Utah Insurance Exam Guides
Pick the license you're studying for. Each guide covers Utah-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Utah exam's state-law material, mapped.
Free study resource
What's actually tested on the Utah exam — the state regulations, mapped
Every Utah insurance exam reserves a block of questions for Utah-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 117 facts from the TESTivity Utah regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 14 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years — a life policy is incontestable after it has been in force for 2 years from its date of issue (except for nonpayment of premium)
- Grace period for individual life tested31 days for any premium after the first, during which the policy stays in force (a claim during the grace period is paid less the unpaid premium)
- Window to reinstate a lapsed policy testedWithin 3 years after the date of premium default, with evidence of insurability and payment of overdue premiums (unless the policy was surrendered for cash value)
- Max interest chargeable on reinstatement, if capped testedOverdue premiums are paid with interest at the rate stated in the policy — Utah does not fix a separate statutory reinstatement-interest cap
- Suicide exclusion period tested2 years — suicide is not a defense to a claim under a life policy that has been in force for 2 years; within the first 2 years the insurer's liability is limited to a refund of premiums
- Free look for individual life testedAt least 10 days to return an individual life policy for a refund (longer on a replacement)
- Free look for annuities testedAt least 10 days for an annuity (longer on a replacement under Utah's replacement rules)
- Free look when a policy is being replaced testedUtah's replacement rules extend the right to return when a life policy or annuity replaces existing coverage (commonly a longer period than a new sale)
- Free look for long-term care tested30 days for long-term care, from policy delivery
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under Utah's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Utah Life line plus a variable contracts qualification and FINRA registration (a Series 6 or 7 with a Series 63) and a CRD number — they are securities
- Does the state regulate viatical/life settlements? testedYes — Utah regulates viatical and life settlements; life settlement providers must be licensed by the Insurance Department
- Viator's rescission window testedThe owner has a statutory right to rescind a life-settlement contract within the period fixed by Utah law (commonly within a set number of days after execution or receipt of proceeds)
- Has the state adopted the NAIC best interest standard? testedYES — Utah adopted the NAIC 2020 best interest annuity standard by rule (Utah Admin. Code R590-230), with the obligations of care, disclosure, conflict-of-interest, and documentation; a producer must complete a one-time annuity training
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Utah fully EXPANDED Medicaid effective January 1, 2020, after voters approved Proposition 3 (2018); it covers adults 19-64 up to 138% of the federal poverty level
- Effective date of expansion, if expanded testedJanuary 1, 2020 — full expansion, following voter approval of Proposition 3 in 2018 and CMS authorization in December 2019
- Agency administering Medicaid testedThe Utah Department of Health and Human Services (DHHS), which administers Utah Medicaid
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Utah did not build a state exchange
- Name of the state CHIP program testedUtah's CHIP (Children's Health Insurance Program), administered by the Utah Department of Health and Human Services
- Clean-claim payment deadline, electronic tested30 days — an insurer must act on (pay, deny, or request information about) a written claim within 30 days of receipt
- Clean-claim payment deadline, paper tested30 days — Utah applies the same 30-day standard whether the claim is paper or electronic
- Does the state distinguish electronic vs paper claims? testedNo — Utah uses a single 30-day standard for clean claims rather than splitting electronic from paper
- Interest / penalty on late claim payment testedA late claim accrues a late fee of 0.1% of the claim per day for the first 90 days, and thereafter that 90-day fee plus statutory interest on the remaining days
- Is the IRO's external review decision binding on the plan? testedYES — Utah provides an independent review for adverse health benefit determinations, and the independent review decision is binding on the insurer
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Utah's mini-COBRA reaches smaller employers (2-19 employees)
- Employer size range covered by state continuation testedUtah mini-COBRA applies to employer group policies with 2 to 19 employees (those not subject to federal COBRA)
- Duration of state continuation coverage tested12 months
- Election period for state continuation testedElected after a qualifying event (voluntary or involuntary termination, retirement, death, divorce or legal separation, loss of dependent status, reduction of hours, and similar)
- Max premium as % of group rate testedThe premium may not exceed 102% of the group rate (including any employer contribution)
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedMODIFIED NO-FAULT — Utah requires Personal Injury Protection (PIP), which pays your own medical costs regardless of fault. You may pursue the at-fault driver in tort only if your injuries cross Utah's threshold (at least $3,000 in medical expenses, or a serious injury such as permanent disability/disfigurement, dismemberment, or death).
- Minimum bodily injury liability per person tested$30,000 per person (raised from $25,000 effective January 1, 2025)
- Minimum bodily injury liability per occurrence tested$65,000 per accident (an unusual mid-figure; unchanged in the 2025 increase)
- Minimum property damage liability tested$25,000 per accident (raised from $15,000 effective January 1, 2025)
- The memorizable shorthand (e.g. 30/60/25) tested30/65/25 (effective January 1, 2025; previously 25/65/15)
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedUninsured motorist coverage must be OFFERED (at limits up to the policy's liability limits); the named insured may reject it in writing
- Underinsured motorist status testedUnderinsured motorist coverage must be OFFERED but may be rejected in writing
- Personal injury protection status testedREQUIRED — Utah mandates Personal Injury Protection (PIP) with a minimum of $3,000 per person for medical expenses, plus statutory amounts for lost wages, funeral, and survivor benefits
- Contributory / pure comparative / modified comparative negligence testedMODIFIED COMPARATIVE NEGLIGENCE — a claimant recovers only if their fault is LESS THAN the combined fault of those they seek recovery from; a claimant 50% or more at fault recovers nothing. Recovery is reduced by the claimant's share.
- The bar percentage, if modified comparative testedA claimant whose fault is 50% or more is barred; recovery requires the claimant's fault to be LESS THAN the combined fault of the defendants
- Assigned risk / residual market plan for auto testedThe Utah Automobile Insurance Plan (the assigned-risk plan, administered through AIPSO) — a producer submits an application on the driver's behalf when voluntary coverage cannot be found
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedUtah requires owner's or operator's security (typically an auto policy with PIP); a self-funded coverage or certificate of deposit alternative exists under the Financial Responsibility framework
CE & Renewal 11 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedA Utah producer license runs on a two-year term
- What the renewal date keys off (flat term / birthday / birth year) testedUtah uses a birth-month renewal system — the license expires every two years on the last day of the licensee's birth month (a new license's first renewal can fall 24 to 35 months out to align with the birth month)
- CE hours per renewal period, standard case tested24 CE credit hours every 2 years
- CE hours if holding multiple license types (if different) tested24 total each cycle regardless of how many lines you hold — but at least 12 hours (50%) must be classroom or classroom-equivalent (webinar), and no more than 12 hours may come from insurer-provided courses
- Ethics hours required per period tested3 hours of ethics within the 24
- Any classroom / in-person requirement testedAt least 12 of the 24 hours (50%) must be completed in certified classroom or classroom-equivalent (webinar) courses
- Limits on who may provide CE credits testedAll 24 hours must be from Utah-Insurance-Department-approved courses, and no more than 12 hours may come from courses provided by insurers
- Initial long-term care training requirement testedLong-term care: producers must complete LTC training before selling LTC. Annuities: a one-time annuity best-interest/suitability training under Utah Admin. Code R590-230.
- What happens if CE is not completed (fine / expiry / cancellation) testedA producer who fails to complete CE by the birth-month renewal deadline cannot renew, and the license lapses
- Late renewal / reinstatement tiers testedA lapsed license may be reinstated within the statutory window on completion of CE and payment of a penalty; after that, reapplication (and re-examination) may be required
- Any CE exemption (e.g. long-service agents) testedA producer licensed for 20 or more consecutive years needs only 6 hours per cycle (still including 3 hours of ethics); certain limited lines carry reduced or no CE
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE / competitive rating — Utah insurers file property & casualty rates with the Department and may use them; rates may not be excessive, inadequate, or unfairly discriminatory
- Is insurance credit scoring permitted in personal lines? testedPERMITTED with restrictions — Utah allows credit-based insurance scoring in personal-lines underwriting and rating, subject to the consumer-protection limits of the state's insurance-scoring rules
- Does the state have a FAIR Plan? testedNO — Utah has no FAIR Plan or state-run property insurer of last resort
- Name of the FAIR Plan, if any testedNone — Utah does not operate a FAIR Plan; hard-to-place property risks rely on the surplus-lines/specialty market
- Coastal windstorm pool, if any (e.g. TWIA) testedNone — Utah is landlocked and has no coastal wind pool or beach plan
- Dominant catastrophe perils in the state testedEARTHQUAKE along the Wasatch Fault (running through Salt Lake City, Ogden, Provo, and Logan), wildfire in the wildland-urban interface, flooding and landslide, and windstorm — earthquake and wildfire are Utah's signature exposures, and both are typically excluded from a standard homeowners policy
- What license you must already hold to write surplus lines testedA Utah surplus lines producer license (a separate license, requiring its own exam), held to place business with nonadmitted insurers
- Is a diligent-effort search of the admitted market required first? testedYes — before placing coverage with a nonadmitted insurer, the surplus lines producer must make a diligent search of the admitted market and document that the risk could not be placed with admitted insurers
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Utah Life and Health Insurance Guaranty Association
- Life death benefit limit tested$500,000 in life insurance death benefits per insured life — higher than the $300,000 NAIC-model figure most states use
- Life cash surrender / withdrawal value limit tested$200,000 in net cash surrender or withdrawal value for life insurance
- Annuity benefit limit tested$250,000 in the present value of annuity benefits per contract owner (all annuities with one company combined)
- Health benefit limit tested$500,000 for health insurance claims, including HMO claims, per insured life
- Aggregate per-individual cap, if any tested$500,000 aggregate per individual life across all coverages (the highest single-category cap)
- Does the state follow the standard NAIC model limits? testedNo — Utah EXCEEDS the NAIC model limits: $500,000 life death benefit and $500,000 health (versus the model's $300,000), with $200,000 cash value and $250,000 annuity
- Name of the P&C guaranty association testedThe Utah Property and Casualty Insurance Guaranty Association
- Per-claim cap testedUp to $300,000 per covered claim, never more than the policy limit; workers' compensation claims are paid in full
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association to sell or induce the purchase of insurance is prohibited, and a disclaimer notice is required
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — nearly every Utah employer must carry workers' compensation for its employees, including part-time workers and minors
- Employee count at which coverage is required testedCoverage is required for essentially ANY employer with one or more employees under a contract of hire (part-time workers and minors count); narrow exceptions exist for certain agricultural, domestic, and sole-proprietor situations
- Agency administering workers' compensation testedThe Utah Labor Commission (Division of Industrial Accidents), which administers workers' compensation
- Temporary total disability wage replacement rate testedTwo-thirds (66 2/3%) of the employee's average weekly wage, subject to a statutory maximum (a percentage of the state average weekly wage) and a minimum
- Maximum TTD duration testedTemporary total disability is payable while the worker is disabled, up to a statutory maximum of 312 weeks over the claim
- Deadline to file a claim tested6
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from a private carrier (including WCF Insurance, Utah's competitive quasi-public carrier), or qualify as an approved self-insurer — Utah has no monopolistic state fund
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Utah Insurance Department (UID)
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor with the advice and consent of the Senate, and removable at the Governor's pleasure (not elected)
- Where the state's insurance law is codified testedTitle 31A of the Utah Code (Insurance Code), with producer licensing in Chapter 31A-23a and departmental rules in R590 of the Utah Administrative Code
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a standalone Insurance Department led by a Commissioner appointed by the Governor with Senate consent (the mainstream appointed-commissioner model, not an elected commissioner)
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely testedAuto/property: during the first 60 days a new policy may be canceled more freely; after that, cancellation is limited to the statutory grounds
- Notice days to cancel a homeowners policy inside the initial window testedProperty: at least 30 days' written notice to cancel (only 10 days when the reason is nonpayment of premium); nonrenewal takes at least 30 days' notice
- Notice days to cancel a personal auto policy inside the initial window testedAuto: a midterm cancellation for a reason other than nonpayment is effective no sooner than 30 days after written notice (10 days for nonpayment)
- Notice days for cancellation for nonpayment testedAt least 10 days' written notice for cancellation based on nonpayment of premium (the notice must state the reason)
- Notice days for cancellation for other permitted causes testedA midterm cancellation for a permitted cause other than nonpayment is effective no sooner than 30 days after written notice stating the reason
- Notice days required for nonrenewal testedNonrenewal takes at least 30 days' written notice before the expiration or anniversary date
- Must the reason be stated proactively, on request, or not at all? testedYes — a Utah cancellation or nonrenewal notice must state the actual reason, and midterm cancellation is limited to statutory grounds
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedAfter the initial underwriting window, a Utah personal-lines policy may be canceled midterm only for the grounds allowed by statute (nonpayment, material misrepresentation, substantial change in risk, license/registration suspension, and similar) — not merely because a claim was filed
Licensing 27 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident and Health exam and line of authority
- Is there a combined life+health license/exam? testedYes — Utah offers a combined Life and Accident & Health exam in addition to the standalone Life and Accident & Health exams (a combined-line exam fee applies)
- Is there a personal lines license/exam? testedYes — a Personal Lines line and exam, covering property and casualty sold to individuals for personal, noncommercial purposes
- Is P&C one combined license, or split into Property and Casualty? testedBOTH — Property and Casualty may be taken as separate single-line exams OR as a combined Property & Casualty exam; a narrower Personal Lines line is also offered
- Does the life license cover annuities? testedYes — the Life line covers life insurance and annuities. VARIABLE life and variable annuities require the Life line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — holding the Property and Casualty lines (or the combined P&C exam) covers personal-lines risks; standalone Personal Lines is a narrower, personal-only line
- Full list of exam-based agent license types testedUtah offers Life · Accident and Health · Property · Casualty · Personal Lines — with combined Life & Accident/Health and Property & Casualty exams available — plus Title, Variable Contracts (with FINRA registration), Surplus Lines, Adjuster (independent and public), and limited lines
- Exam administrator (Prometric / PSI / Pearson VUE) testedPrometric administers Utah producer exams (in-person at a test center or remotely via ProProctor)
- Exam fee tested$32 for a single-line exam; $44 for a combined-line exam (plus a $6 Prometric fingerprint processing fee)
- License application fee testedThe resident producer license fee (set in the UID fee schedule), plus a $32 FBI/BCI fingerprint fee ($12 FBI + $20 BCI) paid during the online application
- Fee per insurer appointment testedAppointments and terminations are filed electronically by the insurer through SIRCON or NIPR; a producer cannot act for an insurer until the appointment is complete
- Passing score tested70% (Utah producer exams are scored; 70% is the passing standard)
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Utah has no pre-licensing education requirement; you may take the exam directly for any line (the Department does not even offer study materials)
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — Utah requires no pre-licensing hours for any line. A study course (like this one) is strongly recommended, but not legally required.
- Fingerprints, state police report, or none testedFingerprint-based criminal background check — every resident applicant is fingerprinted using live-scan technology, sent to the Utah Bureau of Criminal Identification (BCI) and the FBI
- Who takes the prints / issues the report testedLive-scan fingerprints are captured at the Prometric test center and transmitted to the Utah Department of Public Safety, Bureau of Criminal Identification (BCI) and the FBI
- How long the background report stays valid testedFingerprints are submitted with the initial resident application; a producer who already holds a resident license is not re-fingerprinted to add a line or license type
- Deadline to apply after passing the exam testedYou apply immediately after passing — Utah applicants apply online at a kiosk in the Prometric test center right after the exam (you cannot apply before passing)
- How long a passed exam remains valid testedBecause you apply at the test center right after passing, there is effectively no separate score-validity waiting window
- Waiting period before retaking a failed exam testedIf you fail, you must re-register with Prometric and pay the exam fee again before retaking
- Limit on number of attempts, if any testedUtah does not publish a fixed cap on attempts; you re-register and pay the fee for each attempt
- Notice required to reschedule/cancel without forfeiting the fee testedChange or cancel an exam appointment in advance under Prometric's standard policy to avoid forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedApply and pay online through SIRCON (sircon.com/utah) or NIPR (nipr.com) — Utah no longer accepts paper applications
- Are temporary licenses available? testedYes — Utah provides temporary producer licenses in limited business-servicing situations (such as the death or disability of a producer), not as a general 'work while you study' license
- Temporary license duration and training requirement testedIssued without an exam to service an existing insurance business (for example after a producer's death or disability); the Commissioner may limit its authority and duration