Connecticut Health Insurance — License Examination Requirements
US-CT · License preparation
This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.
Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Fraternal Agent (Individual ONLY)
Individual licence to sell, solicit or negotiate accident and health coverage on behalf of an authorized fraternal benefit society.
Licensing authority: Connecticut Insurance Department · Application information
Fraternal licence amendment to add health authority
No examination is required for this applicant pathway.
- Amendment
- Society submits amendment through NIPR, submits Supplemental Form, then appointment after approval.
- Application
- Society submits the NIPR application and Fraternal Agent Supplemental Form, then submits appointment after licence issuance.
- Exam
- No written or other examination under CGS §38a-800(b)(3); Department confirms no prelicensing course or exam for residents and nonresidents.
- Scope
- Individual agent represents an authorized fraternal benefit society for accident and health insurance.
- Trustworthiness
- Society must certify trustworthiness and competency and its intention to appoint the applicant.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- Connecticut Insurance Department fraternal instructions
How to Amend Lines of Authority
Fraternal agent reinstatement after expiration
No examination is required for this applicant pathway.
- Application
- Society submits the NIPR application and Fraternal Agent Supplemental Form, then submits appointment after licence issuance.
- Exam
- No written or other examination under CGS §38a-800(b)(3); Department confirms no prelicensing course or exam for residents and nonresidents.
- Lapse
- After December 31 of an odd-numbered year; society submits reinstatement and supplemental form, then appointment once issued.
- Scope
- Individual agent represents an authorized fraternal benefit society for accident and health insurance.
- Trustworthiness
- Society must certify trustworthiness and competency and its intention to appoint the applicant.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- Connecticut Insurance Department fraternal instructions
How to Reinstate a License
Fraternal relicensure after statutory revocation waiting period
No examination is required for this applicant pathway.
- Application
- Society submits the NIPR application and Fraternal Agent Supplemental Form, then submits appointment after licence issuance.
- Exam
- No written or other examination under CGS §38a-800(b)(3); Department confirms no prelicensing course or exam for residents and nonresidents.
- Scope
- Individual agent represents an authorized fraternal benefit society for accident and health insurance.
- Trustworthiness
- Society must certify trustworthiness and competency and its intention to appoint the applicant.
- Waiting Period
- Not entitled to obtain any fraternal licence for one year after revocation, or one year after final judicial determination affirming revocation.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- cgs-chapter-702.html
CGS §38a-800(d)
- Connecticut Insurance Department fraternal instructions
How to Apply — residents and nonresidents
Nonresident fraternal agent initial licensure
No examination is required for this applicant pathway.
- Application
- Society submits the NIPR application and Fraternal Agent Supplemental Form, then submits appointment after licence issuance.
- Exam
- No written or other examination under CGS §38a-800(b)(3); Department confirms no prelicensing course or exam for residents and nonresidents.
- Residency
- Nonresident applicant.
- Scope
- Individual agent represents an authorized fraternal benefit society for accident and health insurance.
- Trustworthiness
- Society must certify trustworthiness and competency and its intention to appoint the applicant.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- Connecticut Insurance Department fraternal instructions
How to Apply — residents and nonresidents
Discretionary reinstatement after refusal to renew
No examination is required for this applicant pathway.
- Hearing
- Request hearing in writing within 30 days of notice; Commissioner may reinstate at discretion.
- Society
- Society sponsorship and competency requirements continue.
- Timely Renewal
- Renewal application filed on or before expiration; may continue until renewal or five days after refusal notice unless revoked or suspended.
Fraternal agent renewal
No examination is required for this applicant pathway.
- Application
- Fraternal society submits renewal application through NIPR and the Supplemental Form.
- Competency
- Commissioner may refuse renewal for lack of trustworthiness, competence or compliance under §38a-800(b)(4).
- Continuing Education
- Connecticut requires no CE for fraternal agents.
- Term
- Licence expires December 31 of each odd-numbered year; renewal fee $80.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- Connecticut Insurance Department fraternal instructions
How to Renew
Resident fraternal agent initial licensure
No examination is required for this applicant pathway.
- Application
- Society submits the NIPR application and Fraternal Agent Supplemental Form, then submits appointment after licence issuance.
- Exam
- No written or other examination under CGS §38a-800(b)(3); Department confirms no prelicensing course or exam for residents and nonresidents.
- Residency
- Resident applicant.
- Scope
- Individual agent represents an authorized fraternal benefit society for accident and health insurance.
- Trustworthiness
- Society must certify trustworthiness and competency and its intention to appoint the applicant.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-702.html
CGS §38a-800(b)(1)-(7)
- Connecticut Insurance Department fraternal instructions
How to Apply — residents and nonresidents
Nonresident Limited Lines Producer License
Nonresident producer licence for a home-state limited line restricting accident and health or sickness authority under CGS §38a-702g(e); scope equals the restricted home-state authority.
Licensing authority: Connecticut Insurance Department · Application information
Nonresident business limited health line reciprocity
No examination is required for this applicant pathway.
- Applicant Type
- Business producer applicant.
- Application
- Meet §38a-702g(a) reciprocal issuance conditions and submit application and fees.
- Home License
- Home-state licence restricts accident and health authority below the full major line; applicant is in good standing.
- Responsible Producer
- Business entity applicants must designate the licensed responsible producer under §38a-702e(b).
- Scope
- Connecticut grants the same restricted scope as the home-state licence under §38a-702g(e).
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702g(e)
- cgs-chapter-701a.html
CGS §38a-702g(a)
- cgs-chapter-701a.html
CGS §38a-702n(a)
- cgs-chapter-701a.html
CGS §38a-702e(b)
Nonresident individual limited health line reciprocity
No examination is required for this applicant pathway.
- Applicant Type
- Individual producer applicant.
- Application
- Meet §38a-702g(a) reciprocal issuance conditions and submit application and fees.
- Home License
- Home-state licence restricts accident and health authority below the full major line; applicant is in good standing.
- Responsible Producer
- Business entity applicants must designate the licensed responsible producer under §38a-702e(b).
- Scope
- Connecticut grants the same restricted scope as the home-state licence under §38a-702g(e).
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702g(e)
- cgs-chapter-701a.html
CGS §38a-702g(a)
- cgs-chapter-701a.html
CGS §38a-702n(a)
Nonresident limited health line renewal
No examination is required for this applicant pathway.
- Application
- Pay renewal fees and satisfy reciprocal home-state continuing education requirements; no Connecticut prelicensing examination.
- Home License
- Maintain the equivalent active home-state restricted authority.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702g(e)
- cgs-chapter-701a.html
CGS §38a-702f(b)
- cgs-chapter-701a.html
CGS §38a-702n(a)
Temporary Insurance Producer License — Accident & Health or Sickness
Temporary licence to service a producer insurance business, subject to the Commissioner’s restrictions and a maximum 180-day period.
Licensing authority: Connecticut Insurance Department · Application information
Business entity member or employee after designated producer death or disability
No examination is required for this applicant pathway.
- Approval
- Commissioner must consider the temporary licence necessary to service an insurance business.
- Duration
- No more than 180 days.
- Eligibility
- Member or employee of a licensed producer business entity following death or disability of the designated individual.
- Limitations
- Commissioner may limit authority, require a licensed producer or insurer sponsor responsible for all acts, or revoke if public interests are endangered. Licence cannot continue after disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702j(a)
- cgs-chapter-701a.html
CGS §38a-702j(b)
Designee of a producer entering active military service
No examination is required for this applicant pathway.
- Approval
- Commissioner must consider the temporary licence necessary to service an insurance business.
- Duration
- No more than 180 days.
- Eligibility
- Designee of a licensed producer entering active service in the United States armed forces.
- Limitations
- Commissioner may limit authority, require a licensed producer or insurer sponsor responsible for all acts, or revoke if public interests are endangered. Licence cannot continue after disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702j(a)
- cgs-chapter-701a.html
CGS §38a-702j(b)
Other Commissioner approved public interest circumstance
No examination is required for this applicant pathway.
- Approval
- Commissioner must consider the temporary licence necessary to service an insurance business.
- Duration
- No more than 180 days.
- Eligibility
- Any other circumstance in which the Commissioner finds issuance best serves the public interest.
- Limitations
- Commissioner may limit authority, require a licensed producer or insurer sponsor responsible for all acts, or revoke if public interests are endangered. Licence cannot continue after disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702j(a)
- cgs-chapter-701a.html
CGS §38a-702j(b)
Surviving spouse or personal representative
No examination is required for this applicant pathway.
- Approval
- Commissioner must consider the temporary licence necessary to service an insurance business.
- Duration
- No more than 180 days.
- Eligibility
- Surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled, to service the business during sale, recovery, or personnel training.
- Limitations
- Commissioner may limit authority, require a licensed producer or insurer sponsor responsible for all acts, or revoke if public interests are endangered. Licence cannot continue after disposal of the business.
Official no-examination sources
Effective from 2026-09-22.
- cgs-chapter-701a.html
CGS §38a-702j(a)
- cgs-chapter-701a.html
CGS §38a-702j(b)