What This License Is
A Vermont Accident & Health license lets you sell health, accident, disability, and related products to people and businesses in Vermont. It is issued by the Vermont Department of Financial Regulation.
Licensing runs through the same process as every Vermont producer line — the difference is the focused Accident & Health exam.
Exam Options & Format
The Accident & Health exam is Accident, Health & HMO (Series 14-27, Prometric): 105 total (100 scored + 5 pretest) questions, 2 hr, $50 (VERIFY) per attempt. Passing standard: 70%.
Vermont also offers the combined exam (Life, Accident, Health & HMO (Series 14-29): 155 total (150 scored) questions, 2 hr 30 min, $65 (VERIFY)), which licenses both lines in one sitting. If there is any chance you will sell life or annuity products later, the combined exam is usually the better value.
Life insurance, annuities, and taxation
Life makes up a large share of the exam: Life Insurance Basics (9%), Life Insurance Policies (9%), and Policy Provisions/Options/Riders (7%) together cover insurable interest, personal and business uses, term/whole/universal/variable products, required provisions, nonforfeiture and dividend options, beneficiaries, settlement options, and riders.
Annuities (8%) cover accumulation vs. annuity period, immediate vs. deferred, fixed/indexed/variable products, payout options, and suitability.
Federal tax for life and annuities (6%) plus Qualified Plans (2%) cover cash-value taxation, MECs and the seven-pay test, the annuity exclusion ratio, IRAs, 1035 exchanges, and qualified-plan basics.
Health, disability, HMOs, and senior coverage
Medical Plans (9%) is the single largest health section and is Vermont-flavored: the ACA appears as Vermont Health Connect (the state marketplace), alongside managed care, HMO/PPO/EPO/POS structures, HSAs/HDHPs, and HIPAA.
HMOs (7%), Group Health (5%), Disability Income (6%), Health Insurance Basics (6%), and Health Policy Provisions (6%) cover delivery models, required/optional provisions, renewability, and disability benefit structures.
Insurance for Seniors and Special Needs (6%) covers Medicare Parts A–D, Medicare Supplement (Reg H-2009-04), Medicaid, and long-term care (Reg H-2009-1).
Vermont insurance regulation on the L&H exam
Insurance Regulation (5%) and General Insurance (4%) cover licensing process, maintenance, disciplinary actions, the Commissioner's powers, producer appointment/termination, and contract law.
Vermont's Unfair Trade Practices Act (8 V.S.A. 4724) is tested in detail — misrepresentation, false advertising, defamation, boycott/coercion/intimidation, illegal inducement, unfair discrimination, rebating, fiduciary duties and anti-commingling (Reg 95-1), and unsuitability.
Federal overlay: the Fair Credit Reporting Act and the 18 U.S.C. 1033/1034 fraud-and-false-statements provisions.
Life settlements are regulated under 8 V.S.A. 3835–3849 and Reg 95-4.
How to get your Vermont Life & Health license
Confirm the basics: at least 18 years old, residing in (or maintaining a principal place of business in) Vermont, and deemed by the Commissioner to be competent, trustworthy, financially responsible, and of good personal and business reputation.
Register with Prometric and pass the Series 14-29 Life/Accident/Health/HMO exam — at a Prometric test center or online via ProProctor. There's no pre-licensing requirement, so you can schedule as soon as you're ready (an exam registration stays valid for 90 days).
Apply through NIPR (www.nipr.com), which you can do 48 hours after passing; Prometric transmits your result to DFR within about 2 business days. Routine applications are typically issued within 48 hours.
Pay the state fees: $30 application + $30 license. Paper filers send the NAIC Uniform Application plus the original score report to DFR; electronic filing through NIPR is faster.
Vermont does not fingerprint resident producers, and there's no separate background check step — the NAIC application's background questions cover that disclosure.
Keeping your L&H license active
All resident producers complete 24 hours of CE every 2 years, including 3 hours of ethics.
Vermont runs on a common expiration date: producer licenses end March 31 of odd-numbered years and CE is due the same day. DFR sends a reminder about 85 days out. Renew through NIPR ($30 renewal fee); fees are not prorated.
No more than 6 hours may be agency-management content, excess credits don't carry over, and you can't repeat a course for credit within the same 2-year term.
Quick Reference
Official Links
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