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Posted by Barb Gavitt, ITP, SILA-F ● February 28, 2020

How to Get a Personal Lines Insurance License

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The insurance industry is state regulated which means that the licensing requirements will vary by state. All states, however, require an individual to pass an entry-level insurance licensing exam.

What do I need to know to pass the Personal Lines Insurance exam?

To become licensed as a Personal Lines insurance producer, you will need to demonstrate entry-level knowledge of the industry by passing a state licensing exam. The testable topics include homeowners and dwelling policies, personal auto insurance, personal inland marine insurance, personal watercraft coverage, the National Flood Insurance Program, and personal umbrella coverage. You will also be tested on general insurance concepts, insurance contract terminology, covered perils, the policy structure, conditions, exclusions, endorsements, and state-specific regulations based on the state where you are applying for a license.

Steps to Get Your Personal Lines License

1. Enroll in a personal lines insurance prelicensing course

Even though not all states have a prelicensing certification requirement, it is highly recommended that all license applicants complete a program of study to successfully pass the state licensing exam.

2. Register for the state exam through your state’s designated exam provider

3. PASS your state exam with confidence!

To prepare for exam day, make sure you have the correct address and directions to the test center and plan to arrive early in case you run into any unexpected delays.
On examination day, familiarize yourself with the test center rules and procedures. Ask for ear plugs if you are easily distracted and take time to go through the testing demo to calm your nerves. Remember, don’t change any answers unless you are 100% sure of the correct answer.

4. Follow your state requirements to apply for your license!

Conclusion

Congratulations, you are on your way to becoming a licensed personal lines insurance producer!

 

Topics: Personal Lines, Prelicensing, Property & Casualty, Study Tips, Insurance

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