How to Get a Life and Health Insurance License in Pennsylvania

Thinking of launching a career in life and health insurance in Pennsylvania? You're not alone. With a growing demand for financial protection and retirement planning, becoming an insurance agent is a smart move. But before you can start helping clients secure their financial futures, you’ll need to obtain your license. Here's everything you need to know to make it happen.

1. Meet the Basic Eligibility Requirements

To qualify for a life insurance license in Pennsylvania, you must:

Be at least 18 years old
Have a valid Social Security number
Be a legal U.S. resident or possess a valid work permit

2. Complete A Pre-Licensing Education Course

Pennsylvania doesn’t require life insurance license applicants to complete pre-licensing education, however you will definitely need to study in order to pass your exam.

3. Schedule and Pass the Exam

After completing your pre-licensing course, it’s time to schedule the license exam through PSI, the state’s official testing vendor.

Exam Overview:

Format: Multiple choice
Length: 2 hours
Passing Score: 70%
Topics Covered: Insurance policies, policy riders, annuities, insurance laws, ethics, and more.

4. Complete a Background Check and Fingerprinting

Pennsylvania requires a criminal background check and fingerprinting for all new applicants. You must schedule your fingerprints through IdentoGO, the state’s authorized vendor.

5. Apply for Your License

Once you’ve passed the exam and completed your fingerprinting, it’s time to officially apply for your license through the National Insurance Producer Registry (NIPR).

Final Thoughts

Getting your life and health insurance license in Pennsylvania is a clear, structured process. While it takes effort and preparation, the rewards—both professionally and financially—are worth it. Follow these steps, stay organized, and before you know it, you'll be helping clients build a more secure future.