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How to get an insurance license in Iowa. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $222.35 for both lines. 3 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
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.
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
| 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.
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
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.
Explore requirements for other professional licenses in Iowa.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#13 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$47,770
25th percentile
Median
$63,150
+5% vs. national avg ($60,370)Experienced
$94,310
75th percentile
Wage Distribution (Annual)
6,160 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+9% salary growth potential
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Insurance Agent
$63,150
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$63,150
Adjuster licensing + claims experience
$68,740
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
1–4 weeks
Estimated processing time
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