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Minnesota Health Insurance — License Examination Requirements

US-MN · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Insurance Producer License

Insurance agency whose affiliated individual producers hold health authority; agency licensing does not confer an individual producer license.

Licensing authority: Minnesota Department of Commerce · Application information

Nonresident agency initial licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application through Sircon and pay the required fees.
Appointments
Commerce states agencies are not required to be appointed by insurance companies.
Nonresident Eligibility
The business entity meets the home resident license, good standing, application, fees and reciprocity conditions of 60K.39 subdivision 1.
Organization Documents
Commerce requires resident corporations’ filed articles of incorporation, partnerships’ signed partnership agreement, and LLCs or other entities’ organization documents. A foreign corporation doing business with Minnesota resident producers supplies its Minnesota foreign-corporation certificate.
Responsible Producer
Designate at least one Minnesota licensed individual producer responsible for compliance. Health authority is carried by affiliated individually licensed producers; the agency license does not license its officers or employees individually.

Official no-examination sources

Effective from 2026-09-22.

Agency reapplication after lapse
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application through Sircon and pay the required fees.
Appointments
Commerce states agencies are not required to be appointed by insurance companies.
Lapsed License
A lapsed business-entity license cannot use individual reinstatement; submit a new agency application.
Organization Documents
Commerce requires resident corporations’ filed articles of incorporation, partnerships’ signed partnership agreement, and LLCs or other entities’ organization documents. A foreign corporation doing business with Minnesota resident producers supplies its Minnesota foreign-corporation certificate.
Responsible Producer
Designate at least one Minnesota licensed individual producer responsible for compliance. Health authority is carried by affiliated individually licensed producers; the agency license does not license its officers or employees individually.

Official no-examination sources

Effective from 2026-09-22.

Agency new application following revocation
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application through Sircon and pay the required fees.
Appointments
Commerce states agencies are not required to be appointed by insurance companies.
Organization Documents
Commerce requires resident corporations’ filed articles of incorporation, partnerships’ signed partnership agreement, and LLCs or other entities’ organization documents. A foreign corporation doing business with Minnesota resident producers supplies its Minnesota foreign-corporation certificate.
Responsible Producer
Designate at least one Minnesota licensed individual producer responsible for compliance. Health authority is carried by affiliated individually licensed producers; the agency license does not license its officers or employees individually.
Revocation
Wait at least two years after revocation and provide the performance bond of at least $20,000 or any greater required amount; the commissioner decides the new application under 60K.43 subdivision 6. A qualifying nonresident entity also satisfies 60K.39.

Official no-examination sources

Effective from 2026-09-22.

Agency license renewal
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application through Sircon and pay the required fees.
Appointments
Commerce states agencies are not required to be appointed by insurance companies.
Organization Documents
Commerce requires resident corporations’ filed articles of incorporation, partnerships’ signed partnership agreement, and LLCs or other entities’ organization documents. A foreign corporation doing business with Minnesota resident producers supplies its Minnesota foreign-corporation certificate.
Renewal
Submit renewal, fees and any required documentation by the assigned expiration; 60K.38 subdivision 2 applies CE only to resident individual producers.
Responsible Producer
Designate at least one Minnesota licensed individual producer responsible for compliance. Health authority is carried by affiliated individually licensed producers; the agency license does not license its officers or employees individually.

Official no-examination sources

Effective from 2026-09-22.

Resident agency initial licensure
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application through Sircon and pay the required fees.
Appointments
Commerce states agencies are not required to be appointed by insurance companies.
Organization Documents
Commerce requires resident corporations’ filed articles of incorporation, partnerships’ signed partnership agreement, and LLCs or other entities’ organization documents. A foreign corporation doing business with Minnesota resident producers supplies its Minnesota foreign-corporation certificate.
Responsible Producer
Designate at least one Minnesota licensed individual producer responsible for compliance. Health authority is carried by affiliated individually licensed producers; the agency license does not license its officers or employees individually.

Official no-examination sources

Effective from 2026-09-22.

Individual Proprietorship Agency

Agency form for an individual proprietor affiliated with a licensed health producer; perpetual agency license tied to the individual producer license.

Licensing authority: Minnesota Department of Commerce · Application information

Individual proprietorship agency initial licensure
No examination is required for this applicant pathway.
Agency Name
Use the proprietor’s name in the agency name; if it omits the proprietor’s first and last names, supply the Secretary of State’s filed Certificate of Assumed Name.
Application
Complete the Agency application through Sircon and associate at least one Minnesota designated responsible licensed producer.
Health Authority
The agency’s authority follows its affiliated individual producers, including their health authority. The individual’s licensing examinations belong to that individual’s producer route, not this agency route.
License Duration
The agency license is perpetual until the individual producer license goes inactive; insurer appointment is not required for the agency.

Official no-examination sources

Effective from 2026-09-22.

Individual proprietorship agency new application following revocation
No examination is required for this applicant pathway.
Agency Requirements
Submit the agency application with a Minnesota responsible licensed producer and the applicable legal-name or assumed-name documentation.
Revocation
Wait at least two years and supply the 60K.43 subdivision 6 performance bond before a new application; commissioner approval remains discretionary.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer License

Only the nonresident limited authority that restricts accident and health or sickness coverage to less than the associated health major line is within this credential record. Other limited major-line authorities are outside this family.

Licensing authority: Minnesota Department of Commerce · Application information

Nonresident limited health authority by reciprocity
No examination is required for this applicant pathway.
Eligibility
Meet 60K.39 subdivision 1 resident home-license, good-standing, application, fee and reciprocity requirements. Home-jurisdiction licensure is an applicant condition.
Scope
Only an applicant whose home limited authority is a subset of accident and health or sickness coverage is represented here. The granted Minnesota scope is the same as the home license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited health authority reapplication after lapse
No examination is required for this applicant pathway.
Eligibility
Reapply after expiration exceeding one year and meet the same home-licensed limited-health reciprocity requirements; examination requirements remain waived for qualifying nonresidents.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited health authority reinstatement within 12 months
No examination is required for this applicant pathway.
Eligibility
For an individual limited health producer, apply within 12 months of the renewal fee due date, pay the statutory penalty and maintain qualifying resident home authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited health authority new application following revocation
No examination is required for this applicant pathway.
Eligibility
Meet limited-health nonresident reciprocity requirements after the minimum two-year revocation bar and supply the performance bond required by 60K.43 subdivision 6; the commissioner decides the new application.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited health authority renewal
No examination is required for this applicant pathway.
Renewal
Pay renewal fees, provide required documentation and satisfy applicable reciprocal home-jurisdiction CE requirements.
Scope
Maintain the same limited health authority and active resident home license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Insurance Producer — Accident and Health or Sickness

Individual nonresident producer authorized for the health line held in the home state.

Licensing authority: Minnesota Department of Commerce · Application information

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Appointment
Licensure may precede appointment; satisfy 60K.49 to transact insurance for an insurer.
Home License
Hold an active resident health producer license in good standing in the home jurisdiction and provide the application or Uniform Application and fees under 60K.39 subdivision 1.
Reciprocity
The home jurisdiction must issue nonresident licenses to Minnesota residents on the same basis. 60K.53 subdivision 1 waives all other nonresident licensing requirements.
Termination
Under 60K.39 subdivision 4 the Minnesota nonresident license automatically terminates when the resident license terminates.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after expiration exceeding one year
No examination is required for this applicant pathway.
Appointment
Licensure may precede appointment; satisfy 60K.49 to transact insurance for an insurer.
Expiration
Commerce requires reapplication after more than one year of expiration; its retesting instruction is conditional on an exam being required for licensure. 60K.53 subdivision 1 waives examination requirements for qualifying reciprocal nonresident applicants.
Home License
Hold an active resident health producer license in good standing in the home jurisdiction and provide the application or Uniform Application and fees under 60K.39 subdivision 1.
Reciprocity
The home jurisdiction must issue nonresident licenses to Minnesota residents on the same basis. 60K.53 subdivision 1 waives all other nonresident licensing requirements.
Termination
Under 60K.39 subdivision 4 the Minnesota nonresident license automatically terminates when the resident license terminates.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within 12 months
No examination is required for this applicant pathway.
Appointment
Licensure may precede appointment; satisfy 60K.49 to transact insurance for an insurer.
Home License
Hold an active resident health producer license in good standing in the home jurisdiction and provide the application or Uniform Application and fees under 60K.39 subdivision 1.
Reciprocity
The home jurisdiction must issue nonresident licenses to Minnesota residents on the same basis. 60K.53 subdivision 1 waives all other nonresident licensing requirements.
Termination
Under 60K.39 subdivision 4 the Minnesota nonresident license automatically terminates when the resident license terminates.
Time Limit
Reinstate within 12 months of the renewal fee due date with the statutory penalty and applicable CE compliance; maintain a valid home resident license.

Official no-examination sources

Effective from 2026-09-22.

New nonresident application following revocation
No examination is required for this applicant pathway.
Appointment
Licensure may precede appointment; satisfy 60K.49 to transact insurance for an insurer.
Home License
Hold an active resident health producer license in good standing in the home jurisdiction and provide the application or Uniform Application and fees under 60K.39 subdivision 1.
Reciprocity
The home jurisdiction must issue nonresident licenses to Minnesota residents on the same basis. 60K.53 subdivision 1 waives all other nonresident licensing requirements.
Revocation
Wait at least two years after revocation and provide the performance bond of at least $20,000 or the larger commissioner-required amount under 60K.43 subdivision 6. The commissioner decides whether to grant the new application.
Termination
Under 60K.39 subdivision 4 the Minnesota nonresident license automatically terminates when the resident license terminates.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Appointment
Licensure may precede appointment; satisfy 60K.49 to transact insurance for an insurer.
Continuing Education
Home-jurisdiction CE satisfies Minnesota CE on a reciprocal basis under 60K.53 subdivision 2.
Home License
Hold an active resident health producer license in good standing in the home jurisdiction and provide the application or Uniform Application and fees under 60K.39 subdivision 1.
Reciprocity
The home jurisdiction must issue nonresident licenses to Minnesota residents on the same basis. 60K.53 subdivision 1 waives all other nonresident licensing requirements.
Renewal
Pay renewal fees and supply required documentation by the renewal date.
Termination
Under 60K.39 subdivision 4 the Minnesota nonresident license automatically terminates when the resident license terminates.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary producer authority servicing a health insurance business, subject to commissioner limitations and a maximum of 180 days.

Licensing authority: Minnesota Department of Commerce · Application information

Temporary licensure: business successor
No examination is required for this applicant pathway.
Application
Commerce’s pinned resident-producer page instructs agency-sponsored temporary resident applicants to upload a Certification of Compliance with the Sircon application.
Duration
The commissioner must consider temporary authority necessary to service the insurance business; maximum term 180 days.
Eligibility
Business-entity member or employee replacing a designated individual who dies or becomes disabled.
Limitations
The commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, impose protective conditions or revoke the license. It may not continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: military designee
No examination is required for this applicant pathway.
Application
Commerce’s pinned resident-producer page instructs agency-sponsored temporary resident applicants to upload a Certification of Compliance with the Sircon application.
Duration
The commissioner must consider temporary authority necessary to service the insurance business; maximum term 180 days.
Eligibility
Designee of a licensed producer entering active United States armed-forces service.
Limitations
The commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, impose protective conditions or revoke the license. It may not continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: public interest
No examination is required for this applicant pathway.
Application
Commerce’s pinned resident-producer page instructs agency-sponsored temporary resident applicants to upload a Certification of Compliance with the Sircon application.
Duration
The commissioner must consider temporary authority necessary to service the insurance business; maximum term 180 days.
Eligibility
Another circumstance in which the commissioner finds temporary licensure serves the public interest.
Limitations
The commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, impose protective conditions or revoke the license. It may not continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: survivor
No examination is required for this applicant pathway.
Application
Commerce’s pinned resident-producer page instructs agency-sponsored temporary resident applicants to upload a Certification of Compliance with the Sircon application.
Duration
The commissioner must consider temporary authority necessary to service the insurance business; maximum term 180 days.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who dies or becomes disabled; service the health insurance business while arranging sale, recovery, return or new personnel.
Limitations
The commissioner may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, impose protective conditions or revoke the license. It may not continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.