What This License Is
A Utah Life, Accident & Health license — often called the Life & Health or LA&H license — lets you sell life insurance, annuities, accident, and health products to people and businesses in Utah. It is issued by the Utah Insurance Department.
Because Utah does not require pre-licensing education, the path is unusually short: register with Prometric, pass the exam, apply and get fingerprinted at the testing center, and your license is on its way.
Eligibility Requirements
You must be at least 18, provide proof of Utah residency, and meet the character standards in Utah Code §31A-23a-107. You also need a Social Security Number (or FEIN for business entities).
A criminal history does not automatically disqualify you, but felonies involving fraud, dishonesty, or breach of trust can lead to denial. Answer every background question honestly — misrepresentation is itself grounds for denial.
Exam Options & Format
Prometric administers the Utah exam. You can test in person at one of four Utah Prometric centers (Salt Lake City, Lindon, Taylorsville, St. George) or remotely via ProProctor with a compatible computer and webcam.
Most people take the combined Life, Accident & Health exam (Series 17-03): 150 questions, 2 hours 30 minutes, all three lines of authority covered. Lines can be taken separately if needed, but the combined exam is the more efficient path.
What the Exam Covers
The Utah Series 17-03 exam is weighted across general principles and Utah-specific material. The major content areas (per the Utah Licensing Information Bulletin) include Insurance Regulation (~7%), General Insurance (~5%), Life Insurance Basics, Life Insurance Policies, Policy Provisions, Annuities, Health Insurance, and Utah law sections.
The Utah-specific law content is where preparation matters most. Generic national study material will get you the bulk of the exam, but the Utah Insurance Code questions are where unprepared candidates lose points.
What It Costs
Budget for the whole single-visit process up front. Here is the breakdown:
Passing Score
You need 70% to pass. Your result appears on screen the moment you finish, and Prometric reports it to the Utah Insurance Department.
Aim for a consistent 80% on practice exams before you schedule. That buffer is the single best predictor of a first-attempt pass.
If You Pass — and If You Don't
If you pass: go straight to the Prometric kiosk to submit your license application through NIPR or Sircon. Pay the $75 application fee plus the $5.60 transaction fee, then the FBI/BCI fingerprint fee. Hand your confirmation to the proctor and get fingerprinted. Submit your application within 90 days of passing or your exam results expire.
If you don't pass: you can re-register and pay the fee again with no waiting period. Use the diagnostic report from Prometric to target your weak areas, then come back.
Keeping Your License Active
Important CE details: 3 hours must be ethics. At least 12 hours must be classroom or classroom-equivalent (online live with interaction). No more than 12 hours from any one insurer. Renewal is by birth month every 2 years. No CE carry-over.
Once licensed, Utah requires 24 hours of continuing education every 2 years, with 3 hours in ethics and at least 12 hours in classroom or classroom-equivalent (live online interaction) format. The remaining hours can be self-study, but no more than 12 hours can come from courses provided by a single insurer.
Renewal is tied to the last day of your birth month, every two years. CE hours do not carry over between renewal cycles.
Two product-specific training rules also apply: a one-time 4-hour Annuity Best Interest course before selling annuities, and a one-time 3-hour Long-Term Care course before selling LTC (with 3 hours every renewal period after that, if you continue to sell LTC).
How to Actually Prepare
Most people who pass put in 50–80 hours over three to five weeks. Because Utah does not require a pre-licensing course, everything depends on the prep you choose to do — there is no required baseline.
Quick Reference
Official Links
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