The Connecticut Accident & Health or Sickness license

Accident & Health or Sickness

Sells accident, health and sickness cover in Connecticut.

Course

20 hrs

The shortest single course route.

Ways in

3 of them skip the state exam.

Exam

Varies

Priced per paper. The prices are below.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. They are listed in full because the course is only the first of them.

Route 1 Take the 20-hour course

State exam required
- 20 hours of pre-licensing education for the Accident & Health or Sickness line, approved by the Department
Conn. Gen. Stat. section 38a-702e(e)(1): a course approved by the commissioner of not less than twenty hours for each line applied for, proved to the commissioner before the applicant is admitted to the examination. The figure was forty until Public Act 21-137 cut it to twenty, which is why older writing about Connecticut says forty.

Read at cga.ct.gov on 2026-08-16
Route 2 Show equivalent experience or training instead of the course

State exam required
- Experience or training the commissioner determines is equivalent to the twenty-hour course, which the statute leaves undefined and sets no minimum for
Conn. Gen. Stat. section 38a-702e(e)(2) puts this beside the course as the other way to be admitted to the examination, in six words: "equivalent experience or training as determined by the commissioner". It fixes no period, names no kind of work and points at no form, so what counts is whatever the commissioner accepts. It is recorded because it is a way in that the Department's own pages do not mention, and it is shown with no figure because the statute carries none. Connecticut puts every one of these in the commissioner's hands rather than in a form: the statute says the applicant has to prove the ground to the commissioner's satisfaction, or that the commissioner may waive, so none of them is automatic.

Read at cga.ct.gov on 2026-08-16
Route 3 Apply within 90 days of another state's license being cancelled

Exempt from the state exam
- 90 days of the cancellation of a license for the Accident & Health or Sickness line in another state, with that state certifying you were in good standing at cancellation, or the NAIC producer database showing it
Conn. Gen. Stat. section 38a-702h(a), and it reaches both halves: "shall not be required to complete any prelicensing education or examination". The ninety days run from the cancellation of the previous license rather than from a move, and the good standing has to be certified by the prior state or visible in the NAIC's producer database.

Read at cga.ct.gov on 2026-08-16
Route 4 Move to Connecticut holding this line in your old home state

Exempt from the state exam
- 90 days of establishing legal residence in Connecticut, having held the Accident & Health or Sickness line as a licensed producer in the previous state
Conn. Gen. Stat. section 38a-702h(b). Neither prelicensing education nor an examination is required for a line the applicant already held, and the ninety days run from establishing residence rather than from the old license ending. The subsection reserves the commissioner's power to say otherwise by regulation.

Read at cga.ct.gov on 2026-08-16
Route 5 Skip the course on a designation, and still sit the paper

State exam required
- CEBS Certified Employee Benefit Specialist, from International Foundation of Employee Benefit Plans and the Wharton School
- or
  CLU Chartered Life Underwriter, from The American College of Financial Services
- or
  HIA Health Insurance Associate, from America's Health Insurance Plans
- or
  REBC Registered Employee Benefits Consultant, from The American College of Financial Services
- or
  RHU Registered Health Underwriter, from The American College of Financial Services
The Department waives the pre-licensing course for the Accident & Health or Sickness line on any one of these designations, and it publishes the list twice, on its own producer page and in the examination vendor's candidate handbook. It is wider than the examination waiver and it is not the same list: the course goes on 5 designations and the paper goes on one, CLU. Neither is automatic. The applicant emails cid.licensing@ct.gov a letter from the professional society dated within the last ninety days, quoting the Department's application number or the national registry transaction number, and asks for it, with "Producer Pre-Licensing Waiver" in the subject line. Somebody who has the waiver rather than a certificate brings the letter to the test center in place of one, because the vendor turns away a candidate for this paper who has neither.

Read at pearsonvue.com on 2026-08-20
Route 6 Take the course holding a CLU

Exempt from the state exam
Pre-licensing education
- 20 hours of pre-licensing education for the Accident & Health or Sickness line, approved by the Department
and designation
- CLU Chartered Life Underwriter, from The American College of Financial Services
Conn. Gen. Stat. section 38a-702h(c) lets the commissioner waive the examination for life and accident insurance for an applicant awarded the Chartered Life Underwriter. It is the examination alone: the subsection says nothing about the course, and section 38a-702e(a)(3) leaves the course to the commissioner, so the twenty hours are shown here as still owed. That is the harder outcome of the two readings and the one to plan for. Connecticut puts every one of these in the commissioner's hands rather than in a form: the statute says the applicant has to prove the ground to the commissioner's satisfaction, or that the commissioner may waive, so none of them is automatic.

Read at cga.ct.gov on 2026-08-16

Courses

This is the part you buy. All 5 of the courses sold for this license satisfy the requirement above. Each seller opens to what it holds and what each package costs.

A.D. Banker & Company

Meets the requirement: take the 20-hour course.

$79.95 to $296.85
See 13 options Hide ▾
Listed as "A.D. BANKER & COMPANY LLC" holding course 6000110345 in the Accident & Health or Sickness group, delivered as Correspondence, Self-Study
- CT Life & Health Self-Study, SILVER
  Online Course read 2026-08-22
  
  $79.95
- CT Life & Health Self-Study, GOLD
  Online Course · Flash Cards read 2026-08-22
  
  $124.90
- CT Life & Health, SILVER
  
  Online Course read 2026-08-22
  
  $169.95
- CT Health, SILVER
  
  Online Course read 2026-08-22
  
  $169.95
- CT Life & Health Consultant/Counselor, SILVER
  
  Online Course read 2026-08-22
  
  $169.95
- CT Health Consultant/Counselor, SILVER
  
  Online Course read 2026-08-22
  
  $169.95
- CT Life & Health, GOLD
  
  Online Course · Flash Cards read 2026-08-22
  
  $196.90
- CT Health, GOLD
  
  Online Course · Flash Cards read 2026-08-22
  
  $196.90
- CT Life & Health Consultant/Counselor, GOLD
  
  Online Course · Flash Cards read 2026-08-22
  
  $219.90
- CT Health Consultant/Counselor, GOLD
  
  Online Course · Flash Cards read 2026-08-22
  
  $219.90
- CT Life & Health Self-Study, PLATINUM
  Online Course · Flash Cards · Web Class Subscription read 2026-08-22
  
  $251.80
- CT Life & Health, PLATINUM
  
  Online Course · Flash Cards · Web Class Subscription read 2026-08-22
  
  $296.85
- CT Health, PLATINUM
  
  Online Course · Flash Cards · Web Class Subscription read 2026-08-22
  
  $296.85
Go to A.D. Banker & Company
ExamFX

Meets the requirement: take the 20-hour course.

$169.95 to $299.95
See 6 options Hide ▾
Listed as "ExamFX" holding course 105430 in the Accident & Health or Sickness group, delivered as On-line Training/Webinar, Self-Study; course 105428 in the Life, Accident & Health or Sickness group, delivered as On-line Training/Webinar, Self-Study
- Connecticut Health - Self-Study Package
  
  60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
  
  $169.95
- Connecticut Life and Health - Self-Study Package
  60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
  
  $169.95
- Connecticut Health - Video Study Package
  
  60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
  
  $219.95
- Connecticut Life and Health - Video Study Package
  60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
  
  $219.95
- Connecticut Health - Live Online Study Package
  
  Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
  
  $299.95
- Connecticut Life and Health - Live Online Study Package
  Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
  
  $299.95
Go to ExamFX
Kaplan Financial Education

Meets the requirement: take the 20-hour course.

$349.00
See 2 options Hide ▾
Listed as "Kaplan Financial Education" holding course 6000116172 in the Accident & Health or Sickness group, delivered as Classroom; course 6000142636 in the Life, Accident & Health or Sickness group, delivered as Classroom; course 6000110322 in the Accident & Health or Sickness group, delivered as Self-Study
- Career Launcher Package (CT - Life & Health)
  
  $349.00
- Career Launcher Package (CT - Health Only)
  
  $349.00
Go to Kaplan Financial Education
WebCE

Meets the requirement: take the 20-hour course.

$109.95 to $159.95
See 2 options Hide ▾
Listed as "WebCE Inc" holding course 6000109884 in the Accident & Health or Sickness group, delivered as Self-Study; course 6000109878 in the Life, Accident & Health or Sickness group, delivered as Self-Study
- CT Accident and Health Exam Prep Complete Package
  
  $109.95
- CT Accident and Health Exam Prep Plus Complete Package
  
  $159.95
Go to WebCE
XCEL Solutions

Meets the requirement: take the 20-hour course.

$199.00 to $299.00
See 4 options Hide ▾
Listed as "XCEL Solutions LLC" holding course 115326 in the Accident & Health or Sickness group, delivered as On-line Training/Webinar, Self-Study; course 115328 in the Life, Accident & Health or Sickness group, delivered as On-line Training/Webinar, Self-Study
- Connecticut Health Pre-licensing (English, Online Self-Paced)
  
  $199.00
- Connecticut Life and Health Pre-licensing
  
  $199.00
- Connecticut | Vida y Salud | Curso Educativo - Life and Health Pre-licensing (Spanish, Online Self-Paced)
  
  $199.00
- Connecticut Life and Health Pre-licensing Premier
  
  $299.00
Go to XCEL Solutions

The Connecticut Accident & Health or Sickness license

Every way to qualify

Route 1 Take the 20-hour course

Route 2 Show equivalent experience or training instead of the course

Route 3 Apply within 90 days of another state's license being cancelled

Route 4 Move to Connecticut holding this line in your old home state

Route 5 Skip the course on a designation, and still sit the paper

Route 6 Take the course holding a CLU

Courses