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 August 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 from the policy’s date of issue, during the lifetime of the insured — or, for a survivorship policy, during the lifetime of the SURVIVING insured. Nonpayment of premium, §31A-22-609 accident-and-health benefits, and accidental death benefits are carved out; a reinstated policy is contestable for 2 years as to reinstatement matters only
- Grace period for individual life tested31 days for any premium after the first — or not less than 4 weeks if premiums are payable more frequently than monthly. The policy CONTINUES IN FULL FORCE during the grace period, and a claim arising in it is paid less the overdue premium and interest
- Window to reinstate a lapsed policy tested3 years from the date of premium default — but only 2 YEARS for a policy with a face amount under $5,000. Group policies are excluded from the section entirely
- Max interest chargeable on reinstatement, if capped testedUtah fixes no separate statutory reinstatement-interest cap; overdue premiums are paid with interest at the rate the policy states. (Distinct rule during the grace period: §31A-22-402(3) caps interest at the policy-loan rate, or a rate the commissioner sets by rule if the policy is silent)
- Suicide exclusion period tested2 years from the date of issuance — after that, suicide is not a defense whether the death is voluntary or involuntary and whether the insured was sane or insane. Within the 2 years the insurer pays not less than premiums paid, minus dividends, indebtedness and partial withdrawals. Each later increment of benefit starts its own 2-year clock
- Free look, new individual life or annuity tested10 days after the policy, contract or certificate is delivered — the owner may return it, void from issuance, and get every premium back (Utah Code §31A-22-423(1))
- Free look, annuity contract tested10 days after delivery, the same window a new life policy carries — §31A-22-423 covers "a life insurance policy or annuity contract" and their certificates in one clause
- Free look when the policy replaces existing coverage tested30 days — triple the ordinary window. §31A-22-423 gives the owner 30 days after delivery of a replacement policy, contract or certificate
- Free look, long-term care tested30 days after delivery, with a prominent notice of that right printed on the first page of the policy or attached to it — the cite is the LTC statute, not the replacement statute
- 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 testedUtah treats "variable contracts" as its own enumerated LINE OF AUTHORITY under §31A-23a-106 — not an endorsement bolted onto life. You apply for it alongside (or already holding) a life license, and you must carry current FINRA qualification plus registration with the Utah Division of 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 at Utah Admin. Code R590-230, with the care, disclosure, conflict-of-interest and documentation obligations. A producer selling annuities on or after July 1, 2024 must complete a ONE-TIME four-credit approved annuity training course; producers licensed before that date had until July 1, 2025. Substantially similar training from another state satisfies it
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 — the insurer must pay or deny a written claim within 30 days of receipt, extendable by 15 days if the insurer determines the extension is necessary. Income-replacement determinations get 45 days with two possible 30-day extensions
- 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 testedThe late fee is the claim amount × the number of days the response or payment is late × a 0.033% DAILY INTEREST RATE. There is no tier and no cutoff — the same rate runs for the whole period — a computed fee under $1 is disregarded, and the fee must be separately identified on the payment documentation
- 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 §31A-22-722 extension states NO employer-size range of its own — it is excluded whenever the person "is eligible for an extension of coverage required by federal law," which is what confines it in practice to sub-COBRA employers
- Employer size range covered by state continuation testedUtah’s statute sets no express employee-count range. It applies to employer group policies generally and drops out where federal COBRA applies — so the familiar "2 to 19 employees" description is an accurate inference from the federal-eligibility exclusion, not quoted statutory text
- Duration of state continuation coverage tested12 months
- Election period for state continuation tested60 days from losing group coverage. Qualifying events include voluntary or involuntary termination, retirement, death, divorce, loss of dependent status, sabbatical, disability, leave of absence, and reduction of hours
- 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 for bodily injury to or death of two or more persons — an unusual mid-figure, and the ONLY one of the three that HB 113 left 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 for policies issued or renewed on or after January 1, 2025 (previously 25/65/15) — or a single combined limit of $90,000 in any one accident, up from $80,000. Self-insured private rental fleets keep the old figures
- 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 the defendants, plus any immune persons and allocated nonparties; a claimant 50% or more at fault recovers nothing, and recovery is reduced by the claimant’s share. The comparison set is broader than "the people you sued," which changes the answer in multi-party fact patterns
- 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 mechanism, administered through the Western Association of Automobile Insurance Plans (WAAIP) and serviced by 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 no matter how many lines you hold — Utah allocates NO hours by line of authority. Beyond the 3 ethics hours, "the remaining 21 hours can be in any line." At least 12 must be classroom or classroom-equivalent, and no more than 12 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 product-specific training requirements testedANNUITIES: a one-time four-credit approved training course before selling annuities (R590-230-5), required of producers selling on or after July 1, 2024. LONG-TERM CARE: no Utah statute or rule imposing a producer LTC training requirement could be located — R590-148-26 says only that a producer is not authorized to sell LTC "except as authorized by Title 31A, Chapter 23a," and the CE rule and Department CE page are silent. The commonly quoted "8 hours initial plus ongoing" is a national-prep pattern with no Utah primary source behind it
- What happens if CE is not completed (fine / expiry / cancellation) testedThere is no fine. Failure to complete CE before submitting the renewal application is a statutory LAPSE trigger — §31A-23a-113(1)(b) — and the Department will not process a renewal until the provider has posted the credits through Sircon (providers report within 14 days of course completion)
- Late renewal / reinstatement tiers testedNo grace period and no separate late fee — the license goes inactive on the expiration date. Reinstatement is available from the 4th day after inactivation through day 365, at $120 (full line) or $95 (limited line), with the full 24 hours of CE completed. Miss the one-year window and you reapply as a brand-new applicant: new exam, new fingerprints. Reinstating does NOT reset the clock — the reinstated license expires on the date it would have expired anyway
- Any CE exemption (e.g. long-service agents) testedThe 20-consecutive-years reduction to 6 hours applies to TITLE producers only — §31A-23a-202(3)(b)(iii)(B) — and is NOT a general long-service exemption for life, health, property or casualty producers. Utah’s general exemptions: long-tenured licensees may request one, though the sources conflict on the date (the statute at §31A-23a-202(3)(d)(i)(A) says first licensed before December 31, 1982; the Department’s CE page prints 1988), provided the license has not lapsed continuously for more than a year and the Department approves; nonresidents who satisfy their home state’s CE; holders of CLU, ChFC, RHU, CPCU, CFP, REBC, CIC, ACSR, CRM, SOFE or IRES completing that program’s own maintenance; and extenuating circumstances such as military service or long-term medical disability
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE, file-AFTER-use — §31A-19a-203(1)(d) requires each filing "within 30 days AFTER the rates and supplementary information, changes, and amendments are effective." Rates may not be excessive, inadequate, or unfairly discriminatory (§31A-19a-201). Workers compensation is the exception: those rates must be filed at least 30 days BEFORE the effective date
- Is insurance credit scoring permitted, and in which lines? testedPERMITTED, but Utah’s restrictions run to PRIVATE PASSENGER AUTOMOBILE only — §31A-22-320 sits in the motor vehicle part and R590-219 applies to "a property and casualty insurer doing private passenger automobile business." Credit may be used for initial underwriting if other risk-related factors are also considered, and in rating only to grant a discount. It may not cancel or nonrenew an auto policy in effect 60 days or more, and may not be used against an added household vehicle or a newly licensed household driver. No parallel Utah restriction on homeowners was located
- 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, which runs from Malad City, Idaho to Fayette, Utah beneath Ogden, Salt Lake City and Provo — earthquake is EXCLUDED from the standard homeowners form and written by endorsement or separate policy. (Logan is not on the Wasatch Fault; Cache Valley sits on the separate East Cache fault zone.) WILDFIRE in the wildland-urban interface is the second signature exposure, and it works the other way: fire, including wildfire, IS a covered peril on the standard form, so the constraint is underwriting appetite rather than policy language
- What license you must already hold to write surplus lines testedA separate Utah surplus lines producer license with its own exam (Prometric series 17-21) — AND the Department requires that "you must have been a property/casualty insurance producer for at least three of the past four years" before it will issue one
- Is a search of the admitted market required first? testedYes, and Utah words it as a GOOD FAITH EFFORT rather than "diligent effort" — R590-171-6 requires "a good faith effort is made to place the insurance with an admitted insurer" for coverage not on the export list, plus a record of the efforts and a written explanation, retained at least 3 years from inception. A better price alone does not justify export unless the admitted quote is excessive, and the rule sets NO minimum number of declinations
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 testedUNSETTLED — the statute’s general annuity clause, §31A-28-103(8)(b)(ii), states no separate dollar cap, leaving the $500,000 aggregate-per-life ceiling at (9)(a) to govern; the $250,000 figure appears at (8)(c) for UNALLOCATED GOVERNMENTAL RETIREMENT PLAN annuities. The Association’s own consumer FAQ nonetheless states $250,000 per contract owner for annuities generally, citing a January 1, 2019 date that predates the 2021 amendment
- 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 for any one life in the aggregate (§31A-28-103(9)(a)) — so the categories do not stack. Separate ceilings: $5,000,000 for one owner of multiple nongroup life policies, and $5,000,000 for unallocated annuity contracts regardless of how many contracts the owner or plan sponsor holds
- Does the state follow the standard NAIC model limits? testedNo — Utah EXCEEDS the NAIC model on the headline figures: $500,000 life death benefit and $500,000 health benefit plan where the model uses $300,000, plus $200,000 net cash surrender. Aggregate per one life is $500,000; one owner of multiple nongroup life policies is capped at $5,000,000
- Name of the P&C guaranty association testedThe Utah Property and Casualty Insurance Guaranty Association
- Per-claim cap testedThe association’s obligation "includes only that amount of each covered claim that is LESS THAN $300,000," and there is NO per-claim deductible in the Utah statute. Workers compensation claims are paid in FULL, exempt from the cap. Unearned-premium claims on personal lines policies must exceed $100 and are capped at $10,000 per policy. All obligations to one insured and its affiliates cease at $10,000,000 per insolvency
- Is using the guaranty association as a sales inducement prohibited? testedYes — §31A-28-119 bars an insurer, agent or affiliate from using the association’s existence to advertise or solicit insurance, and requires a commissioner-approved summary document with every policy carrying a clear and conspicuous disclaimer (form set by rule at R590-155). The disclaimer must warn that the association may not cover the policy, that coverage carries substantial limitations and is conditioned on continued residence in the state, and that buyers should not rely on it when choosing an insurer
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 of any employer that "regularly employs one or more workers" under a contract of hire — part-time workers and minors count. There is NO numeric small-employer exemption; the carve-outs are situational rather than headcount-based (a domestic employer of someone working under 40 hours a week, and agricultural employers under an $8,000 annual payroll)
- Agency administering workers' compensation testedThe Utah Labor Commission (Division of Industrial Accidents), which administers workers' compensation
- Temporary total disability wage replacement rate tested66-2/3% of the employee’s average WEEKLY wage at the time of injury, plus $20 for a dependent spouse and $20 for each dependent child under 18 up to four children — subject to a weekly maximum of 100% of the state average weekly wage and a minimum of $45 per week
- Maximum TTD duration tested312 weeks, and that entitlement must be used within 12 years from the date of injury
- Deadlines to notify and to file testedTWO clocks. Notify the employer or the division within 180 DAYS of the injury (§34A-2-407(3)(b)), or the claim is barred. Then file an application for hearing with the Division of Adjudication within 6 YEARS of the date of the accident, and carry the burden of proof by 12 years (§34A-2-417(2)). Medical-expense claims run 1 year from the expense; death benefits, 1 year from the date of death
- 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 subject to removal at the governor’s pleasure. Utah sets NO fixed term of years — if the office falls vacant out of session, a successor serves as acting commissioner until the Senate can act
- 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 nonpayment cancellation notice must include "a statement of the reason for cancellation." For other grounds, if the notice is not precise enough the policyholder may request detailed factual information, and must do so within 10 working days
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedMotor vehicle policies get named protections the general rule does not spell out — §31A-21-303 bars nonrenewal based on a fault-free accident, a single speeding violation not exceeding 10 mph over the limit, or a comprehensive/weather claim (wind, hail, lightning, earthquake), each protected once in a 36-month period for a driver 21 or older. License suspension or revocation IS a permitted cancellation ground. Outside those, a personal-lines policy past its initial window may be canceled midterm only on the statutory grounds
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’s statutory producer lines are life, variable contracts, ACCIDENT AND HEALTH, property, casualty (which expressly includes surety bonds), title (split three ways — examination, escrow, marketing representative), and personal lines. Combined Life/A&H and Property & Casualty exams are offered. Separate license types: surplus lines producer, limited line producer, consultant, managing general agent, and reinsurance intermediary
- Exam administrator (Prometric / PSI / Pearson VUE) testedPROMETRIC administers every Utah producer exam — in person at four Utah test centers or remotely through the ProProctor application. Register at prometric.com/utah/insurance or (888) 226-8740. Since December 18, 2023, Prometric also offers the Utah exams in Spanish (series 17-31 through 17-59)
- Exam fee tested$32 for a single-line exam (17-01 Life, 17-02 Accident and Health, 17-22 Property, 17-23 Casualty, 17-20 Personal Lines); $44 for a combined exam (17-03 Life/A&H, 17-04 Property & Casualty) — cheaper than $32 + $32. Separately, $6 to Prometric to process fingerprints
- License application fee tested$70 for an individual full-line license, initial or biennial renewal; $45 limited line; $25 to add a line of authority to an existing license (UID FY2027 Fee Schedule). Plus $32 in FBI/BCI fingerprint fees ($12 FBI + $20 BCI) paid by card during the online application. Note the Prometric bulletin still prints the older $75/$50 figures
- Appointment requirement before soliciting testedAn individual producer MAY NOT act as an agent in soliciting, negotiating or binding insurance without either an appointment with an insurer or a designation to an agency — §31A-23a-115(1)(a) says the insurer "shall appoint" the producer in order for the licensee to do business for it in this state. Appointments and terminations are filed electronically by the insurer through Sircon or NIPR; no appointment fee appears on the Department’s fee schedule
- Passing score tested70%, and Utah reports it as a RAW PERCENTAGE, not a scaled score — the score report shows "the numerical percentage of questions answered correctly." Worth knowing the provenance: the current bulletin prints no passing figure at all; the 70% comes from Prometric’s undated Utah exam FAQ
- Minimum age to be licensed tested18 — and a producer moving to Utah from another state must apply for a resident license within 90 days of establishing legal residence
- Is pre-licensing education required? testedNO — "Utah has no pre-licensing requirements for licensure." There is no approved-provider list, no certificate, and no certificate expiry, because the requirement does not exist. Neither the Department nor Prometric publishes, reviews or approves 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 testedPROMETRIC takes the prints — live scan at the test center, not IdentoGO and not a BCI walk-in site — and transmits them to the Utah Department of Public Safety, Bureau of Criminal Identification (BCI) and the FBI. Utah issues NO service code and NO per-applicant ORI code; your printed Sircon or NIPR confirmation page is the authorization the supervisor needs. Allow about 30 days for BCI and the FBI to process
- 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 cannot apply before you pass — "Candidates may not submit a license application prior to taking any required examination" — and once you do pass, the application and fee are due within 90 days. The intended path is to apply immediately, at the kiosk inside the Prometric test center
- How long a passed exam remains valid tested90 DAYS — and the bulletin prints it in capitals: "YOUR APPLICATION AND FEE MUST BE SUBMITTED WITHIN 90 DAYS OF PASSING YOUR EXAM. AFTER 90 DAYS, THE EXAM MUST BE RETAKEN IN ORDER FOR A LICENSE TO BE ISSUED." A separate 90-day clock runs on prepaid exam fees from the day Prometric receives them
- Waiting period before retaking a failed exam testedNo statutory waiting period. Prometric’s Utah FAQ asks candidates to "wait at least 24 hours from the end of your exam before you attempt to register and schedule again" because results take 24 to 48 hours to post. You re-register and pay the full fee again for each attempt. Note the current (September 2025) bulletin states no waiting period at all
- Limit on number of attempts, if any testedNo published cap. Neither the bulletin, the Department, nor §31A-23a-108 imposes an attempt limit — you re-register and pay $32 (or $44) each time
- Notice required to reschedule/cancel without forfeiting the fee tested24 hours. Contact Prometric at least 24 hours before the appointment to reschedule; cancel inside 24 hours or fail to appear and the exam fee is forfeited. Arriving more than 30 minutes late forfeits it too
- 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, and narrowly — §31A-23a-114 lets the commissioner issue a temporary individual or agency license for not more than 180 days and without requiring an examination, to keep an existing book serviced. It is not a "work while you study" license
- Temporary license duration and training requirement testedUp to 180 days, no exam. Qualifying situations: the surviving spouse or personal representative of a deceased or disabled licensee; a member or employee of an agency on the death or disability of its designated individual; the designee of a licensed agency entering the armed forces; or where the commissioner considers the public interest best served. Utah adds a distinctive TRUSTEE mechanism — on termination of a license the commissioner may appoint a licensed trustee to serve the former licensee’s insureds, paid out of commissions, and it is "a breach of the trustee’s fiduciary duty to capture the accounts of trustor’s clients, either directly or indirectly"