Key Takeaways
- Illinois requires 20 hours of pre-license education per line of authority (Life and Health are separate lines)
- At least 7.5 hours of pre-license education must be classroom or webinar instruction (not self-study)
- Pearson VUE administers Illinois insurance exams at testing centers only (no remote testing as of January 17, 2025)
- The Life and Health exam requires a 70% passing score
- License applications must be submitted within 180 days of passing the exam
Illinois Producer Licensing Requirements
Illinois has specific requirements for obtaining a Life and Health insurance producer license. Understanding these requirements is essential for exam success.
Pre-License Education Requirements
Current Requirements
| License Type | Pre-License Hours | Classroom/Webinar Minimum |
|---|---|---|
| Life Only | 20 hours | 7.5 hours |
| Health Only | 20 hours | 7.5 hours |
| Life and Health | 40 hours total | 15 hours |
Key Points:
- Pre-license courses must be completed at IDOI-approved schools
- At least 7.5 hours per line must be classroom or live webinar instruction
- Self-study courses can fulfill the remaining hours
- Course completion certificate is required to schedule the exam
Education Format Requirements
Illinois distinguishes between:
- Classroom instruction - In-person at approved locations
- Live webinar - Real-time online instruction with instructor
- Self-study - Online or text-based without live instruction
Exam Tip: Remember that 7.5 hours per line MUST be classroom or live webinar. This is a frequently tested Illinois-specific requirement.
Examination Requirements
The Illinois Life and Health examinations:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Pearson VUE |
| Testing Format | Testing center only (no remote testing as of 1/17/2025) |
| Passing Score | 70% |
| Exam Fee | Varies by exam |
| Retake Policy | Can retake after waiting period |
Important Testing Note
As of January 17, 2025, Illinois insurance exams are administered only at Pearson VUE testing centers. Remote proctored testing is not available for Illinois insurance exams.
Examination Process
- Complete pre-license education at approved school
- Schedule exam with Pearson VUE online or call
- Test at Pearson VUE center - Locate nearest center
- Bring valid ID with photo (driver's license, passport)
- Receive results immediately after exam
Background Check Requirements
Illinois requires background checks for insurance license applicants:
Background Check Process
- Fingerprinting: May be required for certain applicants
- Criminal History: IDOI reviews criminal background
- Timing: Completed as part of the application process
Disqualifying Factors
IDOI considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. IDOI considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
- Submit application within 180 days of passing the exam
- Apply through NIPR (National Insurance Producer Registry)
- Pay license fee
- Complete background check requirements
- Receive license after IDOI review
Application Deadline
If you do not apply within 180 days of passing the exam, you must retake and pass the exam again.
License Types and Lines of Authority
| Line of Authority | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident and Health | Health, disability, LTC insurance |
| Life and Health | All life and health products |
Resident vs. Non-Resident
- Resident License: For those residing in Illinois
- Non-Resident License: For producers licensed in their home state seeking to do business in Illinois
What is the passing score for the Illinois Life and Health insurance exam?
How many hours of pre-license education must be classroom or live webinar instruction in Illinois for each line of authority?
Within how many days of passing the exam must an Illinois license application be submitted?