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Insurance Agent
Training: 0 hours | Exam: Yes
Not required
P&C Education
Not required
L&H Education
3 years
Renewal Cycle
$222.35
Gov. Fees (Both)
Insurance Producer
Iowa licenses insurance producers by individual lines of authority. Producers can obtain separate licenses for Life, Accident & Health, Property, Casualty, and Personal Lines. Combined exams are available for Life & Health (exams 01 and 02) or Property & Casualty (exams 03 and 04) taken simultaneously. Iowa does NOT require pre-licensing education for any line of authority.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Iowa Property & Casualty Insurance Exam
Administered by Pearson VUE
198
Questions
70%
Passing Score
2 hours per exam (Property: 98 questions including 15 pretest; Casualty: 100 questions including 15 pretest)
Time Limit
$35 per individual exam or $69 for both Property & Casualty taken together
Exam Fee
Property exam: 98 total questions (83 scored, 15 pretest), 2 hours. Casualty exam: 100 total questions (85 scored, 15 pretest), 2 hours. Both exams can be taken simultaneously for $69. Each section (national and state) must be passed with 70% separately; scores are not averaged.
No pre-licensing education required
Not required.
Iowa Life & Accident & Health Insurance Exam
Administered by Pearson VUE
187
Questions
70%
Passing Score
2 hours per exam (Life: 92 questions including 15 pretest; Accident & Health: 95 questions including 15 pretest)
Time Limit
$35 per individual exam or $69 for both Life & Accident & Health taken together
Exam Fee
Life exam: 92 total questions (77 scored, 15 pretest), 2 hours. Accident & Health exam: 95 total questions (80 scored, 15 pretest), 2 hours. Both exams can be taken simultaneously for $69. Each section must be passed with 70% separately.
Compare top-rated insurance pre-licensing schools in Iowa.
Minimum Age
18 years old
Education
No formal education requirement specified
Residency
Must apply as resident producer if domiciled in Iowa
Background Check
Effective June 2, 2025, Iowa requires state and federal criminal history background checks and fingerprints for resident insurance applicants. Fingerprinting is completed through Fieldprint using Iowa Fieldprint code FPIADOI.
Fingerprinting
Not required
Citizenship
Must have a valid SSN or FEIN
Not sure if you need a insurance agent license? Check whether your state requires one.
Iowa Life & Accident & Health Insurance Exam
Questions
187 questions
Time Limit
2 hours per exam (Life: 92 questions including 15 pretest; Accident & Health: 95 questions including 15 pretest)
Passing Score
70%
Administered By
Pearson VUE
Cost of failing
Retake fee: $35 per individual exam or $69 for both Life & Accident & Health taken togetherInvest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Iowa Life & Accident & Health Insurance Exam.
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in Iowa
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee via NIPR | $50 |
P&C Exam Fee Property & Casualty combined exam fee ($35 each individually) | $69 |
L&H Exam Fee Life & Accident & Health combined exam fee ($35 each individually) | $69 |
Fingerprinting Fee Fieldprint fingerprinting fee for Iowa locations ($36.35 for out-of-state Fieldprint locations). Effective June 2, 2025. | $34.35 |
Total Gov. Fees (Single Line) Application ($50) + one exam ($35) + fingerprinting ($34.35) + NIPR transaction fee (~$5.60) for one line of authority. Exam results valid for 90 days. | $153.35 |
Total Gov. Fees (Both Lines) Application ($50) + P&C combined exam ($69) + L&H combined exam ($69) + fingerprinting ($34.35). Does not include NIPR transaction fees. | $222.35 |
Pre-Licensing Course Cost: $0 (not required)(per line)
Iowa does not require pre-licensing education. Optional exam prep courses typically cost $150-$400 per line.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Complete fingerprinting through Fieldprint using Iowa code FPIADOI (effective June 2, 2025)
Register for the Property and/or Casualty exam through Pearson VUE at www.pearsonvue.com or 877-540-5825
Pass the Property and/or Casualty exam with a score of 70% or higher on each section
Apply for your license through NIPR (nipr.com) within 90 days of passing the exam
Pay the $50 application fee plus NIPR transaction fee
Obtain appointment from at least one insurance carrier
Complete fingerprinting through Fieldprint using Iowa code FPIADOI (effective June 2, 2025)
Register for the Life and/or Accident & Health exam through Pearson VUE
Pass the Life and/or Accident & Health exam with a score of 70% or higher on each section
Apply for your license through NIPR (nipr.com) within 90 days of passing the exam
Pay the $50 application fee plus NIPR transaction fee
Obtain appointment from at least one insurance carrier
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products. Carriers file appointments through NIPR/PDB.
Appointment fee: Paid by carrier
Non-resident producers apply through NIPR. Iowa participates in the NIPR electronic licensing system for both resident and non-resident applications.
Additional requirements: Non-resident applicants must hold a valid resident license in their home state
Moving to another state? Use our Transfer Tool to see what you need →
Compare Iowa with other states →
See how requirements, costs, and timelines differ across all 50 states.
Renewal Cycle
3 years
Renewal Fee
$50
CE Required
36 hours per cycle
Ethics Hours
3 hours (included in CE total)
36 hours of CE every 3-year renewal period. At least 18 of the 36 hours must be completed in a classroom setting. 3 hours must be in ethics.
Regulatory Board
Unique to Iowa: Iowa is one of the few states that does not require any pre-licensing education. It also has a unique 3-year renewal cycle (most states use 2 years) and requires 18 of 36 CE hours to be completed in-person in a classroom.
Insurance Agent requirements in nearby states
Other professional licenses in Iowa
See how Iowa compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
Related Guides
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How does Iowa compare to other states for insurance agent? See the full comparison →
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Explore requirements for other professional licenses in Iowa.
Insurance Agent Schools in Iowa
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Official Sources
Insurance Agent requirements in Iowa verified against Iowa Insurance Division, April 2026.
Moving to Iowa? Use our free Transfer Tool to see what you need →
Already licensed elsewhere? See how to transfer your Insurance Agent license to Iowa →
Transfer your Insurance Agent license from Iowa to: Illinois → | Minnesota → | Missouri → | Nebraska → | South Dakota → | Wisconsin →
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