1.2 Utah Producer Licensing Requirements

Utah's path to a Life, Accident & Health producer license is fast because the state waives pre-license education, but the exam itself is demanding and the logistics numbers are heavily tested.

Pre-License Education: none required

Utah is one of the minority of states that requires zero hours of pre-license education for any line of authority.

No certificate of completion is needed to schedule the exam. A prep course is strongly recommended only because the pass standard is real, not because the state mandates it.

The Prometric examination

All Utah insurance exams are administered by Prometric, available at testing centers or by ProProctor remote online proctoring. You receive a pass/fail result on screen the same day.

Correction to remember: The fee is $32 for a single line and $44 for a combined line - not a flat $59. Many third-party blogs quote stale numbers; trust the per-line fee.

The passing score

Every Utah licensing exam requires a scaled equivalent of 70% correct to pass. There is no curve and no partial credit. On the 150-question combined exam you must answer roughly 105 items correctly. Unanswered questions are scored as wrong, so guess on every item before time expires.

Exam content weighting (combined L&H)

The Utah-law segment is small but high-yield because it is where most candidates lose points; this chapter is built to cover it.

Retake and result rules

If you fail, you may reschedule and retake by paying the exam fee again; Utah does not impose a fixed waiting period, but Prometric scheduling availability applies. A passing result is generally honored for a limited window (commonly one year) in which you must complete the license application, so do not pass the exam and then delay your NIPR/SIRCON filing indefinitely.

Step-by-step: from registration to license

1. Register and pay at Prometric (online or by phone). Pay the $32 or $44 exam fee.
2. Choose testing mode: an in-person center or ProProctor remote exam.
3. Bring two valid IDs - the primary must have your photo and signature (driver license, passport, military ID). Names must match your registration exactly.
4. Pass the exam at 70% and receive your score report on screen.
5. Complete live-scan fingerprinting at the Prometric center.
6. Apply through NIPR or SIRCON (kiosk available at the center).
7. The license is issued once the background check clears, typically in 1-3 business days.

Exam-day rules

• No cell phones, smart watches, or notes at the workstation
• A basic on-screen or provided calculator is allowed; you may not bring your own
• Restroom breaks do not stop the clock

Fingerprinting and background check

Utah requires electronic live-scan fingerprinting of every resident license applicant. There is no ink card. Prints are transmitted to the Utah Bureau of Criminal Identification (BCI) and the FBI for a state-and-federal criminal history check.

Have a credit card ready - the $38 is collected at the center after you pass. A felony or certain financial-crime conviction can lead the Department to deny the license under Title 31A.

Total upfront cost (combined L&H, in-state)

(The Department's license/application fee is separate and set by current fee schedule.)

Eligibility and appointments

The appointment rule

Holding a license is not enough to sell. A producer must be appointed by each insurer they represent. The insurer - not the producer - files the appointment with the Department, and the producer cannot transact business for that insurer until the appointment is active. Appointments are company-specific, so a producer representing three carriers needs three appointments.

Common trap: A new licensee who closes a sale before any insurer has filed an appointment has transacted business without authority - a violation, even though the license itself is valid.

Resident vs. non-resident and agency licenses

A resident producer maintains their principal place of residence or business in Utah and takes the Prometric exam. A non-resident producer who already holds a license in good standing in their home state can obtain a Utah non-resident license through reciprocity via NIPR - they do not retake the Utah exam and do not complete separate Utah CE (they satisfy CE in their home state). A business entity (agency) is also licensed and must name a designated responsible licensed producer (DRLP) who is accountable for the agency's compliance.

Trap: A non-resident does not avoid regulation - they remain subject to Utah's marketing and unfair-trade-practice rules for any business written in Utah, even though they meet CE at home.