Loading...
Loading...
How to get an insurance license in Tennessee. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $200 for both lines. 2 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
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.
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
| 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.
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
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.
Explore requirements for other professional licenses in Tennessee.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#44 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
$38,390
25th percentile
Median
$49,130
-19% vs. national avg ($60,370)Experienced
$75,280
75th percentile
Wage Distribution (Annual)
8,650 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+53% salary growth potential
You are here
Insurance Agent
$49,130
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$49,130
Adjuster licensing + claims experience
$74,960
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.
Source: Tennessee Department of Commerce and Insurance (TDCI) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Tennessee Department of Commerce and Insurance (TDCI) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Tennessee Department of Commerce and Insurance (TDCI) — Licensing Requirements
Study guides for P&C, life & health, and other insurance licensing exams.
Browse Study Guides on Amazon →As an Amazon Associate, we earn from qualifying purchases.
Shop essential tools and supplies to get started in your career.
Tennessee does not require pre-licensing education, but you still need to pass the licensing exam. Exam prep courses can significantly improve your pass rate.
We may earn a commission if you enroll through links on our site. This does not affect our recommendations or the price you pay.