Getting Your Colorado Accident & Health License
The path: complete pre-licensing training, pass the Pearson VUE Accident & Health exam, get fingerprinted through a CBI-approved vendor, and file your application at Sircon or NIPR. Colorado issues one Producer license listing the Accident & Health authority; other lines are added separately.
You must be a Colorado resident, at least 18, and of good business reputation. If you also want life and annuities, plan that as a separate exam — Colorado does not offer a combined Life & Health exam.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-health/purchase#a_aid=getthelicense) to satisfy your Colorado pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Colorado requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Colorado and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
The Accident & Health Exam
The Accident & Health exam is 80 scored multiple-choice questions (plus unscored pretest items) with a 120-minute (2-hour) limit, passing at 70% on the full exam.
Test at a Pearson VUE center or online via OnVUE. You get only one online attempt; further retakes must be in person. You may reschedule immediately after a failed attempt.
What It Costs
Plan on about $135 in state and vendor fees for a first-time pass: roughly $41 for the exam, the $47 application fee (plus about $5.60 through NIPR), and around $40 for fingerprinting — on top of your pre-licensing course.
The test-center fee covers up to two exams in one session. Exam fees are non-refundable, so only book when you are ready.
Fingerprinting & Background Check
Colorado requires a fingerprint-based background check through the Colorado Bureau of Investigation and the FBI, submitted via a CBI-approved live-scan vendor.
Schedule your live-scan appointment and bring valid government-issued photo identification. Budget about $40, and confirm the exact current fee with your vendor.
Submitting Your Application
After passing, file your application online at sircon.com/colorado or nipr.com and pay the $47 fee. Pearson VUE reviews most applications within about five business days, and you can print your license at Sircon.
You have one year from your pass date to apply. A license alone does not authorize sales — a carrier must also file an appointment for you.
Keeping Your License Active
Important CE details: 24 credits every 2 years, structured as 18 credits in your line of authority, 3 credits of ethics, and 3 credits of your choice. New producers are exempt their first cycle. Renews on the last day of your birth month with no grace period; up to 12 surplus credits carry over if earned in the last 120 days.
Colorado requires 24 CE credits every two years — 18 in your line of authority, 3 in ethics, and 3 of your choice — renewing on the last day of your birth month. New producers are exempt their first cycle, and there is no grace period.
If you plan to sell long-term care, budget for the 16-credit initial LTC training (8 partnership classroom credits included) before you sell, then 5 classroom LTC credits every two years thereafter.
Quick Reference
Official Links
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