Insurance License Hub

The Vermont Accident and Health or Sickness license

Accident and Health or Sickness

Sells cover for sickness, bodily injury or accidental death in Vermont, and it may carry disability income benefits too. 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

Varies

Priced per paper. The prices are below.

Prometric's bulletin prints two prices for the same papers: $52 single and $67.60 combination on one page, $73 and $87 on the next. The lower pair is the one it has kept up to date.

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

    The examination is not in Vermont's producer licensing subchapter at all. It is 8 V.S.A. 4800(3)(D)(i), in the general licensing requirements: the Commissioner shall subject each applicant for a producer, surplus lines broker, consultant, limited lines producer, adjuster, public adjuster or appraiser license to a written examination, except as provided in 4813i. 4813f(a) is then the closed list of what the Commissioner must find before approving a producer application: at least 18 years old, no ground for denial under 4804, competent, trustworthy, financially responsible and of good personal and business reputation, the fees under 4800 paid, and the examinations passed. No course is in it. Two clocks worth knowing: an application has to reach the Commissioner within 24 months of the examination, and claiming Vermont residency is an election under 4800(3)(A), so the license is void if the holder also holds or applies for a license anywhere else or stops living here.

    Read at legislature.vermont.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 Accident and Health or Sickness line of authority in another state

    8 V.S.A. 4813i(a). Somebody previously licensed for the same lines of authority in another state completes neither prelicensing education nor an examination, while that license is current or if the application arrives within 90 days of its cancellation with good standing certified by the other state or shown in the NAIC producer database.

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

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

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying the Accident and Health or Sickness line of authority there, and applying to become a Vermont resident licensee within 90 days of establishing legal residence.

    8 V.S.A. 4813i(b). Somebody licensed as a producer in another state who moves here has 90 days from establishing legal residence to apply as a resident licensee under 4813f, written as a duty. No prelicensing education or examination is required for a line of authority previously held in the prior state except where the Commissioner determines otherwise by regulation.

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

Courses

You do not have to buy any of this. The Vermont Department of Financial Regulation 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

  • Kaplan Financial Education

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

    $349.00

    See 2 options ▾

    • Career Launcher Package (VT - Life & Health)

      $349.00

    • Career Launcher Package (VT - 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 ▾

    • VT Life, Accident, Health and HMO Exam Prep Complete Package

      $109.95

    • VT Accident, Health and HMO Exam Prep Complete Package

      $109.95

    • VT Life, Accident, Health and HMO Exam Prep Plus Complete Package

      $159.95

    • VT Accident, Health and HMO Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • 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

  • ExamFX

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

    $169.95 to $299.95

    See 6 options ▾

    • Vermont 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

    • Vermont Life and 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

    • Vermont 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

    • Vermont Life and 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

    • Vermont 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

    • Vermont Life and 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

    Go to ExamFX

  • XCEL Solutions

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

    $199.00 to $299.00

    See 2 options ▾

    • Vermont Life and Health Pre-licensing

      $199.00

    • Vermont Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions