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Delaware Health Insurance — Requirements & Free Practice

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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.

Business Entity Agency License

Business entity producer authority in the health line; a licensed designated responsible producer is an applicant condition.

Licensing authority: Delaware Department of Insurance · Application information

Business entity restoration after disciplinary suspension
No examination is required for this applicant pathway.
Examination
Section 1706(f) defines business entity licensing conditions; an examination is not required of the business entity.
Terms
Satisfy the Commissioner’s reinstatement conditions and restore a licensed designated responsible producer in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Health authority
The entity and producers acting for it must hold the appropriate accident and health authority.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Responsible producer
Designate a licensed producer responsible for the entity’s compliance; the responsible producer’s individual license is a condition, not an examination required of the entity.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Business entity license renewal
No examination is required for this applicant pathway.
Fee
Renew electronically through NIPR and pay the required fee; resident entities renew in even years and nonresident entities in odd years.
Responsible producer
Designate a licensed producer responsible for the entity’s compliance; the responsible producer’s individual license is a condition, not an examination required of the entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Uniform Business Entity Application through NIPR and required fee, published as $125.
Health authority
The entity and producers acting for it must hold the appropriate accident and health authority.
Responsible producer
Designate a licensed producer responsible for the entity’s compliance; the responsible producer’s individual license is a condition, not an examination required of the entity.

Official no-examination sources

Effective from 2026-09-22.

Restoration after loss of designated responsible producer
No examination is required for this applicant pathway.
Replacement
When the designated responsible licensee is inactive, the entity is immediately suspended until it designates a responsible licensee in good standing.

Official no-examination sources

Effective from 2026-09-22.

limited line credit insurance producer

Limited credit authority including credit disability and mortgage disability insurance, rather than unrestricted health authority.

Licensing authority: Delaware Department of Insurance · Application information

Business entity limited credit initial licensure
No examination is required for this applicant pathway.
Application
Uniform Business Entity Application through NIPR and required fee, published as $125.
Health authority
The entity and producers acting for it must hold the appropriate accident and health authority.
Limited scope
Only the credit coverages authorized by section 1702(12), including credit disability.
Responsible producer
Designate a licensed producer responsible for the entity’s compliance; the responsible producer’s individual license is a condition, not an examination required of the entity.
Training
The insurer provides an instruction program for personnel who sell, solicit or negotiate credit insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited credit reissuance after lapse within 12 months
No examination is required for this applicant pathway.
Education
Provide evidence of compliance with the continuing-education requirements for the relevant renewal period.
Fees
Pay the statutory delinquency penalty and any applicable civil fine.
Time window
Reapply for the same license within 12 months after the renewal-fee or education due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit reapplication or restoration
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Restoration
Meet the applicable same-license lapse or fresh reciprocity conditions and Commissioner-imposed sanctions.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit with previous same line license
No examination is required for this applicant pathway.
Application
Submit a resident application and satisfy the applicable age, fee, fitness and criminal-history requirements of section 1706.
Prior authority
Previously licensed for the same lines in another jurisdiction.
Standing
Currently licensed there, or apply within 90 days after cancellation with certification or NAIC Producer Database evidence of good standing.
Training
Complete the insurer’s instruction program for selling limited line credit insurance.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit after relocation
No examination is required for this applicant pathway.
Application
Submit the licensing application and applicable criminal-history reports and fee; an existing Delaware nonresident licensee reports the residency change within 30 days.
Application window
Apply within 90 days after establishing Delaware legal residence under section 1709(b).
Department instructions
The Department FAQ also states that the application must be within 90 days of termination of the previous license.
Prior authority
Hold the same requested authority from the prior jurisdiction.
Regulatory exception
Section 1709(b) permits the Commissioner to determine otherwise by regulation; the Department FAQ implements the exemption for previously held lines.
Training
Complete the insurer’s limited-credit instruction program.

Official no-examination sources

Effective from 2026-09-22.

Limited credit license renewal
No examination is required for this applicant pathway.
Education
The Department exempts limited credit producers from continuing education.
Renewal
Pay the renewal fee and renew electronically; resident licenses renew in even years and nonresident licenses in odd years.

Official no-examination sources

Effective from 2026-09-22.

Limited credit reinstatement after suspension of less than 12 months
No examination is required for this applicant pathway.
Terms
For suspension of less than 12 months, complete the Commissioner’s imposed terms for reinstatement.

Official no-examination sources

Effective from 2026-09-22.

fraternal representative

Fraternal representative authorized to transact accident or health contracts under Chapter 17 and section 6233.

Licensing authority: Delaware Department of Insurance · Application information

Restoration of a grandfathered fraternal license
No examination is required for this applicant pathway.
Implementation demand
Regulation 504 section 8.4 states: 8.4 License reinstatement after suspension, revocation or cancellation. All resident licensees whose licenses were canceled, suspended or revoked for a period of twelve (12) months or more shall first complete all licensing requirements under 18 Del.C. §1706 including the retaking of exams for all lines of authority under which the individual proposes to transact insurance. Any licensee who is reinstated under the provisions of this subsection shall not be entitled to the waiver provided for in section 8.2.5. The specific higher-ranked statutory grandfather exemption controls the examination requirement.
Original license
The agent was licensed before January 1, 1997 and section 6233(a) exempts that agent from a written or other examination.
Restoration
Meet the remaining applicable licensing requirements and Commissioner-imposed restoration terms.

Official no-examination sources

Effective from 2026-09-22.

Fraternal reissuance after lapse within 12 months
No examination is required for this applicant pathway.
Education
Provide evidence of compliance with the continuing-education requirements for the relevant renewal period.
Fees
Pay the statutory delinquency penalty and any applicable civil fine.
Time window
Reapply for the same license within 12 months after the renewal-fee or education due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident fraternal reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Nonresident fraternal renewal
No examination is required for this applicant pathway.
Education
Meet home-state education requirements; the Department states that nonresident fraternal producers are exempt from Delaware education requirements.
Renewal
Renew biennially in odd years and pay required fees.

Official no-examination sources

Effective from 2026-09-22.

Nonresident fraternal reapplication or restoration
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Restoration
Meet the applicable same-license lapse or fresh reciprocity conditions and Commissioner-imposed sanctions.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Fraternal licensure with previous same line license
No examination is required for this applicant pathway.
Application
Submit a resident application and satisfy the applicable age, fee, fitness and criminal-history requirements of section 1706.
Prior authority
Previously licensed for the same lines in another jurisdiction.
Standing
Currently licensed there, or apply within 90 days after cancellation with certification or NAIC Producer Database evidence of good standing.

Official no-examination sources

Effective from 2026-09-22.

Fraternal resident licensure after relocation
No examination is required for this applicant pathway.
Application
Submit the licensing application and applicable criminal-history reports and fee; an existing Delaware nonresident licensee reports the residency change within 30 days.
Application window
Apply within 90 days after establishing Delaware legal residence under section 1709(b).
Department instructions
The Department FAQ also states that the application must be within 90 days of termination of the previous license.
Prior authority
Hold the same requested authority from the prior jurisdiction.
Regulatory exception
Section 1709(b) permits the Commissioner to determine otherwise by regulation; the Department FAQ implements the exemption for previously held lines.

Official no-examination sources

Effective from 2026-09-22.

Resident fraternal initial licensure by examination
DE Accident and Health Producer
Age
At least 18 years old under section 1706(a)(1).
Application
Submit the Uniform Application electronically through NIPR and pay the required licensing fee; the published producer fee is $125.
Appointment
An insurer appointment is required when acting as its agent; an appointment is not required merely to hold the producer license.
Background
State and FBI criminal history reports are required; Department instructions require reports dated within 90 days of receipt.
Exempt activity
The salaried/noncommissioned and less-than-50-percent solicitation exemptions in section 6233(b)-(c) concern exemption from the licensing requirement, not additional examination routes.
Fitness
No disqualifying act under section 1712; disclose the information required by the Uniform Application.
Portion completion
Pass both portions within one year of passing the first portion; otherwise retake the entire examination.
Prelicensing education
The Department FAQ states that prelicensing education is not required.
Residency
A Delaware resident, or an employee of a Delaware-licensed insurance business with a physical location open to the public; registered-agent services and post-office boxes do not establish the statutory residency requirement.
Score validity
Examination score reports are valid for 12 months under section 1705(e).
Society
Represent a licensed fraternal benefit society; section 6233(a) subjects society agents to Chapter 17.
Resident fraternal renewal
No examination is required for this applicant pathway.
Education
Complete 12 approved education credits including 3 ethics credits each biennium.
Grandfather
Section 6233(a) states that agents licensed before January 1, 1997 shall not be required to take a written or other examination.
Renewal
Renew biennially by the last day of February of even years and pay the required fee.

Official no-examination sources

Effective from 2026-09-22.

Resident fraternal restoration after at least 12 months
DE Accident and Health Producer
Lapse duration
Resident license canceled, suspended or revoked for at least 12 months; Regulation 504 section 8.4 requires completing section 1706 requirements and retaking examinations for all requested lines.
Original license
The agent was not licensed before January 1, 1997.
Sanctions
Satisfy the Commissioner’s reinstatement terms and outstanding penalties; a person revoked or suspended twice shall not be licensed again under section 1712(g).
Waiver
Section 1707(h) permits examination and renewal-procedure waivers for military service or other extenuating circumstances.
Fraternal reinstatement after suspension of less than 12 months
No examination is required for this applicant pathway.
Terms
Satisfy Commissioner-imposed reinstatement terms and, for an education suspension, complete education in arrears and pay the fine within 12 months.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Accident and Health or Sickness

Insurance producer license for the accident and health or sickness line of authority.

Licensing authority: Delaware Department of Insurance · Application information

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Education
Comply with home-state continuing education; Delaware exempts nonresident producers.
Fee
Pay the required renewal fee by the deadline to maintain the license.
Home license
Maintain an active home-state license in good standing.
Period
Renew biennially by the last day of February of odd years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication or restoration after lapse or sanctions
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Disqualification
Section 1712(g) bars a person whose license was revoked or suspended on two occasions.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Restoration
For a lapse within 12 months, section 1707(g) permits same-license reapplication; after that period qualify anew under section 1708. Satisfy Commissioner-imposed reinstatement conditions for suspension.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with previous same line license
No examination is required for this applicant pathway.
Application
Submit a resident application and satisfy the applicable age, fee, fitness and criminal-history requirements of section 1706.
Prior authority
Previously licensed for the same lines in another jurisdiction.
Standing
Currently licensed there, or apply within 90 days after cancellation with certification or NAIC Producer Database evidence of good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
DE Accident and Health Producer
Age
At least 18 years old under section 1706(a)(1).
Application
Submit the Uniform Application electronically through NIPR and pay the required licensing fee; the published producer fee is $125.
Appointment
An insurer appointment is required when acting as its agent; an appointment is not required merely to hold the producer license.
Background
State and FBI criminal history reports are required; Department instructions require reports dated within 90 days of receipt.
Fitness
No disqualifying act under section 1712; disclose the information required by the Uniform Application.
Portion completion
Pass both portions within one year of passing the first portion; otherwise retake the entire examination.
Prelicensing education
The Department FAQ states that prelicensing education is not required.
Residency
A Delaware resident, or an employee of a Delaware-licensed insurance business with a physical location open to the public; registered-agent services and post-office boxes do not establish the statutory residency requirement.
Score validity
Examination score reports are valid for 12 months under section 1705(e).
Reissuance after lapse within 12 months
No examination is required for this applicant pathway.
Education
Provide evidence of compliance with the continuing-education requirements for the relevant renewal period.
Fees
Pay the statutory delinquency penalty and any applicable civil fine.
Time window
Reapply for the same license within 12 months after the renewal-fee or education due date.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after revocation
DE Accident and Health Producer
Age
At least 18 years old under section 1706(a)(1).
Application
Submit the Uniform Application electronically through NIPR and pay the required licensing fee; the published producer fee is $125.
Appointment
An insurer appointment is required when acting as its agent; an appointment is not required merely to hold the producer license.
Background
State and FBI criminal history reports are required; Department instructions require reports dated within 90 days of receipt.
Fitness
No disqualifying act under section 1712; disclose the information required by the Uniform Application.
Lapse duration
Resident license canceled, suspended or revoked for at least 12 months; Regulation 504 section 8.4 requires completing section 1706 requirements and retaking examinations for all requested lines.
Portion completion
Pass both portions within one year of passing the first portion; otherwise retake the entire examination.
Prelicensing education
The Department FAQ states that prelicensing education is not required.
Residency
A Delaware resident, or an employee of a Delaware-licensed insurance business with a physical location open to the public; registered-agent services and post-office boxes do not establish the statutory residency requirement.
Revocation wait
Revocation is for a minimum of 12 months under section 1702(19).
Sanctions
Satisfy the Commissioner’s reinstatement terms and outstanding penalties; a person revoked or suspended twice shall not be licensed again under section 1712(g).
Score validity
Examination score reports are valid for 12 months under section 1705(e).
Waiver
Section 1707(h) permits examination and renewal-procedure waivers for military service or other extenuating circumstances.
Resident licensure after relocation
No examination is required for this applicant pathway.
Application
Submit the licensing application and applicable criminal-history reports and fee; an existing Delaware nonresident licensee reports the residency change within 30 days.
Application window
Apply within 90 days after establishing Delaware legal residence under section 1709(b).
Department instructions
The Department FAQ also states that the application must be within 90 days of termination of the previous license.
Prior authority
Hold the same requested authority from the prior jurisdiction.
Regulatory exception
Section 1709(b) permits the Commissioner to determine otherwise by regulation; the Department FAQ implements the exemption for previously held lines.

Official no-examination sources

Effective from 2026-09-22.

Resident license renewal
No examination is required for this applicant pathway.
Education
Resident individual producers must complete 24 approved credits per biennium including 3 ethics credits; a resident selling long-term-care policies must include at least 3 Delaware long-term-care hours. Self-study course tests are education conditions, not a separately identified licensing examination.
Fee
Pay the required renewal fee by the deadline to maintain the license.
Period
Resident renewal is biennial by the last day of February of even years; nonresident renewal is biennial by the last day of February of odd years.
Waiver
Military service, long-term medical disability or other extenuating circumstances may support a waiver of renewal procedures, examination requirements, fines or sanctions under section 1707(h).

Official no-examination sources

Effective from 2026-09-22.

Resident restoration after cancellation or lapse of at least 12 months
DE Accident and Health Producer
Age
At least 18 years old under section 1706(a)(1).
Application
Submit the Uniform Application electronically through NIPR and pay the required licensing fee; the published producer fee is $125.
Appointment
An insurer appointment is required when acting as its agent; an appointment is not required merely to hold the producer license.
Background
State and FBI criminal history reports are required; Department instructions require reports dated within 90 days of receipt.
Fitness
No disqualifying act under section 1712; disclose the information required by the Uniform Application.
Lapse duration
Resident license canceled, suspended or revoked for at least 12 months; Regulation 504 section 8.4 requires completing section 1706 requirements and retaking examinations for all requested lines.
Portion completion
Pass both portions within one year of passing the first portion; otherwise retake the entire examination.
Prelicensing education
The Department FAQ states that prelicensing education is not required.
Residency
A Delaware resident, or an employee of a Delaware-licensed insurance business with a physical location open to the public; registered-agent services and post-office boxes do not establish the statutory residency requirement.
Sanctions
Satisfy the Commissioner’s reinstatement terms and outstanding penalties; a person revoked or suspended twice shall not be licensed again under section 1712(g).
Score validity
Examination score reports are valid for 12 months under section 1705(e).
Waiver
Section 1707(h) permits examination and renewal-procedure waivers for military service or other extenuating circumstances.
Resident reinstatement after suspension of less than 12 months
No examination is required for this applicant pathway.
Suspension duration
Suspension lasted less than 12 months.
Terms
Complete the terms imposed by the Commissioner; for a continuing-education suspension, complete education in arrears and pay the administrative fine within 12 months.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement after suspension of 12 months
DE Accident and Health Producer
Lapse duration
Resident license canceled, suspended or revoked for at least 12 months; Regulation 504 section 8.4 requires completing section 1706 requirements and retaking examinations for all requested lines.
Sanctions
Satisfy the Commissioner’s reinstatement terms and outstanding penalties; a person revoked or suspended twice shall not be licensed again under section 1712(g).
Waiver
Section 1707(h) permits examination and renewal-procedure waivers for military service or other extenuating circumstances.

Rental Car Insurance Limited Producer License

Limited license authorizing a rental company to offer or sell insurance incidental to vehicle rental, including personal accident and accident and health insurance.

Licensing authority: Delaware Department of Insurance · Application information

Rental company limited license initial issuance
No examination is required for this applicant pathway.
Applicant
A rental company files an application signed by an officer.
Application
Submit the paper application and applicable statutory fee.
Attachments
The Department requires a list of rental locations, training materials and an insurer officer’s written appointment statement specifying authorized coverages.
Scope
Coverage is incidental to vehicle rental for no more than 90 consecutive days; employees act under the limited licensee’s supervision.
Training
Provide employees basic instruction on the coverages offered.

Official no-examination sources

Effective from 2026-09-22.

Rental company limited license renewal
No examination is required for this applicant pathway.
Education
Department continuing-education guidance exempts limited car rental producers.
Renewal
Maintain Chapter 20 qualifications and the employee training program; section 701(41) requires a $325 fee each year.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Health

Discretionary temporary authority for servicing an insurance business, for no more than 180 days.

Licensing authority: insurance commissioner · Application information

Member or employee of a licensed business entity
No examination is required for this applicant pathway.
Discretion
Issuance and any authority restrictions are discretionary; a suitable licensed sponsor may be required.
Duration
No more than 180 days.
Eligibility
The designated individual of the licensed business entity dies or becomes disabled.
Termination
The temporary license cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Designee of a producer entering military service
No examination is required for this applicant pathway.
Discretion
Issuance and any authority restrictions are discretionary; a suitable licensed sponsor may be required.
Duration
No more than 180 days.
Eligibility
The producer enters active service in the United States armed forces.
Termination
The temporary license cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Other public interest circumstance
No examination is required for this applicant pathway.
Discretion
Issuance and any authority restrictions are discretionary; a suitable licensed sponsor may be required.
Duration
No more than 180 days.
Eligibility
The Commissioner determines that issuance best serves the public interest.
Termination
The temporary license cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Discretion
Issuance and any authority restrictions are discretionary; a suitable licensed sponsor may be required.
Duration
No more than 180 days.
Eligibility
A producer dies or becomes mentally or physically disabled; temporary authority allows sale, recovery, return, or training and licensing of replacement personnel.
Termination
The temporary license cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Travel Insurance Producer

Limited travel authority including sickness, accident and disability coverage; unlicensed travel retailers register under a licensed producer rather than receive this license.

Licensing authority: Delaware Department of Insurance · Application information

Business entity limited travel initial licensure
No examination is required for this applicant pathway.
Applicant
Business entity files the Commissioner-prescribed application and pays applicable licensing fees.
Exemption
Sections 1709(d) and 1772(2)g exempt limited travel applicants from examinations; section 1772(2)g also exempts continuing education.
Retailer program
A business entity using registered travel retailers must designate an individual responsible producer, maintain the retailer register, arrange required fingerprints and provide retailer training under section 1772(2).
Scope
Travel coverage may include sickness, accident and disability; it does not authorize major medical coverage for trips lasting six months or longer.

Official no-examination sources

Effective from 2026-09-22.

Individual limited travel initial licensure
No examination is required for this applicant pathway.
Applicant
Individual files the Commissioner-prescribed application and pays applicable licensing fees.
Exemption
Sections 1709(d) and 1772(2)g exempt limited travel applicants from examinations; section 1772(2)g also exempts continuing education.
Retailer program
A business entity using registered travel retailers must designate an individual responsible producer, maintain the retailer register, arrange required fingerprints and provide retailer training under section 1772(2).
Scope
Travel coverage may include sickness, accident and disability; it does not authorize major medical coverage for trips lasting six months or longer.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited travel reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper licensing request and Uniform Application or home-state application and pay the required fee; electronic submission through NIPR, published producer fee $125.
Home state examination
Any examination underlying the other jurisdiction’s license is an applicant condition; another jurisdiction’s examination is not a Delaware requirement leaf.
Home state license
Currently licensed as a resident and in good standing in the home state for the requested authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Status verification
The Commissioner may verify home-state license status through the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Limited travel renewal
No examination is required for this applicant pathway.
Education
Limited travel producers are exempt from examination and continuing education requirements under section 1772(2)g.
Renewal
Pay applicable producer renewal fees and keep the responsible producer and retailer register current.

Official no-examination sources

Effective from 2026-09-22.

Limited travel reapplication or restoration
No examination is required for this applicant pathway.
Application
Reapply within the applicable lapse period or file a new limited travel application; satisfy Commissioner-imposed sanctions and section 1772 requirements.
Exemption
The specific limited travel examination exemption controls over general Chapter 17 requirements.

Official no-examination sources

Effective from 2026-09-22.

DE Accident and Health Producer

Provider
Pearson VUE
Format
Computer-delivered examination with general knowledge and state statutes and regulations portions
Exam questions
92 scored questions: 50 general knowledge and 42 state-specific; handbook lists 10 general and 13 state pretest questions, while the general outline lists 5 general pretest questions
Time limit
1 hour 15 minutes general knowledge; 1 hour state statutes and regulations
Passing score
Scaled score on a 0–100 scale; the handbook states that the required passing score is printed on the score report
Exam fee
$90 per examination
Examination outline
  • General knowledge: I. TYPES OF POLICIES
    • A. Disability income
    • A. Disability income / 1. Individual disability income policy
    • A. Disability income / 2. Business overhead expense policy
    • A. Disability income / 3. Business disability buyout policy
    • A. Disability income / 4. Group disability income policy
    • A. Disability income / 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance / 2. Major medical policies
    • C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance / 5. Point of Service (POS) plans
    • C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance / 1. Differences between individual and group contracts
    • E. Group insurance / 2. General characteristics
    • E. Group insurance / 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) / 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) / 2. Levels of care
    • G. Other policies
    • G. Other policies / 1. Dental
    • G. Other policies / 2. Vision
    • G. Other policies / 3. Cancer
    • G. Other policies / 4. Critical illness or specified disease
    • G. Other policies / 5. Worksite (employer-sponsored)
    • G. Other policies / 6. Hospital indemnity
    • G. Other policies / 7. Short-term medical
    • G. Other policies / 8. Accident
  • General knowledge: II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions / 1. Entire contract
    • A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions / 3. Grace period
    • A. Mandatory and optional provisions / 4. Reinstatement
    • A. Mandatory and optional provisions / 5. Notice of claim
    • A. Mandatory and optional provisions / 6. Claim forms
    • A. Mandatory and optional provisions / 7. Proof of loss
    • A. Mandatory and optional provisions / 8. Time of payment of claims
    • A. Mandatory and optional provisions / 9. Payment of claims
    • A. Mandatory and optional provisions / 10. Physical examination and autopsy
    • A. Mandatory and optional provisions / 11. Legal actions
    • A. Mandatory and optional provisions / 12. Change of beneficiary
    • A. Mandatory and optional provisions / 13. Misstatement of age or gender
    • A. Mandatory and optional provisions / 14. Change of occupation
    • A. Mandatory and optional provisions / 15. Illegal occupation
    • A. Mandatory and optional provisions / 16. Relation of earnings to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses / 1. Insuring clause
    • B. Other provisions and clauses / 2. Free look
    • B. Other provisions and clauses / 3. Consideration clause
    • B. Other provisions and clauses / 4. Probationary period
    • B. Other provisions and clauses / 5. Elimination period
    • B. Other provisions and clauses / 6. Waiver of premium
    • B. Other provisions and clauses / 7. Exclusions and limitations
    • B. Other provisions and clauses / 8. Preexisting conditions
    • B. Other provisions and clauses / 9. Coinsurance
    • B. Other provisions and clauses / 10. Deductibles
    • B. Other provisions and clauses / 11. Eligible expenses
    • B. Other provisions and clauses / 12. Copayments
    • B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders / 1. Impairment/exclusions
    • C. Riders / 2. Guaranteed insurability
    • C. Riders / 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability / 1. Noncancelable
    • D. Rights of renewability / 2. Cancelable
    • D. Rights of renewability / 3. Guaranteed renewable
  • General knowledge: III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General knowledge: IV. OTHER INSURANCE CONCEPTS
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • J. Workers Compensation / 1. Impact on health insurance benefits
    • K. Subrogation
    • L. Cost containment
  • General knowledge: V. FIELD UNDERWRITING PROCEDURES
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law / 1. Elements of a contract
    • H. Contract law / 2. Insurable interest
    • H. Contract law / 3. Warranties and representations
    • H. Contract law / 4. Unique aspects of the insurance contract
    • H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
    • H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
    • H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
    • H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
  • State specific: I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY AND CASUALTY INSURANCE
    • A. LICENSE REGULATIONS
    • A. LICENSE REGULATIONS / 1. Persons required to be licensed and responsibilities
    • A. LICENSE REGULATIONS / 1. Persons required to be licensed and responsibilities / a. Producer/Agent
    • A. LICENSE REGULATIONS / 1. Persons required to be licensed and responsibilities / b. Producer/Consultant
    • A. LICENSE REGULATIONS / 2. License requirements
    • A. LICENSE REGULATIONS / 2. License requirements / a. Fees and application
    • A. LICENSE REGULATIONS / 2. License requirements / b. Prerequisites
    • A. LICENSE REGULATIONS / 2. License requirements / c. Written examinations and exemptions
    • A. LICENSE REGULATIONS / 2. License requirements / d. Exemptions from licensing
    • A. LICENSE REGULATIONS / 2. License requirements / e. Insurer’s appointment
    • A. LICENSE REGULATIONS / 3. Authority
    • A. LICENSE REGULATIONS / 3. Authority / a. Definitions
    • A. LICENSE REGULATIONS / 3. Authority / b. License requirements
    • A. LICENSE REGULATIONS / 3. Authority / c. Lines of authority
    • A. LICENSE REGULATIONS / 3. Authority / d. Termination of appointment
    • A. LICENSE REGULATIONS / 4. Notice of address change
    • A. LICENSE REGULATIONS / 5. Continuing education
    • B. Marketing Practices
    • B. Marketing Practices / 1. Duties of licensed personnel
    • B. Marketing Practices / 2. Record keeping
    • B. Marketing Practices / 3. Compensation of licensees
    • B. Marketing Practices / 4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C. Insurance Commissioner / 1. Election and term
    • C. Insurance Commissioner / 2. General powers and duties
    • C. Insurance Commissioner / 3. Examination of insurers and producers
    • C. Insurance Commissioner / 4. Hearings
    • C. Insurance Commissioner / 5. Cease and desist orders and penalties
    • C. Insurance Commissioner / 6. General penalties
  • State specific: II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS COMMON TO BOTH LIFE AND HEALTH INSURANCE
    • A. Credit Life and Health
    • B. Life and Health Guaranty Association Act
  • State specific: III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO HEALTH INSURANCE ONLY
    • A. Individual Health insurance required provisions
    • B. Individual Health insurance optional provisions
    • C. Individual accident and health minimum standards
    • D. Group and blanket health insurance
    • D. Group and blanket health insurance / 1. Definitions
    • D. Group and blanket health insurance / 2. Required provisions
    • D. Group and blanket health insurance / 3. Small employer health insurance
    • D. Group and blanket health insurance / 4. Medicare Secondary Payor
    • E. Long Term Care
    • F. Medicare Supplement
    • G. AIDS related testing
  • State specific: IV. INSURANCE ETHICS
    • A. Definitions
    • A. Definitions / 1. Market Conduct
    • A. Definitions / 2. Authority
    • A. Definitions / 2. Authority / a. Express
    • A. Definitions / 2. Authority / b. Implied
    • A. Definitions / 2. Authority / c. Apparent
    • A. Definitions / 3. Agency versus individual licensee
    • A. Definitions / 4. Suitability
    • A. Definitions / 5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F. Unfair practices / 1. Twisting
    • F. Unfair practices / 2. Churning
    • F. Unfair practices / 3. Commingling
    • F. Unfair practices / 4. Misrepresentation
    • F. Unfair practices / 5. Defamation
    • F. Unfair practices / 6. Coercion and intimidation
    • F. Unfair practices / 7. Unfair discrimination
    • F. Unfair practices / 8. Rebating
    • F. Unfair practices / 9. Unfair claims settlement practices
    • F. Unfair practices / 10. Coercion of debtors
    • F. Unfair practices / 11. Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer’s responsibilities
Examination sources