Insurance License Hub

The Utah Variable Contracts license

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.

Course

None

This license has no pre-licensing course route.

Ways in

1

There is no state exam for this license.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

  1. Route 1 Hold the Life line and a FINRA registration

    No state exam for this license

    Utah Life line

    • a Utah producer license carrying the Life insurance line of authority

    and FINRA registration

    • licensure by the Financial Industry Regulatory Authority as a registered broker-dealer

    • or

      licensure by the Financial Industry Regulatory Authority as a broker-dealer agent, with a current registration with a broker-dealer

    Utah Code 31A-23a-106(2)(a)(ii) and 31A-23a-106(4)(a) together. The line is available to a producer only if the producer has the life insurance line, and the securities registration is written as a requirement of the line rather than as advice. The Utah Life line is owed as well as the registration rather than instead of it. A consultant reaches the same line by a different door, 106(4)(b), which asks for registration with the Securities and Exchange Commission or licensure by the Utah Division of Securities as an investment adviser or investment adviser representative. Neither the FINRA examinations nor the securities registrations are Utah's and none of them is priced here.

    Read at le.utah.gov on 2026-08-16

The Utah Insurance Department requires no pre-licensing course for this license, so there is nothing here to price.