How to Become a Licensed Life and/or Health Insurance Agent/Broker

For Licensing in HEALTH OR LIFE INSURANCE lineS of authority:*

Research State-Specific Requirements
- Check your state’s insurance department website for specific licensing requirements.
- Understand the license type you need, such as a Health Insurance License or Accident and Health License.
Complete Pre-Licensing Education
- Enroll in a state-approved pre-licensing course.
- Most states require 20–40 hours of coursework, which can often be completed online or in person.
- Topics typically include: Health Insurance Policies, State Laws and Regulations, and Ethics and Compliance.
Pass the Licensing Exam
- Register for the health insurance licensing exam through your state’s approved testing provider (e.g., Pearson VUE or Prometric).
- Pay the exam fee (usually $50–$150).
- Study materials provided by your pre-licensing course and take practice exams.
- Take the proctored test at a designated center or online. Topics typically include: Types of health insurance, Policy Provisions, and Federal and State Regulations.
- A passing score is required (usually 70% or higher).
Complete a Background Check and Fingerprinting
- Most states require a background check and fingerprinting as part of the licensing process.
- Schedule and complete this through your state or a State-approved third-party vendor.
Submit Your Application
- Apply for your license through the National Insurance Producer Registry (NIPR) or your state’s insurance department.
- Pay the application fee (varies by state, typically $50–$200).
- Provide necessary documentation, such as proof of education, exam results, and identification.

*Note that each State. has their own specific requirements; use this as a basic guide but verify all information with your specific State.

ADDITIONAL STEPS For Licensing HEALTH OR LIFE INSURANCE lineS of authority:

Obtain Errors and Omissions (E&O) Insurance
- Purchase E&O insurance (See below for a few carriers who offer E&O insurance) to protect yourself from liability and fulfill carrier requirements.
- This coverage is often required before contracting with insurance carriers.
Get Appointed with Insurance Carriers
- Contract with insurance companies to sell their policies.
- Complete product-specific training required by each carrier (e.g., Medicare Advantage, ACA plans).
Maintain Your License
- Fulfill continuing education (CE) requirements, typically every 1–2 years, to keep your license active..
- CE hours and topics vary by state but often include ethics and industry updates.
- Pay renewal fees as required by your state.
Additional Resources:
- National Insurance Producer Registry (NIPR):
- State Insurance Department Requirements: Check your specific state’s website for detailed guidance.
E&O Insurance Providers:
NAPA (National Association of Professional Agents)
Offers comprehensive E&O insurance for life and health agents, with plans starting as low as $26.25 per month.
SuranceBay
Provides E&O insurance specifically designed for life and health insurance agents, with coverage options starting at $26.17 per month.

*Note that Breeze FMO does not recommend any specific E&O Carrier; these are just well-known carriers that are common with Insurance Agents.

STATE-APPROVED PRE-LICENSING COURSES

At Breeze FMO, we are excited to partner with XCel to offer you pre-licensing health and/or life courses, for all States, at a fraction of the cost!

Visit our XCel Solutions Partner Page to purchase and take all health and life pre-licensing coursework.

Go to XCel Solutions Partner PageDiscounts are already applied in this partner page.

Once there, simply scroll down the page a bit to select your State, select the education course you are seeking, and the line(s) of authority you are seeking to get licensed in.

For Additional Instructions, see below.

ADDITIONAL INSTRUCTIONS FOR OUR XCEL PARTNER PAGE

Click Your Respective Resident State.
Under Education, select "GET LICENSE".
Under Line of Authority, select the line of authority that you are seeking to obtain.
-Example 1: If you have never been licensed and wish to only be licensed in Life, select "LIFE" only. Same for Health. If you wish to become licensed in both Health and Life, select "LIFE AND HEALTH".
-Example 2: If you have a Life license currently and wish to add Health, you can simply select "HEALTH" and complete that pre-licensing course and complete the rest of the requirements above that are State-specific to obtain that specific license.
-Example 3: If you have a Health license currently and wish to add Life, you can simply select "LIFE" and complete that pre-licensing course and complete the rest of the requirements above that are State-specific to obtain that specific license.
Click on "FIND COURSES".
Once on the next page, do NOT click the Premier Course(s); click the discounted standard course(s) to receive the discount.

Note: There is NO partner-sponsored discount for any of the PREMIER courses but most of the regular courses are discounted at about an 80% discount. The discounted courses are the ones that all of our agents use to become an agent but we *highly recommend*** taking detailed notes and studying for your proctored exam. This test can be VERY difficult if you do not study and take the time to understand the material.

Also note that after purchasing the course, you will only have 30 days to complete the course in its entirety. After 30 days, you can pay for an extension, but the extension is at or around the same price you paid for the original discounted course. We have no agreement in place with Xcel to discount extensions. We, at Breeze FMO, do not have any access to your coursework so if you forget your password, have billing issues, etc, you will have to reach out to Xcel directly by accessing their Customer Support Website or by calling them directly at (866) 559-9235.