insurance transactions.
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Utah Life and Health Insurance License (17-03) Quick Facts
| Requirement | Utah Life and Health License Information |
|---|---|
| Common license path | Resident Producer, Life, Accident and Health |
| Required combined exam | Producer’s Combined Life, Accident and Health Exam |
| Exam series | 17-03 |
| Testing vendor | Prometric |
| Exam length | 150 questions |
| Time allowed | 2.5 hours |
| Prelicensing education | Not required by Utah |
| Application method | Electronic application through Sircon or NIPR |
| Fingerprinting | Required for initial resident insurance license applicants |
| Fingerprint provider/location | Prometric test center using live scan |
| Resident producer license fee | $75 according to the Utah Licensing Information Bulletin |
| Exam fee | $44 according to the Utah exam registration form |
| Renewal cycle | Every two years, based on birth month |
| CE requirement | 24 hours per renewal cycle, including 3 hours of ethics |
The Utah Licensing Information Bulletin identifies the Producer’s Combined Life, Accident and Health Exam as Series 17-03 and lists it as a 150-question exam with a 2.5-hour time limit.
Who Needs a Utah Life and Health Insurance License?
A Utah Life and Health insurance license is generally for producers who want to sell, solicit, or negotiate products such as:
- Life insurance
- Term life insurance
- Whole life insurance
- Flexible premium life insurance
- Annuities
- Health insurance
- Disability income insurance
- Medical expense coverage
- Medicare-related products
- Long-term care insurance
- Dental and related health products
Utah issues insurance licenses by line of authority. Each license is valid only for the line shown on the license, so you need the correct authority for the products you plan to sell. The bulletin lists separate producer exams for Life, Accident and Health, and the combined Life, Accident and Health exam.
If you want a broader overview of Utah insurance licensing, visit:
If you are pursuing Property and Casualty instead, see:
How to Get a Property and Casualty Insurance License in Utah
Life Only, Health Only, or Combined Life and Health?
Utah offers separate exams for Life and Accident and Health, but many candidates choose the combined Life, Accident and Health path.
The bulletin lists these producer exam options:
| License Goal | Utah Exam |
|---|---|
| Life only | Producer’s Life Exam, Series 17-01 |
| Accident and Health only | Producer’s Accident and Health Exam, Series 17-02 |
| Combined Life, Accident and Health | Producer’s Combined Life, Accident and Health Exam, Series 17-03 |
The combined exam is often the most practical choice if you plan to sell both life insurance and health-related products. Utah’s bulletin explains that candidates may qualify for combination licenses by taking a combined exam, and that the combined exam produces one final score. You must pass the complete combined exam to qualify.
In plain English: the combined exam is one big door, not two small doors taped together. You do not pass the Life half and fail the Health half. You pass or fail the combined exam as a whole.
Utah Life and Health License Requirements
To qualify for a Utah resident producer license, you generally must:
- Be at least 18 years old
- Be a resident of Utah
- Be of good character and competency
- Pass the required licensing examination
- Submit the required electronic license application
- Pay the required fees
- Complete fingerprinting if this is your first resident insurance license
The Utah bulletin states that a resident producer applicant must be at least 18, be a Utah resident, be of good character and competency, and pass the required license examination.
After the license is issued, you still need an appointment with an insurer or a designation with an agency before you can conduct insurance transactions. Utah’s bulletin is clear that a license may remain active without an appointment or affiliation, but the producer cannot conduct insurance transactions until properly appointed or designated.
Does Utah Require Life and Health Prelicensing Hours?
No. Utah does not require Life and Health prelicensing education before you take the exam.
That is one of Utah’s most important licensing differences. The Utah Insurance Department does not require candidates to complete a training course before taking an insurance examination. Candidates may use the study materials or education they believe will best prepare them.
That flexibility is nice, but it can also create a trap.
The Utah Life and Health exam covers life insurance, annuities, policy provisions, accident and health concepts, medical plans, group health, Medicare, long-term care, taxation, Utah regulation, and more. Without a structured study plan, the material can become a junk drawer full of riders, exclusions, definitions, and federal acronyms.
How to Get Your Utah Life and Health Insurance License in 5 Steps
Step 1: Choose the Right Life and Health Authority
Start by deciding which authority you actually need.
If you only plan to sell life insurance products, you may only need the Life authority. If you only plan to sell health-related products, you may only need the Accident and Health authority. But if your career path includes both life and health products, the combined Life, Accident and Health route is usually the more flexible option.
Choose the combined Life and Health path if you plan to work with products such as:
| Product Area | Examples |
|---|---|
| Life insurance | Term life, whole life, universal life, group life |
| Annuities | Fixed annuities, deferred annuities, immediate annuities |
| Health insurance | Medical expense coverage, group health, individual health |
| Disability income | Individual disability, group disability |
| Senior products | Medicare supplements, long-term care |
| Business planning | Key person insurance, buy-sell funding, business disability coverage |
If your goal is property, auto, homeowners, liability, or commercial insurance, the Life and Health license is not the correct path. You should review the Utah P&C licensing guide instead.
[How to Get a Property and Casualty Insurance License in Utah]
Step 2: Prepare for the Utah Life and Health Exam
Utah does not require a prelicensing course, but the exam is still based on Prometric’s content outline. That outline is your exam map.
For the combined Life, Accident and Health exam, Utah expects candidates to understand both life insurance and health insurance topics. That means your study plan needs to cover a wide field: life policies, annuities, health insurance basics, disability income, medical plans, Medicare, long-term care, taxation, regulation, and producer responsibilities.
For the Utah Producer’s Combined Life, Accident and Health Exam, Series 17-03, the major content areas include:
| Utah L&H Exam Topic | Exam Weight |
|---|---|
| Insurance Regulation | 7% |
| General Insurance | 5% |
| Life Insurance Basics | 7% |
| Life Insurance Policies | 7% |
| Life Insurance Policy Provisions, Options and Riders | 9% |
| Annuities | 9% |
| Federal Tax Considerations for Life Insurance and Annuities | 7% |
| Qualified Plans | 6% |
| Accident and Health Insurance Basics | 12% |
| Disability Income and Related Insurance | 2% |
| Medical Plans | 10% |
| Group Accident and Health Insurance | 10% |
| Dental Insurance | 1% |
| Medicare | 4% |
| Long-Term Care Insurance | 4% |
| Federal Tax Considerations for Accident and Health Insurance | 2% |
The Utah bulletin lists these content weights for Series 17-03.
A smart study plan should not treat every topic equally. Accident and Health Insurance Basics, Medical Plans, Group Accident and Health, Annuities, and Life Policy Provisions carry meaningful weight. Dental is testable, but it is not the mountain. It is more like a hill wearing a name tag.
For a deeper study strategy, visit:
How to Pass the Insurance Licensing Exam in Utah
Why Exam Prep Matters in Utah
Utah gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Utah life accident and health license exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Register and Schedule Your Exam with Prometric
Utah insurance exams are administered by Prometric.
Before testing, you must:
- Register for the correct exam using your legal name
- Pay the exam fee
- Schedule your exam appointment
The bulletin says Utah candidates may register and schedule online, by phone, or by fax or mail. The easiest method is usually online through Prometric’s Utah insurance testing page.
For the combined Utah Life and Health path, select:
Producer’s Combined Life, Accident and Health Exam, Series 17-03
The Utah bulletin explains that candidates may take Utah insurance exams at a physical Prometric test center or through Prometric’s ProProctor remote testing system.
Remote testing can be convenient, but remember the Utah-specific catch: fingerprinting for initial resident applicants must still be completed at a Prometric test center in Utah.
Step 4: Pass the Utah Life and Health Exam
The Utah Life and Health exam is computer-based and uses multiple-choice questions.
For the Producer’s Combined Life, Accident and Health Exam:
| Exam Detail | Utah L&H Exam |
|---|---|
| Exam series | 17-03 |
| Number of questions | 150 |
| Time limit | 2.5 hours |
| Format | Computer-based multiple choice |
| Testing vendor | Prometric |
| Calculator allowed? | No |
The Utah bulletin states that Utah insurance exams are administered by computer and that no calculators are allowed.
You will receive your results after the exam. The score report shows your overall score and grade, including the percentage of questions answered correctly and whether you passed or failed. The report also displays section-level percentages to help you identify weak areas if you need to retest.
That section-level report can be valuable. If your weak area is Medical Plans or Group Accident and Health, do not keep polishing Annuities because they feel friendlier. Study where the leak is.
Step 5: Apply for Your Utah Life and Health License and Complete Fingerprinting
After you pass the required exam, you must submit your license application electronically.
The Utah bulletin states that candidates must complete and submit the application through Sircon or NIPR. Electronic application is the Department’s required filing method.
Utah also warns that application accuracy matters. If you have been the subject of a criminal, civil, or insurance department disciplinary proceeding, you must disclose required information and electronically submit supporting documents. Applications with inaccurate or untruthful information may be denied.
For initial resident applicants, fingerprinting is required.
The Utah bulletin says fingerprinting must be completed at a Prometric test center using live scan technology, which transmits fingerprints to the Utah Department of Public Safety, Bureau of Criminal Identification, and the FBI.
Utah’s process generally works like this:
- Pass the Life and Health exam.
- Apply online through Sircon or NIPR.
- Pay the FBI/BCI fingerprint fee during the online application.
- Print your Sircon or NIPR confirmation page.
- Pay Prometric’s separate fingerprint processing fee.
- Show your passing score report and payment confirmation at the test center.
- Have your fingerprints scanned.
A very practical Utah tip: the bulletin recommends that you do not pay Prometric’s $6 fingerprint processing fee until after passing the licensing exam, because fingerprints will not be taken if you do not pass, and fees are nonrefundable.
Utah Life and Health Exam Details
The Utah Producer’s Combined Life, Accident and Health Exam, Series 17-03, is the exam most candidates take when they want the combined Life and Health producer authority.
| Exam Item | Details |
|---|---|
| Official exam name | Producer’s Combined Life, Accident and Health Exam |
| Series | 17-03 |
| Questions | 150 |
| Time limit | 2.5 hours |
| Vendor | Prometric |
| Question type | Four-option multiple choice |
| Calculator | Not allowed |
| Score report | Provided after the exam |
The exam includes both general insurance knowledge and Utah-specific insurance regulation. Students should prepare for policy structures, riders, options, underwriting, annuities, accident and health concepts, medical plans, group coverage, Medicare, long-term care, taxation, and Utah law.
Utah Life and Health Exam Content Outline
Here is the high-level outline for the Utah Producer’s Combined Life, Accident and Health Exam:
1. Insurance Regulation — 7%
This includes licensing, state regulation, and federal regulation.
2. General Insurance — 5%
This includes insurance concepts, insurers, producers and agency rules, and contracts.
3. Life Insurance Basics — 7%
This includes insurable interest, personal uses of life insurance, life settlements, determining insurance needs, business uses, policy classes, premiums, producer responsibilities, and underwriting.
4. Life Insurance Policies — 7%
This includes term life, whole life, flexible premium policies, specialized policies, and group life insurance.
5. Life Insurance Policy Provisions, Options and Riders — 9%
This includes standard provisions, beneficiaries, settlement options, nonforfeiture options, policy loans and withdrawals, dividends, disability riders, accelerated benefits, additional insured riders, and riders affecting the death benefit.
6. Annuities — 9%
This includes annuity principles, immediate and deferred annuities, payment options, annuity products, and uses of annuities.
7. Federal Tax Considerations for Life Insurance and Annuities — 7%
This includes taxation of personal life insurance, modified endowment contracts, taxation of non-qualified annuities, IRA taxation, rollovers, transfers, and Section 1035 exchanges.
8. Qualified Plans — 6%
This includes general requirements, federal tax considerations, plan types, characteristics, and purchasers.
9. Accident and Health Insurance Basics — 12%
This includes definitions of perils, principal types of losses and benefits, classes of health insurance policies, limited policies, common exclusions, licensee responsibilities, underwriting, replacement considerations, and required or uniform provisions.
10. Disability Income and Related Insurance — 2%
This includes qualifying for disability benefits, individual disability income, group disability income, and Social Security disability.
11. Medical Plans — 10%
This includes medical plan concepts, types of providers and plans, cost containment, Utah individual and group requirements, HIPAA, HSAs, HRAs, health benefit plan cards, and federal health care reform.
12. Group Accident and Health Insurance — 10%
This includes characteristics of group insurance, eligible groups, marketing considerations, employer group health insurance, small employer medical plans, regulation of employer group plans, and funding/administration.
13. Dental Insurance — 1%
This includes categories of dental treatment, indemnity plans, and employer group dental expense.
14. Medicare — 4%
This includes Medicare standard policies, Medicare supplements, other options for individuals with Medicare, and MIPPA.
15. Long-Term Care Insurance — 4%
This includes long-term care policies.
16. Federal Tax Considerations for Accident and Health Insurance — 2%
This includes personally owned health insurance, employer group health insurance, coverage for sole proprietors and partners, business disability insurance, HSAs, and HRAs.
Utah Life and Health License Fees
Here are the core fees a Utah resident Life and Health candidate should expect.
| Fee | Amount |
|---|---|
| Utah combined Life, Accident and Health exam fee | $44 |
| Resident individual producer license fee | $75 |
| FBI/BCI fingerprint fee | Listed in the fingerprint instructions as $12 FBI plus $20 BCI |
| Prometric fingerprint processing fee | $6 |
| Sircon or NIPR transaction fee | Additional fee may appear at checkout |
The Utah exam registration form lists the Producer’s Combined Life, Accident and Health Exam, Series 17-03, at $44. The bulletin also lists the individual producer license fee as $75 and describes the fingerprint fee process for initial resident applicants.
Because fees can change and application portals may add processing fees, always confirm the final amount at checkout before submitting payment.
Fingerprinting and Background Check for Utah Life and Health Applicants
If you are applying for your first Utah resident insurance license, fingerprinting is required.
The Utah bulletin says resident insurance license applicants must be fingerprinted, unless they already hold an existing resident license and are only adding a line or license type. Fingerprinting must be done at a Prometric test center using live scan technology.
For candidates taking an exam, the fingerprinting process generally works like this:
- Pass the Utah Life and Health exam.
- Complete the online license application through Sircon or NIPR.
- Pay the FBI/BCI fingerprint fee during the application process.
- Print your Sircon or NIPR confirmation page.
- Pay Prometric’s separate fingerprint processing fee.
- Bring your passing score report and application/payment confirmation to the test center.
- Have your fingerprints scanned.
If you pass the exam and leave the test center without having your fingerprints scanned, you must schedule an appointment to return and bring your application confirmation page and passing score report.
That small detail is worth planning around. Nobody wants a second trip to the test center because one piece of paper was lounging at home.
After You Pass the Utah Life and Health Exam
After you pass and submit your application, the Utah Insurance Department reviews your application materials.
Your license is not issued automatically just because you passed the exam. The Department evaluates the application, disclosures, fingerprint results, and any required supporting documentation before issuing the license.
Once the license is issued, Utah no longer mails hard copies of new, renewal, or duplicate licenses. You may print your license yourself through Sircon after it has been issued.
Then comes the practical business step: appointment or designation.
To conduct insurance transactions as a Utah producer, you must be appointed by an authorized insurer or designated by a licensed insurance agency. If you are not contracted or affiliated with an insurer or agency, your license may remain active, but you cannot conduct insurance transactions.
Utah Life and Health License Renewal and Continuing Education
Utah individual insurance licenses generally renew every two years based on the licensee’s birth month.
Resident producers must complete continuing education before renewal. For most Utah resident producers, the CE requirement is:
| CE Requirement | Utah Rule |
|---|---|
| Total CE hours | 24 hours per renewal cycle |
| Ethics minimum | 3 hours |
| Classroom/classroom-equivalent requirement | 12 hours |
| Insurer-provided course limit | No more than 12 hours |
| Approval requirement | All hours must be Utah-approved |
Do not treat CE like a sleepy renewal chore. A good CE plan keeps your license healthy and keeps you current on the rules that govern the products you sell.
Utah-Specific Life and Health Licensing Tips
Why Exam Prep Matters in Utah
Utah gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Utah L&H insurance license exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Utah Does Not Require Life and Health Prelicensing Education
Utah lets candidates take the exam without completing state-required prelicensing hours. That makes Utah flexible, but it also puts more responsibility on the student to prepare correctly.
The Combined Exam Is One Final Score
If you choose Series 17-03, you are taking the combined Life, Accident and Health exam. Utah’s bulletin explains that a combined exam results in one final score, and you must pass the complete exam to qualify.
Health Topics Carry Heavy Weight
On the combined L&H exam, Accident and Health Insurance Basics, Medical Plans, and Group Accident and Health Insurance are major content areas. Do not let the “Life and Health” label trick you into spending all your study time on life policies and annuities.
Remote Testing Does Not Remove the Fingerprinting Requirement
Prometric remote testing may be available, but initial resident applicants must still complete fingerprinting at a Utah Prometric test center.
Wait to Pay the $6 Fingerprint Processing Fee
Utah’s bulletin recommends waiting until after you pass before paying the separate Prometric fingerprint processing fee because it is nonrefundable and fingerprints will not be taken if you do not pass.
Your Application Must Be Complete and Accurate
Utah requires electronic application filing and warns that inaccurate or untruthful information may cause denial. Be careful with disclosure questions and supporting documents.
Passing the Exam Is Not the Same as Selling Insurance
You still need the license issued, and then you need an insurer appointment or agency designation before you can conduct insurance transactions.
Variable Contracts Require More Than a Life License
If you plan to sell variable contracts, Utah’s bulletin notes that you must either apply for a Life license at the same time or already hold a Life license, and you must have evidence of current FINRA qualification and Utah Securities Division registration.
How to Study for the Utah Life and Health Exam
The Utah Life and Health exam is a wide exam. It asks you to move between life insurance, annuities, health insurance, disability income, Medicare, long-term care, taxation, state regulation, and general insurance concepts.
A strong study plan should include:
- Reading the core insurance concepts
- Learning Utah-specific regulation and producer responsibilities
- Practicing exam-style multiple-choice questions
- Reviewing weak areas by topic
- Using flashcards for definitions, provisions, riders, and exclusions
- Listening to audio review during downtime
- Taking simulated exams before test day
- Reviewing rationales for both correct and incorrect answers
This is where TESTivity can help.
TESTivity’s study system is built for students who need more than a static PDF. The Platinum Study Package includes:
- Study Manual for structured reading
- Audio Course for listen-and-learn review
- Video Course for guided instruction
- Flashcards for recall practice
- Exam Simulator for test-style practice
- Learning Games for reinforcement
- Mind Maps for visual organization
- Test Day Cheat Sheet for final review
- AI Tutor for extra help when concepts get slippery
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Related Utah Insurance Licensing Guides
This page focuses specifically on the Utah Life and Health insurance license.
For a broader overview of insurance licensing in Utah, visit:
If you are pursuing Property and Casualty instead, see:
How to Get a Property and Casualty Insurance License in Utah
If your main concern is passing the test, visit:
How to Pass the Insurance Licensing Exam in Utah
Frequently Asked Questions About the Utah Life and Health Insurance License
About This Utah Life and Health Licensing Guide
This Utah Life and Health licensing guide was created for future insurance producers who want a clear, practical explanation of the licensing process without digging through state bulletins, testing vendor pages, and application portals on their own.
The information is based on the Utah Insurance Department Licensing Information Bulletin, Prometric exam information, and Utah licensing procedures. Licensing rules, fees, forms, and vendor procedures can change, so always confirm final requirements with the Utah Insurance Department, Prometric, Sircon, or NIPR before applying.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Utah 17-03 questions, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Utah Life and Health Insurance License?
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Whether you are preparing for Property and Casualty, Life and Health, or another Utah insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
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