Exam & Licensing Procedures
Individual and organization licenses are valid for 2 years.
Individual: The Department uses a birth month renewal system. Individual licenses have a birth-month renewal/expiration date every two years. For a new license, the first renewal date may be anywhere from 24 to 35 months from the new license issue date and will fall on the last day of the licensee's birth month. Thereafter, renewals will then continue to be every two years at the end of the licensee’s birth month.
Agency: To obtain an insurance license for your agency, please go to sircon.com/utah and click on Apply for a License. You must already have your firm name and FEIN. It will ask you for a designated responsible licensed person (DRLP). That person must already hold an insurance license and hold the same qualifications or lines of authority as the agency will hold. Because an agency may only operate through a licensed natural person, it must have a licensed individual to act on behalf of the agency.
There are no exams or fingerprints required for an agency. The fee is $85. Agency licenses expire every 2 years from the date of issuance, on the last day of the month.
Examination and licensing procedures
Candidates may not submit a license application prior to taking any required examination. We do not review criminal history prior to application. License applications are to be submitted after successfully passing any required examinations.
Examinations are administered by Prometric. Upon completing the exam registration, either online or over the phone and paying the exam fee to Prometric, Prometric will inform the candidate of where the exam may be taken and how to schedule the exam appointment. The easiest way to register for the exam is online through Prometric’s website. You may also call Prometric at (888) 226-8740. If a candidate fails an exam, they must re-register and pay the fee to Prometric again.
Resident licensing
Exam & Licensing Procedures: Fingerprinting
The Utah Insurance Department requires all individuals applying for a resident insurance license to be fingerprinted. Fingerprinting must be done at a Prometric test center, using “live scan” technology, which digitally captures and transmits the fingerprints to the Utah Department of Public Safety, Bureau of Criminal Identification (BCI) and Federal Bureau of Investigation (FBI), for a criminal history background check. Fingerprinting is not required for resident licensees adding a line of authority to an existing license.
Click here for information about Prometric fingerprinting.
Click here for a list of Prometric’s testing centers in Utah.
For license types that require passing an examination (i.e.: Resident Consultant, Resident Producer, Resident Surplus Lines Producer, Resident Independent Adjuster, Resident Public Adjuster), the process is as follows:
- The applicant will register for the exam on Prometric’s website or by calling 888-226-8740 to schedule an appointment for the license examination to be done at a Prometric test center. The applicant must schedule the examination appointment and pay the Prometric examination fee before arriving at the test center. In addition to the Prometric examination fees, there will be a $6 Prometric fingerprint processing fee.
- After passing the examination, the candidate will apply online using a kiosk located at the Prometric test center. The license application will include a $28.25 FBI/BCI fingerprint fee* ($13.25 FBI/$15 BCI) that must be made by credit card during the online application process. Upon completing the online application, the applicant must print the SIRCON or NIPR confirmation page and show it to the test center supervisor as proof they have paid the FBI/BCI fingerprint fees.
- After applying for a license online, the applicant will pay the $6 Prometric fingerprint processing fee online or by calling 888-226-8740 and have their fingerprints taken at the Prometric test center.
- Fingerprint results will be returned to the Utah Insurance Department. The department will evaluate the results and the license application prior to issuing any license.
Note: If the applicant passes the examination and leaves the test center, they must return to the test center to have their fingerprints taken. They must present the SIRCON or NIPR application confirmation page when they return to have their fingerprints taken.
For license types that do not require an examination (i.e.: Resident Limited Lines Producer, Bail Bond, Managing General Agent, Reinsurance Intermediary, Navigator, Certified Application Counselor) the process is as follows:
- Make a fingerprinting appointment at a Prometric test center by visiting Prometric’s website or by calling 888-226-8740.
- Pay the $6 Prometric processing fee made payable by money order, cashier’s check, company check, Visa or MasterCard.
- Apply for the license online from your home or office at www.sircon.com/utah or www.nipr.com before arriving at the test center for fingerprinting. You can also apply online using a kiosk at the test center. Payment for both the license application fee and the FBI/BCI fingerprint fee of $28.25 ($13.25 FBI/$15 BCI) must be made by credit card during the online license application process.
- Upon completing the online application, print out the Sircon confirmation page as proof you have paid the FBI/BCI fees. Give the confirmation page to the test center proctor and your fingerprints will then be scanned.
- Fingerprint results will be returned to the Department. The Department will evaluate the results and the license application prior to issuing any license.
As of December 18, 2023 Prometric now offers Utah insurance licensing exams in Spanish. Visit https://www.prometric.com/utah/insurance to schedule your exam.
Licensing
Candidates may not submit a license application for pre-screening purposes prior to taking the examination. All license applications are to be submitted after successfully passing any required examinations. An examination is not required for a limited-line license application.
Note: Passing an exam and submitting an application does not guarantee that you will be issued a license. Issuance of a license depends on review and approval of all license application materials, including application questions regarding any prior civil or criminal proceedings. Read the application carefully. Failure to disclose civil proceedings and all criminal convictions, whether a misdemeanor or felony, and any pending charges, may result in denial of your application or revocation of your license after issuance. If your license application is denied, you will be notified in writing of the reason for such denial.
After passing the exam, complete and submit your license application electronically, and pay all required nonrefundable fees with a credit card. You can apply electronically from your home or office at Sircon or NIPR. Your application and fees will be electronically forwarded to the Department. After review and approval, you will be able to print your license from Sircon. This license printing service is free at Sircon for up to 30 days after license approval and renewal for license applications and license renewals completed through Sircon. If you have applied for or renewed your license through another vendor other than Sircon, you may still use the license printing service (fees may apply). You will need the license number and last 4 digits of your social security number.
The Department no longer accepts paper applications. Paper applications submitted to the Department may be returned to the applicant, without being processed.
Company appointments do not need to accompany the individual license application and license fee, but the applicant cannot act as a producer until the appointment process is complete.
Transferring from Another State
Within 90 days of relocating to Utah
Step 1: Cancel your license in the previous resident state and your non-resident license in Utah. You cannot apply for a resident license in Utah if you still have a resident license in any other state or a non-resident license in Utah. You can find the cancellation form here.
Step 2: Apply for a resident license at www.sircon.com/utah or www.nipr.com and print out your confirmation.
Step 3: Make a fingerprinting appointment at a Prometric test center by visiting Prometric’s website. Take the confirmation/receipt printout from your application with you to Prometric.
Step 4: Pay the $6 Prometric processing fee, made payable by money order, cashier’s check, company check, Visa, or MasterCard.
Step 5: Send proof of having established Utah residency, within the previous 90 days, via fax (385-465-6055) or as an email attachment to Heidi Petermann at email hpetermann@utah.gov. This can be a copy of your Utah driver’s license, lease/rental agreement/mortgage closing, or major utility bill with the connection dates. Your name is required to be on the form of proof submitted.
*Electronic applications are generally processed within 5-10 business days once we have all required information (application, fees, and fingerprints completed). Please note research of the fingerprints may cause a delay. We are required to allow 30 days for BCI/FBI to process fingerprints. If it has been more than 10 working days, you may contact email hpetermann@utah.gov to inquire if additional information is needed.
Within 90 to 365 days of relocating to Utah
Step 1: Cancel your license in your previous resident state. We WILL NOT issue a resident license here unless your previous license is inactive.
Step 2: Establish residency in Utah.
Step 3: Register for the Utah Laws & Regulations exam appointment through Prometric. You may register via Prometric’s website or by calling 888-226-8740.
Step 4: Take and pass the Laws and Regulations exam.
Step 5: While at the testing center, apply for your license online through Sircon and pay the required fees. There are kiosks set up at Prometric to complete the application. *PRINT THE RECEIPT AT THE END OF THE TRANSACTION, SHOWING THE CONFIRMATION NUMBER AND PROOF THAT FEES HAVE BEEN PAID. You will need this to be fingerprinted.
Step 6: Get fingerprinted before you leave the testing center.
Step 7: Send proof of having established Utah residency, within the previous 90 to 360 days, via fax (385-465-6055) or as an email attachment to Heidi Petermann at email hpetermann@utah.gov. This can be a copy of your Utah driver’s license, lease/rental agreement/ mortgage closing, or a utility bill showing the connection date. Utility bills include water/sewer, gas or electricity. Your name is required to be on the proof of residency that is submitted.
*Electronic applications are generally processed within 5-10 business days once we have all required information (application, fees, and fingerprints completed). Please note research of the fingerprints may cause a delay. We are required to allow 30 days for BCI/FBI to process fingerprints. If it has been more than 10 working days, you may contact email hpetermann@utah.gov to inquire if additional information is needed.
After 365 Days
Take the proper exams and apply as a first-time applicant.
Appointments / Terminations
Company appointments/terminations are done electronically by the insurer through SIRCON or NIPR. Producers should contact the insurer or their agency employer for further information.
Designations / Affiliations
With the exception of bail bond agent designations/terminations, the Department has mandated electronic filing for the addition or termination of a designee to an agency license. Electronic filing must be submitted online using SIRCON, then selecting “Maintain Firm Association” on the left column. We no longer accept the paper form previously available. Any designation/termination request submitted to the Department by paper may be returned to the submitter without being processed.
Prometric Testing & Fingerprinting Sites
The Insurance Department requires all individuals applying for a resident insurance license to be fingerprinted. Fingerprinting is also done at Prometric’s testing sites.
Non-resident licensing
Reciprocity
Pursuant to UCA Section 31A-23a-109, Utah generally has reciprocity with other states. Provided that your application and fees have been properly submitted to the department, and your license in your home state is in good standing, Utah will issue a non-resident license to an individual or organization holding the same license in their resident state.
Licensing
Individuals and organizations must submit an application for a nonresident license. Applications are completed on Sircon or NIPR.
The Utah Insurance Department no longer accepts paper applications. Paper applications will be rejected and returned.
Adjuster Licensing
Independent Adjusters are required to be licensed in Utah. The guidelines are as follows:
If the resident state DOES license for the adjuster license, we generally have reciprocity with that state and will issue a license based upon your compliance with your resident state. Applications must be completed electronically via SIRCON or NIPR. With few exceptions, paper applications will be rejected and returned to the applicant, un-processed.
If your resident state DOES NOT license adjusters, we will issue a license if you either pass our exam or already hold a non-resident adjuster license in another state. In such case, the option to apply electronically is not available. You must submit the NAIC Uniform Application.
The application must be submitted via email or fax. We do not accept mailed applications or checks. You can email the application to Karon at email khardman@utah.gov or fax to 385-465-6055. A credit card number must be provided.
Staff Adjuster
The State of Utah does not license staff adjusters, per UCA Section 31A-26-201.
Licensing fees
The Department sets its licensing fees in accordance with 63J-1-504.
Study materials
Utah has no pre-licensing requirements for licensure. As such, the Department does not offer any study materials or aids for the exams.
Because of the number and the diversity of approach of these publications, neither the Department nor Prometric reviews or approves study materials. However, the following sources may be a starting point in your search for study materials.
- A.D. Banker & Company
5000 College Blvd #120, Overland Park, KS 66211
800-866-2468
www.adbanker.com - America’s Professor
1280 S. 3rd Street W. Ste 1, Missoula, MT 59801
800-870-3130
email info@americasprofessor.com
americasprofessor.com - Computer Career Center LP dba Vista College, Jodi Zerba
300 N. Coit Rd, Ste 1400, Richardson TX 75080
972-733-3431 x1753
email jzerba@vistacollege.edu
www.statece.com - COR Enterprises LLC dba AdjusterPro and All-Lines Training
11201 N. Tatum Blvd, Ste 300, PMB 94125, Phoenix, AZ 85028
214-329-9030
adjusterpro.com - CPMI Professional Development Inc.
3625 Brookside Pkwy, Ste 450, Alpharetta, GA 30022-3783
317-308-0877
cpmipro.com - Education Resource Center, Ron Johnson
PO Box 13246, Ogden UT 84412
801-782-5510
email ron@rd-22.com - Insurance Schools Inc., M. Daniel Dupay
108 Cadle Dr. Ste A, Charleston, WY 25313
800-333-3926
www.insurance-schools.com - Insuretts II, Carol Stringham
3940 W. 4100 S., West Valley City, UT 84120
801-466-4361 - Insurance Training Associates LLC
4504 SW Corbett Ave Ste 200, Portland, OR 97239
503-265-8360 x3003
www.itaamerica.com - Kaplan Financial
332 Front St S., Ste 555, La Crosse, WI 54601
608-779-5599
www.kaplanfinancial.com - Mountain CE, Marlene Mauer
Salt Lake City, UT
801-518-1956
www.mountaince.com/ - National Online Insurance School
888-770-3681
www.nationalonlineinsuranceschool.com - NJ Pesci School of Insurance
245 W. 1300 N., Pleasant Grove, UT 84062
801-362-8928 - Prelicense.com, a service of WebCE
1212 E. Arapaho Rd, Ste 200, Richardson, TX 75081
877-488-9310
www.prelicense.com - TesTeachers LLC
11161 Overbrook Rd, Leawood, KS 66211
913-721-5622
www.testeachersonline.com - Title & Escrow School of Utah
1750 E. Southmoor Dr, Salt Lake City, UT 84117-6912
801-885-8645
email dwmooreut@gmail.com - Utah Association of Independent Insurance Agents (UAIIA)
4885 S. 900 E., Ste 302, Salt Lake City, UT 84117
801-269-1200
www.iiau.org - WebCE Inc.
12222 Merit Dr, Ste 500, Dallas, TX 75251
877-488-9308
www.webce.com
Individuals with a criminal conviction
An individual with a criminal conviction involving fraud, misrepresentation, theft, or dishonesty is not eligible to apply for an insurance license for a certain period of time. See R590-281-4(1).
An individual who has been convicted of violating the federal Violent Crime Control and Law Enforcement Act of 1994, 18 U.S.C. Sec. 1033, or who has been convicted of a felony involving dishonesty or breach of trust, may not apply for a license without first obtaining written consent from the Utah Insurance Commissioner to engage or participate in the business of insurance.
Application Instructions and Process for Written Consent Under 18 U.S.C. § 1033
1. Introduction
Federal law provides penalties for a person who: (a) has been convicted of a felony involving dishonesty or breach of trust; and (b) willfully engages in the business of insurance affecting interstate commerce, unless the person receives written consent from the state insurance regulatory official with appropriate jurisdiction. See, Violent Crime Control and Law Enforcement Act of 1994, 18 U.S.C. §§1033 and 1034.
A person who has not obtained written consent and who has been convicted of a felony involving dishonesty or breach of trust is a “prohibited person.” A prohibited person who engages in the business of insurance faces possible federal criminal and civil action and state administrative action.
The federal law also penalizes those in the insurance industry who willfully allow prohibited persons to engage in the business of insurance. They must notify the Utah Insurance Department (“the Department”) in writing of an employee or agent who is a prohibited person.
2. A prohibited person may seek written consent
A prohibited person may seek written consent to engage in the business of insurance in Utah. The process for obtaining consent is set forth in this document. The process is available only to a Utah resident who is seeking or renewing a Utah insurance license or who wishes to be employed in the business of insurance in Utah in a non-licensed capacity. A non-resident should consult her or his home state insurance department. A prohibited person who seeks a Utah non-resident license must provide the Department with a copy of the home state’s written consent.
3. Definitions of relevant terms
Breach of Trust. A crime involving breach of trust includes, but is not limited to, an offense constituting or involving misuse, misapplication or misappropriation of: (a) anything of value held as a fiduciary (including, but not limited to, a trustee, administrator, executor, conservator, receiver, guardian, agent, employee, partner, officer director or public servant); or (b) anything of value of any public, private or charitable organization.
Business of Insurance. This term means the writing of insurance or the reinsuring of risks, by an insurer, including all acts necessary or incidental to such writing or reinsuring and the activities of persons who act as, or are, officers, directors, agents, or employees of insurers or who are other persons authorized to act on behalf of such persons.
Conviction. This term includes, but is not limited to: (a) a plea in abeyance or other similar agreement that defers a criminal judgment, regardless of whether the criminal charges were dismissed pursuant to the terms of the agreement; and (b) an expunged conviction.
Dishonesty. A crime involving dishonesty includes, but is not limited to, an offense constituting or involving perjury, bribery, forgery, counterfeiting, false or misleading oral or written statements, deception, fraud, schemes or artifices to deceive or defraud, material misrepresentations and the failure to disclose material facts.
Felony. A “felony” is an offense that is specifically classified as such in the section defining it. If there is no classification, an offense is a felony if the maximum term of authorized imprisonment authorized is more than one year, or if the maximum penalty is death.
4. Applying for written consent
- Each prohibited person seeking written consent must submit a completed Application for Written Consent to Engage in the Business of Insurance (“Application”) addressed to 18 U.S.C. §1033 Advisory Committee (“Committee”), Utah Insurance Department. An Application shall be electronically submitted to 1033cmte@utah.gov.
- A prohibited person has the responsibility to read the Application in its entirety and answer every question completely and accurately. Absolute and complete candor is required. Failure to complete the Application or submit any requested documentation shall result in denial of the Application. An amendment to the Application must be filed immediately upon the occurrence of any event or discovery or recollection of any fact that would change any answer on the Application. Failure to file a timely amendment may result in denial of written consent or withdrawal of previously granted consent.
5. Process for granting or denying an Application
- An Application is initially reviewed by the Committee which consists of the directors of the Fraud, Health and Life and Property and Casualty Divisions, an assistant attorney general, and a deputy commissioner.
- The Committee recommends to the Utah Insurance Commissioner (“the Commissioner”) whether to grant the Application.
- A recommendation is merely advisory and does not bind the Commissioner.
- The Commissioner makes the final decision on an Application and has sole discretion and sole authority to grant or deny. The decision shall be in writing.
- If an Application is granted, the written decision must require periodic review to determine whether the person granted consent is abiding by the terms and conditions of consent.
6. Standard by which an Application is evaluated
An Application provides a prohibited person with the opportunity to demonstrate that, notwithstanding the conviction(s), he or she is sufficiently trustworthy to participate in the business of insurance without being a risk to consumers and/or insurers. A prohibited person has the burden of satisfying this standard. Factors that may be considered by the Committee and the Commissioner include, but are not limited to, the following:
- the nature and severity of the offense and sentence;
- the date of conviction(s);
- the age at the time of committing the crime(s);
- the nature and extent of injury and/or loss caused by the act for which the prohibited person was convicted;
- unpaid judgement(s);
- whether the crime was related to the business of insurance or the exercise of any professional or other license or authority conferred by a federal, state or local governmental agency;
- whether the prohibited person received a pardon from the sovereign that convicted him or her, and the reason for it;
- whether the prohibited person successfully completed parole or probation without incident and whether payment of all fines, penalties or other assessments were satisfied;
- any aggravating or mitigating factors;
- whether other jurisdictions have granted or denied an 18 U.S.C. § 1033 consent;
- the nature and strength of any letters of recommendation and other evidence of rehabilitation;
- the prohibited person’s employment history before and after the commission of the crime(s);
- the nature of any consumer complaints in the Department’s possession or reported by the prohibited person;
- whether and to what extent the prohibited person has made materially false statements in any license application or in any other documents filed with the Department and/or the Committee;
- the prohibited person’s proposed type of employment in the insurance industry;
- the extent to which the prohibited person will be supervised in that employment;
- whether and to what extent the prohibited person has made materially false statements in any application or in other documents filed with any other state or federal agency; and
- whether the prohibited person has had any professional license revoked or suspended by any state or federal agency.
An Application granted by the Commissioner is conditioned on the truth of the documents and information submitted by or on behalf of the prohibited person. If a prohibited person has made materially false or misleading statements, has presented materially false or misleading information, or has failed to disclose material information, the grant of an Application is void. Such conduct may constitute a separate violation of law.
7. Ongoing duties of person whose Application is granted
- A person whose Application is granted has the Commissioner’s consent to engage in the business of insurance according to the terms and conditions of the written consent. A violation of those terms voids the consent and may subject the person to administrative action.
- A person with consent shall immediately notify the Committee of any subsequent criminal charge. A failure to give this notice voids the consent.
- A person with consent must submit a new Application to engage in insurance-related employment that is not authorized by the Commissioner’s consent. Until the new Application is granted, the person may not engage the unauthorized employment. A violation of this requirement voids the consent.
8. Final decision
The Commissioner’s decision on an Application is final. A prohibited person has no rights to reconsideration or appeal.
9. Subsequent Application
Once an Application is denied, a prohibited person may not reapply without demonstrating a material change in the facts and circumstances presented in the original Application. In no event may an Application be submitted more frequently than once per year.