Colorado
Colorado Insurance Prelicensing Requirements
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How to Obtain a Colorado Insurance License
Becoming a licensed insurance agent in Colorado requires meeting specific state-mandated requirements. This guide walks you through the process, from completing prelicensing education to maintaining your license with continuing education (CE).
Step 1: Complete a Prelicensing Course
The Colorado Division of Insurance (CDI) requires potential insurance agents to complete 50 hours of prelicensing education for each line of authority before taking the state licensing exam.
Key Notes:
- Prelicensing courses are available online and in person.
- A Certification Exam must be passed to demonstrate completion of the prelicensing requirement.
- The Certification Exam must be monitored by a disinterested third party.
- A passing score of 70% or higher is required.
- After passing the Certification Exam, you will receive a Certificate of Completion, which will be reported to the state.
- The Certificate of Completion is valid for one year.
- You must pass the state exam and apply for your license within this time period.
Step 2: Pass the Licensing Exam
After completing prelicensing education, you must take and pass the state licensing exam with a minimum score of 70%.
Exam Details:
- Testing Provider: Pearson VUE (www.pearsonvue.com)
- Exam Format: Multiple-choice questions covering general insurance knowledge and Colorado-specific regulations.
- Exam Length & Questions: Varies by line of authority:
| Exam Type | Time Limit | Number of Questions |
| Life | 2 hours | 95 |
| Accident & Health | 2 hours | 96 |
| Property | 2 hours | 90 |
| Casualty | 2 hours | 96 |
| Personal Lines | 2.25 hours | 119 |
| Public Insurance Adjuster | 1.25 hours | 55 |
Exam Scheduling:
- Schedule your exam through Pearson VUE at www.pearsonvue.com or call (800) 274-2616.
- Exams are available in-person at Pearson VUE testing centers or remotely via OnVUE.
- Exam fees must be paid at the time of reservation.
Retaking the Exam:
- If you fail the exam, you may reschedule immediately.
- A diagnostic report is provided to help identify areas for improvement.
Step 3: Apply for Your Insurance License
Once you pass the state exam, you must submit your license application within 12 months.
Application Process:
- Apply online via www.nipr.com.
- Pay the required licensing fee.
- The Colorado Division of Insurance will review your application.
- Once approved, print your license at www.sircon.com/colorado.
Step 4: Maintain Your License with Continuing Education (CE)
To keep your license active, Colorado requires insurance producers to complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE, including 3 hours of ethics training.
- Producers with Personal Lines or Property licenses must complete 3 hours of Homeowners Insurance training.
- Nonresident agents must meet their home state’s CE requirements.
For the most up-to-date CE guidelines, visit the Colorado Division of Insurance website.
Frequently Asked Questions (FAQs)
Where can I take the state exam?
- Remote exams: Available via OnVUE.
- In-person exams: Administered at Pearson VUE testing centers.
How do I schedule my licensing exam?
- Online at Pearson VUE.
- By phone at (800) 274-2616.
What is the exam format?
- Multiple-choice format covering both general insurance principles and Colorado regulations.
- The exam is taken on a computer.
What happens if I fail the exam?
- You may reschedule immediately.
- A diagnostic report will be provided to help improve performance.
How do I submit my license application?
- Submit electronically via NIPR.
- Print your license at Sircon Colorado.
Contact Information
Colorado Division of Insurance:
- Phone: (303) 894-7499
- Website: www.colorado.gov/pacific/dora/division-insurance
Pearson VUE Testing Provider:
- Phone: (800) 274-2616
- Website: www.pearsonvue.com
Start Your Insurance Prelicensing Training
Take the first step toward your insurance career today. Enroll in an approved prelicensing course and begin your journey to becoming a licensed insurance agent in Colorado!
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Disclaimer
The information provided here is based on current Colorado state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the Colorado Division of Insurance for the latest licensing details.