What This License Is
The Utah accident and health line of authority covers medical, disability income, dental, vision, Medicare supplement, long-term care and the rest of the health family. It is issued by the Utah Insurance Department under §31A-23a-106.
Get the name right, because it shows up in exam stems. Utah's statute says "accident and health" — not "health," not "accident and health or sickness," not "life and health." Prometric's exam name mirrors the statute exactly: Producer's Accident and Health Exam. When a question references "the accident and health line of authority," that is Utah's own phrasing, not a distractor.
This is also the line where Utah's substantive rules stray furthest from national material. The sections below on grace periods and claim deadlines are not garnish — they are the concentrated Utah content on a 100-question exam.
Exam Options & Format
The Accident and Health exam is Prometric Series 17-02: 100 questions, 2 hours, $32 per attempt. Five unscored experimental questions are distributed through it without being flagged; the bulletin does not say whether they fall inside or on top of the printed 100.
The combined route is Series 17-03, Life, Accident and Health: 150 questions, 2 hours 30 minutes, $44, returning both lines from a single score. At $12 over the single-line fee it is the better economics for most people — but read the bulletin's own caveat first: "The combined exam results in one final score. You must pass the complete exam to qualify for a license." One score means one outcome. Fail it and neither line issues.
You may sit either exam at a Utah test center — four of them, with addresses in the Property guide — or remotely, which is what the next section is about.
Most Tested Topics on the Utah Accident and Health Exam
Utah's accident-and-health provisions sit in Title 31A, Chapter 22, Part 6, with the claim-payment machinery over in Chapter 26. Several of these numbers are simply different from the ones national prep drills, which makes them reliable exam material. From the TESTivity Utah regulations curriculum, statute-verified:
| Utah accident and health concept | The rule, and where it comes from |
|---|---|
| Grace period, individual or franchise A&H | At least 15 days on a weekly or monthly premium policy, 30 days on any other — and the policy is NOT in force during the grace period, though coverage continues without a gap if payment arrives in time (§31A-22-607) |
| Grace period, group or blanket A&H | At least 30 days, and the policy IS in force throughout; it terminates as of the last day of the grace period if the premium never arrives (§31A-22-607) |
| Notice of claim, A&H | 20 days after the occurrence or commencement of the loss (§31A-22-614(2)) |
| Proof of loss, A&H | 180 days after the date of the loss, or after the termination of the period the insurer is liable for on periodic-payment claims — twice the national 90-day standard (§31A-22-614(3)) |
| Free look, A&H | 10 days after delivery. Group policies, and single-premium nonrenewable policies of 60 days or less, are excluded (§31A-22-606) |
| Free look, Medicare-related coverage | 30 days — triple the ordinary A&H window (§31A-22-605, §31A-22-620(6)) |
| Free look, long-term care | 30 days, with a prominent notice of the right on the first page of the policy or attached to it (§31A-22-1408) |
| Incontestability, A&H | 2 years — after two years in effect a statement may not avoid coverage, and a claim more than two years from issue may not be reduced for a preexisting condition (§31A-22-609) |
| Clean-claim decision deadline | 30 days from receipt of a written claim to pay or deny, extendable by 15 days where the insurer determines the extension is necessary (§31A-26-301.6(3)) |
| Late-payment fee on a health claim | Claim amount × days late × a 0.033% daily interest rate. A late fee under $1 is disregarded, and it is separately identified on the payment documentation (§31A-26-301.6(8)) |
| State continuation ("mini-COBRA") | 12 months of extended group coverage, elected within 60 days of losing it, at no more than 102% of the group rate (§31A-22-722) |
The grace-period rows are the ones to over-learn. Nearly every national study manual teaches the 7 days weekly / 10 days monthly / 31 days all other triad. Utah does not use it. Utah uses 15 and 30, and then adds a distinction almost nobody expects: on an individual or franchise policy the coverage is not in force during the grace period — the grace period buys continuity, not protection — while on a group or blanket policy it is. Two policy types, opposite answers to "is the insured covered on day 12 of the grace period?", and both live in the same statute.
The claim deadlines move in opposite directions, which is what makes them testable as a pair. Notice of claim is 20 days where thirty is the answer nearly everywhere else — shorter than the national default. Proof of loss is 180 days where ninety is the national default — twice as long. A candidate who assumes Utah is uniformly stricter gets the second one wrong; a candidate who assumes it is uniformly looser gets the first one wrong. Learn them as a contrast, not as a pattern.
One footnote on the continuation rule, because precision matters here. Utah's §31A-22-722 states no employee-count range of its own. It excludes anyone "eligible for an extension of coverage required by federal law," and that exclusion is what confines it in practice to employers too small for federal COBRA. The familiar "2 to 19 employees" description is an accurate account of how it works, but it is not language you will find in the statute.
Taking the Utah Exam Remotely, With ProProctor
Utah is one of the states that has kept remote proctoring while other jurisdictions quietly retired it. The current bulletin announces it directly: "The Utah Department of Insurance and Prometric are pleased to announce the ability to schedule your Utah Insurance exams in two ways either in a physical test center or in a remotely proctored testing location using Prometric's ProProctor™ application." Prometric's live Utah page says the same thing in fewer words — "There are now two ways to sit for your exam: in a test center or with a remote proctor."
Run the system check before you book, not after. Prometric publishes a compatibility check on the Utah page, and it is worth the four minutes because the published requirements rule out a surprising number of setups:
| Requirement | What Prometric publishes for Utah |
|---|---|
| Device | A laptop or PC only — tablets are prohibited — with a camera and microphone |
| Power | Plugged directly into a power source and unattached from any docking station |
| Screen resolution | Minimum 1024 x 768 |
| Operating system | Windows 7 or higher, or macOS 10.13 or higher |
| Browser | A current version of Google Chrome |
| Internet speed | 0.5 Mbps or greater |
| Connection | Position for the strongest signal; an ethernet cable straight to the router is recommended over Wi-Fi |
Scheduling runs through ProScheduler, and the test-center and remote-proctor paths are genuinely separate booking flows with separate reschedule links — from prometric.com/utah/insurance, choose "Schedule Remote Proctor" rather than the test-center option. The same ProScheduler tool handles fingerprint appointments, which is a useful thing to know for the reason in the warning below.
The Utah-specific sources stop short of a step-by-step check-in script — no published launch lead time, no room-scan sequence, no ID-capture walkthrough. Prometric hands that off to its general ProProctor User Guide. Read that guide the day before rather than improvising, and treat the 24-hour reschedule rule as applying identically to a remote booking: cancel inside 24 hours or fail to launch, and the fee is forfeited.
What It Costs
$32 to Prometric for Series 17-02, $38 in fingerprint fees ($32 to the Department for the FBI and BCI checks, $6 to Prometric to process the capture), and $70 to the Department for the individual full-line license — about $140 if you pass on the first attempt, with no pre-licensing tuition anywhere in the total.
Two caveats on that $70. The Department's FY2027 Fee Schedule is where it comes from; Prometric's bulletin, current as of September 2025, still prints $75. And neither Sircon nor NIPR publishes its Utah transaction fee in advance, so the checkout total will be a few dollars higher than the sum above.
If you already hold a Utah producer license and are adding accident and health to it, the fee is $25 for the additional line of authority rather than $70 — and you are not re-fingerprinted.
Eligibility Requirements
You must be at least 18 — the application makes you attest to it (§31A-23a-104(2)(b)(iv)) — and hold a Social Security number. Utah requires no pre-licensing course, no sponsorship and no minimum tenure in the state — but a producer moving in from another state must apply for the Utah resident license within 90 days of establishing legal residence, which is also the window that preserves an exam waiver for lines already held.
Grounds for denial live at §31A-23a-111(5)(b); fraud, dishonesty and breach of trust are the categories that matter. Disclose fully on the background questions and attach documentation — a disclosed old conviction is an ordinary review, an undisclosed one is a misrepresentation.
Keeping Your License Active
Important CE details: Utah assigns no CE hours by line, so an accident-and-health producer meets the same 24 as anyone else: 3 ethics, 12 classroom or classroom-equivalent, and no more than 12 from insurer-provided courses.
24 hours every two years, 3 of them ethics, at least 12 of them classroom or classroom-equivalent, with no more than 12 from insurer-provided courses (§31A-23a-202(3)(b)(i)). Utah allocates nothing by line, so an accident-and-health producer's 24 hours look identical to a property producer's.
Worth naming what Utah does not require, because prep material routinely asserts otherwise: no Utah statute or rule imposes a producer long-term care training requirement. R590-148 — the Long-Term Care Insurance Rule — has thirty sections and none of them is a training section; its licensing section says only that a producer may not sell LTC "except as authorized by Title 31A, Chapter 23a." The familiar "8 hours initial plus 4 ongoing" is a pattern from other partnership states, and no Utah primary source carries it. If your business plan depends on that answer, call the Department's licensing division rather than trusting a course outline.
Renewal is on the last day of your birth month, biennially. The Property & Casualty guide walks the full renewal and reinstatement mechanics.
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