Getting an insurance license in Utah

Accident and Health

Sells accident and health insurance in Utah, and the statute takes care to include contracts issued to a policyholder by a nonprofit health service insurance corporation or a health maintenance organization. No pre-licensing course is required.

Bail Bond Producer

Bail bonds in Utah. The Bail Bond Act says a bail bond producer is licensed under the marketing chapter as a limited lines producer and must be a Utah resident, and the Department lists bail bond among the types that sit no examination. A bail bond agency is a separate license under that act and has to be domiciled here. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Car Rental Related Insurance

The cover offered alongside a rental car in Utah. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Casualty

Sells casualty insurance in Utah, and the statute folds surety and other bonds into this line rather than giving them one of their own. No pre-licensing course is required.

Consultant

Advises on insurance for a fee in Utah rather than selling it, across the same six lines a producer may hold. It is not a license anybody can start with: three of the four years before applying have to have been spent in work that prepares somebody to do it, and the Department requires the examination on top.

Crop Insurance

Crop insurance in Utah. Arizona examines its crop applicants and Utah does not, which is the same line landing on opposite sides of two states' limited lines rules. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Guaranteed Asset Protection Waiver

The waiver that covers the gap between what a vehicle is worth and what is still owed on it. Utah makes it a line of authority of its own, and it is one of the two lines a full producer license does not automatically reach. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Legal Expense Insurance

Legal expense insurance in Utah, which pays for a policyholder's legal costs. North Dakota and Wisconsin name a Legal Expense line of authority too. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Life

Sells life insurance in Utah, including nonvariable contracts. Utah asks no pre-licensing course for it, and the variable contracts line is a separate line that sits on top of this one.

Limited Line Credit Insurance

Credit insurance sold alongside an extension of credit in Utah. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Motor Club Insurance

Motor club insurance in Utah, the roadside and membership cover sold by automobile clubs. Six other states here name the line: Alabama, Arkansas, California, Maryland, Nebraska and New Mexico license a motor club representative or agent, and Oklahoma a motor service club. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Personal Lines

Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Utah. It is one line rather than two and no pre-licensing course is required.

Pet Insurance

Pet insurance in Utah. Idaho and Rhode Island name a Pet line of authority too. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Portable Electronics Insurance

Cover for phones and other portable electronics, sold at the point of sale in Utah. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Property

Sells property insurance in Utah. No pre-licensing course is required to get the line, but there is a training requirement waiting on the other side of it: a resident producer holding this line may not sell flood cover under the National Flood Insurance Program until completing flood insurance training, which counts toward continuing education and is not itself a continuing education requirement.

Self-Service Storage Insurance

Cover for the contents of a rented storage unit in Utah. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Surplus Lines Producer

Places property or casualty business with insurers Utah has not admitted. It is the most expensive license in this state to reach and none of the cost is a course: it wants its own examination, the underlying producer line, and three years of the last four spent working as a property or casualty producer.

Title

Title insurance in Utah, and the only line here the statute splits into categories: title examination, escrow, and title marketing representative only. The first two carry the authority to act as a title marketing representative as well. No pre-licensing course is required, and the Title and Escrow Commission may recognize further categories by rule with the commissioner's concurrence.

Travel Insurance

Travel insurance in Utah, governed by its own part of the marketing chapter, the Travel Insurance Act. Utah asks neither a pre-licensing course nor an examination of a limited lines producer, and excuses one from the errors and omissions cover every other resident individual producer has to carry.

Variable Contracts

Variable life and annuity in Utah, which the statute calls variable contracts. It cannot be held on its own: the producer must already have the Life line of authority and be registered with FINRA as a broker-dealer or as a broker-dealer agent currently registered with one. No pre-licensing course is required.