What This License Is
An Illinois Property license lets you sell coverage protecting homes, buildings, and personal property against loss — homeowners and dwelling property coverages, commercial property, inland marine, and flood in Illinois. It is issued by the Illinois Department of Insurance.
Licensing runs through the same process as every Illinois producer line — the difference is the focused Property exam. Note that Illinois requires 20 hours of pre-licensing education for this line before you can sit for the exam.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-property/purchase#a_aid=getthelicense) to satisfy your Illinois 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 Illinois requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Illinois 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.
Exam Options & Format
The Property exam is Property (Fire) Producer (Pearson VUE, paired General + State exams): 90 total (80 scored: 50 general + 30 Illinois; 10 pretest) questions, 2 hr 15 min (general 1:25 + state 0:50), $92 per attempt. Passing standard: 70.
Illinois does not offer a combined exam for these lines — each line of authority is its own exam, so producers who want both simply take both exams.
How Illinois Licenses Property & Casualty Producers
Illinois licenses by individual line of authority and treats Property and Casualty as two distinct lines. Each has its own pre-licensing course and a two-part exam — a General (product knowledge) portion and an Illinois State (statutes and regulations) portion.
A producer who wants full Property & Casualty authority sits four exams: Property General, Property State, Casualty General, and Casualty State. The General and State exams for a line must be passed within 90 days of each other.
One quirk to remember: the limited Motor Vehicle line cannot be held at the same time as a full Property + Casualty license — they are mutually exclusive on the Producer Database.
Eligibility and Pre-Licensing Education
You must be at least 18, have an SSN or FEIN, and provide proof of Illinois residency.
Illinois requires 20 hours of pre-licensing per line (7.5 hours classroom or live webinar, 12.5 self-study). A combined Property & Casualty course is 40 hours with 15 hours in the live/classroom format. The completion certificate is valid for 12 months.
Holders of the CPCU or ARM designation are exempt from P&C pre-licensing education.
Illinois Auto Statutes (Casualty State)
Auto is the heaviest single topic on the Casualty State exam. Illinois mandatory minimums are 25/50/20 — $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage (625 ILCS 5/7-601).
Illinois also mandates uninsured-motorist bodily injury at 25/50, and that coverage cannot be waived (215 ILCS 5/143a); underinsured-motorist coverage is addressed in 5/143a-2. Know the difference between the two and when each responds.
Round it out with the Illinois Automobile Insurance Plan (assigned risk, 625 ILCS 5/7-501), the age-55+ defensive-driving discount (5/143.29), anti-theft and equipment provisions, and the financial-responsibility surcharge — the outline lists these as discrete, testable items.
Illinois Property Statutes (Property State)
Two Illinois-specific programs dominate the Property State exam. The Illinois FAIR Plan (215 ILCS 5/522–525) provides basic property coverage to applicants the standard market declines — know its purpose, definitions, and industry-placement mechanics.
The Illinois Mine Subsidence Insurance Fund (215 ILCS 5/801.1 and following) reflects the state's coal-mining history: in designated counties, mine-subsidence coverage must be offered with property policies. This is a signature Illinois topic you will not see in most other states.
Also testable: a property risk cannot be rejected solely on the basis of location (5/155.22), plus the renewal, nonrenewal, cancellation, and certificate-of-insurance rules in 5/143.10–143.27.
Rules Common to Property & Casualty
A small shared block (about 5 questions) covers material common to both P&C lines: renewal/nonrenewal/cancellation and certificates of insurance, premium financing, the Insurance Claims Fraud Prevention Act (5/155.23), the use of credit information (215 ILCS 157/15, 157/20), and hate-crime provisions.
Policyholder backstop on the P&C side is the Illinois Insurance Guaranty Fund (215 ILCS 5/532, 5/533, 5/537) — distinct from the Life & Health guaranty association.
Regulatory Material Common to Every Line
About 22 of the State-exam questions come from all-lines material: the Director of Insurance, licensing and registration, fiduciary responsibilities (Reg. 3113), and marketing practices — rebating, misrepresentation, defamation, and unfair trade and claims practices (Reg. 919).
Because this block is shared across every Illinois line, the time you spend on it for Property carries straight over to Casualty — and to Life and Health if you add them later.
Costs and How to Apply
Each Pearson VUE exam is $92. When you order a General exam and its matching State exam for the same line on the same order, you receive a $92 discount, so the pair costs $92 total. The fee already includes the state's $50 administrative fee and is non-refundable.
After you pass, you must wait 5 days before applying. Apply online at NIPR (nipr.com). The Illinois resident producer application fee is $215 — among the highest in the country — plus the NIPR transaction fee.
Illinois requires a fingerprint-based background check through an IDFPR-licensed live-scan vendor. Get fingerprinted at least a day before you apply so results are on file when NIPR transmits your application. Vendor fees vary (commonly about $30–$60).
Names must match exactly across your pre-licensing certificate, exam registration, fingerprint record, and NIPR application — a mismatch will delay or reject the application.
Keeping Your License Active
Important CE details: Includes 3 hours of ethics. The 24-hour total does not increase if you hold multiple lines (for example, both L&H and P&C). Renew by the last day of your birth month every 2 years; Illinois provides no grace period for late renewal.
Illinois requires 24 hours of CE every 2 years, including 3 hours of ethics. Holding more than one line of authority does not increase the total — it stays 24 hours.
Renewal is tied to your birth month: licenses renew every 2 years by the last day of your birth month, and you may renew up to 90 days early. Illinois allows no grace period for late renewal, so a missed deadline means the license lapses.
Quick Reference
Official Links
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