Life & Health Insurance License Study Courses

Starting a career in the Utah insurance industry offers a blend of stability and growth. To legally sell, solicit, or negotiate insurance for homes, vehicles, and businesses in the Beehive State, you must secure a Property and Casualty Insurance License. The process is regulated by the Utah Insurance Department (UID) and involves a specific sequence of education, testing, and background vetting.

Here is an actionable roadmap to obtaining your resident Property and Casualty License.

1. Pre-Licensing Preparation

While Utah is one of the states that does not strictly mandate a specific number of pre-licensing education hours, attempting the state exam without study and preparation is risky. The P&C exam covers complex legal concepts, policy provisions, and state-specific statutes.

• Action: Enroll in our affordable and comprehensive Utah P&C exam prep course.
• Tip: Ensure that you not only memorize definitions, but it’s also vital that you understand the concepts. You will learn more about the concepts and best practices in the course.

2. Schedule and Pass the State Exam

Utah partners with Prometric to administer licensing exams. You have the choice of taking the Property and Casualty exams separately, but most professionals opt for the combined P&C Producer exam to save time and fees.

• The Stats: The combined exam (17-04) typically consists of 150 questions with a 2.5-hour time limit.
• Passing Score: You must achieve a score of 70% or higher.
• Logistics: You can test in person at a Prometric center (locations in Salt Lake City, Taylorsville, Lindon, and St. George) or via a remote proctored environment using the ProProctor platform. The exam fee is approximately $44.

3. Complete Fingerprinting and Background Checks

Utah requires all initial resident applicants to undergo a fingerprint-based Bureau of Criminal Identification (BCI) and FBI background check.

• When to do it: In Utah, the process is streamlined. You can often complete your fingerprinting at the Prometric site immediately after passing your exam.
• The Cost: Expect to pay roughly $32 for the FBI/BCI background check fee, plus a small processing fee to the vendor (typically around $6).
• Requirement: Bring a valid government-issued photo ID and your passing exam score report to the fingerprinting appointment.

4. Submit the Formal Application

Once you have passed the exam, you must officially apply for the license. You cannot apply before passing the test.

• Platform: Applications are submitted electronically via Sircon or the National Insurance Producer Registry (NIPR).
• Fees: The standard application fee for a resident producer is $75.
• Checklist: Ensure all "yes/no" background questions are answered truthfully. Non-disclosure of past legal or financial issues is a leading cause of application denial. 

Summary of Costs

Your Utah P&C license is valid for two years and expires on the last day of your birth month. To maintain it, you must complete 24 hours of Continuing Education (CE), including 3 hours of ethics, during every renewal cycle.