Key Takeaways
- Tennessee REQUIRES 40 hours of pre-license education for combined Life, Accident & Health
- Pearson VUE administers Tennessee insurance licensing exams
- The passing score is 70% (scaled score)
- Exams have 50-117 questions and are 1-2 hours long
- Fingerprinting through IdentoGO is required for all first-time applicants
Tennessee Producer Licensing Requirements
Tennessee has specific requirements for obtaining a Life, Accident & Health insurance license.
Pre-License Education Requirements
Required Hours
| License Type | Pre-License Hours |
|---|---|
| Life Only | 20 hours |
| Accident & Health Only | 20 hours |
| Life, Accident & Health (Combined) | 40 hours |
| Property Only | 20 hours |
| Casualty Only | 20 hours |
| Property & Casualty (Combined) | 40 hours |
Key Points:
- Must complete at TDCI-approved schools
- Online and classroom options available
- Certificate of completion required for exam registration
Important: Tennessee REQUIRES pre-license education. You cannot sit for the licensing exam without completing the required coursework.
Course Content
The 40-hour pre-license course must cover:
- Life insurance fundamentals
- Annuities and retirement products
- Accident and health insurance principles
- Tennessee insurance law and regulations
- Ethics and producer responsibilities
Examination Requirements
The Tennessee Life, Accident & Health examination details:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Pearson VUE |
| Exam Format | Computer-based, multiple choice |
| Questions | 50-117 questions per exam |
| Time Limit | 1-2 hours depending on exam |
| Passing Score | 70% (scaled score) |
| Exam Fee | $59 |
| Testing Options | Testing center or OnVUE remote proctoring |
Exam Structure
The exam covers:
- General section with basic insurance product knowledge
- State section with Tennessee-specific laws, rules, regulations, and practices
Examination Process
Scheduling the Exam
- Complete pre-license education at approved school
- Schedule exam through Pearson VUE
- Online at pearsonvue.com/tn/insurance
- Phone: (800) 274-4957
- Reserve at least 24 hours in advance
- Choose testing option:
- Pearson VUE testing center
- OnVUE online proctored exam
Exam Day Requirements
What to Bring:
- Two forms of valid ID
- Primary ID must be government-issued with photo and signature (driver's license, passport)
- Secondary ID must contain a valid signature and not be expired (debit/credit card)
- Name on ID must match registration exactly
Testing Rules:
- No cell phones or electronic devices at testing station
- No personal items at testing station
- Results provided immediately after completing exam
Fingerprinting Requirements
Tennessee requires fingerprinting for all first-time resident producer and adjuster applicants:
Fingerprinting Process
| Requirement | Details |
|---|---|
| Provider | L-1 Enrollment Services / IdentoGO |
| Registration | Online at www.tn.ibtfingerprint.com or call (855) 226-2937 |
| Fee | $35.15 |
| Purpose | Criminal background check |
Important: All first-time individual resident producer and adjuster applicants must submit fingerprints through L-1 Enrollment Services for a background check.
License Application
After passing the exam:
Application Steps
- Complete pre-license education at approved school
- Pass the state exam at Pearson VUE
- Complete fingerprinting through IdentoGO
- Apply online through NIPR (www.nipr.com)
- Pay application fee ($50 + $5.60 transaction fee)
Total Initial Costs
| Fee Type | Amount |
|---|---|
| Pre-license education | $149+ |
| Exam fee | $59 |
| Fingerprinting | $35.15 |
| Application fee | $50 + $5.60 |
| Total | $300+ |
Basic Eligibility Requirements
| Requirement | Details |
|---|---|
| Age | Must be at least 18 years old |
| Residency | Tennessee resident or principal place of business in Tennessee |
| Background Check | Must pass fingerprint-based criminal history check |
Retake Policy
| Timing | Requirement |
|---|---|
| After first failure | 10-day waiting period |
| After subsequent failures | 30-day waiting period |
| Retake limit | No limit on number of attempts |
How many hours of pre-license education does Tennessee require for a combined Life, Accident & Health license?
Who administers insurance licensing exams in Tennessee?
What is the fingerprinting provider for Tennessee insurance license applicants?
What is the passing score for Tennessee insurance licensing exams?