Connecticut Insurance Producer License

Connecticut Insurance Producer License: Complete 2026 Guide

Getting a Connecticut insurance producer license (also called insurance agent license) is regulated by the Connecticut Insurance Department (CID). Connecticut requires mandatory pre-licensing education (40 hours per single line, 80 hours for combos), state exams via Prometric, and background checks (fingerprints case-by-case) for Life, Accident & Health, Property, Casualty, Personal Lines, Public Adjuster, and other lines. Apply via NIPR/Sircon. No federal license—state-only process. High demand in Hartford/New Haven metro areas.​

🚨 2026 Updates: CE changes—no longer requires 6 hours per line held; 24 hours total allowed with carryover (up to 12 hours from prior cycle). Annuity Suitability (4-hour one-time) and LTC Partnership training mandatory before sales. Non-residents exempt from most CE. Exam wait: 1-3 business days for results to NIPR.​

Connecticut License Requirements (2026): Step-by-Step

1. Eligibility Check: Age 18+, Connecticut resident, US citizen/permanent resident, clean criminal record (moral turpitude/fraud disqualify). Professional designations (CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF) waive pre-licensing.
2. Complete Pre-Licensing Education: CID-approved providers (must pass 70% school final exam). Certificate required at exam. Online/live OK. School code not needed but bring certificate.​
   • Single Lines: 40 hours each (Life, A&H, Property, Casualty, Personal Lines, Public Adjuster).
   • Combos: 80 hours (Life/A&H, Property/Casualty).
3. Schedule & Pass State Exam: Prometric (prometric.com/ct). Fees: $59–$72 per exam. 100–150 questions, 70% pass, 2–3 hours. 2 forms ID (govt photo + signature). Retake: after 10 days, same fee. Mail/fax/phone registration OK (personal checks not accepted).​
4. Background Check/Fingerprints: Case-by-case (required for felonies, first-time residents). $75–100 via IdentoGO/Idemia. Not required for renewals or designations waiver.​
5. Submit License Application: NIPR/Sircon within 1 year of exam. $40–$120 fee per line + sponsor appointment. Processing: 7–21 business days. Wait 1-3 days post-exam for results upload.​
6. Renewal: Biennial by birth month (60 days before expiration). 24 CE hours ($40 fee). 90-day lapse = reapply fully. Carryover: up to 12 hours from prior cycle.​

New Residents: Reciprocity if prior active license verified (no CT pre-lic/exam needed).

Connecticut License Types, Hours & Exam Details

License Type	Pre-Lic Hours	Exam Fee	Questions/Time/Pass	Notes ​
Life Producer	40	$59	100 q / 2 hrs / 70%	Waived: CEBS/ChFC/CIC/CFP/CLU/FLMI/LUTCF
Accident & Health	40	$59	100 q / 2 hrs / 70%	Waived: CEBS/CLU/HIA/REBC/RHU
Life + A&H Combo	80	$72	150 q / 3 hrs / 70%	Most popular
Property Producer	40	$59	100 q / 2 hrs / 70%	Waived: AAI/ARM/CIC/CPCU
Casualty Producer	40	$59	100 q / 2 hrs / 70%	Waived: AAI/ARM/CIC/CPCU
Property & Casualty	80	$72	150 q / 3 hrs / 70%	Commercial focus
Personal Lines	40	$59	100 q / 2 hrs / 70%	Simplified P&C
Public Adjuster	40	$59	100 q / 2 hrs / 70%	Claims advocacy

Special Licenses:

• Certified Insurance Consultant (CIC): No pre-lic/exam for some; no CE required.​
• Limited Lines (Credit, Travel): No pre-lic/exam/CE.​
• Variable Life/Annuity: Securities license + CT Life.

Complete Fees Breakdown (Connecticut 2026)

Item	Cost	Provider/Details ​
Pre-Licensing Course	$140–$400/line	Kaplan ($199), XCEL ($179), PreLicenseTraining ($149).
State Exam	$59 single / $72 combo	Prometric (MC/Visa/MO/check). No personal checks.
Fingerprints/Background	$75–$100 (case-by-case)	IdentoGO/Idemia (felons/residents).
License Application	$40–$120/line	NIPR/Sircon (per LOA).
Sponsor Appointment	Carrier fee	Post-license via insurer.
Renewal (Biennial)	$40 + CE	By birth month. 90-day lapse penalty.
CE Hours (24 total)	$50–$150	Non-residents often exempt.
Total Initial (Life + A&H)	~$350–$500	Includes course, exam, app.

Payment: Prometric accepts MC/Visa/MO/company check/cashier’s check. NIPR: credit card.​

Reciprocity & Non-Resident Licensing

Full reciprocity with 48 states via NIPR (exceptions: CA/NY strict).

• Non-Residents: Home state license verification. No CT exam/pre-lic if equivalent LOA. CE exempt for most (state-specific may apply). $40–$120 fee.​
• New Residents: Apply within 90 days; prior license waives CT pre-lic/exam.
• Producer Licensing Compact: Participant (adjusters portable).​

LTC Partnership: One-time training required for both residents/non-residents selling Partnership policies.​

Top 5 Connecticut Pre-Lic & Exam Prep Providers (CID-Approved)

1. Kaplan Financial Education: Live online, designation waivers. 800-KAPLAN-8 | kaplanfinancial.com​
2. XCEL Solutions: CT-specific bundles. 800-203-9235 | xcelsolutions.com​
3. PreLicenseTraining.com: Affordable 40/80-hour packages. prelicensetraining.com​
4. ExamFX: Interactive, pass guarantee. 800-793-7128 | examfx.com
5. AB Training Center: P&C/Personal Lines focus. abtrainingcenter.com

Pro Tip: Bring pre-lic certificate to Prometric exam—required for admission.​

Background Check & Fingerprinting Process

• Required: First-time applicants, felons, residents without prior checks.
• Provider: IdentoGO/Idemia ($75–$100). Live Scan or cards.
• Exempt: Renewals, designation waivers, limited lines, non-residents.
• Processing: 2–4 weeks; results auto-forwarded to CID.​

Renewal & Continuing Education Details

• Cycle: 24 months from first license (renew by birth month, 60 days prior).
• 24 CE Hours (changes 2026—no 6/line minimum):CategoryHoursNotesTotal24Carryover up to 12 hrs prior cycleEthics3MandatoryAnnuity Suitability4 (one-time)Before salesLTC PartnershipOne-timePartnership policies
• Exempt: Limited lines, non-residents (most), CIC.
• Approved: Sircon/Prometric CE system. Track via NIPR.​
• Lapsed: 90 days max—then full reapplication (pre-lic + exam).​

Frequently Asked Questions (15)

1. How many pre-licensing hours for Life in Connecticut? 40 hours single (80 for Life/A&H combo). Waived with designations.​
2. What’s the Connecticut CID website/contact? portal.ct.gov/cid | 860-297-3800 | cid.licensing@ct.gov.​
3. Who administers Connecticut insurance exams? Prometric (prometric.com/ct). Online/phone/fax/mail scheduling.​
4. Connecticut exam fees? Fingerprint costs? $59–$72 exam + $75–$100 fingerprints (case-by-case).​
5. Does Connecticut require high school diploma/GED? No—pre-lic + exam sufficient.​
6. Typical exam pass rate/provider? 70%, Prometric (100–150 q, 2–3 hrs).​
7. Fingerprinting process details? IdentoGO case-by-case (first-time/felons). Exempt: renewals/designations.​
8. Connecticut CE hours for renewal? 24 hours biennial (3 ethics). Carryover 12 hrs; no 6/line req 2026.​
9. Reciprocity from other states to Connecticut? Full (48 states) via NIPR. No CT exam/pre-lic if equivalent.​
10. Can felons get a Connecticut license? Case-by-case; fraud/moral turpitude often permanent denial.​
11. Exam locations in Connecticut? 15+ Prometric centers (Hartford, New Haven, Bridgeport, Stamford, Waterbury) + online proctored.​
12. How long for license approval? 7–21 days (wait 1-3 days post-exam for NIPR upload).​
13. Connecticut-specific requirements? Annuity (4-hr), LTC Partnership (one-time), Public Adjuster separate.​
14. Non-resident licensing process? $40–$120 fee + home verification (CE often exempt).​
15. Top pre-lic providers for Connecticut? Kaplan, XCEL, PreLicenseTraining (CID-approved).​

Additional Resources & Tools

• CID Licensing Portal: portal.ct.gov/cid/licensing (apps/status).
• NIPR Connecticut: nipr.com (non-resident/reciprocal).
• Prometric Scheduling: prometric.com/ct (exams + content outlines).
• Sircon CE Tracker: sircon.com (courses/transcripts).
• Designation Waivers: Provide current letter (ChFC/CIC/etc.).

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