Pennsylvania insurancelicense requirements
Pennsylvania insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $45 single, $55 combined
- License fee
- $55
- Fingerprints
- Required, through IdentoGO
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Pennsylvania
Below, you'll find the steps to a Pennsylvania insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Pennsylvania insurance producers
Contact the Pennsylvania insurance department
How much do insurance agents make in Pennsylvania?
Pennsylvania average insurance agent salary (all lines): $88,590
That is the mean annual wage for insurance sales agents in Pennsylvania 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: $89,182
- Health insurance agent: $55,283
- Property and casualty insurance agent: $47,883
Please note that salaries will vary based on experience level and local demand.
Does Pennsylvania require prelicensing education?
No, Pennsylvania 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 Pennsylvania?
Becoming an insurance producer in Pennsylvania 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): Consider completing a prelicensing course to better prepare for your licensing exam.
- Step 2: Schedule your exam with PSI at https://test-takers.psiexams.com/pain or by calling (888) 818-5822. You can take the exam at a PSI center or via a remote online proctored exam. Payment is required at the time of reservation. To change or cancel your appointment, contact PSI at least 48 hours in advance or forfeit the examination fee. Note: A voicemail message is not acceptable; use the PSI website or speak directly with a Customer Service Representative.
- Step 3: On exam day, bring one valid government-issued ID (driver’s license, passport, military ID) with your name and photograph. If this requirement is not met, you will not be able to take the exam. For details on security measures, review the candidate bulletin at PSI Exams at https://test-takers.psiexams.com/pain. Results will be shown on-screen and emailed to you. Note: For remotely proctored exams, you must end both the exam and survey portions to receive your results.
- Step 4: Apply for your license through NIPR at https://nipr.com/ or at Sircon https://www.sircon.com/. Pennsylvania requires fingerprinting. Complete your application before scheduling fingerprinting. Schedule an appointment at the IdentoGO website or call (844) 321-2101, and use the service code 1KGBGJ.
If you need assistance with any of these steps or have questions about specific requirements, contact the Pennsylvania insurance department for the most current information.
Pennsylvania insurance exam information
Pennsylvania Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 55.4% (2,542 of 4,586 first-time test takers, 2025) |
Pennsylvania Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 54.7% (572 of 1,045 first-time test takers, 2025) |
Pennsylvania Life, Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2 Hours and 50 Minutes |
| Passing score | 70% |
| Pass rate | 61.1% (3,075 of 5,035 first-time test takers, 2025) |
Pennsylvania Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2 Hours and 50 Minutes |
| Passing score | 70% |
| Pass rate | 53.4% (1,310 of 2,455 first-time test takers, 2025) |
Pennsylvania Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 43.5% (134 of 308 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
Pennsylvania insurance licensing fees
- Resident new license producer (all lines): $55; limited-lines: $55; surplus-lines producer: $200
- Nonresident new license producer: $110; surplus-lines producer: $200
- Renewal fees - resident producer: $55; limited-lines: $55; surplus-lines: $200; nonresident same as new fees
Pennsylvania insurance license citizenship requirements
Resident licensing requires FBI background check; fingerprints required for resident licensing
How can I apply for a non-resident insurance license in Pennsylvania?
- 1. Must be at least 18 years old.
- 2. Variable requires FINRA CRD number.
- 3. Title authority requires exam, bond, and fingerprints.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $110 plus NIPR processing fees.
Pennsylvania carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: No (Registry-style)
- Initial appointment deadline: Prior to solicitation of business; notice must be submitted within 30 days of contract effective date
- Can be processed via NIPR: Yes
- Fees for appointing resident or nonresident agency/individual: $15
- Appoint agencies: Yes
- Adjuster appointments via NIPR: No
Pennsylvania insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Voluntary; inadequate production; cancelled by general agent; death; company defunct/liquidation; company indebtedness; poor policyholder services; appointed in error
- Termination date can be specified: Yes; must not precede appointment effective date, not future, < 30 days old
- Termination fee: None
- Allows termination if license expired: No
- Not-for-cause notices may be emailed; email body permitted
Pennsylvania insurance license renewals
Renewal period begins: 60 days before expiration ; Renewal date: Last day of birth month every 2 years based on first license issue year ; Late renewals/reinstatement: Late renewal up to 61 days after expiration; reinstatement up to one year after expiration
Pennsylvania insurance license continuing education (CE) requirements
- CE total hours per period: 24 every 2 years
- CE due before license renewal: Yes
- License renewal date: Last day of birth month
- Ethics: 3 hours
- Flood: 3 hours NFIP course (for property/casualty lines)
- LTC: 8-hour initial + 4 hours every 2 years
- Annuity: one-time 4-hour course
- Public adjusters (if licensed) must meet CE, same cycle
- CE transcripts link: https://www.pa.gov/agencies/insurance/licensing/licensees/continuing-education-requirements.html
Pennsylvania 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. Pennsylvania 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 1 year to apply.
Yes. Pennsylvania candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $45 single, $55 combined for the exam and $55 for the license. Fingerprinting and any exam prep are extra.
No. Pennsylvania does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70%. In 2025, 61.1% of first-time test takers passed the Pennsylvania life and health exam, according to the NAIC.
Yes. Resident applicants in Pennsylvania are fingerprinted through IdentoGO.
Apply through NIPR or Sircon after you pass your exam.
Pennsylvania 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, license fee, fingerprints and where to apply: pa.gov
- Exam provider, exam fee, passing score, online exams and time to apply after passing: test-takers.psiexams.com
- Continuing education: pa.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Pennsylvania and exam provider sources as of . Licensing rules and fees change, so confirm them with the Pennsylvania insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Pennsylvania, 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.
Interested in insurance licensing in other states?
