Insurance License Hub

The Connecticut Certified Insurance Consultant (Life, Accident & Health or Sickness) license

Certified Insurance Consultant (Life, Accident & Health or Sickness)

Gives advice, counsel or opinion on life and health insurance for a fee rather than for a commission. Connecticut asks for no course and it does ask for a paper of its own, and the Department warns twice on its own page that a producer applicant who sits this one has bought the wrong license.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 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. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a designation already held or a license already held.

  1. Route 1 Pass the Life, Accident & Health or Sickness consultant paper

    State exam required

    The Department states the zero in its own words, "No pre-licensing course is required before taking the Certified Insurance Consultant (CIC) exam", and the examination vendor's handbook agrees by omission: the consultant papers are not on its list of examinations that need a pre-licensing certificate or a waiver letter at the door. The paper is 12-CT-05, Life, Accident & Health or Sickness Certified Insurance Consultant, $76 and two and a half hours. The Department also prints a warning on the same page: an applicant who wants a producer license should not sit this one, because "The CIC exam does not qualify you for a Producer license", and the fee is not refundable.

    Read at the Department on 2026-08-20

  2. Route 2 Hold a designation the Commissioner accepts in place of the paper

    Exempt from the state exam

    • CLU Chartered Life Underwriter, from The American College of Financial Services

    Conn. Gen. Stat. 38a-786(a) lets the commissioner waive the examination for the designations named, and the waiver is a request rather than an automatic exemption: the Department asks for a letter from the professional society dated within the last ninety days, emailed to cid.licensing@ct.gov with the NIPR transaction number and the national producer number. The statute carries a limb the Department's page and the examination vendor's handbook both leave out, and it is the widest of the three: an applicant holding the Chartered Property and Casualty Underwriter and the Chartered Life Underwriter together is waived for every line of insurance rather than for the one the designation belongs to.

    Read at cga.ct.gov on 2026-08-20

  3. Route 3 Have held the same Connecticut license within the last two years

    Exempt from the state exam

    • A Connecticut certified insurance consultant license of the same type, held at any time in the two years before the application

    Conn. Gen. Stat. 38a-786(a), last sentence. Two years, where a producer under 38a-702e(f) gets one. The Department words the far side of the same clock differently and it is worth reading beside this: a consultant license cancelled for two years or more has to be reinstated by completing the course for the license type and passing the paper again, which is the Department writing a course into a license it says needs none.

    Read at cga.ct.gov on 2026-08-20

Courses

You do not have to buy any of this. The Connecticut Insurance Department asks for no pre-licensing course, so nothing below is required of you. It is exam prep, priced here so you can see what it costs.

  • A.D. Banker & Company

    Exam practice. No course is required, so this is what to study.

    $169.95 to $219.90

    See 6 options ▾

    • CT Life & Health Consultant/Counselor, SILVER

      Online Course read 2026-08-22

      $169.95

    • CT Life 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 Consultant/Counselor, GOLD

      Online Course · Flash Cards read 2026-08-22

      $219.90

    • CT Life 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

    Go to A.D. Banker & Company