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Insurance producer license — Accident and health or sickness

Individual resident and nonresident insurance producer authority for the accident and health or sickness major line under Iowa Code 522B.6(2)(b).

Licensing authority: Iowa Insurance Division · Application information

Add accident and health authority to an existing nonresident producer license
No examination is required for this applicant pathway.
Application
Submit an application through NIPR specifying the line to add.
Existing License
Hold an Iowa nonresident producer license.
Home Authority
Maintain the corresponding accident and health authority in good standing in the reciprocal home state.

Official no-examination sources

Effective from 2026-09-22.

Reinstate nonresident authority after child support or state debt noncompliance
No examination is required for this applicant pathway.
Certificate
The issuing agency withdraws the certificate of noncompliance.
Compliance
Be otherwise compliant with Division rules; pay all required fees.
Home License
Maintain the reciprocal home-state accident and health license and satisfy applicable home-state CE.

Official no-examination sources

Effective from 2026-09-22.

Disciplinary reinstatement of nonresident authority
No examination is required for this applicant pathway.
Applicant
License suspended and not yet terminated.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; an additional NIPR application and associated fees may be required.
Board Rule
191—10.10(2)(a) states: 10.10(2) Application required. Any producer whose license has been revoked or suspended by order or who forfeited a license in connection with a disciplinary matter must apply to the commissioner for reinstatement or reissuance in accordance with the terms of the order of revocation or suspension or the order accepting the forfeiture and submit to a criminal history check as required pursuant to Iowa Code section 522B.5A. a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. For a qualifying nonresident, 522B.15(1) waives requirements other than those imposed by 522B.7; that higher-ranked statute governs the requirement tree.
Criminal History
Submit the criminal history check required by 522B.5A.
Home License
Maintain a valid reciprocal home-state license meeting 522B.7.
Order
Comply with the disciplinary order; demonstrate that the basis for the action no longer exists and that granting the application serves the public interest.
Timing
No reinstatement before the suspension ends. If no terms were established by the order, ordinarily wait at least one year; suspension continues until an order reinstates the license.

Official no-examination sources

Effective from 2026-09-22.

Disciplinary reissuance of nonresident authority
No examination is required for this applicant pathway.
Applicant
License revoked, suspended and then terminated, or forfeited in connection with a disciplinary matter or in lieu of compliance.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; an additional NIPR application and associated fees may be required.
Board Rule
191—10.10(2)(a) states: 10.10(2) Application required. Any producer whose license has been revoked or suspended by order or who forfeited a license in connection with a disciplinary matter must apply to the commissioner for reinstatement or reissuance in accordance with the terms of the order of revocation or suspension or the order accepting the forfeiture and submit to a criminal history check as required pursuant to Iowa Code section 522B.5A. a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. For a qualifying nonresident, 522B.15(1) waives requirements other than those imposed by 522B.7; that higher-ranked statute governs the requirement tree.
Criminal History
Submit the criminal history check required by 522B.5A.
Home License
Maintain a valid reciprocal home-state license meeting 522B.7.
Order
Comply with the disciplinary order; demonstrate that the basis for the action no longer exists and that granting the application serves the public interest.
Timing
No reinstatement before the suspension ends. If no terms were established by the order, ordinarily wait at least one year; suspension continues until an order reinstates the license.

Official no-examination sources

Effective from 2026-09-22.

Restore nonresident license suspended for failed payment
No examination is required for this applicant pathway.
Hearing
A hearing may be requested within 30 days of the notice.
Payments
Make the payments and pay the Division’s fees and penalties.
Suspension
An issuance or renewal payment was returned, refused, cancelled or not approved.

Official no-examination sources

Effective from 2026-09-22.

New nonresident license after voluntary inactive status exceeding 90 days
No examination is required for this applicant pathway.
Application
Apply for a new license.
Home License
Maintain home-state accident and health authority in good standing and reciprocity.
Inactivity
Surrendered outside a disciplinary matter; more than 90 days elapsed.

Official no-examination sources

Effective from 2026-09-22.

Reactivate nonresident authority within 90 days of voluntary inactive status
No examination is required for this applicant pathway.
Eligibility
Otherwise eligible to receive the license; this provision calls for a reactivation request rather than a new examination.
Home License
For a nonresident, maintain the same-line home-state license and reciprocity; for a resident, retain eligibility under Iowa licensing law.
Inactivity
Surrendered the license outside a disciplinary matter with an intent to exit insurance business.
Window
Request reactivation within 90 days of inactive status.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the uniform or home-state application through NIPR and pay the required fee.
Criminal History
Submit to required criminal history checks if not already completed.
Home License
Currently licensed in good standing for accident and health in the home state.
Reciprocity
Home state grants nonresident licenses to Iowa residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Reinstate an expired nonresident license within 12 months
No examination is required for this applicant pathway.
Application
Request reinstatement through NIPR and pay the renewal and reinstatement fees.
Expiration
Apply within 12 months of license expiration.
Home License
Retain a valid home-state accident and health license and reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Reissue nonresident authority after more than 12 months of expiration
No examination is required for this applicant pathway.
Application
Submit the applicable NIPR application and fees.
Board Demand
The Board’s Reinstatement and Reissuance of an Expired License page states: A previously licensed insurance producer that fails to apply for reinstatement within 12 months of expiration must  take and pass the appropriate exam(s) then apply as a new licensee at www.nipr.com The statutory nonresident waiver under 522B.15(1), subject to 522B.7, controls qualifying reciprocal applicants.
Expiration
More than 12 months after expiration, or an address update required by 10.12(3) was not made; seek reissuance.
Home License
Valid home-state accident and health license in good standing with reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Continuing Education
Home-state CE satisfies Iowa CE on a reciprocal basis; 191—11.1(3)(a) excludes a nonresident residing in a jurisdiction with producer CE requirements.
Home License
Keep the accident and health home-state license active and in good standing.
Renewal
Apply through NIPR in the 90 days before expiration and pay $50.

Official no-examination sources

Effective from 2026-09-22.

Renewal or restoration with requested military or extenuating circumstance waiver
Accident & Health
Applicant
Unable to comply with renewal procedures because of military service or another extenuating circumstance.
Exam Applicability
For a resident with applicable CE requirements, the licensing examination remains an identified alternative; a granted waiver or CE compliance may excuse sitting it.
Waiver Request
Request a waiver of renewal procedures and any examination requirement, penalty or sanction; a request is subject to the commissioner’s decision.
Resident renewal under the active duty CE exemption
No examination is required for this applicant pathway.
Applicant
Serve full-time on active duty in the United States armed forces during a substantial part of the CE term.
Renewal
Meet the remaining renewal application, timing and fee requirements.
Service Evidence
Submit evidence of the qualifying service.

Official no-examination sources

Effective from 2026-09-22.

Add accident and health authority to an existing resident producer license
Accident & Health
Application
Submit a uniform application through NIPR identifying the accident and health line to add.
Existing License
Hold an Iowa resident producer license in another line.
Line Fee
The Board states there is no license fee to add a line of authority.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Resident renewal under the licensed attorney CE exemption
No examination is required for this applicant pathway.
Applicant
A licensed attorney who is also an insurance producer.
Education
Submit proof of continuing legal education for the appropriate calendar years of the CE term.
Renewal
Otherwise comply with the producer renewal procedures, application deadline and $50 fee.

Official no-examination sources

Effective from 2026-09-22.

Reinstate resident authority after child support or state debt noncompliance
Accident & Health
Certificate
The issuing agency withdraws the certificate of noncompliance.
Compliance
Be otherwise in compliance with Division rules and pay all renewal, reinstatement or reissuance fees.
Continuing Education
Complete 36 approved CE credits per CE term, including 3 ethics credits, and submit proof by the end of the last business day of the term.
Course Assessments
Any self-study course assessment is a course-specific applicant condition; no particular statewide licensing examination is identified by the self-study assessment provisions.
Exam Alternative
191—11.3(7) permits passing the appropriate licensing examination instead of CE courses. The licensing examination is involved in this route, but a producer completing the required courses need not sit it.
Disciplinary reinstatement of resident authority
Accident & Health
Applicant
License suspended and not yet terminated.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; an additional NIPR application and associated fees may be required.
Criminal History
Submit the criminal history check required by 522B.5A.
Order
Comply with the disciplinary order; demonstrate that the basis for the action no longer exists and that granting the application serves the public interest.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Timing
No reinstatement before the suspension ends. If no terms were established by the order, ordinarily wait at least one year; suspension continues until an order reinstates the license.
Disciplinary reissuance of resident authority
Accident & Health
Applicant
License revoked, suspended and then terminated, or forfeited in connection with a disciplinary matter or in lieu of compliance.
Application
File the Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action; an additional NIPR application and associated fees may be required.
Criminal History
Submit the criminal history check required by 522B.5A.
Order
Comply with the disciplinary order; demonstrate that the basis for the action no longer exists and that granting the application serves the public interest.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Timing
No reinstatement before the suspension ends. If no terms were established by the order, ordinarily wait at least one year; suspension continues until an order reinstates the license.
Initial resident licensure by examination
Accident & Health
Age
At least 18 years old.
Application
Submit the uniform application through NIPR.
Criminal History
Comply with fingerprints and state and national criminal history checks required under Iowa Code 522B.5A.
Fitness
No act constituting grounds for denial, suspension, or revocation; requisite character and competence.
License Fee
Pay the $50 producer license fee.
Line
Seek accident and health or sickness authority.
Residency
Iowa is the applicant’s home state.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Restore resident license suspended for failed payment
No examination is required for this applicant pathway.
Hearing
A hearing may be requested within 30 days of the notice.
Payments
Make the payments and pay the Division’s fees and penalties.
Suspension
An issuance or renewal payment was returned, refused, cancelled or not approved.

Official no-examination sources

Effective from 2026-09-22.

Initial resident licensure with same line prior license examination exemption
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the uniform application through NIPR.
Board Instructions
The Board’s general initial-resident page states that residents must pass the line exam; the specific statutory exemption in 522B.8(1) governs qualifying applicants.
Criminal History
Comply with fingerprints and state and national criminal history checks required under Iowa Code 522B.5A.
Fitness
No act constituting grounds for denial, suspension, or revocation; requisite character and competence.
License Fee
Pay the $50 producer license fee.
Prior License
Previously licensed for the same accident and health line; currently licensed elsewhere, or request received within 90 days of cancellation with certification of good standing at cancellation.
Residency
Iowa resident.

Official no-examination sources

Effective from 2026-09-22.

New resident license after voluntary inactive status exceeding 90 days
Accident & Health
Age
At least 18 years old.
Application
Apply for a new license; use any applicable 522B.8 examination exemption.
Criminal History
Comply with fingerprints and state and national criminal history checks required under Iowa Code 522B.5A.
Fitness
No act constituting grounds for denial, suspension, or revocation; requisite character and competence.
Inactivity
Surrendered outside a disciplinary matter; more than 90 days elapsed before the request.
License Fee
Pay the $50 producer license fee.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Reactivate resident authority within 90 days of voluntary inactive status
No examination is required for this applicant pathway.
Eligibility
Otherwise eligible to receive the license; this provision calls for a reactivation request rather than a new examination.
Home License
For a nonresident, maintain the same-line home-state license and reciprocity; for a resident, retain eligibility under Iowa licensing law.
Inactivity
Surrendered the license outside a disciplinary matter with an intent to exit insurance business.
Window
Request reactivation within 90 days of inactive status.

Official no-examination sources

Effective from 2026-09-22.

Reinstate an expired resident license within 12 months
Accident & Health
Continuing Education
Complete 36 approved CE credits per CE term, including 3 ethics credits, and submit proof by the end of the last business day of the term.
Course Assessments
Any self-study course assessment is a course-specific applicant condition; no particular statewide licensing examination is identified by the self-study assessment provisions.
Exam Alternative
191—11.3(7) permits passing the appropriate licensing examination instead of CE courses. The licensing examination is involved in this route, but a producer completing the required courses need not sit it.
Expiration
Apply within 12 months after expiration.
Fees
Pay the $50 renewal fee and $100 reinstatement fee.
Prior Compliance
Rule 10.9(1) requires proof that CE was met during the applicable term. The Board additionally permits a deficient applicant to complete CE or pass the line examination after expiration.
Score Submission
When using an examination for reinstatement, submit the Pearson VUE score report directly to the Division; it is not uploaded to NIPR.
New resident license after more than 12 months of expiration
Accident & Health
Age
At least 18 years old.
Application
Submit the uniform application through NIPR.
Criminal History
Comply with fingerprints and state and national criminal history checks required under Iowa Code 522B.5A.
Exemption
A qualifying same-line prior license under 522B.8 remains an applicant exemption.
Expiration
The prior license expired more than 12 months ago; apply for a new license.
Fitness
No act constituting grounds for denial, suspension, or revocation; requisite character and competence.
License Fee
Pay the $50 producer license fee.
Score Window
A passing result is valid for 90 days; apply within that period or the result is void.
Resident renewal with continuing education or licensing exam alternative
Accident & Health
Application
Renew through NIPR during the 90 days before expiration and pay $50.
Continuing Education
Complete 36 approved CE credits per CE term, including 3 ethics credits, and submit proof by the end of the last business day of the term.
Course Assessments
Any self-study course assessment is a course-specific applicant condition; no particular statewide licensing examination is identified by the self-study assessment provisions.
Exam Alternative
191—11.3(7) permits passing the appropriate licensing examination instead of CE courses. The licensing examination is involved in this route, but a producer completing the required courses need not sit it.
Residency
Iowa resident not within a CE exemption.
Conversion to resident licensure after moving to Iowa
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the uniform application through NIPR.
Board Procedure
Maintain the existing Iowa nonresident license until resident issuance, ensure the needed lines are active, submit the address change, and arrange surrender or conversion of the prior resident license.
Criminal History
Comply with fingerprints and state and national criminal history checks required under Iowa Code 522B.5A.
Fitness
No act constituting grounds for denial, suspension, or revocation; requisite character and competence.
License Fee
Pay the $50 producer license fee.
Prior Authority
Examination exemption applies to accident and health authority previously held; 522B.8(2) reserves any contrary regulation.
Residency
Establish Iowa legal residence.
Transfer Window
Apply within 90 days after establishing residence.

Official no-examination sources

Effective from 2026-09-22.

Business entity insurance producer license — Accident and health or sickness

Optional business entity producer license; a designated licensed individual is responsible for compliance.

Licensing authority: Iowa Insurance Division · Application information

Business entity disciplinary reinstatement
No examination is required for this applicant pathway.
Applicant
Entity licence suspended.
Application
Seek commissioner review under 191—10.10 and pay the applicable fees.
Board Rule
191—10.10(2)(a) refers generally to the other requirements of 10.4. The resident-individual examination requirement is carried by the individual’s own license, not an examination the entity must sit.
Order
Meet the order’s terms and demonstrate that the grounds no longer exist and relief is in the public interest.
Responsible Producer
Maintain an eligible individual responsible producer; Iowa Code 522B.5(2) defines the entity’s requirements, while 522B.4(1) limits the written examination duty to resident individuals.

Official no-examination sources

Effective from 2026-09-22.

Business entity disciplinary reissuance
No examination is required for this applicant pathway.
Applicant
Entity licence revoked, terminated following suspension, or forfeited in a disciplinary matter.
Application
Seek commissioner review under 191—10.10 and pay the applicable fees.
Board Rule
191—10.10(2)(a) refers generally to the other requirements of 10.4. The resident-individual examination requirement is carried by the individual’s own license, not an examination the entity must sit.
Order
Meet the order’s terms and demonstrate that the grounds no longer exist and relief is in the public interest.
Responsible Producer
Maintain an eligible individual responsible producer; Iowa Code 522B.5(2) defines the entity’s requirements, while 522B.4(1) limits the written examination duty to resident individuals.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident business entity licensure
No examination is required for this applicant pathway.
Applicant
A business entity seeking accident and health producer authority.
Application
Submit the NAIC uniform business entity application through NIPR; a nonresident entity submits the appropriate nonresident request.
Fees
Pay the applicable $50 entity licensing fee.
Responsible Producer
Designate an officer, owner, partner or member with an active Iowa producer license to accept responsibility for the entity’s business and compliance.

Official no-examination sources

Effective from 2026-09-22.

New entity application after failure to replace a lapsed responsible producer
No examination is required for this applicant pathway.
Application
Submit a new entity application with an eligible responsible producer and pay the appropriate fee.
Termination
The responsible producer’s license terminated or lapsed and no substitute was supplied within ten days, resulting in termination of the entity license.

Official no-examination sources

Effective from 2026-09-22.

Renew a business entity producer license
No examination is required for this applicant pathway.
Renewal
Submit through NIPR or as directed by the Division; renewal fee must be received before expiration.
Responsible Producer
Keep an active designated responsible Iowa producer.

Official no-examination sources

Effective from 2026-09-22.

Initial resident business entity licensure
No examination is required for this applicant pathway.
Applicant
A business entity seeking accident and health producer authority.
Application
Submit the NAIC uniform business entity application through NIPR; a nonresident entity submits the appropriate nonresident request.
Fees
Pay the applicable $50 entity licensing fee.
Responsible Producer
Designate an officer, owner, partner or member with an active Iowa producer license to accept responsibility for the entity’s business and compliance.

Official no-examination sources

Effective from 2026-09-22.

nonresident limited lines insurance producer license

Nonresident limited lines insurance producer license granting the same scope of authority as the holder’s home-state limited lines license.

Licensing authority: commissioner of insurance · Application information

Reinstate limited nonresident authority after debt noncompliance
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Certificate
The issuing agency withdraws the noncompliance certificate.
Compliance
Meet the remaining Division rules, applicable reciprocal home-state CE and fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Disciplinary reinstatement of limited nonresident authority
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Board Rule
191—10.10(2)(a) states: 10.10(2) Application required. Any producer whose license has been revoked or suspended by order or who forfeited a license in connection with a disciplinary matter must apply to the commissioner for reinstatement or reissuance in accordance with the terms of the order of revocation or suspension or the order accepting the forfeiture and submit to a criminal history check as required pursuant to Iowa Code section 522B.5A. a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. For an eligible reciprocal nonresident, the higher-ranked waiver in 522B.15(1) controls examinations beyond 522B.7.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Order
Meet the applicable disciplinary order, provide evidence that the basis no longer exists, and demonstrate the public interest in granting relief.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Disciplinary reissuance of limited nonresident authority
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Board Rule
191—10.10(2)(a) states: 10.10(2) Application required. Any producer whose license has been revoked or suspended by order or who forfeited a license in connection with a disciplinary matter must apply to the commissioner for reinstatement or reissuance in accordance with the terms of the order of revocation or suspension or the order accepting the forfeiture and submit to a criminal history check as required pursuant to Iowa Code section 522B.5A. a. All proceedings for reinstatement or reissuance must be initiated by the applicant, who shall file with the commissioner an Iowa Insurance Producer Application for Reinstatement or Reissuance After Disciplinary Action. An applicant is not eligible for reinstatement or reissuance until the applicant has satisfied the other prescribed requirements of rule 191—10.4(522B), including the timing requirements of subrule 10.4(4). An applicant may also have to submit a new or renewal producer application through the NIPR Gateway and pay any associated fee. For an eligible reciprocal nonresident, the higher-ranked waiver in 522B.15(1) controls examinations beyond 522B.7.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Order
Meet the applicable disciplinary order, provide evidence that the basis no longer exists, and demonstrate the public interest in granting relief.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident limited accident and health licensure
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Restore limited nonresident authority after failed payment
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Payments
Make the failed payments and pay associated Division fees and penalties.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

New limited nonresident license after inactive status exceeds 90 days
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Inactivity
More than 90 days after voluntary inactive status; apply for a new license.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Reactivate limited nonresident authority within 90 days
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Inactivity
Surrendered outside a disciplinary matter with intent to exit the business; apply within 90 days and be otherwise eligible.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Reinstate expired nonresident limited authority within 12 months
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Expiration
Seek reinstatement within 12 months of expiration.
Fees
Pay the renewal and reinstatement fees.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Reissue expired nonresident limited authority after 12 months
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Board Demand
The Board page states: A previously licensed insurance producer that fails to apply for reinstatement within 12 months of expiration must  take and pass the appropriate exam(s) then apply as a new licensee at www.nipr.com The statutory limited nonresident grant and reciprocal waiver control eligible applicants.
Criminal History
Comply with required criminal history checks if not already completed.
Expiration
Seek reissuance after more than 12 months of expiration or failure to update the address as required.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.

Official no-examination sources

Effective from 2026-09-22.

Renew nonresident limited accident and health authority
No examination is required for this applicant pathway.
Application
Submit the proper NIPR application or request and pay required fees.
Criminal History
Comply with required criminal history checks if not already completed.
Home Authority
Hold a home-state limited-lines producer license narrower than accident and health major-line authority, in good standing; Iowa grants only the same limited scope.
Reciprocity
Meet the reciprocal licensing conditions of 522B.7 and 522B.15.
Renewal
Apply in the 90 days before expiration and pay the renewal fee; maintain the qualifying home-state limited license.

Official no-examination sources

Effective from 2026-09-22.

Temporary insurance producer license

Temporary authority in the accident and health or sickness line, subject to Iowa Code 522B.10 and the commissioner’s limitations.

Licensing authority: Iowa Insurance Division · Application information

Temporary authority for a business entity member or employee
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed producer business entity after death or disability of its designated individual.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
Submit the written request required by 191—10.11 describing the reason and requested duration.
Scope
Accident and health authority only to the extent authorized by the commissioner.

Official no-examination sources

Effective from 2026-09-22.

Extension of temporary authority within the statutory maximum
No examination is required for this applicant pathway.
Discretion
Submit the request to the Division and remain within the commissioner’s limits and any sponsor requirement.
Duration
Extensions are permitted, but total temporary authority cannot exceed 180 days.
Existing License
Hold an unexpired temporary accident and health producer license.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority for a producer’s military service designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active service in the United States armed forces.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
Submit the written request required by 191—10.11 describing the reason and requested duration.
Scope
Accident and health authority only to the extent authorized by the commissioner.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority pending nonresident fingerprint processing
No examination is required for this applicant pathway.
Applicant
Nonresident applicant met all requirements of 522B.7 and no nonresident license issued within ten business days after submitting fingerprints and identifying information.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
191—10.11 describes applications by Iowa residents; 522B.10(1)(f) expressly also authorizes the nonresident processing-delay case.
Scope
Accident and health authority only to the extent authorized by the commissioner.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority in another public interest circumstance
No examination is required for this applicant pathway.
Applicant
Commissioner determines that the public interest will best be served by temporary issuance.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
Submit the written request required by 191—10.11 describing the reason and requested duration.
Scope
Accident and health authority only to the extent authorized by the commissioner.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority pending resident fingerprint processing
Accident & Health
Applicant
Resident applicant has satisfied all requirements of 522B.5(1), including passing the line examination unless statutorily exempt, and no resident license issued within ten business days after submitting fingerprints and identifying information.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
Submit the written request required by 191—10.11 describing the reason and requested duration.
Scope
Accident and health authority only to the extent authorized by the commissioner.
Temporary authority for a surviving spouse or court appointed representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; needed to service the business pending sale, recovery or replacement staff.
Board Discretion
Commissioner determines necessity and may limit authority, require a suitable licensed-producer or insurer sponsor, and revoke authority if insureds or the public are endangered.
Business Disposition
Temporary authority ends when the owner or personal representative disposes of the business.
Duration
Statutory maximum is 180 days; 191—10.11 provides 90-day issuance with extensions within that maximum for Iowa residents.
Implementation Conflict
Submit the written request required by 191—10.11 describing the reason and requested duration.
Scope
Accident and health authority only to the extent authorized by the commissioner.

Official no-examination sources

Effective from 2026-09-22.

Accident & Health

Provider
Pearson VUE
Format
Multiple choice; general knowledge and Iowa-specific portions within one licensing examination
Exam questions
80 scored questions (50 general knowledge, 30 Iowa specific) plus 10 pretest questions (5 in each portion)
Time limit
2 hours
Exam fee
$44
Examination outline
  • General knowledge — I. TYPES OF POLICIES (16 scoreable questions)
    • A. Disability income
    • A.1. Individual disability income policy
    • A.2. Business overhead expense policy
    • A.3. Business disability buyout policy
    • A.4. Group disability income policy
    • A.5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C.1. Basic hospital, medical, and surgical policies
    • C.2. Major medical policies
    • C.3. Health Maintenance Organizations (HMOs)
    • C.4. Preferred Provider Organizations (PPOs)
    • C.5. Point of Service (POS) plans
    • C.6. Flexible Spending Accounts (FSAs)
    • C.7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C.8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E.1. Differences between individual and group contracts
    • E.2. General characteristics
    • E.3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F.1. Eligibility
    • F.2. Levels of care
    • G. Other policies
    • G.1. Dental
    • G.2. Vision
    • G.3. Cancer
    • G.4. Critical illness or specified disease
    • G.5. Worksite (employer-sponsored)
    • G.6. Hospital indemnity
    • G.7. Short-term medical
    • G.8. Accident
  • General knowledge — II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 scoreable questions)
    • A. Mandatory and Optional provisions
    • A.1. Entire contract
    • A.2. Time limit on certain defenses (incontestable)
    • A.3. Grace period
    • A.4. Reinstatement
    • A.5. Notice of claim
    • A.6. Claim forms
    • A.7. Proof of loss
    • A.8. Time of payment of claims
    • A.9. Payment of claims
    • A.10. Physical examination and autopsy
    • A.11. Legal actions
    • A.12. Change of beneficiary
    • A.13. Misstatement of age or gender
    • A.14. Change of occupation
    • A.15. Illegal occupation
    • A.16. Relation of earning to insurance
    • B. Other provisions and clauses
    • B.1. Insuring clause
    • B.2. Free look
    • B.3. Consideration clause
    • B.4. Probationary period
    • B.5. Elimination period
    • B.6. Waiver of premium
    • B.7. Exclusions and limitations
    • B.8. Preexisting conditions
    • B.9. Coinsurance
    • B.10. Deductibles
    • B.11. Eligible expenses
    • B.12. Copayments
    • B.13. Pre-authorizations and prior approval requirements
    • B.14. Usual, reasonable, and customary (URC) charges
    • B.15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C.1. Impairment/exclusions
    • C.2. Guaranteed insurability
    • C.3. Future increase option
    • D. Rights of renewability
    • D.1. Noncancelable
    • D.2. Cancelable
    • D.3. Guaranteed renewable
  • General knowledge — III. SOCIAL INSURANCE (6 scoreable questions)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General knowledge — IV. OTHER INSURANCE CONCEPTS (5 scoreable questions)
    • 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
    • K. Subrogation
  • General knowledge — V. FIELD UNDERWRITING PROCEDURES (8 scoreable questions)
    • 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.1. Elements of a contract
    • H.2. Insurable interest
    • H.3. Warranties and representations
    • H.4. Unique aspects of the insurance contract
    • H.4.a. Conditional
    • H.4.b. Unilateral
    • H.4.c. Adhesion
    • H.4.d. Aleatory
  • Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (15 scoreable questions)
    • A. Insurance Commissioner/Division
    • A.1. Broad powers and duties
    • A.2. Examination of records
    • A.3. Hearings
    • A.4. Penalties
    • A.5. Cease and desist
    • B. Licensing
    • B.1. Applications
    • B.2. Change of address
    • B.3. Licensing examinations
    • B.4. Resident/nonresident
    • B.5. Temporary license
    • B.6. Exemptions
    • B.7. Denial, renewal, termination of licenses
    • B.8. Commissions and referral fees
    • B.9. Company appointments
    • B.10. Continuing education
    • C. Unfair and Deceptive Practices
    • C.1. Unfair discrimination
    • C.2. Misrepresentation
    • C.3. Rebating
    • C.4. False information and advertising
    • C.5. Claims settlement
    • C.6. Defamation
    • C.7. Boycott, coercion and intimidation
    • D. Iowa Insurance Fraud Act
    • E. Producer Responsibilities
    • E.1. Prohibited Acts
    • E.2. Use of credit information — published marker ** applies to Property/Casualty associated exams only
    • F. Guaranty Association
    • G. Definitions
    • G.1. Domestic, foreign, alien
    • G.2. Fraternal benefit society — published marker * applies to Life/Health only
    • G.3. Certificate of Authority
    • H. Surplus — published marker ** applies to Property/Casualty associated exams only
    • I. Insurance Notices and Documents - Electronic Delivery
  • Iowa specific — II. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY (15 scoreable questions)
    • A. Individual Health insurance
    • A.1. Eligibility
    • A.2. Required provisions
    • A.3. Renewability
    • A.4. Mandatory coverages
    • A.4.1. Diabetes
    • A.4.2. Mammography
    • A.4.3. Coverage for newborns
    • A.4.4. Adopted children
    • A.4.5. Complications of pregnancy
    • A.5. Preexisting conditions
    • A.6. Claims
    • A.7. Credit disability
    • B. Group Health insurance
    • B.1. Eligibility
    • B.2. Required provisions
    • B.3. Claims
    • B.4. Mandatory coverages
    • B.4.1. Diabetes
    • B.4.2. Mammography
    • B.4.3. Coverage for newborns
    • B.4.4. Adopted children
    • B.4.5. Complications of pregnancy
    • C. Medicare supplement insurance
    • C.1. Purpose
    • C.2. Required provisions
    • C.3. Preexisting conditions
    • C.4. Exclusions
    • C.5. Replacement
    • C.6. Cancellation
    • D. Long Term Care insurance
    • D.1. Marketing and training
    • D.2. Policy provisions
    • D.3. Types of care
    • D.3.1. Home Health Care
    • D.3.2. Nursing Home
    • D.3.3. Assisted living
    • D.4. Iowa Long-Term Care partnership program
    • E. Special Programs
    • E.1. Healthy and Well Kids in Iowa Program (HAWK-I)
    • E.2. HIPIOWA
    • F. Affordable Care Act
    • F.1. Exchanges/Marketplace (ACA Section 1321)
    • F.2. Taxes, penalties, and subsidies (ACA Section 1401, 1402)
    • F.3. Essential health benefits (ACA Section 1302)
    • F.3.a. Mental health parity
    • F.3.b. Pediatric services
    • F.3.c. Preventive services
    • F.4. Employer notification responsibilities (ACA Section 1511-1515)
    • G. No Surprises Act — Title I of Division BB of the CAA, 2021, Title XXVII of PHS Act Part E
Examination sources