Become an Insurance Agent

How To Become an Insurance Agent

Insurance Schools, Inc. provides prelicensing and continuing education for insurance agents / producers, claims adjusters and securities representatives who wish to become licensed. Our licensing products include:

The requirements to become a licensed Insurance Agent vary from state to state, however, some of the general rules apply in most all states. Some of the requirements are:

  • An individual must be at least 18 years of age or older;
  • Reside in the state where they are seeking an insurance license;
  • Cannot be convicted of a felony; and,
  • Must be appointed as an agent by a licensed insurer.

Many states require that you attend and pass a prelicensing course to become certified to sit for the state insurance exam. Other states allow students to purchase a textbook course and study on their own before taking the state insurance exam. And still others have no prelicensing education requirement at all. You should visit your state Insurance Department Website for the details specific to your state.

Additional requirements are that an agent must not write "controlled business" on himself, his relatives or employees only, and shall be trustworthy and competent. This requirement is to ensure that a person does not acquire an insurance license for the sole purpose of insuring himself and his family.

An insurance agent represents the insurer (insurance company) and must not place any business with any insurer not admitted to do business in the state.

An agent may not accept business from a broker or agent who is not licensed in the state.

To become licensed in a state other than the state where the agent resides, he/she must apply for a "non-resident agent" license. All non-resident licensees must first have a resident license in his or her home state before a non-resident license will be issued.