Delaware insurancelicense requirements
Delaware insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Pearson VUE
- Passing score
- 70 or 80 (scaled score)
- Exam fee
- $90 per exam
- License fee
- $125
- Fingerprints
- Required
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Delaware
Below, you'll find the steps to a Delaware insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Delaware insurance producers
How much do insurance agents make in Delaware?
Delaware average insurance agent salary (all lines): $62,100
That is the mean annual wage for insurance sales agents in Delaware in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $89,045
- Health insurance agent: $55,198
- Property and casualty insurance agent: $47,809
Please note that salaries will vary based on experience level and local demand.
Does Delaware require prelicensing education?
No, Delaware does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Delaware?
Becoming an insurance producer in Delaware requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Complete a prelicensing course to help you prepare for and pass your insurance licensing exam.
- Step 2: Schedule your exam online with PearsonVUE at https://www.pearsonvue.com/us/en/de/insurance.html or by phone at 800-274-0455. The examination fee is $90, payable at the time of reservation via credit card, debit card, voucher, or electronic check. Fees are not accepted at the test center. To reschedule or cancel, contact PearsonVUE at least 48 hours before your appointment to avoid forfeiting the examination fee.
- Step 3: On the day of your exam, bring two valid forms of government-issued ID (driver’s license, passport, military ID, etc.), one of which must include both a photograph and a signature. Failure to meet these requirements will result in not being permitted to take the exam. Candidates will receive a score report marked “pass” or “fail” upon completion. Those who pass will also receive instructions on how to apply for a license.
- Step 4: Apply for your license through NIPR. You must submit state and FBI criminal history reports dated within 90 days of the Department receiving them. For detailed information, refer to the Delaware requirements on NIPR at https://nipr.com/licensing-center/state-requirements/delaware-resident-licensing-individual.
If you need assistance with any of these steps or have questions about specific requirements, contact the Delaware insurance department for the most current information.
Delaware insurance exam information
Delaware Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 101 Total Questions (90 scored, 11 pretest) |
| Time limit | 135 minutes |
| Passing score | 70 or 80 (scaled score) |
| Pass rate | 52.3% (320 of 612 first-time test takers, 2025) |
Delaware Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions (92 scored, 18 pretest) |
| Time limit | 135 minutes |
| Passing score | 70 or 80 (scaled score) |
| Pass rate | 44.3% (160 of 361 first-time test takers, 2025) |
Delaware Property Insurance
| Detail | Value |
|---|---|
| Questions | 97 Total Questions (85 scored, 12 pretest) |
| Time limit | 135 minutes |
| Passing score | 70 or 80 (scaled score) |
| Pass rate | 58.8% (87 of 148 first-time test takers, 2025) |
Delaware Casualty Broker-Agent Insurance Examination
| Detail | Value |
|---|---|
| Questions | 109 Total Questions (95 scores, 14 pretest) |
| Time limit | 135 minutes |
| Passing score | 70 or 80 (scaled score) |
| Pass rate | 57.7% (86 of 149 first-time test takers, 2025) |
Delaware Personal Lines Broker-Agent Insurance Examination
| Detail | Value |
|---|---|
| Questions | 128 Total Questions (115, scored, 13 pretest) |
| Time limit | 150 minutes |
| Passing score | 70 or 80 (scaled score) |
| Pass rate | 52.4% (11 of 21 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Delaware insurance licensing fees
- Initial individual fees: Resident Producer $125, Resident Limited Lines $125, Resident 17B Travel $1,025, Resident additional LOAs $25, Resident Surplus Lines Broker $275; Nonresident Producer $125, Nonresident Limited Lines $125, Nonresident 17B Travel $1,025, Nonresident additional LOAs $25, Nonresident Surplus Lines Broker $275
- Renewal fees: Resident Producer $100, Resident Limited Lines $100, Resident Surplus Lines Broker $200; Nonresident Producer $100, Nonresident Limited Lines $100, Nonresident Surplus Lines Broker $200
- Late renewal allowed up to 1 year
- Pre-licensing courses required: No
- Exam required before license
Delaware insurance license citizenship requirements
Proof of citizenship required - must comply with state requirements including address and licensing disclosures
Where can I apply for a resident insurance license in Delaware?
Apply through NIPR
How can I apply for a non-resident insurance license in Delaware?
- 1. Must be at least 18 years old.
- 2. Variable Annuities line of authority (LOA) requires a FINRA Central Registry Depository (CRD) number.
- 3. Must answer background questions.
- 4. Reciprocity generally applies. Must hold an active resident license in your home state.
- 5. Apply via NIPR and pay $125 plus NIPR processing fees.
Delaware carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Appointment exemptions: All agents must be appointed; brokers don’t require appointment
- Initial appointment deadline: Within 15 days of contract execution or first business submission
- Can be processed via NIPR: Yes
- Fees for appointing: Resident $25, Nonresident $25
- Appoint agencies: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: No
- State requires appointment renewal: No, perpetual
Delaware insurance license termination details
- Termination reasons: Voluntary, inadequate production, cancelled by general agent, death, company defunct/liquidation, company indebtedness, poor policyholder services, agent moved, appointed in error, request regulatory review
- Notes: CE noncompliance allows 1-year period to get current; appointments remain until license inactive
- Termination fee: None
- Allows carriers to terminate if license expired: Yes
- Email notice permitted as PDF attachment
Delaware insurance license renewals
Resident renewal period begins 60 days before expiration ; Resident renewal date: Last day of February every 2 years in even-numbered years ; Nonresident renewal date: Last day of February every 2 years in odd-numbered years ; Agency renewal: Dec. 1 even years to Feb. 28 odd years; late renewal with administrative fee Sept. 1 – Feb. 28/29 ; Branch offices must be licensed
Delaware insurance license continuing education (CE) requirements
- Total CE hours per renewal: 24
- Ethics: 3 hours
- Flood CE: 2 hours NFIP
- LTC CE: 3 hours product knowledge/laws
- Annuity CE: one-time 4 hours
- Adjusters: 12 hours, 3 in ethics (multi-peril crop: 24)
- Limited lines exemptions apply
- CE rollover allowed: 5 non-ethics credits
- CE transcript lookup: NAIC SOLAR
Delaware insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Delaware requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too. After you pass, you have 12 months to apply.
No. Delaware insurance exams are taken in person at Pearson VUE test centers.
Expect to pay $90 per exam for the exam and $125 for the license. Fingerprinting and any exam prep are extra.
No. Delaware does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70 or 80 (scaled score). In 2025, 52.3% of first-time test takers passed the Delaware life exam, according to the NAIC.
Yes. Resident applicants in Delaware are fingerprinted.
Apply through NIPR after you pass your exam.
Delaware requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam provider, exam fee, license fee, passing score, online exams and where to apply: pearsonvue.com
- Fingerprints: insurance.delaware.gov
- Continuing education: insurance.delaware.gov
- Time to apply after passing: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Delaware and exam provider sources as of . Licensing rules and fees change, so confirm them with the Delaware insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Delaware, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
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