Insurance License Hub

Getting an insurance license in Connecticut

Connecticut licenses through the Connecticut Insurance Department, 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

Is a course required?

Connecticut requires pre-licensing education for Life, Accident & Health or Sickness, Property (Producers), Casualty, Personal Lines , at 20 hours.

Twenty hours for a single line of authority. The course may be classroom, self-study by correspondence, or online, all three of which the Department accepts without preference. The statute is the figure: an applicant must prove "successful completion of a course approved by the commissioner requiring not less than twenty hours for each line of insurance for which the applicant is applying to be licensed". It was forty until Public Act 21-137 substituted twenty. Subsection (g) exempts limited lines producers from the course and the examination alike. The statute gives the course a twin the Department's pages do not mention: § 38a-702e(e)(2) admits an applicant to the examination on "equivalent experience or training as determined by the commissioner" instead, with no period fixed and no form named. Two more ways past it are the Department's rather than the statute's and they are different lists: seven designations waive the course on the life line, five on accident and health or sickness and four on property, casualty and personal lines, while only CLU and CPCU waive the paper. Neither waiver is automatic; each is a letter from the professional society, dated within the last ninety days, emailed to the Department and asked for. And § 38a-702h skips the course and the paper together in two situations: applying within ninety days of another state's license being cancelled, and moving to Connecticut already holding the line.

Read at the Department on 2026-08-20 . Conn. Gen. Stat. § 38a-702e(e)(1)

Connecticut requires pre-licensing education for Life / Accident & Health or Sickness, Property & Casualty , at 40 hours.

Two lines together are the two single courses added, with no discount for taking them at once. Forty is arithmetic rather than a separate rule: the statute sets twenty hours for each line of insurance applied for, and these are two lines. The paper is one paper rather than two, at $105 against $65 for a single line. The statute gives the course a twin the Department's pages do not mention: § 38a-702e(e)(2) admits an applicant to the examination on "equivalent experience or training as determined by the commissioner" instead, with no period fixed and no form named. Two more ways past it are the Department's rather than the statute's and they are different lists: seven designations waive the course on the life line, five on accident and health or sickness and four on property, casualty and personal lines, while only CLU and CPCU waive the paper. Neither waiver is automatic; each is a letter from the professional society, dated within the last ninety days, emailed to the Department and asked for. And § 38a-702h skips the course and the paper together in two situations: applying within ninety days of another state's license being cancelled, and moving to Connecticut already holding the line.

Read at the Department on 2026-08-20 . Conn. Gen. Stat. § 38a-702e(e)(1)

Connecticut requires pre-licensing education for Property (Public Adjuster) , at 40 hours.

The public adjuster course is 40 hours against the producer's 20 for the same word, property, which is the sort of collision a single hours-per-state figure hides. The public adjuster figure is its own statute rather than a doubling of the producer one: "not less than forty hours covering property insurance policies and forms". § 38a-788(a)(2) lets the commissioner waive the examination for someone who held the same Connecticut license within the previous two years, which is twice the window a producer gets under § 38a-702e(f).

Read at the Department on 2026-08-16 . Conn. Gen. Stat. § 38a-788(b)

Connecticut requires no pre-licensing course for Casualty Adjuster, Certified Insurance Consultant (Life, Accident & Health or Sickness), Certified Insurance Consultant (Property & Casualty), Appraiser: Motor Vehicle Physical Damage (MVPD), Surplus Lines Broker.

The Department answers the question on each of these license pages in the same words, "Connecticut does not require pre-licensing education for this license type", and the examination vendor agrees by omission: its list of Connecticut examinations that need a pre-licensing certificate or a waiver letter at the door names nine papers and none of them is one of these. A sourced zero, not an absence. The Department also says neither it nor the vendor issues study material for them.

Read at the Department on 2026-08-20

Connecticut requires pre-licensing education for Surety Bail Bond Agent , at 25 hours.

The Department states it in its own words on its page for a new individual license: "Successfully complete the 25-hour surety bail bond pre-licensing course", and the completion certificate is good for one year from the date it is issued. The figure is the Department's rather than the law's. Conn. Gen. Stat. 38a-660 carries no hour count anywhere in it; 38a-660(g) asks only that the applicant appear in person and sit a written examination, and 38a-660(j) lets the commissioner adopt regulations approving schools that teach this. There is no such regulation in force, because every section of the Regulations of Connecticut State Agencies under 38a-660, the seven headed Bail Bond Producers Application and Renewal, is marked repealed. Connecticut approves three courses for it and no national seller has one: Bail Bond School of CT in Bridgeport, Blackledge Training in Manchester and Tactical Countermeasures Group in New Britain. The register and the Department also disagree about the length, two of the three courses carrying twenty-five credits and Blackledge's carrying seventy. The paper is marked at eighty per cent where every other Connecticut examination is marked at seventy.

Read at the Department on 2026-08-20

Connecticut requires no pre-licensing course for Credit, Producer: Travel (P.A. 187 - Limited Lines), Variable Life and Variable Annuity Products, Fraternal Agent.

Four zeros taken from three separate statutory sentences rather than from a department page. Conn. Gen. Stat. 38a-702e(g) covers credit and travel together: "no examination or prelicensing education shall be required of an applicant for a limited lines producer license". 38a-702d(a) covers the variable line, ending the sentence that describes the producer examination with "except that no additional course or examination shall be required for the line of variable life and variable annuity products". 38a-800(b)(3) covers the fraternal agent and is the only one of the three written as a prohibition: "No written or other examination shall be required of any individual seeking to be named as a licensee to represent a fraternal benefit society as its agent."The examination vendor publishes no paper for any of the four, which is the third witness.

Read at cga.ct.gov on 2026-08-20 . Conn. Gen. Stat. 38a-702d(a), 38a-702e(g) and 38a-800(b)(3)

Fees

Charge Paid to Amount
Producer license, initial The Department's figure for an individual. Conn. Gen. Stat. 38a-11(a)(12)(B) sets $80 for each producer license issued and $80 per year for each renewal, so the $160 renewal is the statutory figure doubled over a two-year term and the $140 initial is the Department's own. A separate non-refundable $50 application fee is charged on top and there is no pro-rating. Connecticut Insurance Department $140.00
Producer license, renewal Scoped to no license because it is what the second cycle costs rather than what getting licensed costs, and a cost page that totalled it beside the $140 initial fee would overstate the price of a first Connecticut producer license by $160. Every two years, on the last day of the licensee's birth month, and the first cycle may be shorter than two years. A late renewal costs $160 again for a total of $320, and the Department says there are no waivers or exemptions of the late fee. After a year the license cannot be renewed at all and has to be applied for again. Connecticut Insurance Department $160.00
Producer license, business entity Scoped to no license because it is what an entity pays instead of what an individual pays for the same lines rather than a charge on top of it. Renewal is $160 and the term ends on 31 January of each even-numbered year. A business entity must designate at least one responsible licensed person, and if it holds any of the standard lines that person has to hold one of them too: somebody with only credit, travel or crop authority cannot do it. Connecticut Insurance Department $130.00
Application fee Non-refundable, charged on top of the license fee, and the same $50 filing fee Conn. Gen. Stat. 38a-11(a)(10) sets for each initial application made under 38a-769. The license types with a different application fee carry it on their own rows: $100 for portable electronics and for travel, $150 for surety bail bonds, $26 for a life settlement broker. Connecticut Insurance Department $50.00
Casualty adjuster license Renewal is $80, every two years, on the licensee's birth month for an individual and on 30 June of each odd-numbered year for a business entity. An amendment or a reinstatement is $130 again. Conn. Gen. Stat. 38a-11(a)(14)(B) sets $80 for each license issued or renewed, and (C) adds $200 plus the administrator's travel expenses where an examination has to be given outside the state, payable by whoever asks for it. Connecticut Insurance Department $130.00
Motor vehicle physical damage appraiser license Renewal is $80, on the same clock as the casualty adjuster's, and an amendment or reinstatement is $130. Conn. Gen. Stat. 38a-11(a)(15) also puts $200 plus travel expenses on anybody asking for the examination to be given outside the state. Connecticut Insurance Department $130.00
Certified insurance consultant license The same $300 for either of the two consultant licenses, with a $250 renewal on 30 September of each odd-numbered year. Conn. Gen. Stat. 38a-11(a)(16) sets $250 for each license issued and $250 for each renewal, so the Department's initial figure is $50 higher than the statute's and that $50 is the application fee. Reinstatement after two years or more takes the course for the license type and the paper again. Connecticut Insurance Department $300.00
Public adjuster license Renewal is $250, on 30 April of each even-numbered year. Conn. Gen. Stat. 38a-11(a)(13)(B) sets $250 for each license issued or renewed and 38a-11(a)(13)(A) sets a $15 examination fee the testing service pays to the commissioner rather than the candidate. Connecticut Insurance Department $300.00
Fraternal agent license Renewal is $80, on 31 December of each odd-numbered year, and Conn. Gen. Stat. 38a-11(a)(18) is the $80. The society rather than the agent files and pays. Connecticut Insurance Department $130.00
Surplus lines broker license Renewal is $625 on 30 September of each even-numbered year, and $625 is what Conn. Gen. Stat. 38a-11(a)(17)(B) sets for each license issued or renewed. It is not the whole cost of holding the license: 38a-743 takes four per cent of the gross premiums charged, four times a year, with a return each time. Connecticut Insurance Department $675.00
Reinsurance intermediary license One fee for the broker role and the manager role together, renewed at $625 on 31 December of each even-numbered year, which is the figure at Conn. Gen. Stat. 38a-11(a)(22). Connecticut prices reinsurance intermediaries once because 38a-760b(d)(1) issues one license. Connecticut Insurance Department $675.00
Surety bail bond agent license Renewal is $100 on 31 January of each even-numbered year. Conn. Gen. Stat. 38a-11(a)(31) splits the $250 into a $150 filing fee for the initial application and $100 for the license itself. Failing to renew by the date cancels the license outright and the whole process, course included, has to be done again. Connecticut Insurance Department $250.00
Surety bail bond agent annual assessment Scoped to no license for the same reason the producer renewal is: it is the cost of holding the license rather than of getting it. It is still the figure worth knowing about a Connecticut bail bond license, and it is not on the Department's license type table. Due every 31 January, in every year, on top of the biennial renewal. Conn. Gen. Stat. 38a-660(k)(1)(A) charges it "to cover the cost of examinations" of the licensee's books and records, pays it into a surety bail bond agent examination account inside the Insurance Fund, and sweeps whatever is left at the end of each calendar year into the General Fund. Missing it expires the license automatically on 1 February, and the commissioner must reinstate immediately if the money arrives within thirty days. Connecticut Insurance Department $450.00
Travel limited lines producer license The dearest producer license Connecticut issues. Renewal is $650, every two years, and a late renewal inside the first year costs $650 again for a total of $1,300; after a year it is a fresh $750 application. A separate non-refundable $100 application fee is charged on top. Conn. Gen. Stat. 38a-11(a)(34) sets all three figures. Connecticut Insurance Department $750.00
Portable electronics license Business entities only, renewed at $450 on 31 January of each even-numbered year, with a separate non-refundable $100 application fee. Conn. Gen. Stat. 38a-11(a)(33) sets $100, $500 and $450, so the Department's $600 initial figure is the statute's $500 license fee plus that $100. Connecticut Insurance Department $600.00
Rental car permit The same $80 to issue and to renew, on 31 January of each even-numbered year, and Conn. Gen. Stat. 38a-11(a)(26) sets it. The permit is the rental company's; its counter staff pay nothing and hold nothing. Connecticut Insurance Department $80.00
Life settlement broker license Renewal is $40 and the license runs to 31 March each year whenever it was issued. Conn. Gen. Stat. 38a-11(a)(24) splits the $66 into a $26 filing fee and $40 for the license. Missing the renewal revokes it automatically five days after the commissioner posts a written notice of nonrenewal. Connecticut Insurance Department $66.00
Life settlement provider license The same $40 to issue and to renew, on 31 March each year, and the figure is at Conn. Gen. Stat. 38a-11(a)(23)(B). There is no separate application fee. Connecticut Insurance Department $40.00
Life settlement registration A one-off. The registration has no renewal of its own and lives as long as the producer license under it. Conn. Gen. Stat. 38a-465a(d) makes it due within thirty days of the first day of operating as a broker, so it is filed after the work starts rather than before. Connecticut Insurance Department $26.00
Medical discount plan organization license The same $625 to issue and to renew, and Conn. Gen. Stat. 38a-11(a)(27) sets it. The license expires one year after the date it is issued rather than on a fixed date, and the renewal fee arrives with a fresh list of authorized marketers. Connecticut Insurance Department $625.00
Pharmacy benefit manager certificate of registration The same $100 to register and to renew, on 31 December each year. Two figures are published and both are law: Conn. Gen. Stat. 38a-479bbb(c)(1) asks for "a nonrefundable fee of fifty dollars" with the application and 38a-11(a)(28) sets $100 for each registration issued or renewed. The Department charges the hundred. The bond is the real cost and it is not a fixed number: ten per cent of one month of Connecticut claims over a twelve-month average, floored at $25,000 and capped at $1,000,000. Connecticut Insurance Department $100.00
Preferred provider network license The same $2,750 to issue and to renew, and Conn. Gen. Stat. 38a-11(a)(25) sets it. The license issues or renews on 1 July and the application has to be filed by 1 May to make that date. Connecticut Insurance Department $2,750.00
Premium finance company license Renewal is $50 on 30 June each year. Conn. Gen. Stat. 38a-162(b) sets $50 at application and $50 at every annual renewal, so the Department's initial figure is twice the statute's, and 38a-11 carries no premium finance line at all. The statute also says the commissioner returns the fee if the license is not issued. Connecticut Insurance Department $100.00
Third party administrator license Renewal is $450 on 30 September each year, and Conn. Gen. Stat. 38a-11(a)(32) sets both. The bond behind it starts at a penal sum of $500,000 and the commissioner may waive it only on two years of audited financial statements showing a positive net worth. Connecticut Insurance Department $500.00
Third party administrator registration Zero because the Department says so in its own words: the initial, the reinstatement and the renewal are each "only the NIPR transaction fee". It is still due every year by 1 October under Conn. Gen. Stat. 38a-720k. Connecticut Insurance Department $0.00
Utilization review company license The same $6,000 to issue and to renew, every two years, and Conn. Gen. Stat. 38a-591j(b) sets it and says where it goes: dedicated to the regulation of utilization review, less whatever the commissioner needs to implement the captive insurance sections and to buy medical consultations from the University of Connecticut School of Medicine. Public Act 22-84 doubled it from $3,000 and made the renewal biennial on 1 January 2023. The examination vendor's March 2026 candidate handbook still prints $3,000 and an annual renewal, three years later, which is why this row is sourced to the Department rather than to the handbook. Connecticut Insurance Department $6,000.00
Examination fee, single producer line Two hours. Paid to the vendor at the time of the reservation, by card or by a voucher bought from the vendor's store, and non-refundable unless the reservation is changed or cancelled at least 48 hours ahead. A candidate sitting two lines at once takes the combined paper at $105 instead, and vouchers expire twelve months from issue. Pearson VUE $65.00
Examination fee, public adjuster Two hours, paper 12-CT-08. The candidate has to present the pre-licensing education certificate or a waiver letter at the door. Pearson VUE $65.00
Examination fee, certified insurance consultant Two and a half hours. Two papers, 12-CT-05 for the life and health consultant and 12-CT-06 for the property and casualty one, at the same price. Pearson VUE $76.00
Examination fee, casualty adjuster The same $70 for all four lines of authority, though the time differs: two hours for All Lines and for All Lines except Workers' Compensation, one hour for Auto Only and for Workers' Compensation Only. Pearson VUE $70.00
Examination fee, motor vehicle physical damage appraiser One hour, paper 12-CT-16. Five Connecticut papers run an hour and this one costs $120 against $70, $65, $60 and $55 for the other four. Pearson VUE $120.00
Examination fee, surplus lines broker One hour, paper 12-CT-07. Only the $55 surety bail bond paper costs less. Pearson VUE $60.00
Examination fee, surety bail bond agent One hour, paper 12-CT-13, and the only Connecticut paper marked at eighty per cent; every other one passes at seventy. Pearson VUE $55.00

Every amount above was read at its own source on 2026-08-20. Exam and fingerprint charges go to a vendor, not to the Department, and say so.

Approved courses

Connecticut publishes the register twice and the two are not the same document. The examination vendor prints a provider list, nineteen companies with the categories each is approved for, and the NAIC external lookup returns the courses themselves: 76 approved courses from 19 providers on 2026-08-20, each with its credits and its delivery method. The course list is the one to read, because the categories are where the surprises are. Only one course in the whole state is approved for the Public Adjuster, WebCE's, and it is the only reason that license has a course list. The three Bail Bonds courses are all Connecticut businesses and two of the three are classroom only. And Connecticut waives the course for certain professional designations, but the waiver is a request rather than an automatic exemption: a letter from the professional society dated within the last 90 days has to be emailed to the Department before the course is skipped. You can search it at external-lookup-web.prod.naic.org .