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How to get an insurance license in Vermont. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $190 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
91% of data points are verified against official sources. 2 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$190
Gov. Fees (Both)
Insurance Producer
Vermont licenses insurance producers by lines of authority. Available lines include Life, Health, Life & Health (combined), Property, Casualty, Property & Casualty (combined), and Personal Lines. Vermont offers both combined and individual exams. The license term runs from April 1 to March 31 of odd years (fixed renewal period, not birth month based).
Other Available Lines of Authority
No pre-licensing education required
Not required.
Vermont Property & Casualty Producer Exam
Administered by Pearson VUE
155
Questions
70%
Passing Score
150 minutes
Time Limit
$65
Exam Fee
Combined Property & Casualty exam: 155 questions (including 5 unscored), 2.5 hours, $65. Single-line exams (Property only or Casualty only): 105 questions (including 5 unscored), 2 hours, $50. Both in-person and remote online proctored exams available through Prometric. Exam scores valid for 2 years.
No pre-licensing education required
Not required.
Vermont Life & Health Producer Exam
Administered by Pearson VUE
155
Questions
70%
Passing Score
150 minutes
Time Limit
$65
Exam Fee
Combined Life & Health exam: 155 questions (including 5 unscored), 2.5 hours, $65. Single-line exams (Life only or Health only): 105 questions (including 5 unscored), 2 hours, $50. Exam scores valid for 2 years.
Minimum Age
18 years old
Education
No formal education requirement specified. Must be deemed competent, trustworthy, and financially responsible by the commissioner.
Residency
Must apply as resident producer if domiciled in Vermont. Non-resident licenses available through NIPR.
Background Check
Vermont is one of a few states that does not require fingerprinting or a formal background check for insurance producer licensing. However, applicants must be deemed competent, trustworthy, and financially responsible by the commissioner. Fingerprinting is available at Prometric test centers for those who need it for other purposes.
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
| Fee | Amount |
|---|---|
Application Fee Initial application fee through NIPR. Plus $5.60 NIPR transaction fee. | $50 |
P&C Exam Fee Combined Property & Casualty exam. Single-line (Property only or Casualty only) is $50. | $65 |
L&H Exam Fee Combined Life & Health exam. Single-line (Life only or Health only) is $50. | $65 |
Fingerprinting Fee Vermont does not require fingerprinting for insurance producer licensing | $0 |
Total Gov. Fees (Single Line) Application ($60) + one combo exam ($65) = $125. Does not include NIPR transaction fee ($5.60). No fingerprint fee required. | $125 |
Total Gov. Fees (Both Lines) Application ($60) + P&C combo exam ($65) + L&H combo exam ($65) = $190. Does not include NIPR transaction fee ($5.60). | $190 |
Pre-Licensing Course Cost: $0 (not required)(per line)
Pre-licensing education is not required. Voluntary study courses typically cost $150-$400 per line.
Register and schedule your Property & Casualty exam through Prometric (prometric.com/vermont/insurance). Pay the $65 exam fee.
Pass the Property & Casualty exam with a score of 70% or higher.
Submit your license application through NIPR (nipr.com) with the $60 application fee plus $5.60 transaction fee.
Receive your license from the Vermont Department of Financial Regulation.
Register and schedule your Life & Health exam through Prometric (prometric.com/vermont/insurance). Pay the $65 exam fee.
Pass the Life & Health exam with a score of 70% or higher.
Submit your license application through NIPR (nipr.com) with the $60 application fee plus $5.60 transaction fee.
Receive your license from the Vermont Department of Financial Regulation.
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. Effective January 1, 2025, appointment fees revised to $80 per grouping for carriers located outside Vermont.
Appointment fee: $80 per grouping (paid by carrier)
Non-resident licenses available through NIPR. Non-resident applicants must hold a valid resident license in their home state.
Additional requirements: Non-resident applicants must submit application through NIPR. Effective January 1, 2025, appointment fees revised: Life and A&H grouping $80, Casualty and Property grouping $80 for carriers outside Vermont.
Renewal Cycle
2 years
Renewal Fee
$30
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE every 2 years, including 3 hours of ethics training. CE must be completed before the March 31 renewal deadline of odd years.
Regulatory Board
Unique to Vermont: Vermont is one of the most affordable and streamlined states for insurance licensing. It has NO pre-licensing education requirement, NO fingerprinting requirement, NO background check, and among the lowest exam fees ($50-$65). Vermont uses Prometric as its exam provider (rather than the more common Pearson VUE or PSI) and has a fixed renewal period (April 1 to March 31 of odd years) rather than a birth month cycle.
Explore requirements for other professional licenses in Vermont.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#9 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
$59,490
25th percentile
Median
$70,390
+17% vs. national avg ($60,370)Experienced
$90,180
75th percentile
Wage Distribution (Annual)
670 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+11% salary growth potential
You are here
Insurance Agent
$70,390
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$70,390
Adjuster licensing + claims experience
$78,140
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: Vermont Department of Financial Regulation, Insurance Division — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Vermont Department of Financial Regulation, Insurance Division — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Vermont Department of Financial Regulation, Insurance Division — Licensing Requirements
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