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Insurance Agent
Training: 0 hours | Exam: Yes
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$200
Gov. Fees (Both)
Insurance Producer
Tennessee issues producer licenses with individual lines of authority. Pre-licensing education is NOT required by the state. Separate exams are available for Life, Accident & Health, Property, Casualty, and Personal Lines. Exams are administered by Pearson VUE.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Tennessee Property and Casualty Insurance Exams
Administered by Pearson VUE
154
Questions
70%
Passing Score
105 minutes per exam (210 minutes total for both)
Time Limit
$59
Exam Fee
Property exam: 77 questions (68 scored + 9 pretest), 1 hour 45 minutes. Casualty exam: 77 questions (68 scored + 9 pretest), 1 hour 45 minutes. Both can be taken in one sitting. Must score 70% on each. If combined P&C, you may get one exam free.
No pre-licensing education required
Not required.
Tennessee Life and Accident & Health Insurance Exams
Administered by Pearson VUE
154
Questions
70%
Passing Score
105 minutes per exam
Time Limit
$49
Exam Fee
Life exam: 77 questions (68 scored + 9 pretest), 1 hour 45 minutes. Accident & Health exam: 77 questions (68 scored + 9 pretest), 1 hour 45 minutes. Must score 70% on each.
Compare top-rated insurance pre-licensing schools in Tennessee.
Minimum Age
18 years old
Education
No formal education requirement; no pre-licensing education required
Residency
Must apply as resident producer if domiciled in Tennessee
Background Check
Fingerprint-based background check through IdentoGO. Must submit fingerprints at least 2 business days before applying. Background check covers both Tennessee Bureau of Investigation (TBI) and FBI records.
Fingerprinting
Required
Citizenship
Must have SSN or FEIN
Not sure if you need a insurance agent license? Check whether your state requires one.
Tennessee Life and Accident & Health Insurance Exams
Questions
154 questions
Time Limit
105 minutes per exam
Passing Score
70%
Administered By
Pearson VUE
Cost of failing
Retake fee: $49Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Tennessee Life and Accident & Health Insurance Exams.
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 Tennessee
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Application fee via NIPR plus ~$5.60 transaction fee | $50 |
P&C Exam Fee Pearson VUE exam fee for P&C (combined exam may include both for one fee) | $59 |
L&H Exam Fee Pearson VUE exam fee for Life exam | $49 |
Fingerprinting Fee IdentoGO fingerprint-based background check fee (covers TBI and FBI) | $42 |
Total Gov. Fees (Single Line) $50 application + $49 exam (Life) + $42 fingerprinting | $141 |
Total Gov. Fees (Both Lines) $50 application + $59 P&C exam + $49 L&H exam + $42 fingerprinting | $200 |
Pre-Licensing Course Cost: $0-$400(per line)
Pre-licensing education is NOT required in Tennessee. Education costs are optional exam prep only. NOT a government fee.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Property and Casualty exams with Pearson VUE ($59)
Submit fingerprints through IdentoGO ($42) at least 2 business days before applying
Apply for license through NIPR and pay $50 application fee
Receive license and obtain carrier appointments to begin selling
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Life and Accident & Health exams with Pearson VUE ($49)
Submit fingerprints through IdentoGO (if not already completed)
Apply for license through NIPR and pay $50 application fee
Receive license and obtain carrier appointments to begin selling
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Non-resident licensing available through NIPR.
Additional requirements: Must hold valid resident license in home state
Moving to another state? Use our Transfer Tool to see what you need →
Compare Tennessee with other states →
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Renewal Cycle
2 years
Renewal Fee
$60 (major LOAs) / $30 (limited/other LOAs)
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per biennial renewal cycle, including 3 hours of ethics. Required for Property, Casualty, Personal Lines, Accident & Health, Life, and Variable Products licensees.
Regulatory Board
Unique to Tennessee: Tennessee does not require pre-licensing education, making it relatively fast to get licensed. Fingerprints must be submitted at least 2 business days before the license application. The state has separate Property and Casualty exams (each 77 questions) rather than a combined P&C exam.
Insurance Agent requirements in nearby states
Other professional licenses in Tennessee
See how Tennessee compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
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Insurance Agent Schools in Tennessee
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Insurance Agent requirements in Tennessee verified against Tennessee Department of Commerce and Insurance, April 2026.
Moving to Tennessee? Use our free Transfer Tool to see what you need →
Already licensed elsewhere? See how to transfer your Insurance Agent license to Tennessee →
Transfer your Insurance Agent license from Tennessee to: Alabama → | Arkansas → | Georgia → | Kentucky → | Mississippi → | Missouri → | North Carolina → | Virginia →
Study guides for P&C, life & health, and other insurance licensing exams.
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