Pennsylvania Insurance License Requirements and Renewal Guide
Complete 2026 guide for new and renewing Pennsylvania insurance agents
Pennsylvania Insurance License Types
The Pennsylvania Insurance Department issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the state commonly maintain one or more of the following primary license categories:
| License Type | Lines of Authority and Coverage Scope |
|---|---|
| Property and Casualty Producer | Personal and commercial lines coverage including automobile, homeowners, commercial property, general liability, and surety bonds. |
| Life Producer | Individual and group life insurance products, annuities, and endowments. |
| Accident and Health Producer | Major medical plans, Medicare supplements, disability income, dental, and vision insurance. |
| Personal Lines Producer | Personal automobile and residential property policies without commercial writing authority. |
| Surplus Lines Broker | Placing specialty and non admitted coverage for unique or complex commercial risks not available in the admitted market. |
How to Get a Pennsylvania Insurance License
Step 1: Complete Prelicensing Education
Pennsylvania requires resident applicants to complete 24 hours of state approved prelicensing education for each major line of authority before taking the state exam. You must secure a certificate of completion from an authorized provider to proceed.
Step 2: Pass the State Licensing Exam
Pennsylvania insurance licensing examinations are administered through PSI. The examination evaluates general product knowledge alongside Pennsylvania specific insurance statutes and administrative rules. A passing score of 70 percent or higher is required. Examination fees are $43 for a single line or $53 for a combined lines exam.
Step 3: Complete Fingerprinting and Submit Application
Following a passing examination score, submit your official producer application online via NIPR or Sircon. The resident application fee is $55. Resident applicants must also complete digital fingerprinting through IdentoGO for state and FBI criminal background clearance.
The Pennsylvania Insurance Department typically processes complete electronic applications within a few business days once PSI examination scores, prelicensing certificates, and IdentoGO background clearances are verified. Complete your background check early to avoid licensing holds.
Pennsylvania License Renewal and CE Requirements
Individual producer licenses in Pennsylvania are renewed every two years, expiring on the last day of the producer birth month. Completing your required continuing education well ahead of the deadline ensures uninterrupted authority to bind coverage.
Standard Renewal Guidelines
- State Renewal Fee: $55 for resident producers and $110 for non resident producers.
- Submission Portal: Electronic renewal through NIPR or Sircon.
- Continuing Education Term: Resident producers must complete 24 hours of approved CE each cycle. Up to 24 excess general hours can be carried forward to the next compliance period.
- Ethics and Flood Rules: Act 142 of 2024 mandates 3 hours of ethics training for all licensees. Additionally, property and casualty licensees must complete 2 hours of specific flood insurance training within their CE hours.
Continuing Education Overview
Pennsylvania Agency Entity Licensing
Corporations, limited liability companies, and partnerships operating as insurance agencies in Pennsylvania must maintain an agency business entity license in addition to individual agent credentials.
- Initial and Renewal Fee: $55 for resident entities and $110 for non resident entities.
- Designated Producer: The entity must appoint at least one active, licensed individual as the Designated Responsible Licensed Producer (DRLP).
- Maintenance: Agency authority remains valid as long as the designated producer maintains active individual licensing for the appropriate lines of authority.