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Idaho Health Insurance — Requirements & Free Practice

US-ID · License preparation

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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.

Insurance Producer License, Business Entity — Disability (Accident and Health or Sickness)

Producer business entity for disability/health authority; the designated responsible licensed individual carries the appropriate authority.

Licensing authority: Idaho Department of Insurance · Application information

New entity application after more than one year of expiry
No examination is required for this applicant pathway.
Application
Comply with entity qualification, DRLP, registration and fee requirements.
Department statement
The Business Entity page states: "After one year a new license will need to be applied for, including fingerprinting and testing." Section 41-1006 applies the licensing examination to resident individuals; section 41-1007(2) requires the entity to designate a licensed individual and imposes no entity examination. The Department statement remains an applicant condition, not a health exam required of the entity.
Lapse
Expired for more than one year; new entity application rather than late renewal.

Official no-examination sources

Effective from 2026-09-22.

Entity reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
Meet new entity licensing requirements; nonresident entities retain reciprocity conditions.
Good cause
Director may require good cause overcoming the prior revocation or refusal.
Order
Wait the section 41-1026 period in the final order, generally one to five years for revocation or refusal and one year for denied initial application.

Official no-examination sources

Effective from 2026-09-22.

New entity licence following change of FEIN
No examination is required for this applicant pathway.
Application
Meet applicable entity initial issuance requirements, including a licensed DRLP.
Fein
A changed FEIN requires a new entity licence and a request to merge it with the existing licence.
Transfer
Active appointments and existing registrations transfer to the new FEIN.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Disability / Accident Health and Sickness authority.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Home-jurisdiction resident entity licence with the requested authority; reciprocity and Director service-of-process requirements apply.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Maintain an active same-line home-jurisdiction resident licence.
Lapse
Late renewal available up to one year past expiration.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Maintain the matching home-jurisdiction resident licence.

Official no-examination sources

Effective from 2026-09-22.

Business entity reactivation after loss of DRLP
No examination is required for this applicant pathway.
Inactivity
Licence became inactive after losing all designated responsible licensed producers.
Replacement
Identify a replacement Idaho licensed producer covering the entity authority.
Request
An agency officer signs and submits the Department reactivation form to agent@doi.idaho.gov.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Disability / Accident Health and Sickness authority.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Idaho resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Idaho resident entity.
Lapse
Late renewal available up to one year past expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Idaho resident entity.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Producer License, Business Entity — Credit

Business entity credit limited lines authority, included for credit and mortgage disability insurance.

Licensing authority: Idaho Department of Insurance · Application information

New entity application after more than one year of expiry
No examination is required for this applicant pathway.
Application
Comply with entity qualification, DRLP, registration and fee requirements.
Department statement
The Business Entity page states: "After one year a new license will need to be applied for, including fingerprinting and testing." Section 41-1006 applies the licensing examination to resident individuals; section 41-1007(2) requires the entity to designate a licensed individual and imposes no entity examination. The Department statement remains an applicant condition, not a health exam required of the entity.
Lapse
Expired for more than one year; new entity application rather than late renewal.

Official no-examination sources

Effective from 2026-09-22.

Entity reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
Meet new entity licensing requirements; nonresident entities retain reciprocity conditions.
Good cause
Director may require good cause overcoming the prior revocation or refusal.
Order
Wait the section 41-1026 period in the final order, generally one to five years for revocation or refusal and one year for denied initial application.

Official no-examination sources

Effective from 2026-09-22.

New entity licence following change of FEIN
No examination is required for this applicant pathway.
Application
Meet applicable entity initial issuance requirements, including a licensed DRLP.
Fein
A changed FEIN requires a new entity licence and a request to merge it with the existing licence.
Transfer
Active appointments and existing registrations transfer to the new FEIN.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Credit limited line, including credit disability and mortgage disability.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Home-jurisdiction resident entity licence with the requested authority; reciprocity and Director service-of-process requirements apply.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Maintain an active same-line home-jurisdiction resident licence.
Lapse
Late renewal available up to one year past expiration.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Maintain the matching home-jurisdiction resident licence.

Official no-examination sources

Effective from 2026-09-22.

Business entity reactivation after loss of DRLP
No examination is required for this applicant pathway.
Inactivity
Licence became inactive after losing all designated responsible licensed producers.
Replacement
Identify a replacement Idaho licensed producer covering the entity authority.
Request
An agency officer signs and submits the Department reactivation form to agent@doi.idaho.gov.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Credit limited line, including credit disability and mortgage disability.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Idaho resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Idaho resident entity.
Lapse
Late renewal available up to one year past expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Idaho resident entity.

Official no-examination sources

Effective from 2026-09-22.

Idaho Producer License — Credit Insurance

Individual limited lines credit authority, included for credit disability and mortgage disability insurance; does not confer the full disability/health line.

Licensing authority: Idaho Department of Insurance · Application information

New limited lines application after one year of expiry
No examination is required for this applicant pathway.
Application
Meet the resident or nonresident initial qualification requirements and submit manual attestation; the specified limited line has no examination.
Department statement
The limited-lines page generically says "After one year a new license will need to be applied for, including fingerprinting and testing." The same page explicitly states there is no examination for Credit or Travel. The generic testing statement is retained here as an applicant condition; it names no exam for these lines.
Lapse
Licence expired one year or more; submit a new application.

Official no-examination sources

Effective from 2026-09-22.

Limited lines reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
New limited-line application and manual attestation; the limited line has no licensing examination.
Order
Meet the applicable section 41-1026 waiting period and any good-cause requirement.

Official no-examination sources

Effective from 2026-09-22.

Place existing limited lines individual licence on inactive status
No examination is required for this applicant pathway.
Discretion
Director approval; no active insurance transactions, continued fees and CE exemption under section 41-1028.
Existing license
Existing individual producer requests inactive status.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines initial issuance
No examination is required for this applicant pathway.
Application
Submit the uniform application and fees.
Authority
Only the specified limited line; not full disability/health authority.
Education
Read the Department Limited Lines Producer Pre-Licensing Manual and submit its signed attestation; no licensing examination.
Home license
Current home-jurisdiction licence in good standing for the identical named limited line, with reciprocity.
Service
Appoint the Director for service of process.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines late renewal within one year
No examination is required for this applicant pathway.
Application
Apply and pay late renewal fee; limited-line-only producers have no CE or licensing exam for this line.
Home license
Nonresident applicants retain same-line home-jurisdiction licence.
Lapse
Late renewal up to one year after expiration.
Other lines
If the person held another full line or Surety, late CE and retest requirements relate to those lines, not this limited authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines renewal
No examination is required for this applicant pathway.
Application
Submit online renewal and fees every two years.
Authority
Only the specified limited line; not full disability/health authority.
Education
Limited-line-only producers are exempt from Idaho CE. If a full line or Surety was held during the period, the Department requires the relevant CE.
Home license
Nonresidents maintain same named limited authority in their home jurisdiction.

Official no-examination sources

Effective from 2026-09-22.

Reactivate an inactive limited lines individual licence
No examination is required for this applicant pathway.
Director
Director may grant or deny reactivation.
Education
Section 41-1028(5) permits proof of 20 CE hours earned in the previous 12 months. Its retesting alternative does not identify an examination offered for Credit or Travel; the Department expressly states these lines have no licensing examination.
Existing license
Inactive individual limited lines producer.

Official no-examination sources

Effective from 2026-09-22.

Limited lines resident issuance following relocation
No examination is required for this applicant pathway.
Authority
Prior same-line authority and section 41-1012 examination exemption; this limited line independently has no examination.
Fingerprints
Resident fingerprint requirements and manual attestation remain applicant conditions.
Relocation
Apply within 90 days after establishing Idaho residence.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines initial issuance
No examination is required for this applicant pathway.
Age
At least 18; meet the individual character requirements.
Application
Submit the uniform application and fees.
Authority
Only the specified limited line; not full disability/health authority.
Education
Read the Department Limited Lines Producer Pre-Licensing Manual and submit its signed attestation; no licensing examination.
Fingerprints
Submit licensing fingerprints, CHRI release and payment receipt; noncitizen resident applicant supplies current work permit or Green Card.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines late renewal within one year
No examination is required for this applicant pathway.
Application
Apply and pay late renewal fee; limited-line-only producers have no CE or licensing exam for this line.
Home license
Idaho resident producer.
Lapse
Late renewal up to one year after expiration.
Other lines
If the person held another full line or Surety, late CE and retest requirements relate to those lines, not this limited authority.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines renewal
No examination is required for this applicant pathway.
Application
Submit online renewal and fees every two years.
Authority
Only the specified limited line; not full disability/health authority.
Education
Limited-line-only producers are exempt from Idaho CE. If a full line or Surety was held during the period, the Department requires the relevant CE.
Home license
Idaho resident producer.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Disability (Accident and Health or Sickness)

Individual insurance producer license for disability, including accident and health or sickness coverage for sickness, bodily injury or accidental death and disability income benefits; resident and nonresident pathways.

Licensing authority: Idaho Department of Insurance · Application information

Add disability/health authority to an existing resident producer licence
ID Accident & Health or Sickness Producer
Exam
Pass the appropriate examination and send pass slips to the Department before requesting the line through NIPR.
Existing license
An Idaho resident producer adding the health line.
Score window
The 180-day score/application rule in section 41-1006 applies.
Reactivate an inactive individual health producer licence
ID Accident & Health or Sickness Producer
Alternative
Submit proof of 20 CE hours earned during the prior 12 months OR proof of retesting and satisfying the applicable health examination requirements.
Discretion
Director may grant or deny reactivation; applicants using the CE alternative need not retest.
Existing license
Individual producer licence on inactive status.
Place existing individual licence on inactive status
No examination is required for this applicant pathway.
Continuation
Pay continuation fees; inactive producer is exempt from CE.
Discretion
Director may grant or deny inactive status.
Existing license
Existing individual producer applies on the Director’s prescribed form.
Practice
No insurance business or other activity requiring an active licence during inactivity; prior-business compensation may continue subject to insurer contract.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within twelve months with timely completed continuing education
No examination is required for this applicant pathway.
Continuing education
Required CE was satisfied timely, or applicant is otherwise exempt.
Fee
Double the unpaid renewal fee; no written examination under section 41-1008(3).
Lapse
Apply within 12 months after renewal fee due date; this route excludes the retesting situation under section 41-1013(7).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement with delinquent continuing education completed within ninety days
No examination is required for this applicant pathway.
Lapse
Submit proof of all CE requirements within 90 days after licence expiration.
Penalty
The statute and Department set graduated late-CE penalties for days 1–30, 31–60 and 61–90, plus applicable late renewal fees.
Source difference
The Department Continuing Education FAQ says: "90-365 days past the expiration date: $80, and you will be required to re-test for the lines of authority you carry on your license as well as complete your CE requirements." Section 41-1013(7) says "Following the ninetieth day"; the statutory threshold controls.

Official no-examination sources

Effective from 2026-09-22.

Renewal or restoration with military or extenuating circumstance waiver request
ID Accident & Health or Sickness Producer
Circumstance
Military service or another extenuating circumstance, such as long-term medical disability, prevents compliance with renewal procedures.
Discretion
Request a Director waiver of renewal procedures, examination requirements, fines or sanctions; a request is not an automatic waiver.
Examination
The health examination remains the identified retest where otherwise required, subject to the requested waiver.
Nonresident reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
Submit a new nonresident application, required fees and service-of-process appointment.
Home license
Maintain a current same-line resident licence in good standing in a reciprocal home jurisdiction.
Order
Comply with the waiting periods and any required good-cause showing in section 41-1026.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-jurisdiction or uniform application and fees; fingerprints if required by the Director.
Exam
Other-jurisdiction licensing and examinations are prior qualifications, not Idaho examination leaves.
Home license
Maintain a current resident licence in good standing for the requested health authority.
Reciprocity
Home jurisdiction awards Idaho residents nonresident licences on the same basis.
Service
Appoint the Director for service of process under section 41-1010.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit renewal request and fee.
Continuing education
Home-jurisdiction CE satisfies Idaho under reciprocal recognition; no separate Idaho CE.
Home license
Maintain home-jurisdiction resident licence for the same authority.

Official no-examination sources

Effective from 2026-09-22.

Resident new application after one year of expiry
ID Accident & Health or Sickness Producer
Application
Reapply and retest as a new applicant; resident application and fingerprint requirements apply.
Lapse
Licence expired one year or more.
Resident reapplication after initial licence denial
ID Accident & Health or Sickness Producer
Application
Meet ordinary new resident application and examination requirements, subject to applicable statutory exemptions.
Wait
Wait one year after denial or final affirming court order.
Reinstatement after the ninetieth day of CE related nonrenewal and within one year
ID Accident & Health or Sickness Producer
Application
Complete all licensure requirements, retest, submit a new application and pay new licence fees.
Education
Complete CE for the licensing period in which the licence terminated.
Lapse
Following day 90 and up to one year after nonrenewal for unmet CE.
Source difference
The Department Continuing Education FAQ says: "90-365 days past the expiration date: $80, and you will be required to re-test for the lines of authority you carry on your license as well as complete your CE requirements." The statute begins after the ninetieth day.
Resident reapplication after revocation or refused continuation
ID Accident & Health or Sickness Producer
Application
A new resident application follows the ordinary qualification and examination requirements, subject to applicable statutory exemptions.
Good cause
Director may require good cause why prior revocation or refusal should not bar the new licence.
Order
Wait the period in the final order, between one and five years; one year if the order sets no period.
Review
If reviewed judicially, wait from the final affirming court order.
Resident initial issuance with currently held same line licence
No examination is required for this applicant pathway.
Application
Meet the remaining individual licensing and fingerprint requirements; exemption is from the prelicensing examination.
Prior license
Currently licensed in another state for the same lines of authority under section 41-1012(1)(a).

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination
ID Accident & Health or Sickness Producer
Age
At least 18 years old.
Application
Submit the uniform application with true, correct and complete statements and applicable fees.
Authority
Apply for the Disability / Accident Health and Sickness line.
Character
No act constituting a ground for licence denial, suspension or revocation.
Education
Idaho does not require prelicensing education.
Fingerprints
Resident applicants submit fingerprints and the Department CHRI release and fingerprint receipt; the application is not complete until the background check is processed.
Score window
Application must reach the Department within 180 days after successfully completing the examination.
Resident initial issuance following cancellation within ninety days
No examination is required for this applicant pathway.
Application
Meet the remaining individual licensing and fingerprint requirements.
Good standing
Prior jurisdiction certification or NAIC producer database establishes the required good standing.
Prior license
Previously licensed for the same authority; application received within 90 days after cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance following relocation to Idaho
No examination is required for this applicant pathway.
Authority
No prelicensing examination for authority previously held unless the Director provides otherwise by rule.
Fingerprints
The Department requires Idaho licensing fingerprints despite the examination exemption.
Relocation
Apply within 90 days after establishing Idaho legal residence.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Application
Submit renewal request and renewal fee before expiration.
Continuing education
Complete 24 hours in the two-year licensing period, including at least 3 ethics hours, and submit the CE statement.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary producer authority under section 41-1015, with a separate section 41-1011 pathway while the fingerprint report is pending.

Licensing authority: Idaho Department of Insurance · Application information

Temporary issuance: entity member
No examination is required for this applicant pathway.
Director
Director determines necessity and may impose a licensed sponsor and protective limitations.
Duration
At most 180 days without an examination under section 41-1015(1).
Eligibility
Member or employee of a licensed producer entity after death or disability of its designated individual.
Termination
May be revoked and cannot continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: military designee
No examination is required for this applicant pathway.
Director
Director determines necessity and may impose a licensed sponsor and protective limitations.
Duration
At most 180 days without an examination under section 41-1015(1).
Eligibility
Designee of a licensed producer entering active United States armed-forces service.
Termination
May be revoked and cannot continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary resident issuance while FBI fingerprint report is pending
ID Accident & Health or Sickness Producer
Background
FBI fingerprint report remains pending.
Discretion
Director may issue a temporary licence pending the report.
Qualifications
All other qualifications must have been met, including the health licensing examination unless a statutory exemption applies.
Temporary issuance while FBI report is pending with prior license examination exemption
No examination is required for this applicant pathway.
Background
FBI report remains pending.
Discretion
Director may issue temporary authority pending the report.
Exemption
Meet section 41-1012 same-line prior-licence examination exemption and all other qualifications.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: public interest
No examination is required for this applicant pathway.
Director
Director determines necessity and may impose a licensed sponsor and protective limitations.
Duration
At most 180 days without an examination under section 41-1015(1).
Eligibility
Other circumstances in which the Director finds public interest best served by temporary issuance, excluding the separate pending-FBI route.
Termination
May be revoked and cannot continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: survivor
No examination is required for this applicant pathway.
Director
Director determines necessity and may impose a licensed sponsor and protective limitations.
Duration
At most 180 days without an examination under section 41-1015(1).
Eligibility
Surviving spouse or court-appointed personal representative of a producer who died or became mentally or physically disabled, for sale, recovery, return or training replacement personnel.
Termination
May be revoked and cannot continue after disposal of the business.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer license

Available to individuals or business entities to sell, solicit or negotiate travel insurance on behalf of a licensed insurer, including coverage for sickness, accident, disability or death during travel.

Licensing authority: Idaho Department of Insurance · Application information

New entity application after more than one year of expiry
No examination is required for this applicant pathway.
Application
Comply with entity qualification, DRLP, registration and fee requirements.
Department statement
The Business Entity page states: "After one year a new license will need to be applied for, including fingerprinting and testing." Section 41-1006 applies the licensing examination to resident individuals; section 41-1007(2) requires the entity to designate a licensed individual and imposes no entity examination. The Department statement remains an applicant condition, not a health exam required of the entity.
Lapse
Expired for more than one year; new entity application rather than late renewal.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Entity reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
Meet new entity licensing requirements; nonresident entities retain reciprocity conditions.
Good cause
Director may require good cause overcoming the prior revocation or refusal.
Order
Wait the section 41-1026 period in the final order, generally one to five years for revocation or refusal and one year for denied initial application.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

New entity licence following change of FEIN
No examination is required for this applicant pathway.
Application
Meet applicable entity initial issuance requirements, including a licensed DRLP.
Fein
A changed FEIN requires a new entity licence and a request to merge it with the existing licence.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.
Transfer
Active appointments and existing registrations transfer to the new FEIN.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Limited lines travel authority, including sickness, accident and disability during travel.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Home-jurisdiction resident entity licence with the requested authority; reciprocity and Director service-of-process requirements apply.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Maintain an active same-line home-jurisdiction resident licence.
Lapse
Late renewal available up to one year past expiration.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Maintain the matching home-jurisdiction resident licence.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Business entity reactivation after loss of DRLP
No examination is required for this applicant pathway.
Inactivity
Licence became inactive after losing all designated responsible licensed producers.
Replacement
Identify a replacement Idaho licensed producer covering the entity authority.
Request
An agency officer signs and submits the Department reactivation form to agent@doi.idaho.gov.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit uniform entity application via NIPR and applicable fees.
Authority
Limited lines travel authority, including sickness, accident and disability during travel.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Registration
Register the entity with the Idaho Secretary of State.
Residency
Idaho resident business entity.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity late renewal within one year
No examination is required for this applicant pathway.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Fee
Submit online late renewal; Department lists $120 plus vendor fees.
Home license
Idaho resident entity.
Lapse
Late renewal available up to one year past expiration.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Submit entity renewal request and fees; business entities are exempt from Idaho CE.
Designated producer
Designate at least one licensed individual producer responsible for compliance; designated producers together cover all requested lines.
Home license
Idaho resident entity.
Retailer register
Establish and maintain the retailer register; report annually by March 1 and report Idaho written premium. Train retail employees and representatives on insurance types, ethical sales and required disclosures, and designate the responsible licensed producer under section 41-1092.

Official no-examination sources

Effective from 2026-09-22.

limited lines travel insurance producer license

Individual travel producer and designated responsible producer authority, included for sickness, accident and disability during travel; does not confer major medical authority.

Licensing authority: Idaho Department of Insurance · Application information

New limited lines application after one year of expiry
No examination is required for this applicant pathway.
Application
Meet the resident or nonresident initial qualification requirements and submit manual attestation; the specified limited line has no examination.
Department statement
The limited-lines page generically says "After one year a new license will need to be applied for, including fingerprinting and testing." The same page explicitly states there is no examination for Credit or Travel. The generic testing statement is retained here as an applicant condition; it names no exam for these lines.
Lapse
Licence expired one year or more; submit a new application.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Limited lines reapplication after revocation, refused continuation or denial
No examination is required for this applicant pathway.
Application
New limited-line application and manual attestation; the limited line has no licensing examination.
Order
Meet the applicable section 41-1026 waiting period and any good-cause requirement.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Place existing limited lines individual licence on inactive status
No examination is required for this applicant pathway.
Discretion
Director approval; no active insurance transactions, continued fees and CE exemption under section 41-1028.
Existing license
Existing individual producer requests inactive status.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines initial issuance
No examination is required for this applicant pathway.
Application
Submit the uniform application and fees.
Authority
Only the specified limited line; not full disability/health authority.
Education
Read the Department Limited Lines Producer Pre-Licensing Manual and submit its signed attestation; no licensing examination.
Home license
Current home-jurisdiction licence in good standing for the identical named limited line, with reciprocity.
Service
Appoint the Director for service of process.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines late renewal within one year
No examination is required for this applicant pathway.
Application
Apply and pay late renewal fee; limited-line-only producers have no CE or licensing exam for this line.
Home license
Nonresident applicants retain same-line home-jurisdiction licence.
Lapse
Late renewal up to one year after expiration.
Other lines
If the person held another full line or Surety, late CE and retest requirements relate to those lines, not this limited authority.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines renewal
No examination is required for this applicant pathway.
Application
Submit online renewal and fees every two years.
Authority
Only the specified limited line; not full disability/health authority.
Education
Limited-line-only producers are exempt from Idaho CE. If a full line or Surety was held during the period, the Department requires the relevant CE.
Home license
Nonresidents maintain same named limited authority in their home jurisdiction.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Reactivate an inactive limited lines individual licence
No examination is required for this applicant pathway.
Director
Director may grant or deny reactivation.
Education
Section 41-1028(5) permits proof of 20 CE hours earned in the previous 12 months. Its retesting alternative does not identify an examination offered for Credit or Travel; the Department expressly states these lines have no licensing examination.
Existing license
Inactive individual limited lines producer.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Limited lines resident issuance following relocation
No examination is required for this applicant pathway.
Authority
Prior same-line authority and section 41-1012 examination exemption; this limited line independently has no examination.
Fingerprints
Resident fingerprint requirements and manual attestation remain applicant conditions.
Relocation
Apply within 90 days after establishing Idaho residence.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines initial issuance
No examination is required for this applicant pathway.
Age
At least 18; meet the individual character requirements.
Application
Submit the uniform application and fees.
Authority
Only the specified limited line; not full disability/health authority.
Education
Read the Department Limited Lines Producer Pre-Licensing Manual and submit its signed attestation; no licensing examination.
Fingerprints
Submit licensing fingerprints, CHRI release and payment receipt; noncitizen resident applicant supplies current work permit or Green Card.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines late renewal within one year
No examination is required for this applicant pathway.
Application
Apply and pay late renewal fee; limited-line-only producers have no CE or licensing exam for this line.
Home license
Idaho resident producer.
Lapse
Late renewal up to one year after expiration.
Other lines
If the person held another full line or Surety, late CE and retest requirements relate to those lines, not this limited authority.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines renewal
No examination is required for this applicant pathway.
Application
Submit online renewal and fees every two years.
Authority
Only the specified limited line; not full disability/health authority.
Education
Limited-line-only producers are exempt from Idaho CE. If a full line or Surety was held during the period, the Department requires the relevant CE.
Home license
Idaho resident producer.
Travel role
The Department requires the licence for the individual designated responsible producer of a wholesaler; a person retaining this licence may sell, solicit and negotiate directly. Retail-only offer-and-disseminate activities under a wholesaler follow statutory registration and training conditions.

Official no-examination sources

Effective from 2026-09-22.

ID Accident & Health or Sickness Producer

Provider
Pearson VUE
Format
Computer-based examination at a test center or online through OnVUE; general and state sections receive separate pass/fail results
Exam questions
75 scored questions: 50 general knowledge and 25 Idaho specific; 5 general and 6 state pretest questions
Time limit
120 minutes
Exam fee
$65; handbook lists the price for State, General, or Combo
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
  • Idaho Specific Health — I. Idaho Statutes, Rules, and Regulations Common to Life, Health/Disability, Property, Casualty, and Personal Lines Insurance
    • A. Responsibilities of the Director of the Department of Insurance
    • A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
    • A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
    • A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
    • A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
    • A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic company
    • B. Definitions / 2. Foreign company
    • B. Definitions / 3. Alien company
    • B. Definitions / 4. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions / 5. Stock and mutual companies and reciprocals
    • B. Definitions / 6. Certificate of authority
    • B. Definitions / 7. Transacting insurance
    • B. Definitions / 8. Negotiate
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
    • C. Licensing / 2. Producer appointment/termination of appointment
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications
    • C. Licensing / 3. Obtaining a license / b. License application
    • C. Licensing / 3. Obtaining a license / c. Written examinations
    • C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 3. Obtaining a license / e. License denial/refusal
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education
    • C. Licensing / 4. Maintaining a license / b. Change of address/place of business
    • C. Licensing / 4. Maintaining a license / c. Fees/renewal
    • C. Licensing / 4. Maintaining a license / d. Record keeping
    • C. Licensing / 4. Maintaining a license / e. License expiration
    • C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
    • D. Producer responsibilities
    • D. Producer responsibilities / 1. Fiduciary capacity
    • D. Producer responsibilities / 2. Commissions and compensation
    • D. Producer responsibilities / 3. Charging of fees and disclosure requirements
    • D. Producer responsibilities / 4. Reporting of actions
    • E. Insurance contracts
    • E. Insurance contracts / 1. Filing and approval of policy forms
    • E. Insurance contracts / 2. Payment of claims
    • E. Insurance contracts / 3. Power to contract
    • F. Marketing practices
    • F. Marketing practices / 1. Unfair claims practices
    • F. Marketing practices / 2. Unfair methods of competition
    • F. Marketing practices / 2. Unfair methods of competition / a. Rebating
    • F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
    • F. Marketing practices / 2. Unfair methods of competition / c. False advertising
    • F. Marketing practices / 2. Unfair methods of competition / d. Defamation
    • F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
    • F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
    • F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
    • F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
    • F. Marketing practices / 2. Unfair methods of competition / i. Fraud
    • F. Marketing practices / 3. Penalties
  • Idaho Specific Health — II. Idaho Statutes, Rules, and Regulations Common to Life and Health/Disability Insurance Only
    • A. Credit life and disability insurance
    • B. Life and Health Insurance Guaranty Association Act
    • C. Assignment
  • Idaho Specific Health — III. Idaho Statutes, Rules, and Regulations Pertinent to Health/Disability Insurance Only
    • A. Policy clauses and provisions
    • A. Policy clauses and provisions / 1. Minimum standards
    • A. Policy clauses and provisions / 1. Minimum standards / a. Purpose
    • A. Policy clauses and provisions / 1. Minimum standards / b. Definition
    • A. Policy clauses and provisions / 2. Required and optional coverages
    • A. Policy clauses and provisions / 2. Required and optional coverages / a. Newborns and adopted children
    • A. Policy clauses and provisions / 2. Required and optional coverages / b. Maternity benefits
    • A. Policy clauses and provisions / 2. Required and optional coverages / c. Handicapped dependents
    • A. Policy clauses and provisions / 2. Required and optional coverages / d. Reconstructive surgery/prosthetic devices
    • A. Policy clauses and provisions / 2. Required and optional coverages / e. Free look
    • A. Policy clauses and provisions / 2. Required and optional coverages / f. Right of insurer to contest (time limit on certain defenses)
    • A. Policy clauses and provisions / 2. Required and optional coverages / g. Grace period
    • A. Policy clauses and provisions / 2. Required and optional coverages / h. Pre-existing conditions
    • A. Policy clauses and provisions / 2. Required and optional coverages / i. Skilled nursing facility
    • A. Policy clauses and provisions / 2. Required and optional coverages / j. Mammograms
    • A. Policy clauses and provisions / 3. Benefit standards
    • B. Accidental death and dismemberment
    • C. Disclosure
    • C. Disclosure / 1. Outline of coverage
    • C. Disclosure / 2. Renewal agreements/nonrenewal and cancellation
    • D. Medicare supplement insurance
    • E. Long term care
    • E. Long term care / 1. Definitions
    • E. Long term care / 2. Disclosure Statements
    • E. Long term care / 3. Activities of Daily Living
    • E. Long term care / 4. Producer Training Requirement
    • E. Long term care / 5. Suitability
    • F. Small employer health insurance availability act
    • F. Small employer health insurance availability act / 1. Special provisions
    • F. Small employer health insurance availability act / 2. Disclosure requirements
    • F. Small employer health insurance availability act / 3. Termination/nonrenewal
    • F. Small employer health insurance availability act / 4. Fair marketing standards
    • F. Small employer health insurance availability act / 5. Definitions
    • F. Small employer health insurance availability act / 5. Definitions / a. Small employer
    • F. Small employer health insurance availability act / 5. Definitions / b. Eligible employee
    • G. Individual health insurance availability act
    • H. Disability income protection
    • I. Idaho Health Carrier External Review Act
Examination sources