Minnesota

Minnesota Insurance Prelicensing Requirements
Provider Number: [Enter Provider Number]

How to Obtain a Minnesota Insurance License

The Minnesota Department of Commerce requires all individuals selling insurance to obtain a valid insurance producer license. This guide outlines the step-by-step process for obtaining your Minnesota insurance license.

Step 1: Complete a Prelicensing Course

Before taking the state licensing exam, you must complete a prelicensing education course approved by the Minnesota Department of Commerce. The required hours per line of authority are:

Line of AuthorityRequired Hours
Life Insurance20 hours
Accident & Health Insurance20 hours
Life, Accident & Health40 hours
Property Insurance20 hours
Casualty Insurance20 hours
Property & Casualty40 hours
Personal Lines20 hours

Certification Exam & Completion Certificate:

  • A Certification Exam must be passed with a 70% or higher.
  • The exam must be monitored by a disinterested third party.
  • Upon passing, you will receive a Certificate of Completion, which must be presented at the state exam.
  • The certificate is valid for one year.

Step 2: Schedule and Pass the Licensing Exam

Once you complete your prelicensing education, you must pass the Minnesota state insurance licensing exam.

Exam Details:

  • Register through PSI at www.psiexams.com or call (866) 395-1006.
  • Exams are multiple-choice and require a 70% or higher to pass.
  • A valid government-issued photo ID and Certificate of Completion are required for testing.
  • Exams may be taken in-person at a PSI testing center or remotely through PSI Bridge.
  • If you fail, you may reschedule the next day.

Exam Duration & Question Format:

Exam TypeTime LimitNumber of Questions
Life Producer Exam2 hours85
Accident & Health Producer Exam2 hours85
Life, Accident & Health Producer Exam3 hours145
Property Producer Exam2 hours85
Casualty Producer Exam2 hours85
Property & Casualty Producer Exam3 hours145
Personal Lines Producer Exam2 hours94
Farm Property & Liability Producer Exam1 hour35
Property & Casualty Adjuster Exam1 hour35
Crop Adjuster Exam1 hour35
Workers Compensation Adjuster Exam1 hour35

Step 3: Get Fingerprinted

Minnesota requires fingerprinting for all resident applicants.

Fingerprinting Process:

  • Make an appointment through PSI.
  • Fingerprints are submitted for a background check.

Step 4: Apply for Your Insurance License

After passing the exam, you must wait 24 hours before applying for your license.

Application Process:

  • Apply online through NIPR (www.nipr.com) or Sircon.
  • Pay the required application fee.
  • Once approved, you can print your license from the Minnesota Department of Commerce website.

Step 5: Maintain Your License with Continuing Education (CE)

To keep your Minnesota insurance license active, you must complete continuing education (CE) every two years.

CE Requirements:

  • 24 hours of CE, including 3 hours of ethics training.
  • Additional CE requirements apply for those selling long-term care (LTC) and annuities.
  • Nonresident producers must meet their home state’s CE requirements.
  • If CE requirements are not met, your license will lapse.

Visit the Minnesota Department of Commerce website for the most up-to-date CE guidelines.

Frequently Asked Questions (FAQs)

Where can I find more exam information?

Am I exempt from prelicensing education?

  • You may qualify for an exemption if you hold one of the following:
    • 4-year business degree with an insurance emphasis
    • 2-year vocational insurance degree
    • Industry designations (CEBS, ChFC, CIC, CLU, FLMI, LUTCF, AAI, ARM, CPCU, RHU, REBC, HIA)

Where will I take the state exam?

  • Exams are available remotely through PSI Bridge or in-person at a PSI testing site.

How do I schedule my exam?

How should I prepare for my remote exam?

  • Test computer, webcam, and microphone compatibility before scheduling.
  • Download PSI Bridge at least 24 hours before the exam.
  • Log in 30 minutes before your exam time.
  • Remote proctoring requires you to be alone in a private room.
  • Food, gum, tobacco, phones, headphones, and watches are prohibited.

What happens if I fail my exam?

  • You will receive a diagnostic report.
  • You may reschedule the next day.

What is the format of the state exam?

  • Computer-based, multiple-choice format.
  • Covers general insurance product knowledge and Minnesota-specific insurance laws.
  • Practice exams are highly recommended.

What score do I need to pass?

  • A minimum passing score of 70% is required.
  • Results are provided immediately after completion.

Contact Information

Minnesota Department of Commerce:

National Insurance Producer Registry (NIPR):

PSI Exams:

Start Your Insurance Prelicensing Training

Take the first step toward your Minnesota insurance career today. Enroll in an approved prelicensing course to begin your journey!

[Start Your Course Now]

Disclaimer

The information provided here is based on current Minnesota regulations but may be subject to updates. We strive for accuracy but recommend verifying details with the Minnesota Department of Commerce for the latest licensing requirements.