Insurance License Hub

The Idaho Disability license

Disability

Idaho's name for the health line, which Montana and Washington use as well. The Code defines it as disability insurance including accident and health or sickness coverage for sickness, bodily injury or accidental death, with disability income benefits. Anybody searching for an Idaho accident and health license is looking for this one. No pre-licensing course is required.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 of them skip the state exam.

Exam

$65

Required on some routes and not others.

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 license held in another state or moving here already licensed.

  1. Route 1 Pass the examination

    State exam required

    Idaho Code 41-1006(1) asks a resident individual applying for a producer license to pass a written examination unless exempt, and 41-1007(1) is the closed list of what the director must find before approving the application: at least 18 years old, fingerprints submitted where the director asks for them, no act that is a ground for denial anywhere in title 41, the fees under 41-401 paid, and the examinations passed for the lines applied for. No course is in it, which is where Idaho's zero is read. The pass then has a shelf life: 41-1006(4) says an application not received within 180 days of passing shall be denied, and it says denied rather than delayed.

    Read at legislature.idaho.gov on 2026-08-16

  2. Route 2 Hold the same line in another state

    Exempt from the state exam

    • an insurance producer license carrying the Disability line of authority in another state

    Idaho Code 41-1012(1). Somebody previously licensed for the same lines of authority in another state completes no prelicensing examination. The exemption holds while that other license is current, or if the application arrives within 90 days of its cancellation and the other state certifies the applicant was in good standing at that point, or the NAIC producer database shows it for the lines being asked for.

    Read at legislature.idaho.gov on 2026-08-16

  3. Route 3 Move to Idaho and apply within 90 days

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying the Disability line of authority there, and applying to become an Idaho resident licensee within 90 days of establishing legal residence.

    Idaho Code 41-1012(2). Somebody licensed as a producer in another state who moves to Idaho has 90 days from establishing legal residence to apply as a resident licensee, and Idaho writes it as a duty rather than an option. No examination is required for a line of authority previously held in the prior state unless the director provides otherwise by rule.

    Read at legislature.idaho.gov on 2026-08-16

Courses

You do not have to buy any of this. The Idaho Department of Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.

  • A.D. Banker & Company

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

    $79.95 to $296.85

    See 9 options ▾
    Go to A.D. Banker & Company

  • ExamFX

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

    $169.95 to $299.95

    See 6 options ▾

    • Idaho 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

    • Idaho Life and Health Bundle - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Idaho 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

    • Idaho Life and Health Bundle - 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

    • Idaho 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

    • Idaho Life and Health Bundle - 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

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

    $349.00

    See 2 options ▾

    • Career Launcher Package (ID - Life & Health)

      $349.00

    • Career Launcher Package (ID - Health Only)

      $349.00

    Go to Kaplan Financial Education

  • WebCE

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

    $109.95 to $159.95

    See 4 options ▾

    • ID Life and Disability/Health Producer Exam Prep Complete Package

      $109.95

    • ID Disability/Health Producer Exam Prep Complete Package

      $109.95

    • ID Life and Disability/Health Producer Exam Prep Plus Complete Package

      $159.95

    • ID Disability/Health Producer Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

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

    $199.00 to $299.00

    See 2 options ▾

    • Idaho Life and Health Pre-licensing

      $199.00

    • Idaho Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions

  • Mometrix

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

    $59.99/month

    See 1 option ▾

    • Life and Health Insurance Exam Prep Course

      $59.99/month

    Go to Mometrix