Getting an insurance license in Alaska
Alaska licenses through the Alaska Division of Insurance, which calls the licensee a producer. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
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Accidental and Health or Sickness
Alaska's own spelling of the health line, and it folds in health insurance as AS 21.12.050(a) defines it. Cover for sickness, bodily injury or accidental death, and it may carry disability income benefits. No pre-licensing course is required.
No course
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Bail Bond Limited Producer
Writes bail bonds in Alaska for a surety insurer. One of the five limited lines Alaska examines, and the license is the appointment: it exists only for a person appointed by and acting on behalf of a surety insurer.
No course
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Casualty
Sells cover against legal liability in Alaska, and this line is drawn wider than in most states: the statute says casualty insurance here includes surety as AS 21.12.080 defines it, rather than giving surety a line of its own. No pre-licensing course is required.
No course
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Crop Insurance Limited Producer
Sells crop insurance in Alaska, private or federally subsidized. One of the five limited lines Alaska examines, and the statute writes out the perils rather than leaving crop undefined.
No course
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Independent Adjuster
Investigates and settles Alaska claims as an independent contractor. Alaska asks six months of the right work before it will examine you, licenses no public adjuster at all, and lets producers adjust without this license.
No course
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Life
Sells life insurance on natural persons in Alaska, which the statute allows to carry endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Alaska asks no pre-licensing course for it.
No course
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Limited Lines Credit Insurance
Credit insurance sold alongside an extension of credit in Alaska. It is a line of authority under AS 21.27.115(7) rather than one of the limited licenses at AS 21.27.150, which matters: the examination exemption at 21.27.060(d)(1) reaches four of those limited licenses and does not reach this line.
No course
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Managing General Agent
Acts for an admitted insurer with the powers that insurer confers, and may adjust claims without an adjuster license. Alaska examines it like a producer and may then ask for a bond and errors and omissions cover.
No course
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Miscellaneous Limited Producer
A license written for whatever is left over. It authorizes less than a whole line of authority, the statute names no product it covers, and Alaska examines it all the same.
No course
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Motor Vehicle Rental Agency Limited Producer
Lets a car rental company sell cover across its own counter. The company holds the license, its authorized employees sell under it, and the authority dies with the rental agreement at ninety days.
No course
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Personal Lines
Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Alaska. It is one line rather than two and no pre-licensing course is required.
No course
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Pharmacy Benefits Manager
Administers pharmacy benefits for an insurer. No examination, a duty of care written into the statute, and at $20,000 to issue and $20,000 again every two years to renew. AS 21.27.905(a) sets both figures and the fee regulation has not caught up: 3 AAC 31.020(a)(5) still prices the registration at $300.
No course
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Portable Electronics Limited Producer
Licenses the vendor rather than the person at the counter. One license reaches every location the vendor sells from, the staff need no license of their own, and the insurer trains them.
No course
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Property
Sells cover for direct or consequential loss for damage to property of every kind in Alaska. No pre-licensing course is required.
No course
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Reinsurance Intermediary Broker
Places reinsurance for a ceding insurer in Alaska. Alaska issues two of these licenses where Vermont and Rhode Island each issue one, and examines both.
No course
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Reinsurance Intermediary Manager
Binds and manages reinsurance for a reinsurer in Alaska. Alaska issues two of these licenses where Vermont and Rhode Island each issue one, and examines both.
No course
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Surplus Lines Broker
Places Alaska risks with non-admitted insurers. It is stacked on a producer or managing general agent license carrying property and casualty, and it costs four times what that license underneath it costs.
No course
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Temporary
Keeps a producer’s or managing general agent’s book of business running after a death, a disability or a call-up. Ninety days, renewable once, and it is the one Alaska license granted to somebody who has not passed the examination.
No course
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Third-Party Administrator
Administers claims, premiums or benefits for somebody else’s insurance. Qualified on two years of accountant-certified solvency and a staffing plan, with no examination, and the statute prices it at $2,000 where the fee regulation still says $300.
No course
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Title Insurance Limited Producer
Sells title insurance in Alaska for one title insurer and nobody else. A resident license only, and one of the five limited lines Alaska examines.
No course
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Trainee Independent Adjuster
The way into the adjuster license for somebody with no claims experience. The employer applies for it, the examinations come afterwards on a four, eight and twelve month clock, and missing any of them means the director revokes it.
No course
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Travel Insurance Limited Producer
Sells travel insurance in Alaska. The license is held by one person or firm, the travel agents who actually offer the cover sit on that licensee’s register instead of being licensed, and no examination is required of anybody.
No course
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Variable Life and Variable Annuity Products
Sells cover provided under variable life insurance contracts and variable annuities in Alaska. The statute lists it among the lines of authority and conditions it on nothing else.
No course
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Viatical Settlement Broker
Negotiates viatical settlement contracts for the policy owner rather than for the buyer. Alaska licenses it at $100 and asks no examination, no course and no producer license underneath it.
No course
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Viatical Settlement Provider
Buys life insurance policies from their owners in Alaska. An organization license qualified on nothing the statute names, at $300, and every contract form and advertisement it uses has to be filed and approved first.
No course
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Viatical Settlement Representative
The authorized agent of a provider or broker, licensed in their own right. 3 AAC 31.025(a)(2) prices it at $100, the same as the broker above it.
No course
Is a course required?
Alaska requires no pre-licensing course for Every license issued under AS 21.27: producer lines, the nine limited producer licenses, the managing general agent, both reinsurance intermediaries, the surplus lines broker, the independent adjuster and its trainee, the third-party administrator and the pharmacy benefits manager.
Two documents were needed rather than one. AS 21.27.020(b) lists six qualifications for an individual license, among them passing the examination, and no course. It then lets the director adopt regulations adding education or experience requirements, which is exactly the opening that stops a list being read as complete. The regulations adopted under it are 3 AAC 23, and that chapter contains no pre-licensing education provision at all: its education sections are continuing education, from the credit rules to the provider approvals. A sourced zero, read off the statute and confirmed against the regulations it defers to. Re-read on 2026-08-18 against the whole of AS 21.27 rather than against the producer lines alone, and it holds for every license in the chapter, because AS 21.27.020 is the general qualification behind all of them and the sections that add to it add bonds, errors and omissions cover, experience and accountants’ certificates, never a course.
Read at the Department on 2026-08-18 . AS 21.27.020(b) and 3 AAC 23
Alaska requires no pre-licensing course for Viatical settlement provider, broker and representative.
AS 21.96.110(b) is the whole licensing requirement and it names an application, the information the director requires and the fee. No course, no examination and no experience bar for any of the three. AS 21.96.110(f)(5) lets the director adopt regulations covering license qualification and none has been adopted: 3 AAC 23 is fingerprinting, examination scores and continuing education and says nothing about viatical settlements. A delegation that was never used, which is the shape Massachusetts wrote at 162L(a)(3) and Delaware at 18 Del. C. 1751(b).
Read at the Department on 2026-08-18 . AS 21.96.110
Fees
| Charge | Paid to | Amount |
|---|---|---|
| Producer, managing general agent, reinsurance intermediary, independent adjuster or trainee license Initial application or biennial renewal, and $75 whatever the shape of it: resident or non-resident, individual or firm, all lines or property and casualty only or life only. 3 AAC 31.020(a)(2) prices each of the seven limited producer licenses at the same $75, (a)(3) the resident limited title producer and (a)(4) a temporary license. It is scoped to the surplus lines broker as well, because AS 21.27.790(1) makes that license sit on a producer or managing general agent license and the $300 below is charged on top of this $75 rather than instead of it. Alaska charges the same $75 across most of its producer lines, and the schedule is flat everywhere except the two figures that are not producer licenses at all: $2,000 for a third-party administrator and $20,000 for a pharmacy benefits manager. | Alaska Division of Insurance | $75.00 |
| Surplus lines broker license Initial application or biennial renewal, resident or non-resident, individual or firm. Four times the producer license it has to sit on top of. | Alaska Division of Insurance | $300.00 |
| Viatical settlement provider license Initial application or biennial renewal, resident or non-resident, individual or firm. | Alaska Division of Insurance | $300.00 |
| Viatical settlement broker or representative license Initial application or biennial renewal, and the same figure for both tiers. | Alaska Division of Insurance | $100.00 |
| Third-party administrator license Initial and biennial renewal, set in AS 21.27.640(e) itself. The fee regulation disagrees the same way: 3 AAC 31.020(a)(5) still prices a third-party administrator registration at $300. The statute is both the higher authority and the later enactment, so the statutory figure is the one printed here. | Alaska Division of Insurance | $2,000.00 |
| Pharmacy benefits manager license Initial and biennial renewal, set in AS 21.27.905(a) itself. The fee regulation disagrees: 3 AAC 31.020(a)(5) still prices a pharmacy benefits manager registration at $300. The statute is both the higher authority and the later enactment, so the statutory figure is the one printed here. | Alaska Division of Insurance | $20,000.00 |
| Paper filing surcharge 3 AAC 31.060(b): charged where the applicant files on paper and applying electronically was available to them. Nobody has to pay it, so it is scoped to nothing and no cost page totals it; a reader who files on paper adds $50 to whichever row applies. | Alaska Division of Insurance | $50.00 |
Every amount above was read at its own source on 2026-08-21. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
There is no register. Alaska’s insurance regulations approve continuing education providers and courses in detail and say nothing about pre-licensing, because there is no pre-licensing course to approve. 3 AAC 23.100 through 3 AAC 23.208 are the continuing education rules, and they run to more than twenty sections covering provider qualification, instructor qualification, course approval and renewal, advertising and revocation. Every Alaska requirement and figure on this site is read at the legislature, which publishes both the statutes and the administrative code in full, and the department link goes there.