The Delaware Life & Health path at a glance
In Delaware, "Life & Health" is really two lines of authority: Life and Accident & Health. Each is a standalone Pearson VUE exam, and each is its own line on your license. Most people pursuing the L&H market take both.
There's no pre-licensing requirement, the passing score is 70%, and if you schedule both exams on the same day at the same center you pay just one $90 fee. After you pass, you apply through NIPR and clear a Delaware State Police background check.
Life and A&H are two separate exams
The Life Producer exam is 90 scored questions: 50 general (life products, policy provisions, annuities, underwriting, contract law) plus 40 Delaware-specific. The Accident & Health Producer exam is 92 scored questions: 50 general (disability, medical expense, Medicare, group, LTC) plus 42 Delaware-specific.
Each producer exam is split into a content portion and a statutes-and-regulations portion. You can pass one portion and fail the other - and you only retake the portion you missed, as long as you finish within one year of passing the first.
Format & scoring
Both exams are multiple choice and include a handful of unscored pretest questions mixed in (they don't count). Scores are scaled 0-100, and 70 is passing. You'll know immediately - the report prints pass or fail before you leave.
Fail and you get a diagnostic report showing how close you came on each section, which is the roadmap for your retake. You must wait 24 hours before rescheduling.
Pre-licensing education: not required (but smart)
Delaware is one of the states that does not mandate any pre-licensing course. You can register and sit for the exam without proving a single hour of classroom or online study.
That freedom cuts both ways. There's no course holding your hand through the material, so the burden of being ready falls entirely on you. The general portion is national product knowledge; the state portion is pure Delaware statute and regulation out of Title 18.
Scheduling with Pearson VUE
Reserve online at the Pearson VUE Delaware insurance page or by phone at (800) 274-0455. You must book at least 24 hours before your desired date - there are no walk-ins.
You can test at a Delaware center (Dover or Newark), nearby Philadelphia or Salisbury, hundreds of other centers nationwide, or online via OnVUE from home. The full $90 exam fee is paid at reservation by card or voucher and is non-refundable.
What exam day looks like
Arrive 30 minutes early to check in. Bring two forms of current signature ID: the primary must be government-issued, photo-bearing, and signed (driver's license, passport, military ID); the secondary just needs a valid signature (Social Security card, credit/debit card, or a second primary).
No personal items in the testing room - phones, watches, notes, and bags all go in a locker. The center provides note materials. You'll get an erasable note board, and you leave with a printed pass/fail score report in hand.
Fingerprint-based background check
Delaware doesn't use a third-party scan vendor. You get a fingerprint-based criminal background report through the Delaware State Police - call (302) 739-2528 to schedule. The fee runs about $65.
After you submit your application through NIPR, fax the State Criminal Background Report to the Department at (302) 736-7906. Your exam results arrive electronically from Pearson VUE, so you do not need to fax those.
Applying for the license
Delaware accepts electronic applications only - submit through NIPR at nipr.com. The resident producer fee is $125 (a small NIPR transaction fee is added at checkout).
If you passed exams for more than one line of authority, be prepared to file - and pay - per line. Build that into your budget if you're going after both lines in Life and A&H.
Continuing education & renewal
Resident producers complete 24 CE hours every 2-year biennium, including 3 hours of ethics. The reporting period runs March 1 through the last day of February of even-numbered years, and that February date is your renewal deadline. Up to 5 excess general hours carry forward.
Watch the line-specific add-ons: 2 hours of flood training each period if you write homeowners or personal lines under the NFIP, and 3 hours of Delaware LTC training if you're a health producer soliciting long-term care.
Quick Reference
Official Links
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