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Pennsylvania Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Pennsylvania. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Pennsylvania Insurance Department website at http://www.insurance.pa.gov. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible

Pennsylvania Insurance Department

Bureau of Producer Services
1209 Strawberry Square  
Harrisburg, Pennsylvania 17120
Phone: 717-787-3840
Fax:  717-787-8553
Website: http://www.insurance.pa.gov
Email: ra-in-producer@state.pa.us

How to Get Your Pennsylvania Insurance License

 

1. Complete an Insurance Prelicensing Course

Pennsylvania requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

Candidates must complete the prelicensing education requirements of 24 hours of approved prelicensing courses, of which a minimum of 3 hours must be from an approved ethics course.  

  • Life/Accident and Health: 24 Hours
  • Life: 24 Hours
  • Accident and Health: 24 Hours
  • Property/Casualty: 24 Hours
  • Property: 24 Hours
  • Casualty: 24 Hours
  • Personal Lines: 24 Hours

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Online Course Requirements

  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.

    Prelicensing Education Exemptions

    Candidates with the following designations or certifications are generally exempt from prelicensing education and examination requirements for the indicated line of insurance authority:

    • Life or Accident and Health—CLU®
    • Property, Casualty, or Accident and Health—CPCU®
    • Life, Accident and Health or Property and Casualty—CIC
    • Adding a line of authority to an existing license does not require prelicensing education. The licensee should take a copy of his/her current producer license to the exam center.

    Note: Candidate must submit their license application within one year of passing the exam.

    Adjuster Licensing Requirements

    The Designated Home State (DHS) adjuster license is available to individuals who are 1) residents of a state that does not license adjusters, or 2) to individuals that are company adjusters and reside in a state that only licenses independent adjusters and/or public adjusters and want to designate another state as their home state.

    The states that qualify under #1 and #2 above are CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, NJ, OH, PA, SD, TN, VA, and WI.

    How to get an All-Lines Adjuster Designated Home State license in Florida

    Under the Designated Home State concept, many adjusters obtain the Florida 70-20 Non-Resident Designated Home State Adjuster license to become an All-Lines Adjuster in Florida. To qualify for the license, the adjuster must obtain a Florida-approved adjuster designation or pass the Florida All-Lines Adjuster state examination, and complete Florida’s biennial continuing education requirement. 

    Obtaining the 70-20 license allows company and independent adjusters residing in the states above to adjust claims in Florida, all states that have adjuster reciprocity with Florida, and states that accept the Florida DHS Adjuster license.

    The Certified All-Lines Adjuster (CALA) designation is offered by Kaplan pursuant to the authority of Florida Statute §626.221 and with the approval of the Florida Department of Financial Services (DFS). Completion of the CALA designation course allows a prospective licensee to receive their Florida 70-20 license without taking the Florida state licensing exam. 

    Select the link below to see the requirements for obtaining a Florida 70-20 Designated Home State Adjuster license.

    https://www.myfloridacfo.com/division/agents/licensing/agents-and-adjusters 

    How to get a Property-Casualty Adjuster Designated Home State license in Texas

    Some adjusters elect to designate Texas as their Designated Home State and obtain the Texas Designated Home State (DHS) Adjuster license. 

    Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license. Therefore, the licensing candidate can satisfy their Texas adjuster prelicensing requirement and pass the Texas P/C Adjuster state licensing exam online through Kaplan without leaving their home or office. Upon completing the Kaplan course and successfully passing the course exam, the adjuster can remotely apply for their Texas P/C Adjuster license using the procedures found on the Texas State Requirements page. This will qualify them to adjust in both their home state and all states that accept the Texas DHS Adjuster license.

    Completion Reporting

    Kaplan will automatically report your completion of the Certified All-Lines Adjuster (CALA) designation to the Florida DFS in 5-7 business days. An online PDF Certificate of Completion is also available to download and print immediately after the final exam is passed. 
    State Reporting Fees

    Pennsylvania has state reporting fees. You will be charged at the onset of taking your Certification Exam for the State of Pennsylvania. Prices do not include tax, shipping and handling, or state reporting fees. 

    2. Pass Your Pennsylvania Licensing Exam

    After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Pennsylvania licensing exams, so you will be prepared to pass the first time. 

    Exam Provider: PSI

    For exam information and for scheduling, go to the PSI website: https://www.psiexams.com/test-takers/ 
    Phone Number: (800) 733-9267


    3. Get Fingerprinted

    Information about Fingerprinting can be found on the PA Insurance Department Website: https://www.insurance.pa.gov/Licensees/MaintainYourLicense/Pages/Fingerprinting-Information.aspx 

     

    4. Apply for a Pennsylvania Insurance License

    For Information, Rules and Requirements, an FAQ and to apply, please go to the NIPR website: https://nipr.com/licensing-center/state-requirements/pennsylvania-resident-licensing-individual 

     

    5. Plan to Complete Required Insurance Continuing Education (CE) Credits

    Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

    Learn how to renew Pennsylvania insurance license by clicking here.

    Select a Line of Authority and Start Earning Your License Today:

    Life & Health

    This license qualifies you to explain, sell, and write life and health insurance products in Pennsylvania.

     

    Property & Casualty

    This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Pennsylvania.

    Personal Lines

    This license qualifies you to sell a variety of insurance plans directly to consumers in Pennsylvania.

     

    Adjuster

    This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Pennsylvania.