Key Takeaways
- Vermont does NOT require pre-license education - candidates can go directly to the exam
- Prometric administers Vermont insurance licensing exams
- The Life exam has 105 questions (100 scored + 5 pretest) with 2 hours to complete
- Passing score is 70% on all Vermont licensing exams
- Exam scores are valid for 2 years after passing
Vermont Producer Licensing Requirements
Vermont has specific requirements for obtaining a Life, Health, or combined insurance license.
Pre-License Education Requirements
No Pre-License Education Required
| State Requirement | Vermont |
|---|---|
| Pre-License Education | NOT REQUIRED |
| Recommended | Self-study highly recommended |
| Study Time Estimate | Most students need 40+ hours |
Key Points:
- Vermont does NOT require pre-license education
- Most insurance professionals opt to take a pre-license education course
- Self-study is an option, but comprehensive exam prep is recommended
- Most students report needing 40+ hours of study time
Exam Tip: While Vermont doesn't require pre-license education, the exam covers complex material. Most successful candidates complete an exam prep course.
Basic Eligibility Requirements
To be eligible for a Vermont insurance license, you must:
| Requirement | Detail |
|---|---|
| Minimum Age | 18 years old |
| Character | Deemed competent, trustworthy, and financially responsible by Commissioner |
| Exam | Pass appropriate licensing examination |
| Application | Submit within 12 months of passing exam |
Examination Requirements
Vermont insurance licensing examinations are administered by Prometric:
Life & Health Exam Details
| Exam Type | Total Questions | Scored Questions | Pretest | Time Limit | Fee |
|---|---|---|---|---|---|
| Life Insurance | 105 | 100 | 5 | 2 hours | $50 |
| Accident & Health | 105 | 100 | 5 | 2 hours | $50 |
| Combined Life & Health | 150 | ~143 | ~7 | 2.5 hours | $65 |
Exam Requirements
| Requirement | Detail |
|---|---|
| Passing Score | 70% |
| Testing Provider | Prometric |
| Score Validity | 2 years |
| Testing Options | In-person or online remote proctored |
| Scheduling | Online at prometric.com/vt |
Examination Process
Scheduling the Exam
- Register with Prometric at prometric.com/vt or call Prometric
- Provide accurate information - Correct DOB and SSN required
- Choose testing option:
- Prometric testing center
- Online remote proctored exam (check computer compatibility)
- Pay exam fee ($50 single-line, $65 combined)
- Schedule appointment
Computer Compatibility (Online Testing)
For remote proctored exams:
- Check compatibility at rpcandidate.prometric.com
- If computer is not compatible, must schedule in-person exam
- Ensure stable internet connection
- Quiet, private testing environment required
Exam Day
What to Bring:
- Two forms of valid ID (one with photo and signature)
- Acceptable: Driver's license, passport, military ID
- No personal items at testing station
Testing Rules:
- No cell phones or electronic devices
- Calculator provided on screen
- Results displayed immediately upon completion
- Pretest questions are unscored and unidentified
Note: The 5 pretest questions on the Life exam are not scored and are being evaluated for future exams. You will not know which questions are pretest.
After the Exam
If You Pass:
- Exam scores valid for 2 years
- Submit license application within 12 months (recommended)
- Complete any required training before selling specific products
If You Fail:
- May reschedule and retake exam
- Must pay new exam fee
- Review score report for areas needing improvement
License Application
After passing the exam, complete these steps:
Application Steps
- Apply through NIPR (National Insurance Producer Registry)
- Pay license fee
- Complete any required background check
- Await DFR approval
License Types
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Life & Accident/Health | All life and health products |
Special Training Requirements
Before selling certain products, additional training is required:
Annuity Best Interest Training
| Requirement | Detail |
|---|---|
| Hours | 4 hours |
| Frequency | One-time requirement |
| When Required | Before selling annuity products |
| CE Credit | Counts toward CE requirement |
Long-Term Care Training
| Requirement | Detail |
|---|---|
| Hours | 8 hours |
| Frequency | One-time requirement |
| When Required | Before selling LTC insurance |
Appointments
After receiving your license:
- Must be appointed by each insurer you represent
- Insurer files appointment with DFR
- Cannot transact business until appointment is filed
- Maintain appointments with all companies you represent
Does Vermont require pre-license education before taking the insurance licensing exam?
Who administers insurance licensing exams in Vermont?
How long are Vermont insurance exam scores valid?
What is the passing score for Vermont insurance licensing exams?