Utah insurancelicense requirements
Utah insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Prometric
- Exam fee
- $32 single, $44 combined
- License fee
- $75
- Fingerprints
- Required, through Prometric
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Utah
Below, you'll find the steps to a Utah insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Utah insurance producers
Contact the Utah insurance department
How much do insurance agents make in Utah?
Utah average insurance agent salary (all lines): $76,740
That is the mean annual wage for insurance sales agents in Utah 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: $80,994
- Health insurance agent: $50,207
- Property and casualty insurance agent: $43,487
Please note that salaries will vary based on experience level and local demand.
Does Utah require prelicensing education?
No, Utah 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 Utah?
Becoming an insurance producer in Utah 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 taking an exam prep course to better prepare for your licensing exam.
- Step 2: Schedule your exam with Prometric by visiting https://www.prometric.com/utah/insurance. Exams can be taken at a Prometric center or via a remote online proctor. The fee is $32 for a single-line exam and $44 for a combined Life and Health or Property and Casualty exam. Payment is required at the time of booking. To reschedule, you must do so at least 24 hours in advance; failure to do so will result in forfeiting your exam fee.
- Step 3: On exam day, bring a valid government-issued ID (driver’s license, passport, military I.D.) with a photo and signature. If your ID does not have both, bring two IDs: one with a photo and one with a signature. Failure to meet these ID requirements will prevent you from taking the exam. Strict security measures are in place for all testing methods. For details on what is allowed in the testing center, see the candidate bulletin at https://www.prometric.com/utah/insurance. Upon passing, you will receive a score report. If you do not pass, you will receive a report detailing your strengths and weaknesses.
- Step 4: After passing, apply for your license through NIPR or Sircon.
- Step 5: After you apply, Utah requires fingerprinting for resident applicants. Complete live scan fingerprinting at a Prometric test center. The $32 FBI/BCI fee is paid in your license application, and Prometric charges a separate $6 processing fee.
If you need assistance with any of these steps or have questions about specific requirements, contact the Utah insurance department for the most current information.
Utah insurance exam information
Utah Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 66.2% (1,229 of 1,856 first-time test takers, 2025) |
Utah Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 76.8% (322 of 419 first-time test takers, 2025) |
Utah Life, Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 71.3% (1,679 of 2,354 first-time test takers, 2025) |
Utah Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 75.0% (3 of 4 first-time test takers, 2025) |
Utah Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 60.0% (3 of 5 first-time test takers, 2025) |
Utah Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 71.0% (771 of 1,086 first-time test takers, 2025) |
Utah Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 62.8% (76 of 121 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
Utah insurance licensing fees
- Resident new license fees: Insurance Producer $75; Surplus Lines Broker $75; Limited Lines $50
- Nonresident new license fees: Insurance Producer $75; Surplus Lines Broker $75; Limited Lines $50
- Renewal fees: Resident Producer $75; Surplus Lines $75; Nonresident Producer $75; Nonresident Surplus Lines $75
- Late renewal/reinstatement: up to 1 year after expiration
Utah insurance license citizenship requirements
Background check and fingerprints required (Live Scan at exam site) for resident licensing
How can I apply for a non-resident insurance license in Utah?
- 1. Must be at least 18 years old.
- 2. Reciprocity generally applies. Must have an active license in your resident state.
- 3. Surplus requires P&C.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $75 plus NIPR processing fees.
Utah carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 15 days of contract execution or first business submission- earlier of the two
- Appointment deadline rule: UT ADC R590-244- insurers and agencies must submit electronically within 15 days; must state effective date
- Can be processed via NIPR: Yes
- Fees for appointing a resident agency or individual: No fees
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: Yes
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes- date supplied must not be future and <15 days old
- State requires appointment renewal: No, perpetual
Utah insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Cancelled; cancelled for cause
- Termination date can be specified by carrier: Yes- date supplied must not be future and <15 days old
- Allows carriers to terminate the appointment if license expired: No
- Not-for-cause termination notices can be emailed (body text allowed)
Utah insurance license renewals
Resident renewal period begins: 90 days before expiration ; Renewal date: Last day of birth month every 2 years based on first license issue year ; Late renewal/reinstatement: up to 1 year after expiration ; Nonresident renewal period begins: 90 days before expiration ; Renewal date: Last day of birth month every 2 years
Utah insurance license continuing education (CE) requirements
- Total CE hours: 24 every 2 years
- CE due before license renewal
- Ethics & consumer protection: 3 hours
- Major lines: 12 hours classroom/classroom-equivalent
- Flood (NFIP): 3 hours
- LTC: 3 hours initial + 3 hours per renewal period
- Annuity-specific training required
- CE instructors: double credit first time per course
- Missed CE: Reinstatement 4th day to 365 days after license inactivation
- Exemptions for long-time licensees and certain professional designations
- Additional line-specific CE requirements apply
Utah 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. Utah 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 90 days to apply.
Yes. Utah candidates can test online with a remote proctor through Prometric, or in person at a test center.
Expect to pay $32 single, $44 combined for the exam and $75 for the license. Fingerprinting and any exam prep are extra.
No. Utah does not require a prelicensing course, though a course helps you prepare for the exam.
Yes. Resident applicants in Utah are fingerprinted through Prometric.
Apply through Sircon or NIPR after you pass your exam.
Utah 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 and fingerprints: insurance.utah.gov
- Exam fee, license fee, where to apply and time to apply after passing: prometric.com
- Continuing education: insurance.utah.gov
- Online exams: insurance.utah.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Utah and exam provider sources as of . Licensing rules and fees change, so confirm them with the Utah insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Utah, 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?
