What are the Pennsylvania Insurance License Requirements?

Insurance is one of the most important considerations for everyone these days. This is the main reason the rising uncertainty has capitalized in the form of one of the fastest growing industries in the world. In hindsight, however, getting insurance for others and getting one for yourself or your friends and family is a completely different scenario.

The latter is relatively easy; The former cannot be. As an insurance professional, you must have the utmost respect for other people’s time, value, money and investments. Today, insurance is not only a risk protection, but an essential prerequisite for timely investments.

In Pennsylvania, within the legal framework, the insurance sector is designed to allow for the required and expected level of care and diligence. Therefore one gets a pa insurance license is a difficult task considering that the demands for rigor and commitment to quality are expected to be of the highest standard.

This is where most candidates fail. So if you are sure which goals you want to achieve and what commitment you can devote to the profession, then you must consider the following:

How to complete your insurance pre-licensing course?

The state of Pennsylvania’s framework policy regarding insurance licensing is essential for any aspirant because you must complete the pre-licensing exams before taking the state licensing exam. 24 hour pre-licensing training requirement to complete the entire course and 3 hours must be from an approved ethics course. The details of the compulsory hours of some courses are as follows:

  • Lifetime (24 hours)
  • Accident and health (24 hours)
  • property (24 hours)
  • Accident (24 hours)
  • Personal lines (24 hours)

Only three types of educational methods are considered acceptable i.e. classroom, self-study and online. In addition, the framework provides two requirements for the online course Two types of online course:

1. Forced Progression

In this mode, the examinee or candidate must fill out every page of the online module. Only after successfully completing each page is the user allowed to continue.

2. Regulatory Authority

In this mode, an uninterested third party is involved in monitoring the course. This impartial third party, also known as a proctor, must not be a family member, direct manager, or be under the direct supervision of the candidate because of the position. For example, the examiner must oversee the certification exam process under his watchful eye. Only after successful completion of the self-study courses can the degree be acquired and issued.

Exceptions to Pre-Licensing Education

The following certifications or designations are generally exempt from pre-licensing training and testing.

  • Life or Accident and Health – CLU
  • Property, Accident or Accident and Health – CPCU
  • Life, Accident and Health or Property and Accident – ​​CIC

It’s worth noting that the mere addition of a single line of authority does not by itself create the need for pre-licensing training. However, the candidate must take their copy of the current manufacturer’s license with them to the examination center.

How Do You Pass Your Pennsylvania License Exam?

When the candidate has completed his preparatory course, he must pass the state license examination. For this, the following factors are important to ensure proper compliance.

Requirements for the final certificate

  • To receive a certificate of completion, candidates must qualify for the final proctored exam.
  • The education providers must then ensure that the pre-licensed education points are reported to the PSI within the next 15 working days.
  • Thereafter, the candidate will receive a Certificate of Completion within the next 30 business days after completing the course and properly meeting all other requirements.
  • To demonstrate successful completion, candidates must present their pre-licensing requirements at the examination center.
  • Certificates of completion are valid for one year from the completion of the course.
  • Candidates are also required to keep certificates of successful completion of the course for 6 years from the date of completion.

3. State Registration Fees

The Pennsylvania Department of Insurance requires that candidates file a course registration fee of $5/course regardless of online, self-paced, or classroom courses. The amount will be automatically debited from the last credit card used. These deductions will be paid each time a candidate completes an online, self-paced, or face-to-face course.

bottom line

Candidates wishing to obtain a license must check whether the existing legal framework has changed or whether fees or application procedures have been revised. Additionally, if you are not a naturalized citizen of Pennsylvania, you must check your home state’s specific norms.

In this regard, you may also need to consider the implications of applying or reapplying for the license.

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