Utah Life & Health Exam Overview
Key Takeaways
Utah has NO mandatory pre-licensing education requirement for the Life, Accident & Health producer license
The Series 17-03 combined exam has 150 scored questions (plus 5 unscored pretest items), a 2.5-hour limit, and a 70% pass mark applied separately to the national and state portions
Prometric administers Utah insurance exams; the exam fee is about $44
Fingerprinting is done at the Prometric kiosk right after passing: $12 FBI + $20 BCI ($32) plus a $6 processing fee
Renewal is every 24 months and requires 24 CE hours, including 3 ethics hours, plus a $75 fee
Utah Life, Accident & Health Insurance Exam
Welcome to the Utah Life, Accident & Health (L,A&H) Insurance Exam study guide. To sell life, annuity, accident, and health products in Utah you must hold a resident producer license issued by the Utah Insurance Department (UID) under Title 31A of the Utah Insurance Code. The licensing exam you sit is Examination Series 17-03 — Producer's Combined Life, Accident and Health, delivered by Prometric.
What "combined" means
Series 17-03 is two tests bundled into one appointment. One block covers general/national insurance concepts (contract law, life and health product mechanics, underwriting, taxation); the other covers Utah-specific statutes and rules. You must score 70% on each portion independently — the two scores are never averaged. A 92% national with a 64% state is a fail, and you would retake the whole exam.
Exam logistics at a glance
| Detail | Requirement |
|---|---|
| Exam name | Series 17-03 Producer's Combined Life, Accident & Health |
| Scored questions | 150 (plus ~5 unscored pretest items) |
| Time limit | 2 hours 30 minutes |
| Passing score | 70% on the national portion and 70% on the state portion |
| Format | Multiple choice, computer-based, 4 options each |
| Vendor | Prometric (schedule online or by phone) |
| Exam fee | ~$44 per attempt |
| Delivery | Prometric test center or online remote proctoring |
Trap: older study materials list PSI as the vendor and a $59 fee. As of 2026 the UID contracts with Prometric, and the published fee is about $44. Always confirm the live amount when you schedule.
Pace yourself
With 150 scored items in 150 minutes you have roughly one minute per question. The 5 unscored pretest questions are mixed in and look identical to scored ones — do not waste time guessing which is which; answer everything. Flag uncertain items and return to them; an unanswered question is automatically wrong, so never leave a blank.
How this guide is organized
This study guide drills the Utah state portion, which is where most candidates lose points. Subsequent chapters cover Utah insurance regulation and licensing, Utah life insurance laws, Utah health insurance laws, and Utah policy provisions and consumer protections. For the national half — definitions of whole life, term, universal life, annuities, HSAs, and so on — pair this with the national Life & Health preparation. Work each chapter, complete every quiz, and rehearse the key-fact tables until recall is automatic.
Eligibility and pre-licensing
Utah is a no pre-licensing-education state for the L,A&H line: there are no mandatory classroom hours, no online-course requirement, and no approved-provider sign-off before you can test. You may walk in and take Series 17-03 cold. In practice, candidates who pass on the first try typically invest 40–60 hours of self-study and several full-length practice exams, because the state portion tests exact dollar figures, day counts, and statutory definitions that are easy to confuse.
Who must be licensed
- Anyone who sells, solicits, or negotiates life or health insurance for compensation.
- Title insurance, bail bond, and adjuster lines have separate licenses and separate exams — Series 17-03 does not cover them.
Step-by-step: from study to license
- Study the national and Utah state content (no course required).
- Schedule Series 17-03 with Prometric; pay the ~$44 fee.
- Test in person or via remote online proctoring.
- Pass with 70% on each portion; you receive an immediate pass/fail result.
- Fingerprint at the Prometric kiosk right away.
- Apply online through NIPR or Sircon within the allowed window.
- Background review by the UID, then license issuance.
Fingerprinting and background check
Utah requires a fingerprint-based criminal background check. You complete it at the Prometric kiosk immediately after passing, then print your NIPR/Sircon confirmation and show it to the test-center supervisor as proof of payment.
| Item | Amount |
|---|---|
| FBI fingerprint fee | $12 |
| Utah BCI fingerprint fee | $20 |
| Combined FBI/BCI fee | $32 |
| Prometric processing fee | $6 |
| Resident license application fee | $75 |
Trap: legacy guides quote "$13.25 FBI + $15.00 BCI." The current UID figures are $12 FBI + $20 BCI = $32, plus a $6 Prometric processing fee. Memorize the $32 combined number.
Exam-day requirements
- Bring a valid, unexpired government photo ID whose name matches your registration.
- Arrive 30 minutes early; late arrivals may forfeit the fee.
- No personal items — phones, notes, smart watches, and calculators stay in a locker.
- On-screen scratch space or a provided whiteboard is allowed; you may not bring your own paper.
After the exam
Results print at the center the same day. If you pass, fingerprint and apply immediately so your background check starts without delay. If you fail, you reschedule and pay the exam fee again; there is no statutory waiting period, but plan extra study on the portion you missed (the score report shows national and state separately).
Continuing education and renewal
A Utah resident producer license runs on a 24-month (2-year) cycle. To renew you must complete 24 CE hours each biennium — of which at least 12 must be classroom or classroom-equivalent and 3 must be ethics — and pay the $75 renewal fee. CE completed beyond the 24-hour minimum does not carry forward to the next cycle.
| Renewal requirement | Detail |
|---|---|
| Cycle | Every 24 months |
| Total CE hours | 24 |
| Classroom-equivalent minimum | 12 |
| Ethics hours (within the 24) | 3 |
| Renewal fee | $75 |
Disclaimer: verify current figures with the Utah Insurance Department (insurance.utah.gov), because fees and rules change.
On the Utah Series 17-03 exam, a candidate scores 90% on the national portion and 65% on the state portion. What is the result?
Pass, because the two portions average to 77.5%
Pass, because the national score exceeds 70%
Pass, because only the national portion is scored for licensing
Fail, because each portion must independently reach 70%
Does Utah require pre-licensing education before taking the Life, Accident & Health exam?
Yes, 20 hours are required
Yes, but only the 3-hour ethics module
Yes, 40 hours are required
No pre-licensing education is mandated, though self-study is strongly recommended
When and where do Utah applicants complete fingerprinting for the producer license?
At the Prometric kiosk immediately after passing the exam
At a police station before scheduling the exam
By mail within 30 days of the application
Fingerprinting is not required in Utah
What is the combined FBI and BCI fingerprint fee for a Utah insurance license application?
$28.25 ($13.25 FBI + $15.00 BCI)
$75 total
$44 total
$32 ($12 FBI + $20 BCI)
How many continuing education hours must a Utah resident producer complete each renewal cycle, and what are the embedded requirements?
20 hours every year, including 2 ethics hours
24 hours every year, including 5 ethics hours
30 hours every 2 years, all online permitted
24 hours every 2 years, including at least 12 classroom-equivalent and 3 ethics hours
Sections you finish are checked off in the contents.