Insurance License Hub

The Iowa Life license

Life

Sells life insurance in Iowa, which the Code writes as coverage on human lives and allows to carry endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Iowa asks no pre-licensing course for it.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 of them skip the state exam.

Exam

$44

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

    Iowa Code 522B.4(1) asks a written examination of a resident individual applying for a producer license unless the applicant is exempt under 522B.8, and 522B.5(1) is the closed list of what the commissioner must find before approving the application: at least 18 years old, no act that is a ground for denial, the $50 license fee paid, the examinations passed for the lines applied for, and the requisite character and competence. It is introduced with "all of the following" and no course is in it, which is where Iowa's zero is read. Rule 191-10.24(3)(d) has the Division's testing service prepare an examination for every line in Iowa Code 522B.6(2) and in rule 191-10.7, variable contracts excepted, so this line has one. A pass is good for 90 days under rule 191-10.4(4): apply later than that and the result is void.

    Read at legis.iowa.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 Life line of authority in another state

    Iowa Code 522B.8(1). Somebody previously licensed for the same lines of authority in another state does not sit Iowa's examination. The exemption holds only while that other license is current, or else the request for licensure has to reach the Division within 90 days of its cancellation, with a certification from the other state that the applicant was in good standing when it was cancelled. The certification may be obtained through the producer database.

    Read at legis.iowa.gov on 2026-08-16

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

    Exempt from the state exam

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

    Iowa Code 522B.8(2). Iowa writes this one as a duty rather than an option: a producer licensed in another state who moves here "shall make application within ninety days of establishing legal residence" to become a resident licensee under 522B.5. No examination is required for a line of authority previously held in the prior state, unless the commissioner determines otherwise by regulation.

    Read at legis.iowa.gov on 2026-08-16

Courses

You do not have to buy any of this. The Iowa Insurance Division 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 ▾

    • Iowa Life - Self-Study Package

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

      $169.95

    • Iowa 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

    • Iowa Life - 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

    • Iowa 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

    • Iowa Life - 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

    • Iowa 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 (IA - Life & Health)

      $349.00

    • Career Launcher Package (IA - Life 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 ▾

    • IA Life, Accident and Health or Sickness Exam Prep Complete Package

      $109.95

    • IA Life Exam Prep Complete Package

      $109.95

    • IA Life, Accident and Health or Sickness Exam Prep Plus Complete Package

      $159.95

    • IA Life 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 ▾

    • Iowa Life and Health Pre-licensing

      $199.00

    • Iowa 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