Vermont Insurance Exam Guides
Pick the license you're studying for. Each guide covers Vermont-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Vermont exam's state-law material, mapped.
Free study resource
What's actually tested on the Vermont exam — the state regulations, mapped
Every Vermont insurance exam reserves a block of questions for Vermont-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 116 facts from the TESTivity Vermont 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 September 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 date of issue, during the insured's lifetime, except for nonpayment of premium (individual life). The group-life rule is separate.
- Grace period for individual life tested30 days, or at the insurer's option one month of not less than 30 days - or four weeks for industrial life with premiums payable more often than monthly. A claim arising in the grace period is paid less any premium due or overdue.
- Window to reinstate a lapsed policy testedWithin 3 years of premium default (2 years for INDUSTRIAL life), on written application, evidence of insurability and payment of arrears - unless the policy was surrendered for cash value, its cash value is exhausted, or the paid-up term insurance has expired
- Max interest chargeable on reinstatement, if capped testedOverdue PREMIUMS bear interest at a rate NOT EXCEEDING 6% per annum. Other indebtedness (policy loans) is reinstated with interest compounded annually at the policy loan rate stated in the policy.
- Suicide exclusion period testedVermont has NO suicide statute for life insurance. A suicide limitation is a permissible policy provision, preserved against the incontestability clause by § 3733; its length and remedy are contractual, not statutory.
- Free look for individual life testedVermont mandates NO general individual-life free look. Reg. I-1977-02 § 5(A) treats an unconditional refund provision of at least 10 days as a CONDITION that lets the insurer deliver the Buyer's Guide and Policy Summary with the policy rather than before accepting premium.
- Free look for annuities testedNo general Vermont annuity free look. Reg. I-1977-02 expressly EXCLUDES annuities from its scope, so its conditional 10-day refund does not reach them. The only mandated annuity return right is the 30-day replacement right.
- Free look when a policy is being replaced tested30 days from delivery of the policy or contract, with an unconditional full refund of all premiums or considerations paid - the strongest return right in Vermont life and annuity law
- Free look for long-term care tested30 days from delivery, with the premium refunded, if the policyholder is not satisfied for any reason
- Required nonforfeiture options testedOn default the company must grant a PAID-UP NONFORFEITURE BENEFIT on a plan stipulated in the policy, or on surrender within 60 days pay a CASH SURRENDER VALUE (after 3 full years' premiums for ordinary, 5 for industrial). The stipulated benefit takes effect automatically unless another available option is elected within 60 days. Vermont's statute does not use the terms 'reduced paid-up' or 'extended term'.
- Registrations required to sell variable products testedVariable life and variable annuity products are a separate statutory line of authority requiring the Life line plus FINRA/SEC securities registration - Prometric publishes no Vermont variable-products producer exam
- Does the state regulate viatical/life settlements? testedYes - Vermont regulates LIFE SETTLEMENTS; providers and brokers must be licensed by the Commissioner. The former Viatical Settlements subchapter is repealed.
- Viator's rescission window testedAn absolute right to rescind before 30 CALENDAR DAYS after the contract is executed by all parties - measured from execution, not from receipt of proceeds. If the insured dies within the period the contract is deemed rescinded, subject to repayment within 60 days of death.
- Has the state adopted the NAIC best interest standard? testedYES - DFR Regulation I-2023-01 imposes a best-interest standard: a producer recommending an annuity must act in the consumer's best interest without placing the producer's or insurer's financial interest ahead of the consumer's. Effective 5 July 2024, with a one-time 4-credit producer training requirement.
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES - Vermont expanded Medicaid under the ACA effective 1 January 2014. Vermont Health Connect states the adult threshold as at or below 133% FPL (138% with the 5-point income disregard).
- Effective date of expansion, if expanded testedEffective 1 January 2014, when the adult group was added under the State Plan
- Agency administering Medicaid testedThe Department of Vermont Health Access (DVHA), which administers Vermont Medicaid and runs the state-based exchange. NOTE: 'Green Mountain Care' is NOT current member-facing branding - today it refers to the Green Mountain Care Network (the Medicaid provider network), and the Green Mountain Care Board is a separate health-care regulator.
- Federal marketplace or state-based exchange testedA STATE-BASED marketplace - Vermont Health Connect, operated by DVHA on its own platform, not HealthCare.gov (confirmed for plan year 2026)
- Name of the state CHIP program testedDr. Dynasaur - Vermont's children's and pregnant-persons coverage program
- Clean-claim payment deadline, electronic tested30 days from receipt to do ONE of three things: pay the claim, notify the claimant in writing that it is contested or denied with specific reasons, or pend it under the premium-tax-credit grace period. Electronic claims carry an ADDITIONAL duty to acknowledge receipt within 24 hours after the next business day.
- Clean-claim payment deadline, paper tested30 days - the same clock applies whether the claim is submitted on paper or electronically
- Does the state distinguish electronic vs paper claims? testedPartly - the 30-day clock is the same either way, but electronic claims carry a 24-hour acknowledgment duty and electronic vs non-electronic contested claims have different interest-accrual triggers
- Interest / penalty on late claim payment testedInterest accrues at 12 PERCENT PER ANNUM, with the start date depending on whether the claim was uncontested, contested, electronic or denied
- Is the IRO's external review decision binding on the plan? testedYES - the IRO's determination is binding on the insurer AND the insured, except to the extent either has other remedies under applicable federal or Vermont law
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees. DFR guidance explains that Vermont's continuation law is what reaches private employers with fewer than 20 - the employer-size line is DFR guidance, not a statutory trigger.
- Employer size range covered by state continuation testedThe statute sets NO employee-count threshold - it reaches group health policies delivered or issued for delivery in Vermont generally. DFR guidance describes it as covering private employers with fewer than 20 employees, i.e. those outside federal COBRA.
- Duration of state continuation coverage testedUp to 18 months from the date coverage would have terminated because of the qualifying event
- Election period for state continuation testedWithin 60 days after receiving notice of the qualifying event, in writing, accompanied by the initial contribution. The employer must give notice within 30 days of the qualifying event.
- Max premium as % of group rate testedNot more than 102% of the group rate for the coverage being continued, due monthly in advance
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) - Vermont mandates a liability policy or bond plus UM/UIM, and does not mandate PIP, so it is not a no-fault state
- Minimum bodily injury liability per person tested$25,000 per person
- Minimum bodily injury liability per occurrence tested$50,000 for two or more persons killed or injured
- Minimum property damage liability tested$10,000 for property damage in any one crash
- The memorizable shorthand (e.g. 30/60/25) tested25/50/10 - and note the alternative: evidence of self-insurance in the amount of $115,000 filed with the Commissioner of Motor Vehicles
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY - no policy may be issued without UM/UIM coverage. Minimum bodily injury limits are $50,000 per person and $100,000 for two or more, HIGHER than the liability minimums. UM property damage is CAPPED at no more than $10,000 per claim subject to a $150 deductible - that figure is a ceiling, not a floor.
- Underinsured motorist status testedNot a separate mandate - UIM is folded into the same § 941 requirement and the same 50/100 minimum. An underinsured vehicle is defined by reference to the insured's own UM limits.
- Personal injury protection status testedNot required - Vermont mandates only a liability policy or bond plus UM/UIM; medical payments coverage is optional
- Contributory / pure comparative / modified comparative negligence testedMODIFIED COMPARATIVE - contributory negligence does not bar recovery if the claimant's negligence was NOT GREATER THAN the causal total negligence of the defendants; damages are diminished in proportion to the claimant's share
- The bar percentage, if modified comparative testedThe 51% bar - a claimant at exactly 50% is 'not greater than' the defendant and still recovers (reduced by half); at 51% or more recovery is barred
- Assigned risk / residual market plan for auto testedThe Vermont Automobile Insurance Plan - all insurers licensed to write automobile insurance must cooperate in a plan for the equitable apportionment of applicants unable to procure insurance by ordinary methods
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedIn lieu of an automobile liability policy or bond, evidence of self-insurance in the amount of $115,000 may be filed with the Commissioner of Motor Vehicles
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedNot longer than 24 months. A producer licence expires at 12:01 a.m. on 1 APRIL of the odd-numbered year next following issuance - DFR renders the term as 1 April to 31 March of odd years. Fees are not prorated and the term is fixed regardless of when you apply.
- What the renewal date keys off (flat term / birthday / birth year) testedA COMMON fixed expiration, not a birthday cycle: all producer licences run to 1 April of the odd-numbered year. Other licence classes expire in EVEN-numbered years, and producer appointments expire on 1 June.
- CE hours per renewal period, standard case tested24 hours of continuing education during the preceding two years
- CE hours if holding multiple license types (if different) tested24 total regardless of how many lines are held
- Ethics hours required per period testedAt least 3 of the 24 hours must relate to ethics - inside the 24, not additional
- Limits on who may provide CE credits testedNo more than 6 of the 24 hours may relate to insurance agency management; no carryover between review periods; and no credit for a subsequent offering of the same course within the same review period. Prometric is DFR's CE vendor.
- Initial long-term care training requirement testedLONG-TERM CARE: DFR's producer page requires one 8-hour course specific to long-term care, not less than two hours of it Vermont-specific including Vermont Medicaid content, plus at least 4 hours of ongoing training every 24 months. DFR states the training can COUNT TOWARD the 24 hours if it satisfies the CE requirements. This is DFR administrative guidance - the hours could not be located in Rule H-2009-01, whose producer section says only that a producer must be authorised under Title 8 chapter 131. FLOOD: a one-time 3-hour NFIP course for producers licensed for property and casualty, expressly counted within the 24. ANNUITIES: a one-time 4-credit training under Reg. I-2023-01.
- What happens if CE is not completed (fine / expiry / cancellation) testedTwo different consequences depending on whether an extension was granted. No extension and CE unsatisfied: the licence SHALL NOT BE RENEWED. Extension granted (for good cause, no longer than six months) and CE still unsatisfied: the Commissioner SHALL SUSPEND the licence.
- Late renewal / reinstatement tiers testedNIPR publishes a 14-day grace period after expiration for insurance producers, and reinstatement up to 2 years post-expiration through the initial-application process with CE completed first; beyond 2 years an applicant must meet all new licensing requirements including examinations. No late or penalty fee amount is published in Title 8 or by DFR.
- Any CE exemption (e.g. long-service agents) testedNONRESIDENTS are exempt if they reside in a state or district that has a CE requirement, have satisfied it, and submit adequate documentation to the Commissioner. CE also does not apply to a producer until after the first renewal or first eligibility for renewal. NO reduced or waived CE for limited-lines producers could be located in either the statute or the regulation.
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedNOT plain file-and-use. In a competitive market rates, supplementary rate information and supporting information must be filed at least 30 DAYS BEFORE the effective date, and a filing is DEEMED to meet the requirements and become effective unless the Commissioner disapproves it within the waiting period. Noncompetitive markets require filing at least 30 working days before the effective date. Rates shall not be excessive, inadequate or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPERMITTED as one factor, with substantial limits: an insurer may not use a score computed on income, gender, address, ZIP code, ethnic group, religion, marital status or nationality; may not deny, cancel or nonrenew SOLELY on credit information without another underwriting factor; may not use a credit report older than 90 days at issuance; and must re-underwrite on request at least every 36 months and allow extraordinary-life-circumstances exceptions.
- Does the state have a FAIR Plan? testedNO standing FAIR Plan or residual property insurer - but the Commissioner HAS authority to establish one: on finding no voluntary market for a line of property and casualty insurance, the Commissioner may initiate proceedings to establish a joint underwriting association.
- Name of the FAIR Plan, if any testedNone currently operating. The enabling mechanism is a Vermont Joint Underwriting Association under chapter 137, not a FAIR Plan.
- Coastal windstorm pool, if any (e.g. TWIA) testedNone - Vermont is landlocked and has no coastal wind pool or beach plan
- Dominant catastrophe perils in the state testedFLOODING is Vermont's signature exposure - Tropical Storm Irene in August 2011, the flood of 9-12 July 2023 (which exceeded Irene's peak flows at 20 of 45 continuous-recording streamgages), and the remnants of Hurricane Beryl on 10-11 July 2024 - along with severe winter storms and ice, and wind. Flood is written through the NFIP or the private flood market rather than a homeowners policy.
- What license you must already hold to write surplus lines testedA surplus lines broker licence from the Commissioner, available to ANY licensed producer deemed trustworthy and competent - the statute does not require property and casualty authority specifically. The initial 24-month and biennial renewal fee is $400. No bond is required by Title 8.
- Is a diligent-effort search of the admitted market required first? testedYes - coverage may not be placed with a surplus lines insurer unless the full amount required is not reasonably procurable from admitted insurers actually transacting that kind and class in Vermont, and only the excess over what is procurable may be exported. The statute prescribes NO affidavit, NO declination count and NO filing with the Commissioner; the broker must keep a full and true record of each contract, open to examination for three years after termination.
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Vermont Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000 in life insurance death benefits
- Life cash surrender / withdrawal value limit testedNot more than $100,000 in net cash surrender and net cash withdrawal values for life insurance
- Annuity benefit limit tested$250,000 in the present value of annuity benefits, including net cash surrender and withdrawal values
- Health benefit limit tested$500,000 for HEALTH BENEFIT PLANS; $300,000 for disability income and $300,000 for long-term care; $100,000 for other health coverage
- Aggregate per-individual cap, if any tested$300,000 aggregate with respect to any one life, except where health benefit plans are involved, where the aggregate is $500,000 for any one individual
- Does the state follow the standard NAIC model limits? testedYes - standard NAIC model limits, with tiered health benefits keyed to the statutory term 'health benefit plans'
- Name of the P&C guaranty association testedThe Vermont Property and Casualty Insurance Guaranty Association - created in Title 8 chapter 101 subchapter 9, NOT chapter 111 (which is Fidelity, Surety and Annuity Companies)
- Per-claim cap tested$500,000 per covered claim - the Association is obligated only for the amount of each covered claim that is LESS THAN $500,000, and never more than the insolvent insurer's own policy obligation. Workers' compensation claims are EXCEPTED from the dollar cap. A claim for unearned premium must exceed $25.
- Is using the guaranty association as a sales inducement prohibited? testedYes, for BOTH associations. Life and health: prohibited, and the Association must deliver a Commissioner-approved summary document with the required disclaimer. Property and casualty: prohibited, with an administrative penalty of up to $500 per violation - but no disclaimer-notice requirement.
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes - employers (excluding State, county and municipal bodies) shall secure compensation for their employees; coverage scope is driven by the definition of 'worker' rather than by a headcount
- Employee count at which coverage is required testedThere is NO numeric employee threshold. Vermont works by EXCLUSION from the definition of worker: casual employment not for the employer's trade or business; agriculture or farm employment where the employer's aggregate payroll is less than $10,000 in a calendar year (unless the employer notifies the Commissioner); and sole proprietors or partner owners of an unincorporated business.
- Agency administering workers' compensation testedThe Vermont Department of Labor, Workers' Compensation and Safety Division
- Temporary total disability wage replacement rate testedTwo-thirds of the employee's average weekly wage, after a 3-day waiting period (the day of the accident counts as the first day unless full wages were paid). Subject to a statutory maximum of 150% and minimum of 50% of the state average weekly wage, adjusted each 1 July - and total weekly wage-replacement benefits may not exceed 90% of the employee's average weekly wage.
- Maximum TTD duration testedPaid while the worker remains temporarily and totally disabled; the maximum and minimum are set as percentages of the state average weekly wage (150% and 50%) and adjust annually on 1 July, so they are never a fixed dollar figure
- Deadlines to give notice and file a claim testedThree separate clocks: notice of injury to the employer AS SOON AS PRACTICABLE (no fixed period); a claim for compensation within SIX MONTHS of the injury, or of death; and an outer bar of THREE YEARS from the date of injury to commence proceedings (two years from reasonable discoverability for occupational disease).
- Ways an employer may comply (insure / self-insure / group) testedFour statutory methods: insure with an authorized workers' compensation carrier; obtain guarantee insurance; establish financial responsibility to the Commissioner's satisfaction (self-insure); or participate in an approved nonprofit self-insurance corporation. Vermont 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 Vermont Department of Financial Regulation (DFR), Insurance Division
- Title of the person who heads it testedCommissioner of Financial Regulation
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAppointed by the GOVERNOR BIENNIALLY, IN THE MONTH OF FEBRUARY, with the advice and consent of the Senate - not elected
- Where the state's insurance law is codified testedTitle 8 of the Vermont Statutes Annotated (Banking and Insurance). PRODUCER LICENSING is chapter 131 (§§ 4791-4813n); chapter 101 is Insurance Companies Generally - company regulation, and the home of the P&C guaranty association at subchapter 9.
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedSomewhat - insurance is one of four DFR divisions (banking, captive insurance, insurance, securities), each under a Deputy Commissioner, with a single Commissioner over all of them. Vermont is a leading US captive domicile, named International Domicile of the Year for a fourth consecutive year and holding 707 active captives at the end of 2025.
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days - the enumerated-grounds restriction does not apply to a policy that has been in effect less than 60 days when notice is mailed, unless it is a renewal policy. It lifts the GROUNDS limit, not every requirement.
- Notice days to cancel a homeowners policy inside the initial window testedProperty (fire, casualty, marine, multi-peril): at least 45 days' notice, or at least 15 days where cancellation is for nonpayment of premium OR substantial increase in hazard. The reason must accompany the notice.
- Notice days to cancel a personal auto policy inside the initial window testedPersonal auto: at least 45 days' notice, or at least 15 days for nonpayment of premium. Governed by a different chapter from property, and it expressly reaches Vermont Automobile Insurance Plan policies.
- Notice days for cancellation for nonpayment testedAt least 15 days for nonpayment - for property that same 15-day track also covers a substantial increase in hazard. Notice by certified mail, except nonpayment may go by certificate of mailing or similar tracked first-class mail.
- Notice days for cancellation for other permitted causes testedAt least 45 days' written notice, with the reason or reasons included in or accompanying the notice
- Notice days required for nonrenewal testedAt least 45 days' advance notice of intent not to renew. NOTE: neither nonrenewal section requires the reason to be stated - the reason requirement lives only in the cancellation sections, which expressly do not apply to nonrenewal. The property section also applies only to policies written for a term of MORE THAN ONE YEAR.
- Must the reason be stated proactively, on request, or not at all? testedFor CANCELLATION, yes - the reason must accompany or be included in the notice, and the insurer is not liable in damages arising solely from that compliance. For NONRENEWAL, no reason requirement appears in either section.
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedAfter the first 60 days the grounds are CLOSED and they differ by line. Auto: nonpayment; fraud or material misrepresentation, or violation of the policy's terms or conditions; or suspension or revocation of the DRIVER'S LICENCE of the named insured or a household or customary operator (180-day lookback on renewals). Property: nonpayment; fraud or material misrepresentation, or violation of terms or conditions; or substantial increase in hazard, which requires PRIOR COMMISSIONER APPROVAL.
Licensing 27 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes - Life is a statutory line of authority, and the standalone Life exam is series 14-25 (100 scored items plus 5 unscored, 2 hours, $73)
- Is there a standalone health license/exam? testedYes - Accident and health or sickness is a statutory line, and the standalone exam is Accident, Health and HMO, series 14-27 (100 items plus 5 unscored, 2 hours, $73)
- Is there a combined life+health license/exam? testedThere is NO combined 'Life and Health' LINE OF AUTHORITY in Vermont - the statute grants Life and Accident and health or sickness separately. Series 14-29 is a combined EXAMINATION (150 items plus 5 unscored, 2.5 hours, $87) that qualifies for both, scored as one result that must be passed as a whole.
- Is there a personal lines license/exam? testedYes - Personal lines is a statutory line in its own right: property and casualty coverage sold to individuals and families for primarily noncommercial purposes. Exam series 14-39 (100 items plus 5 unscored, 2 hours, $73).
- Is P&C one combined license, or split into Property and Casualty? testedThere is NO combined 'Property and Casualty' LINE OF AUTHORITY - Property and Casualty are separate statutory lines. Vermont offers standalone Property (14-41) and Casualty (14-42) exams at 100 items and 2 hours each, and a combined Property and Casualty EXAM (14-31) at 150 items and 2.5 hours, scored as one result.
- Does the life license cover annuities? testedYes - the Life line covers life insurance including endowment benefits and annuities. Variable life and variable annuity products are a SEPARATE statutory line requiring FINRA registration.
- Does the P&C license already include personal lines authority? testedHolding both the Property and Casualty lines reaches personal-lines risks; Personal lines is the narrower statutory line, limited to coverage sold to individuals and families for primarily noncommercial purposes
- Full list of exam-based agent license types testedStatutory lines: Life; Accident and health or sickness; Property; Casualty; Variable life and variable annuity products; Personal lines; and any other line permitted by law. Producer exams: 14-25 Life, 14-27 Accident/Health/HMO, 14-29 combined Life/Accident/Health/HMO, 14-31 combined Property and Casualty, 14-39 Personal Lines, 14-41 Property, 14-42 Casualty.
- Exam administrator (Prometric / PSI / Pearson VUE) testedPrometric - at a test centre or by remote proctoring through Prometric's ProProctor platform. DFR's own link to the Vermont handbook is broken and points at a 2019 file path; the live bulletin is at prometric.com/files/vermont/.
- Exam fee tested$73 for the single-line exams (Life 14-25, Accident/Health/HMO 14-27, Personal Lines 14-39, Property 14-41, Casualty 14-42) and $87 for the two combined exams (14-29, 14-31), per the registration form in the current bulletin. A superseded registration form still linked from Prometric's Vermont page shows $50/$65 - it is stale. Fees are not refundable or transferable.
- License application fee tested$30 application fee plus a $30 initial licensing fee - $60 total for a resident insurance producer, filed through NIPR. Note the bulletin's own 'Licensing Fees' paragraph states $41.50, which conflicts with the statute and with the bulletin's own paper-submission paragraph; $30 is correct.
- Fee per insurer appointment tested$80 per producer appointment, paid by the appointing insurer - raised from $60 effective 1 January 2025
- Passing score testedNOT PUBLISHED. No passing score appears in the current Prometric Vermont Licensing Information Bulletin, the prior 2020 bulletin, any of the seven producer content outlines, the Vermont insurance exam FAQ, 8 V.S.A. chapter 131, or Reg. I-2000-02. Do not state a percentage.
- Minimum age to be licensed tested18 years of age
- Is pre-licensing education required? testedNO - a resident applicant need only pass a written examination. 'Prelicensing' appears in chapter 131 only inside the EXEMPTION language of § 4813i, never as a mandate.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone - no pre-licensing hours are required for any Vermont producer line
- Fingerprints, state police report, or none testedNo fingerprint requirement is published for resident producer applicants - DFR's licensing pages and the Prometric bulletin do not mention one. But the Commissioner HAS express statutory authority to require fingerprints and to have them processed for state and federal criminal history checks, at the applicant's expense. Do not state flatly that Vermont never fingerprints.
- Who takes the prints / issues the report testedNone published. If the Commissioner exercises the § 4800(4)(E) authority the prints may be collected by the centralized producer licence registry or another approved third party and submitted to the FBI or Vermont State Police.
- How long the background report stays valid testedNot published - applicants answer background questions on the NAIC uniform application and supply supporting documents where an answer is affirmative
- Deadline to apply after passing the exam testedNo statutory deadline between passing and applying. Residents must WAIT 48 HOURS after passing before submitting an electronic application, and NIPR verifies the exam result before it will accept the application.
- How long a passed exam remains valid testedNIPR states Vermont exam scores are valid for 2 years; neither DFR nor the Prometric bulletin states a score life
- Waiting period before retaking a failed exam testedNo waiting period is published. The only operational constraint is that Prometric's registration system needs 24-48 hours to reflect a result before re-registering.
- Limit on number of attempts, if any testedNo cap on attempts is published in the bulletin, in 8 V.S.A. chapter 131, or in Reg. I-2000-02
- Notice required to reschedule/cancel without forfeiting the fee testedThe bulletin requires reschedule or cancellation at least 24 hours before the exam to avoid forfeiting the fee. Note the Vermont exam FAQ states a different rule for cancellation - three calendar days, retaining $40 - so the two Prometric documents conflict.
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) - Sircon is named by the bulletin for address changes. Nonresidents must apply electronically.
- Are temporary licenses available? testedYes - the Commissioner may issue a temporary producer licence for up to 180 days WITHOUT an examination where necessary to service an insurance business
- Temporary license duration and training requirement testedUp to 180 days, no examination, in defined cases: the surviving spouse or personal representative of a producer on death or disability; members or employees of a business entity after the death or disability of its designated responsible person; the designee of a producer entering active military service; or any other circumstance the Commissioner deems in the public interest. The Commissioner may limit the authority by order, and it ends when the business is disposed of.