Vermont insurancelicense requirements
Vermont insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Prometric
- License fee
- $60
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Vermont
Below, you'll find the steps to a Vermont insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Vermont insurance producers
Contact the Vermont insurance department
How much do insurance agents make in Vermont?
Vermont average insurance agent salary (all lines): $83,700
That is the mean annual wage for insurance sales agents in Vermont 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: $94,596
- Health insurance agent: $53,922
- Property and casualty insurance agent: $50,790
Please note that salaries will vary based on experience level and local demand.
Does Vermont require prelicensing education?
No, Vermont 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 Vermont?
Becoming an insurance producer in Vermont 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 help prepare for your licensing exam.
- Step 2: Schedule your exam through Prometric at https://www.prometric.com/exams/insurance-vt or by calling (800) 868-6113. Exams are available at Prometric centers or online with a proctor. Payment is required at the time of scheduling. To reschedule, you must do so at least 24 hours before your appointment to avoid forfeiting your exam fee.
- Step 3: On exam day, bring a valid government-issued ID (driver’s license, passport, military ID) that includes both a photo and a signature. If your ID does not have both, bring two IDs: one with a photo and one with a signature. Failure to meet these requirements will prevent you from taking the exam. Security measures are enforced for all testing methods. For details on what is allowed, review the candidate bulletin at https://www.prometric.com/sites/default/files/2019-09/VTINSLIB.pdf. After completing your exam, you will receive a score report with your overall score, the percentage of correct answers, and whether you passed or failed.
- Step 4: Apply for your license through NIPR at https://www.nipr.com/ after waiting 48 hours following your exam.
If you need assistance with any of these steps or have questions about specific requirements, contact the Vermont insurance department for the most current information.
Vermont insurance exam information
Vermont Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (includes 5 unscored questions) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 68.1% (49 of 72 first-time test takers, 2025) |
Vermont Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (includes 5 unscored questions) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 84.6% (11 of 13 first-time test takers, 2025) |
Vermont Life, Accident and Health and HMO Insurance Examination
| Detail | Value |
|---|---|
| Questions | 155 Total Questions (includes 5 unscored questions) |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 53.7% (72 of 134 first-time test takers, 2025) |
Vermont Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (includes 5 unscored questions) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 60.0% (3 of 5 first-time test takers, 2025) |
Vermont Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (includes 5 unscored questions) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 40.0% (2 of 5 first-time test takers, 2025) |
Vermont Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 155 Total Questions (includes 5 unscored questions) |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 55.8% (48 of 86 first-time test takers, 2025) |
Vermont Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (includes 5 unscored questions) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 57.1% (4 of 7 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
Vermont insurance licensing fees
- Resident new license: Insurance Producer $60; Surplus Lines Broker $430
- Nonresident new license: Retaliatory fee
- Renewal: Insurance Producer $30; Surplus Lines Broker $400; Nonresident fees vary by retaliatory rules
- Late renewal/reinstatement: See retaliatory fee rules
Vermont insurance license citizenship requirements
Fingerprints not required
Where can I apply for a resident insurance license in Vermont?
Apply through NIPR
How can I apply for a non-resident insurance license in Vermont?
- 1. Must be at least 18 years old.
- 2. Reciprocity generally applies. Must hold an active resident license.
- 3. Variable Life and Variable Annuity must provide FINRA CRD number; Surplus Lines require P&C; Title applicants may need exam or bar admission.
- 4. Must answer background questions.
- 5. Apply via NIPR.
Vermont 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: VT ST T. 8 § 4813l(c,d,g)- notice of appointment must be filed within 15 days from agency contract execution or first insurance application
- Can be processed via NIPR: Yes
- Fees for appointing a resident agency or individual: $30
- Fees for nonresident: $30 + $80–$90 per LOA depending on line
- Appoint agencies: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: No
- State requires appointment renewal: Yes- domestic carriers no fee, foreign carriers $80–$90 per LOA, via NIPR
- Licenses require appointment or affiliation: No
Vermont insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Death, appointed in error, cancelled
- Termination date can be specified: No
- Termination fee: No
- Allows carriers to terminate if license expired: No
- Not-for-cause termination notices must be mailed
Vermont insurance license renewals
Resident renewal period begins: 90 days before expiration ; Resident renewal date: March 31 every 2 years (odd-numbered years) ; Nonresident renewal period: 90 days before expiration ; Nonresident renewal date: March 31 every 2 years (odd-numbered years)
Vermont insurance license continuing education (CE) requirements
- Total CE hours: 24 every 2 years
- CE due before license renewal
- Ethics: 3 hours
- Major lines: 3 hours NFIP flood (Property/Casualty)
- LTC: 8-hour initial + 4 hours per 2 years
- Annuity: one-time 4-hour course
- CE instructors: get credit
- Missed CE: Reinstatement available
- CE transcript lookup: https://sbs.naic.org/solar-external-lookup/license-manager
Vermont 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. Vermont requires no prelicensing course, so you can book your exam as soon as you are ready. After you pass, you have 2 years to apply. The state gives this processing time: usually within 48 hours.
Expect to pay $60 for the license. Any exam prep is extra.
No. Vermont does not require a prelicensing course, though a course helps you prepare for the exam.
Apply through NIPR after you pass your exam.
Vermont 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, continuing education, where to apply and processing time: dfr.vermont.gov
- Exam provider and time to apply after passing: nipr.com
- License fee: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Vermont and exam provider sources as of . Licensing rules and fees change, so confirm them with the Vermont insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Vermont, 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?
