Connecticut Producer Licensing
The state portion of the Connecticut life and health exam begins with how a person becomes and stays a licensed producer in Connecticut. This chapter covers the Connecticut Insurance Department and its authority, the license you need to sell life and health products, how appointments connect you to an insurer, and the continuing education and renewal rules that keep the license active. These state rules sit on top of the shared national concepts and are the most heavily weighted part of the supplement.
The Connecticut Insurance Department and Its Authority
Connecticut regulates insurance through the Connecticut Insurance Department, led by a Commissioner appointed by the Governor. The department is led by a Commissioner of Insurance appointed by the Governor. The regulator has authority to issue, deny, suspend, and revoke licenses, adopt rules, investigate complaints, and enforce the state insurance code. Knowing which body — not a bank or financial-services agency — licenses producers is a common exam point.
License Types and Qualifications
To sell life and health products in Connecticut, a producer obtains a resident producer license with the life line of authority and the accident and health (or sickness) line of authority. Applicants generally must be at least 18, complete an application, pass the state licensing examination through the department's testing vendor, submit to a background check (often including fingerprints), and pay the required fee. Any prelicensing course-hour requirement is set by the department; confirm the current rule before scheduling the exam.
Appointments and Continuing Education
Holding a license lets a person act as a producer, but to represent a specific insurer the company must appoint the producer and file that appointment with the department; a producer may hold appointments with several insurers at once. Licenses renew on a set cycle, and Connecticut requires approved continuing education — including an ethics component — each renewal period, plus the renewal fee. Letting CE or renewal lapse can cause the license to expire, after which reinstatement rules and penalties may apply. Always verify current CE hour totals with the department.
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State-specific details
State exam facts
- State regulator
- Connecticut Insurance Department
- Exam vendor
- Prometric
- Passing score
- 70%
Who regulates life & health insurance licensing in Connecticut?
The Connecticut Insurance Department (CID) licenses producers. Connecticut's licensing examinations are provided by Prometric.
What score do I need to pass the Connecticut life & health exam?
You must score 70% or higher to pass. Connecticut licenses life and accident & health together, and the combined producer exam (Series 18-03) is a single sitting.
Does Connecticut require prelicensing education for the life & health exam?
Confirm the current prelicensing requirement directly with the Connecticut Insurance Department before enrolling, as requirements can change.
Sources: https://portal.ct.gov/cid/licensing/producer-individual, https://www.pearsonvue.com/us/en/ct/insurance.html
In the Connecticut Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.