If you want to help Colorado families protect income, health, loved ones, retirement plans, and financial security, a Life and Health insurance license can open the door.

In Colorado, the Life and Accident & Health lines are commonly pursued together, but they are separate lines of authority. That means you need to understand the requirements for each line, complete the required prelicensing education, pass the correct Pearson VUE exam or exams, and submit your application through Colorado’s electronic licensing process.

This guide walks you through the Colorado life and health insurance license process from start to finish, with a practical study strategy for exam day in the Centennial State.

How Colorado Life and Health Licensing Works

Colorado insurance licensing is regulated by the Colorado Division of Insurance, and licensing exams are administered by Pearson VUE. Pearson VUE’s Colorado insurance page is the official testing hub for exam scheduling, test center information, candidate handbook access, online testing details, and licensing resources.

Colorado refers to health-related producer authority as Accident and Health. In everyday conversation, many people call this a “health insurance license,” but the state licensing language commonly uses Accident and Health.

For Colorado resident candidates, Life and Accident & Health are separate lines. Many students pursue both because the products often overlap in real-world insurance sales, especially for agents working with families, employee benefits, Medicare-related products, disability income, life insurance, annuities, and financial protection planning.

Colorado requires prelicensing training for major resident producer lines, including Life and Accident & Health. Pearson VUE’s Colorado Candidate Handbook says applicants applying for Life or Accident & Health authority must complete required prelicense training and pass the Pearson VUE licensing exam.

Because Colorado requires approved prelicensing education, TESTivity should not be treated as a replacement for the required course. If you still need the approved Colorado prelicensing course, we recommend Achievable. Once that requirement is handled, TESTivity’s Colorado-specific L&H study tools help you prepare for the actual licensing exam.

Colorado Life and Health License Quick Facts

Category	Colorado L&H Requirement
State regulator	Colorado Division of Insurance
Testing vendor	Pearson VUE
Common license lines	Life and Accident & Health
Prelicensing required?	Yes, for Life and Accident & Health resident producer applicants
Exam required?	Yes
Life exam time	2 hours
Accident & Health exam time	2 hours
Exam fee	$41 for up to two exams in one exam session
Application method	Online through Sircon or NIPR
Resident producer fee	$44 per line of authority, excluding NIPR transaction fees
Exam score validity	12 months
License continuation	Every 2 years, generally on the last day of the producer’s birth month
CE requirement	24 credits per continuation cycle beginning with the second cycle
Ethics CE	3 credits

Pearson VUE lists the Colorado insurance licensing exam fee as $41 and says candidates may take up to two examinations during one exam session for that single fee. NIPR lists the Colorado resident producer licensing fee as $44 per line of authority, excluding NIPR transaction fees.

5 Steps to Get a Life and Health Insurance License in Colorado

Step 1: Decide Whether You Need Life, Accident & Health, or Both

Before you begin, decide which line or lines of authority fit your career plan.

You may need a Life license if you plan to sell or discuss products such as:

• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable life insurance, with additional securities requirements where applicable
• Annuities
• Riders related to life insurance
• Policy replacement and suitability concepts
• Beneficiary planning and income protection products

You may need an Accident and Health license if you plan to sell or discuss products such as:

• Individual health insurance
• Group health insurance
• Disability income insurance
• Medicare Supplement insurance
• Long-term care insurance
• Dental and vision coverage
• Limited benefit policies
• Accident-only coverage
• Critical illness coverage
• Hospital indemnity coverage

Many Colorado candidates pursue both Life and Accident & Health because agencies and employers often prefer producers who can handle the full client conversation. A family may need life insurance, disability income protection, health coverage, and long-term care planning. A benefits producer may need to understand group life, group health, disability, and related employee benefit products.

For a broader overview of all license types, see Insurance Licensing in Colorado: Complete Guide to License Types and Requirements. For auto, homeowners, commercial, and liability insurance, see How to Get a Property and Casualty Insurance License in Colorado.

Step 2: Complete Required Colorado L&H Prelicensing Education

Colorado requires approved prelicensing training for resident applicants seeking Life or Accident & Health authority. Pearson VUE’s Colorado Candidate Handbook states that applicants applying for Life and Accident & Health authority must complete prelicense training before taking the licensing exam.

Your prelicensing provider reports completion information to Pearson VUE, and you must provide the school code when scheduling your exam. Colorado prelicensing training is valid for one year, so do not complete the course and then let your exam preparation drift into the snowbank. If you do not pass the exam within the required time, you may need to retrain.

That creates two separate study needs:

First, you need the required approved prelicensing education. If you still need the required Colorado prelicensing course, we recommend Achievable.

Second, you need exam-focused preparation. That is where TESTivity fits. TESTivity’s Colorado Life and Health tools are built to help you retain the material, recognize exam patterns, practice Colorado-specific content, and prepare for the Pearson VUE testing experience.

Step 3: Schedule Your Colorado Life and Health Exams with Pearson VUE

Colorado insurance exams are administered by Pearson VUE. Candidates can schedule, reschedule, or cancel exams through Pearson VUE’s Colorado Insurance page.

Before scheduling, make sure:

• Your required prelicensing education is complete.
• Your provider has reported your completion information.
• You have your school code.
• Your legal name matches your government-issued ID.
• You know whether you are taking Life, Accident & Health, or both.
• You have reviewed the current Colorado Candidate Handbook and content outline.

Pearson VUE’s Colorado insurance page also instructs candidates to create their account using their legal name exactly as it appears on their government-issued ID, because that information appears on exam documentation and reports to the licensing agency.

If you are taking both Life and Accident & Health, Pearson VUE’s rule allowing up to two exams during one exam session for one $41 fee may be helpful. But do not treat that as permission to underprepare. Two exams in one session can be a long mental climb.

Step 4: Pass the Colorado Life and/or Accident & Health Insurance Exam

Colorado’s Life and Accident & Health exams test both general insurance knowledge and Colorado-specific law. You need to know definitions, policy types, provisions, riders, underwriting, taxation, producer duties, unfair trade practices, and state-specific rules.

Pearson VUE’s Colorado Insurance Content Outlines list the Life general knowledge section as 50 scored questions plus 5 pretest questions and the Colorado-specific Life section as 30 scoreable questions plus 5 pretest questions.

For Accident & Health, Pearson VUE’s Colorado outline lists the general knowledge section as 50 scored questions plus 5 pretest questions. The outline covers major A&H categories such as disability income, accidental death and dismemberment, medical expense insurance, Medicare Supplement policies, group insurance, long-term care, and limited benefit plans.

This is why Colorado-specific preparation matters. Generic national material may help with broad concepts, but the Colorado exam includes state-law topics and is administered through Pearson VUE. The question style, pacing, answer construction, and recurring phrasing can differ from what students see in Prometric or PSI states.

TESTivity’s Colorado L&H exam simulator is designed around that reality. Over more than 20 years of building insurance exam prep, TESTivity has learned that testing-provider style matters. The worst thing you can do is spend weeks studying material that does not resemble what you will actually see on the screen in the testing center.

Step 5: Apply for Your Colorado Life and Health Insurance License

After completing required prelicensing and passing the correct exam or exams, you can submit your Colorado license application online through Sircon or NIPR.

NIPR lists Colorado resident producer licensing requirements and fees, including a resident producer fee of $44 per line of authority, excluding NIPR transaction fees. NIPR also notes that Colorado exam scores are valid for 12 months, so your application should be submitted before the score expires.

Before applying, confirm:

• You completed required prelicensing.
• Your prelicensing completion was reported.
• You passed the required exam or exams.
• Your exam score is still valid.
• You are applying for the correct line or lines of authority.
• Your personal information is accurate.
• You have disclosed any required background, regulatory, or screening information honestly.
• You understand the fees for each line of authority.

If you want both Life and Accident & Health authority, make sure your application includes both lines.

Colorado Life and Health Exam Details

Colorado L&H candidates should prepare for both national concepts and Colorado-specific insurance law.

Colorado Life Insurance Exam Topics

The Life insurance exam may include topics such as:

• Basic insurance concepts
• Life insurance policy types
• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable life concepts
• Policy provisions
• Riders
• Beneficiaries
• Settlement options
• Premiums
• Underwriting
• Annuities
• Retirement plans
• Tax treatment
• Group life insurance
• Policy replacement
• Suitability and disclosures
• Colorado-specific laws and regulations

Pearson VUE’s Colorado content outline lists Life general knowledge as 50 scored questions plus 5 pretest questions, plus a Colorado-specific Life section with 30 scoreable questions plus 5 pretest questions.

Colorado Accident & Health Insurance Exam Topics

The Accident & Health exam may include topics such as:

• Disability income insurance
• Accidental death and dismemberment
• Medical expense insurance
• Group health insurance
• Medicare Supplement insurance
• Long-term care insurance
• Dental and vision coverage
• Limited benefit policies
• Policy provisions
• Mandatory and optional provisions
• Riders
• Underwriting
• Taxation
• Producer responsibilities
• Colorado-specific health insurance laws
• Marketing and sales rules

Pearson VUE’s Colorado content outline lists Accident & Health general knowledge as 50 scored questions plus 5 pretest questions and includes major topics such as disability income, medical expense insurance, Medicare Supplement policies, group insurance, long-term care, and limited benefit plans.

Colorado-Specific L&H Topics

Colorado-specific Life and Health material can include topics such as:

• Commissioner authority
• Producer licensing responsibilities
• Unfair trade practices
• Fiduciary duties
• Misrepresentation
• Twisting and replacement
• Policy delivery and free-look rules
• Group life and group health requirements
• Annuity suitability and disclosures
• Medicare Supplement rules
• Long-term care rules
• Mandated health benefits
• Individual and group health coverage rules
• Small group market issues
• Sales and marketing requirements
• Claims and policyholder protections

These Colorado-specific areas are not background scenery. They are part of the actual exam blueprint, and they can be the difference between “I recognize this” and “the screen just turned into alphabet soup.”

Colorado Life and Health Licensing Fees

Here are the main costs Colorado L&H candidates should plan for.

Fee Type	Amount
Pearson VUE exam session fee	$41
Exams allowed per session fee	Up to 2 exams
Colorado resident producer fee	$44 per line of authority
NIPR transaction fee	Additional
Prelicensing course	Varies by provider
TESTivity study tools	Varies by package

Pearson VUE lists the Colorado insurance producer examination fee as $41 and says candidates may take up to two examinations in one exam session for one fee. NIPR lists the Colorado resident producer licensing fee as $44 per line of authority, excluding NIPR transaction fees.

Because Life and Accident & Health are separate lines of authority, candidates applying for both should plan for licensing costs for both lines.

Fingerprints, Background Checks, and Disclosures

Colorado’s current resident producer licensing materials emphasize accurate application disclosures and supporting documentation when required.

NIPR’s Colorado resident licensing page includes business rules for applicants, including age, residency, license status, and regulatory-action issues. Applicants must be at least 18 years old, and certain serious regulatory or 1033 issues may require contacting the state.

The current Pearson VUE resident producer process materials do not present a universal fingerprint requirement in the same way some other states do. Instead, applicants should pay close attention to the application’s screening questions, disclosure requirements, and documentation instructions.

If you have a criminal history, prior regulatory action, bankruptcy, prior license issue, name discrepancy, or residency complication, review the current Colorado Candidate Handbook and contact Pearson VUE, Sircon, NIPR, or the Colorado Division of Insurance before assuming your application will be routine.

Colorado Life and Health License Application Process

Colorado’s insurance license application process is electronic. Pearson VUE’s Colorado insurance page provides links for licensing services and directs candidates to Colorado-specific licensing information, while NIPR provides the resident producer application pathway and state fee information.

The application process generally works like this:

1. Choose Life, Accident & Health, or both.
2. Complete required Colorado-approved prelicensing education.
3. Confirm your provider has reported completion.
4. Schedule and pass the required Pearson VUE exam or exams.
5. Submit your license application through Sircon or NIPR.
6. Pay the required state and transaction fees.
7. Respond quickly if Colorado requests additional documentation.

Do not wait too long after passing. Colorado exam scores are valid for 12 months, and the application must be submitted while the score remains valid.

Colorado Life and Health License Renewal and Continuing Education

Colorado producer licenses are continued every two years, generally on the last day of the producer’s birth month. Pearson VUE’s Colorado Candidate Handbook explains that the first license expiration date may be 13 to 24 months from the date the license is issued, depending on the month of licensure and the producer’s birth date.

Colorado resident producers holding Life or Accident & Health authority must complete 24 continuing education credits every continuation cycle, beginning with the second cycle. Colorado requires 3 ethics credits as part of the CE requirement.

Producers who sell certain products may also need additional product-specific training, such as annuity or long-term care training, depending on what they plan to sell and current state or federal rules. Always confirm product-specific training requirements before selling specialized products.

Colorado has no grace period for license continuation. Pearson VUE states that continuation requirements must be received by 10:00 PM Mountain Time on the license expiration date.

Colorado-Specific L&H Licensing Quirks

Colorado Uses “Accident and Health” Language

Many students say “health insurance license,” but Colorado commonly uses Accident and Health as the official line of authority. Use the right language when scheduling, applying, and checking requirements.

Life and Accident & Health Are Separate Lines

Life and Accident & Health are commonly paired, but they are not the same license authority. If you want both, make sure you complete the correct prelicensing, pass the correct exams, and apply for both lines.

Colorado Requires Prelicensing

Colorado requires approved prelicensing education for Life and Accident & Health resident producer applicants. This is not a state where you should simply buy a practice test, schedule the exam, and hope the mountain wind carries you through.

Prelicensing Training Is Time-Sensitive

Colorado prelicensing training is valid for one year. If you wait too long after completing your course, you may have to retrain before testing.

Exam Scores Expire

Colorado exam scores are valid for 12 months. Pass the exam, then keep the process moving.

Pearson VUE Style Matters

Colorado uses Pearson VUE, and that matters for your study plan.

Pearson VUE exams often have a different feel than PSI or Prometric exams. The question wording, answer choices, pacing, screen experience, and recurring structure can all feel different. TESTivity’s Colorado L&H exam simulator is built to help you prepare for the way the Colorado exam actually appears on screen.

Colorado-Specific Health Rules Can Surprise Students

Life insurance concepts are often more stable from state to state, but Accident & Health can involve many state-specific rules. Colorado health insurance law, mandated benefits, group coverage rules, Medicare Supplement rules, long-term care requirements, and sales practices deserve careful attention.

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Recommended TESTivity Study Tools for Colorado L&H Candidates

Colorado L&H candidates need two things: the required approved prelicensing education and a strong exam-prep system.

If you still need the required Colorado-approved prelicensing course, we recommend Achievable.

Once that requirement is handled, TESTivity helps you prepare for the exam itself with Colorado-specific learning tools built around how students actually study, forget, review, and finally master exam material.

Colorado L&H Study Manual

The TESTivity Study Manual gives you an organized path through the Life and Accident & Health material. It helps you work through the major concepts: policy types, provisions, riders, underwriting, taxation, state law, producer duties, health coverage rules, and exam-relevant definitions.

Instead of throwing you into a giant national textbook swamp, the Colorado L&H Study Manual keeps the focus on what Colorado candidates need to understand for the exam.

Colorado L&H Exam Simulator

The Exam Simulator is one of the most important tools for Colorado candidates.

The Colorado exam is administered by Pearson VUE, and Pearson VUE questions do not always feel like Prometric or PSI questions. TESTivity’s Colorado L&H simulator is designed to help you practice with questions that better represent the format, feel, and reasoning style of the actual exam.

The goal is not just to memorize answers. The goal is to recognize how the exam asks questions.

Flashcards

Flashcards help you memorize key terms, policy provisions, state-law triggers, definitions, riders, exclusions, and product differences.

For L&H students, flashcards are especially helpful for separating similar concepts such as:

• Term life vs. whole life
• Fixed annuities vs. variable annuities
• Mandatory vs. optional health policy provisions
• Medicare vs. Medicaid
• Disability income vs. medical expense coverage
• Replacement vs. twisting
• Free-look periods vs. grace periods

Audio Course

The Audio Course turns commuting, walking, exercising, and chores into review time. Life and Health exam prep rewards repeated exposure, and audio helps you keep the material alive in your memory without staring at a screen all day.

Video Course

The Video Course is useful when you want instructor-style explanation. Some topics, such as annuities, health policy provisions, taxation, Medicare Supplement coverage, and long-term care, are easier to understand when they are explained step by step.

Mind Maps

Mind Maps help visual learners organize complicated material. Life and Health topics can feel like a drawer full of tangled charging cords: policy types, riders, provisions, exclusions, state laws, tax rules, and producer duties. Mind Maps help untangle those relationships.

Learning Games

Learning games give you a lower-pressure way to repeat and reinforce important vocabulary. Crosswords, matching games, and recall drills help you review without turning every study session into a grim staring contest with a PDF.

AI Insurance Exam Tutor

The AI Tutor helps you review weak areas, explain confusing concepts, and keep momentum when you get stuck. It is especially useful when you miss a practice question and need to understand why the correct answer is right.

Test Day Cheat Sheet

The Test Day Cheat Sheet compresses major ideas into a final-review format. Use it near the end of your study plan, not as your only study plan. It is a sharpening tool, not the whole toolbox.

TESTivity Platinum Study Package

The Platinum Study Package brings the full system together: Study Manual, Exam Simulator, Audio Course, Flashcards, Mind Maps, Learning Games, Video Course, Test Day Cheat Sheet, and AI Tutor.

For Colorado L&H candidates, Platinum is the best fit if you want a complete, state-specific study system instead of a pile of disconnected resources.

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FAQ: Colorado Life and Health Insurance License

About This Colorado L&H Insurance License Guide

GetTheLicense.org creates insurance licensing guides for students preparing for state insurance exams across the country. Our goal is to make the licensing process easier to understand, help candidates avoid common mistakes, and connect students with study tools that match the way they learn.

This Colorado Life and Health guide was prepared using current information from Pearson VUE, NIPR, and Colorado insurance licensing resources. Licensing requirements, fees, exams, and procedures can change, so candidates should always confirm final requirements with the Colorado Division of Insurance, Pearson VUE, Sircon, NIPR, or their approved prelicensing provider before scheduling an exam or submitting an application.