How to Get a Connecticut Life Insurance License: Step‑by‑Step Guide

Why a Connecticut Life Insurance License Matters

Holding a life insurance license in Connecticut allows you to sell policies, advise clients, and build a career in the insurance industry. It also opens doors to specialized products like annuities and long‑term care plans, and it is a prerequisite for many insurance broker positions.

Prerequisites Before You Apply

Age and Residency

You must be at least 18 years old and a legal resident of the United States. Connecticut does not require you to live in the state, but you must be able to attend in‑person or online courses if required.

Background Check

A criminal background check is mandatory. Connecticut considers felonies and certain misdemeanors disqualifying, though each case is reviewed individually.

Pre‑Licensing Education

Applicants must complete a state‑approved pre‑licensing course. Connecticut offers 20 hours of education, split into two 10‑hour modules covering:

• Insurance fundamentals
• Actuarial concepts
• Ethics and compliance
• State insurance laws

Exam Preparation and Registration

Choosing a Course Provider

Approved providers include Kaplan, ExamFX, and the Connecticut Department of Insurance's own online portal. Verify accreditation before enrolling.

Exam Format and Timing

The exam is a 75‑question, multiple‑choice test administered at testing centers nationwide. You have 120 minutes to complete it.

Registration Process

Submit the Application for Life Insurance License via the state portal, pay the $100 fee, and attach your pre‑licensing completion certificate.

Taking the Exam

Day of the Test

Bring a government‑issued ID, your test voucher, and a calculator. The exam is computer‑based; questions are randomly generated from a master bank.

Scoring

A score of 70% or higher is required to pass. The state publishes a detailed score report after the test.

After Passing: Issuance and Renewal

License Issuance

Once you pass, the department issues an electronic license. You can begin selling policies immediately, provided you have a sponsoring agency.

Annual Renewal

Renew every year by completing 12 hours of continuing education and paying the $50 renewal fee. Keep track of deadlines to avoid lapses.

Common Mistakes to Avoid

• Skipping the pre‑licensing course or taking an unapproved provider.
• Not verifying the exam voucher before the test date.
• Failing to complete continuing education on time.

Frequently Asked Questions

Can I take the exam online?

Currently, Connecticut requires an in‑person exam at an approved testing center.

Is a background check waived for first‑time applicants?

No. All applicants undergo the same screening.

What if I fail the exam?

You can retake the test after a 30‑day waiting period and a $50 retest fee.

Key Resources and Contacts