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South Dakota Health Insurance — License Examination Requirements

US-SD · 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

Business entity producer license for accident and health or sickness; individual representatives must independently hold their own producer licenses.

Licensing authority: South Dakota Division of Insurance · Application information

Business entity initial licensure
No examination is required for this applicant pathway.
Application fees
Submit director-prescribed application and required fees.
Designated producer
Designate a licensed individual responsible for compliance; representatives need independent licenses and insurer appointments. Individual examinations are not business-entity examination leaves.
Entity
Corporation, association, partnership, LLC, LLP or other legal entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit proper request, prescribed application and fees.
Designated producer
Maintain a designated licensed individual responsible for compliance.
Home license
Business entity holds an equivalent resident producer license in good standing in its home state.
Reciprocity
Home state must offer nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement after lapse
No examination is required for this applicant pathway.
Deadline penalty
Reinstate within twelve months on the same terms as an individual, including double the unpaid renewal fee.
Lapse
Failure to timely file renewal lapses the entity license.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Deadline
File biennial renewal on or before July 1, or within a director-granted good-cause extension.
Form
Use the prescribed renewal application and designate an individual licensed producer responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Credit Insurance Producer License

Limited credit insurance authority includes credit disability and mortgage disability insurance; it is not full accident and health or sickness authority.

Licensing authority: South Dakota Division of Insurance · Application information

Business entity limited credit insurance issuance
No examination is required for this applicant pathway.
Entity
Submit entity application and fees.
Scope
Limited credit insurance only.
Training
Insurer must furnish an instruction program; insurer or entity trains each employee who sells, solicits or negotiates credit insurance; director may review the program.

Official no-examination sources

Effective from 2026-09-22.

Individual limited credit insurance issuance
No examination is required for this applicant pathway.
Application
Meet applicable producer application and fee requirements; exemption under SDCL 58-30-52(5).
Continuing education
Board expressly states no examination or CE is required.
Scope
Sell, solicit or negotiate exclusively limited credit insurance, including credit disability or mortgage disability.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit insurance licensure by reciprocity
No examination is required for this applicant pathway.
Application fees
Submit prescribed request, application and fees; retain applicable entity or limited-line qualification and training conditions.
Home license
Hold equivalent resident authority in good standing in the home state.
Limited scope
This route grants only the limited authority; it is not full accident and health or sickness authority.
Reciprocity
The home state grants South Dakota applicants nonresident authority on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance reinstatement
No examination is required for this applicant pathway.
Deadline
Within twelve months of the renewal due date; double the unpaid renewal fee; entity reinstatement follows individual terms.
Scope
Limited credit authority remains examination-exempt.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance renewal
No examination is required for this applicant pathway.
Renewal
Renew pursuant to SDCL 58-30-121 and applicable individual or entity deadlines and fees.
Scope
Maintain only the limited credit authority; no CE under the Board credit-insurance guidance.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Rental Car Insurance Producer License

Rental car company limited authority includes personal accident, accidental death or dismemberment, accident medical expenses and emergency sickness protection during a rental.

Licensing authority: South Dakota Division of Insurance · Application information

Rental car company limited lines licensure
No examination is required for this applicant pathway.
Applicant
Rental car company offers coverage incidental to rental.
Application
Signed written application lists all locations.
Endorsees
Submit and update endorsee lists and certifications under SDCL 58-30-202; train before sale under SDCL 58-30-203.
Insurer certificate
Insurer officer or managing agent certifies trustworthiness and competence, review of employee training, and intent to appoint the applicant.
Scope
Only the limited coverages authorized by SDCL 58-30-198; examination exemption under SDCL 58-30-52(5).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited rental car insurance licensure by reciprocity
No examination is required for this applicant pathway.
Application fees
Submit prescribed request, application and fees; retain applicable entity or limited-line qualification and training conditions.
Home license
Hold equivalent resident authority in good standing in the home state.
Limited scope
This route grants only the limited authority; it is not full accident and health or sickness authority.
Reciprocity
The home state grants South Dakota applicants nonresident authority on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Rental car company reinstatement
No examination is required for this applicant pathway.
Deadline penalty
Within twelve months, pay double renewal fee and fulfill entity reinstatement requirements.
Scope
Limited rental car insurance authority remains examination-exempt.

Official no-examination sources

Effective from 2026-09-22.

Rental car company license renewal
No examination is required for this applicant pathway.
Endorsees
Annual certification that only trained endorsees offer, sell or solicit; update names quarterly.
Renewal
Biennial entity renewal by July 1 with a responsible individual producer designation.
Scope
Limited rental car insurance authority.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Travel Insurance Producer License

Limited travel insurance authority includes sickness, accident, disability or death during travel. Registered travel retailers act under this license under SDCL 58-30-211, rather than obtaining a separate producer license.

Licensing authority: South Dakota Division of Insurance · Application information

Limited lines travel insurance entity issuance
No examination is required for this applicant pathway.
Applicant
Business entity files the prescribed application, pays fees, designates an employee who is a licensed individual responsible producer, maintains and updates a retailer register annually, and ensures required retailer training and disclosures.
Exemption
SDCL 58-30-211(6) exempts the limited lines travel producer and those registered under its license from examination and CE.
Scope
Coverage incidental to travel, including sickness, accident, disability or death; comprehensive major medical for trips, residence or deployments of six months or longer is excluded from the statutory travel definition.

Official no-examination sources

Effective from 2026-09-22.

Limited lines travel insurance individual issuance
No examination is required for this applicant pathway.
Applicant
Individual applicant files the director-prescribed application and applicable fees.
Exemption
SDCL 58-30-211(6) exempts the limited lines travel producer and those registered under its license from examination and CE.
Scope
Coverage incidental to travel, including sickness, accident, disability or death; comprehensive major medical for trips, residence or deployments of six months or longer is excluded from the statutory travel definition.

Official no-examination sources

Effective from 2026-09-22.

Limited travel accident issuance for a motor service club agent
No examination is required for this applicant pathway.
Application
Meet applicable limited producer application and fee requirements.
Employment scope
Travel accident agent of a motor service club under SDCL 58-30-52(7); authority remains limited to the permitted travel products.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited travel insurance licensure by reciprocity
No examination is required for this applicant pathway.
Application fees
Submit prescribed request, application and fees; retain applicable entity or limited-line qualification and training conditions.
Home license
Hold equivalent resident authority in good standing in the home state.
Limited scope
This route grants only the limited authority; it is not full accident and health or sickness authority.
Reciprocity
The home state grants South Dakota applicants nonresident authority on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Limited travel insurance reinstatement
No examination is required for this applicant pathway.
Deadline penalty
Within twelve months, pay double the unpaid renewal fee; business entities follow the individual reinstatement terms.
Exemption
Limited travel examination and CE exemptions continue.

Official no-examination sources

Effective from 2026-09-22.

Limited travel insurance renewal
No examination is required for this applicant pathway.
Entity obligations
Entity renewals identify a responsible licensed producer; maintain retailer register and training.
Exemption
No examination or CE for the limited travel producer under SDCL 58-30-211(6).
Fees deadlines
Maintain prescribed individual or entity renewal procedures and fees.

Official no-examination sources

Effective from 2026-09-22.

Rental Car Insurance Endorsee Authorization

Employee or agent authorization under the rental car producer license, including its limited accident and sickness products; authority expires when employment ends.

Licensing authority: South Dakota Division of Insurance · Application information

Authorization of a rental car company employee or agent
No examination is required for this applicant pathway.
Age
At least eighteen.
Duration
Ends upon employment termination; no independent producer exam is imposed by the exhaustive endorsee conditions in SDCL 58-30-202.
Fitness
Has not committed a disqualifying act under Chapter 58-30.
Roster
Company submits and updates the endorsee list quarterly and certifications initially and annually; authorization begins when statutory conditions are met.
Training
Complete the statutory training and education program before selling.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary servicing authority, including an existing accident and health or sickness insurance business, for no more than 180 days.

Licensing authority: South Dakota Division of Insurance · Application information

Temporary issuance to a licensed entity member or employee
No examination is required for this applicant pathway.
Duration
No more than 180 days; director must determine temporary servicing authority is necessary.
Eligibility
Member or employee of a licensed producer business entity after death or disability of its designated individual.
End
Does not continue after disposition of the business.
Supervision limits
Director may limit authority, require supervision by a responsible licensed producer or insurer, or revoke to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance to a military service designee
No examination is required for this applicant pathway.
Duration
No more than 180 days; director must determine temporary servicing authority is necessary.
Eligibility
Designee of a licensed producer entering active service in the United States armed forces.
End
Does not continue after disposition of the business.
Supervision limits
Director may limit authority, require supervision by a responsible licensed producer or insurer, or revoke to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance in another public interest circumstance
No examination is required for this applicant pathway.
Duration
No more than 180 days; director must determine temporary servicing authority is necessary.
Eligibility
Director determines another circumstance is best served by a temporary license.
End
Does not continue after disposition of the business.
Supervision limits
Director may limit authority, require supervision by a responsible licensed producer or insurer, or revoke to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance to a surviving spouse or personal representative
No examination is required for this applicant pathway.
Duration
No more than 180 days; director must determine temporary servicing authority is necessary.
Eligibility
Surviving spouse or court-appointed representative of a producer who dies or becomes mentally or physically disabled; service pending sale, recovery or new personnel licensing.
End
Does not continue after disposition of the business.
Supervision limits
Director may limit authority, require supervision by a responsible licensed producer or insurer, or revoke to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.