Everything You Need to Know About Getting an Insurance License in the Beehive State
Getting a Utah insurance license is a step-by-step process, but it is not as complicated once you know which license you need, which exam to take, and what to do after you pass.
Utah licenses insurance professionals through the Utah Insurance Department. Most new resident producer candidates must pass the required insurance exam, apply electronically through Sircon or NIPR, complete fingerprinting if this is their first resident license, and then become appointed or designated before they can actually transact insurance.
This guide explains the Utah insurance license process from start to finish, including license types, exam requirements, fees, fingerprinting, renewal rules, and continuing education.
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Utah Insurance License Quick Facts
| Requirement | Utah Rule or Process |
|---|---|
| State insurance department | Utah Insurance Department |
| Testing vendor | Prometric |
| Prelicensing education | Not required by Utah before taking the exam |
| Application method | Electronic application through Sircon or NIPR |
| Fingerprinting | Required for initial resident insurance license applicants |
| Fingerprint location | Prometric test center using live scan |
| Common producer license types | Life, Accident and Health, Property, Casualty, Property and Casualty, Personal Lines |
| Resident producer license fee | $75 according to the Utah Licensing Information Bulletin |
| License renewal | Every two years, based on the licensee’s birth month |
| Continuing education | 24 hours per renewal cycle, including 3 hours of ethics |
Utah’s Licensing Information Bulletin states that the Utah Insurance Department contracts with Prometric for its insurance examination program, and that questions about examinations should be directed to Prometric.
Who Needs a Utah Insurance License?
You generally need a Utah insurance license if you want to sell, solicit, negotiate, or provide certain insurance services in Utah.
The Utah Insurance Department issues several types of insurance licenses, including licenses for producers, consultants, and adjusters. Each license is valid only for the line of authority shown on the license, which means a person licensed for one line may still need another license to sell a different type of insurance.
For most new insurance professionals, the most common starting point is a resident producer license.
A Utah insurance producer is someone who is appointed by an insurer to solicit applications for insurance or negotiate insurance on the insurer’s behalf. To conduct insurance transactions as a producer, you must hold the correct license, be appointed or designated by an authorized insurer or licensed agency, and be under contract with that insurer or agency.
In plain English: passing the exam and getting the license is not the final boss. You also need an appointment or agency designation before you can actually start selling.
Common Utah Insurance License Types
Utah offers several insurance license types and lines of authority. The right license depends on the products you plan to sell.
Common license paths include:
Life Insurance
A Life license is generally used by producers who plan to sell life insurance products, such as term life, whole life, universal life, and related products.
Accident and Health Insurance
An Accident and Health license is generally used by producers who plan to sell health insurance, disability income insurance, medical expense coverage, long-term care, Medicare-related products, and similar coverage types.
Life, Accident and Health
Many students choose the combined Life, Accident and Health path because it allows them to prepare for one combined exam instead of separate Life and Health exams.
For a dedicated step-by-step guide, see:
How to Get a Life and Health Insurance License in Utah
Property and Casualty
A Property and Casualty license is generally used by producers who plan to sell products such as homeowners insurance, auto insurance, commercial property, commercial liability, workers compensation, businessowners policies, and related coverages.
For the dedicated P&C guide, see:
How to Get a Property and Casualty Insurance License in Utah
Personal Lines
A Personal Lines license is narrower than a full Property and Casualty license. It is generally focused on personal insurance products, such as personal auto and homeowners coverage.
Surplus Lines
A Surplus Lines license is for producers who work with surplus lines coverage. Utah’s bulletin notes that to qualify for surplus lines, a person must have been a property/casualty insurance producer for at least three of the past four years.
Adjuster
An adjuster license is for individuals who adjust losses. Utah also has different adjuster exam categories, including property and casualty, accident and health, crop, and workers compensation.
Does Utah Require Prelicensing Education?
Utah does not require you to complete a prelicensing course before taking a Utah insurance examination.
That is one of the most important differences between Utah and many other states. Utah lets candidates choose the study materials or education they believe will best prepare them for the exam. The Utah bulletin states that the Utah Insurance Department does not require a training course before testing, and that neither the Department nor Prometric publishes, reviews, or approves study materials.
That flexibility is helpful, but it can also be dangerous if a student mistakes “not required” for “not necessary.”
Utah does not force you to complete prelicensing hours, but the exam still expects you to understand insurance law, policy provisions, coverage concepts, exclusions, conditions, and product-specific rules. The smartest approach is to prepare with structured materials that follow the Utah exam outline.
How to Get a Utah Insurance License in 5 Steps
The Utah insurance license process is easier to understand when you break it into five main steps.
Step 1: Choose the Right Utah Insurance License
Start by deciding what type of insurance you want to sell.
If you plan to sell auto, homeowners, commercial property, commercial liability, or workers compensation coverage, you will likely need a Property and Casualty license.
If you plan to sell life insurance, health insurance, Medicare-related products, disability income, long-term care, or annuities, you will likely need a Life and Health license.
If you are not sure which license fits your career path, use this simple guide:
| Career Goal | Common License Path |
|---|---|
| Sell auto, home, renters, commercial property, or liability insurance | Property and Casualty |
| Sell life insurance, health insurance, Medicare products, disability, or long-term care | Life and Health |
| Sell only personal auto and homeowners insurance | Personal Lines |
| Handle claims | Adjuster |
| Sell surplus lines insurance | Surplus Lines, after meeting experience requirements |
The Utah Licensing Information Bulletin lists multiple exam codes and license categories, including Producer’s Life, Producer’s Accident and Health, Producer’s Combined Life, Accident and Health, Producer’s Combined Property and Casualty, Producer’s Personal Lines, Surplus Lines, and others.
Step 2: Prepare for the Required Utah Insurance Exam
For many Utah resident producer licenses, you must pass a licensing exam before applying.
Utah insurance exams are administered by Prometric. The exam content outlines in the Utah Licensing Information Bulletin are the basis for the exams, so your study plan should follow the outline for your specific license type.
Popular Utah producer exam paths include:
| License Goal | Common Exam |
|---|---|
| Life only | Producer’s Life Exam |
| Accident and Health only | Producer’s Accident and Health Exam |
| Life and Health combined | Producer’s Combined Life, Accident and Health Exam |
| Property and Casualty combined | Producer’s Combined Property and Casualty Exam |
| Personal Lines | Producer’s Personal Lines Exam |
Prometric also offers free practice exams for Life, Health, and Property and Casualty practice. These practice exams are not state-specific, but they use the same general testing format and question style.
For a deeper study plan, see:
How to Pass the Insurance Licensing Exam in Utah
Step 3: Schedule Your Utah Insurance Exam with Prometric
Before you can test, you must register, pay the exam fee, and schedule your appointment with Prometric.
The Utah bulletin says candidates may register and schedule through Prometric online, by phone, or by fax or mail. The easiest method is online through Prometric’s Utah insurance testing page.
Utah candidates may be able to take the exam in one of two ways:
- At a Prometric test center
- Through Prometric’s remote proctoring system, ProProctor
Remote testing can be convenient, but there is an important Utah-specific catch: fingerprinting must still be completed at a Prometric test center in Utah. That means remote testing may save you a testing trip, but it does not eliminate the fingerprinting requirement for initial resident applicants.
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 insurance 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 4: Pass the Exam and Apply Electronically
After you pass the required exam, you must submit your license application electronically.
Utah requires electronic application filing. The bulletin says candidates may complete and submit the application through Sircon or NIPR, and that Sircon or NIPR electronically forwards the application and fees to the Utah Insurance Department.
The Utah bulletin also makes an important point: passing the exam does not guarantee that the license will be issued. The Department still reviews the license application, background questions, and any required supporting materials before approving the license.
If you have been involved in a criminal, civil, or regulatory proceeding, read the application questions carefully. Utah warns that inaccurate or untruthful information on the application can result in denial.
Step 5: Complete Fingerprinting and Get Appointed
Utah requires all individuals applying for an initial resident insurance license to be fingerprinted.
Fingerprinting must be done at a Prometric test center using live scan technology. The fingerprints are transmitted to the Utah Department of Public Safety, Bureau of Criminal Identification, and the FBI.
If you already hold an existing Utah resident insurance license, fingerprinting is not required when you add another license type or line of authority.
After your 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 very clear that a license may remain active even if you are not affiliated with an insurer or agency, but you cannot conduct insurance transactions without the proper appointment or designation.
That detail matters. A newly licensed producer is licensed, but not fully ready to sell until the appointment piece is handled.
Utah Insurance License Fees
Here are the core fees listed in the Utah Licensing Information Bulletin:
| Fee Type | Amount |
|---|---|
| Individual resident producer license fee | $75 |
| Limited lines license fee | $50 |
| Agency license fee | $85 |
| Fingerprint submission fee | $27 listed in the bulletin’s fee section |
| Prometric fingerprint processing fee | $6 |
The Utah bulletin’s fingerprinting instructions also describe the FBI/BCI fingerprint fee as $12 FBI plus $20 BCI, paid during the online license application process, with a separate $6 Prometric fingerprint processing fee.
Because fees can change and because Sircon or NIPR may add processing or transaction fees, students should always confirm final totals at checkout before submitting the application.
Utah Fingerprinting and Background Check Requirements
Fingerprinting is one of the most important Utah-specific steps.
For an initial resident insurance license, Utah requires fingerprints. The process generally works like this:
- Pass the required exam.
- Complete the license application online through Sircon or NIPR.
- Pay the FBI/BCI fingerprint fee during the application process.
- Print the Sircon or NIPR confirmation page.
- Pay Prometric’s separate fingerprint processing fee.
- Show the test center supervisor your passing score report and payment confirmation.
- Have your fingerprints scanned at the Prometric test center.
One practical tip: the Utah bulletin recommends that candidates not pay Prometric’s $6 fingerprint processing fee until after passing the licensing exam. If you do not pass, your fingerprints will not be taken, and the fee is nonrefundable.
That is the kind of small detail that can save a student frustration, time, and a few dollars.
How Long Is a Utah Insurance License Valid?
Utah individual insurance licenses renew every two years based on the licensee’s birth month.
For a new license, the first renewal date may be anywhere from 24 to 35 months from the license issue date, and it will fall on the last day of the licensee’s birth month. After that, renewal continues every two years at the end of the birth month.
Utah Insurance Continuing Education Requirements
Utah resident producers must complete continuing education before renewal.
For most resident producers, Utah requires 24 hours of continuing education per renewal cycle. Of those 24 hours:
- 12 hours must be classroom or classroom-equivalent
- No more than 12 hours may come from courses provided by insurers
- 3 hours must be ethics training
- All 24 hours must be approved by the Utah Insurance Department
The Utah Insurance Department’s continuing education page lists these requirements for producers.
Title producers have separate CE rules, so students pursuing title insurance should confirm those requirements separately.
Important Utah Insurance Licensing Tips
Utah has a few process details that are easy to miss if you only read a generic insurance licensing overview.
Utah Does Not Require Prelicensing Hours
This is the big one. Utah does not require prelicensing education before taking the exam, but you still need to prepare. The exam is based on Prometric’s content outline and includes Utah statutes and regulations.
Prometric Handles the Exam, but the Utah Insurance Department Handles the License
Prometric administers the exam. The Utah Insurance Department decides whether to issue the license after reviewing the application and background materials.
Remote Testing Does Not Remove the Fingerprinting Step
Utah allows Prometric test-center testing and remote proctored testing, but initial resident applicants still need fingerprinting at a Utah Prometric test center.
Do Not Leave the Test Center Without Handling Fingerprinting
If you pass the exam and leave the test center without being fingerprinted, you will need to schedule an appointment to return. You will also need your application confirmation page and passing score report.
Passing the Exam Is Not the Same as Being Licensed
The exam is only one step. Utah still has to review and approve the application.
A License Alone Does Not Let You Sell
After licensing, you still need to be appointed by an insurer or designated by an agency before you can conduct insurance transactions.
New Utah Residents Have a 90-Day Window
If you move to Utah and were licensed in another state, Utah may waive the exam if you apply within 90 days of canceling your prior resident license in good standing and within 90 days of becoming a Utah legal resident. After 90 days, a Utah Laws and Regulations test may be required.
Which Utah Insurance License Should You Get?
Choosing the right Utah insurance license depends on what you want to sell.
If you want to sell auto, homeowners, commercial property, commercial liability, workers compensation, or businessowners insurance, start with the Property and Casualty path.
How to Get a Property and Casualty Insurance License in Utah
If you want to sell life insurance, health insurance, disability income, Medicare-related products, long-term care, or annuities, start with the Life and Health path.
How to Get a Life and Health Insurance License in Utah
If you already know which license you need but are worried about passing the test, visit the exam prep guide.
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 insurance 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:
You read the material, hear it, watch it, practice it, review it, and recall it. That gives your brain more than one path back to the answer when the exam starts throwing curveballs in a business suit.
Ready to PASS Your Utah Insurance Exam? Start the TESTivity Platinum Study Package
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Frequently Asked Questions About Getting a Utah Insurance License
About This Utah Insurance License Guide
This guide was created for prospective Utah insurance producers who want a clear, practical explanation of the licensing process without having to piece everything together from bulletins, testing vendor pages, and application portals.
The information is based on the Utah Insurance Department Licensing Information Bulletin, Prometric exam procedures, and Utah Insurance Department licensing and continuing education guidance. 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 Prometric format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Prepare for Your Utah Insurance Exam?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps future Utah insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
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.
Ready to Get Your Utah Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps future Texas insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
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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