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Alaska Life Insurance — Requirements & Free Practice

US-AK · 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.

Temporary Insurance Producer — Life (Child-Support Delinquency)

150-day, nonextendable temporary license for an otherwise-eligible applicant on the list; only one may be issued during a regular license term.

Licensing authority: Alaska Division of Insurance · Application information

Issuance or renewal of full term life license after child support release
No examination is required for this applicant pathway.
Qualification
No new examination slot is established by AS 25.27.244(d); underlying license qualifications remain applicable.
Release
Licensing authority receives the agency release establishing the statutory compliance condition.
Temporary License
Otherwise-qualified holder of the 150-day temporary license.

Official no-examination sources

Effective from 2026-09-22.

150 day temporary issuance to an otherwise qualified exam exempt applicant
No examination is required for this applicant pathway.
Delinquency
Name is on the child-support delinquency list; otherwise eligible for issuance or renewal.
Duration
150 days, nonextendable; a full-term license requires the statutory agency release.
Qualification
Existing qualified licensee renewing, reciprocal nonresident, recent Alaska licensee, or timely resident transfer who meets the statutory examination exemption.

Official no-examination sources

Effective from 2026-09-22.

150 day temporary issuance to an otherwise qualified first time resident
Life Producer
Application
Submit the prescribed application and fees; statements must be true, correct, and complete. An incomplete application is withdrawn after 120 days of inaction (AS 21.27.040).
Competence
Trustworthy, competent, qualified, not principally writing controlled business, and without a disqualifying act (AS 21.27.020 and .530).
Delinquency
Applicant is on the child-support agency delinquency list and is otherwise eligible for the life producer license.
Duration
150 days, nonextendable, only one per regular license term; full-term issuance requires agency release.
Minimum Age
At least 18 years old (AS 21.27.020(b)(1)).
Resident Fingerprints
A resident applicant supplies a full set of fingerprints and required criminal-history fees (AS 21.27.040(e)).
Score Currency
An unlicensed initial applicant must complete licensing within one year of the examination; otherwise retake it (3 AAC 23.070).
Supplemental Oral Assessment
AS 21.27.080(a) permits a discretionary oral supplement; it names no independently identifiable examination, so this permission is an applicant condition.

Firm Insurance Producer — Life

Business entity insurance producer with life authority, individually licensed employees, and a designated compliance officer for the line.

Licensing authority: Alaska Division of Insurance · Application information

Nonresident firm reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the home-state or uniform application, required fees, and the director appointment for service of process.
Business
Maintain a lawful place of business in Alaska unless nonresident; demonstrate trustworthiness and no principally controlled business.
Compliance Officer
Designate a licensed compliance officer for the life line, not more than one per line; notify changes within 30 days.
Discretionary Fingerprints
The director may require fingerprints and premium fiduciary account compliance under AS 21.27.270(c).
Employees
Every producer employee must be individually licensed and have an employment contract with the firm.
Home State License
Currently licensed and in good standing for equivalent authority in the home state.
Reciprocity
Home state grants equivalent nonresident licenses to Alaska residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Firm reinstatement before two years of expiration
Life Producer
Application
Provide the business-entity application, required fees, and information needed to verify it.
Business
Maintain a lawful place of business in Alaska unless nonresident; demonstrate trustworthiness and no principally controlled business.
Compliance Officer
Designate a licensed compliance officer for the life line, not more than one per line; notify changes within 30 days.
Compliance Officer Exam
The designated life compliance officer must meet the current examination qualification unless the applicable recent-license or transfer exception applies.
Employees
Every producer employee must be individually licensed and have an employment contract with the firm.
Expiration
Continue to qualify and pay renewal fees and delayed-renewal penalty; do not transact while expired.
Firm biennial renewal
No examination is required for this applicant pathway.
Application
Provide the business-entity application, required fees, and information needed to verify it.
Business
Maintain a lawful place of business in Alaska unless nonresident; demonstrate trustworthiness and no principally controlled business.
Compliance Officer
Designate a licensed compliance officer for the life line, not more than one per line; notify changes within 30 days.
Director Reexamination
AS 21.27.060(b) permits the director to require a competence or insurance-law examination after a violation or qualification concern. It does not identify a specific examination; this unspecified discretionary slot is an applicant condition.
Employees
Every producer employee must be individually licensed and have an employment contract with the firm.
Renewal
Continue to qualify, file the renewal signed by the compliance officer, and pay fees by the biennial initial-license anniversary; nonresident firms maintain home-state good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident firm issuance with a new compliance officer
Life Producer
Application
Provide the business-entity application, required fees, and information needed to verify it.
Business
Maintain a lawful place of business in Alaska unless nonresident; demonstrate trustworthiness and no principally controlled business.
Compliance Officer
Designate a licensed compliance officer for the life line, not more than one per line; notify changes within 30 days.
Employees
Every producer employee must be individually licensed and have an employment contract with the firm.
Resident firm issuance with an exam exempt compliance officer
No examination is required for this applicant pathway.
Application
Provide the business-entity application, required fees, and information needed to verify it.
Business
Maintain a lawful place of business in Alaska unless nonresident; demonstrate trustworthiness and no principally controlled business.
Compliance Officer
Designate a licensed compliance officer for the life line, not more than one per line; notify changes within 30 days.
Employees
Every producer employee must be individually licensed and have an employment contract with the firm.
Exemption
The compliance officer has been licensed in good standing in Alaska with substantially similar qualifications at some time during the preceding one year, or meets the verified prior-home-state transfer exemption.

Official no-examination sources

Effective from 2026-09-22.

nonresident limited lines producer license

Grants the same scope of authority as the limited lines producer license issued by the producer's home state.

Licensing authority: Division of Insurance · Application information

Nonresident limited life related authority issuance
No examination is required for this applicant pathway.
Application
Submit reciprocal license application, fees, and appointment for service of process.
Authority
Alaska grants the same scope as the home-state limited license.
Home State
Currently licensed and in good standing for the relevant restricted life-related authority in the home state.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited authority reinstatement before two years
No examination is required for this applicant pathway.
Qualification
Continue to qualify for reciprocal limited authority and pay renewal fees and delayed-renewal penalty; a license expired two years or longer cannot be renewed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited authority renewal
No examination is required for this applicant pathway.
Qualification
Continue to qualify and hold the home-state limited license in good standing; submit renewal and fees before expiration.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer

Temporary licensing for qualifying applicants without experience, training, or an examination, generally limited to 90 days with one additional 90-day renewal or reissuance.

Licensing authority: Division of Insurance · Application information

Temporary issuance — deceased firm officer
No examination is required for this applicant pathway.
Applicant Category
Surviving member, officer, or employee of a producer firm after the death of its compliance officer who held the same licenses as the firm.
Appointment
No new insurer appointment beyond the insurer appointments existing at death or commencement of disability.
Duration
No more than 90 consecutive days, with at most one additional 90-day renewal or reissuance.
Qualification
Meet all permanent-license qualifications except experience, training, or taking an examination.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — deceased individual
No examination is required for this applicant pathway.
Applicant Category
Surviving spouse, next of kin, administrator, or executor of a deceased licensed producer.
Appointment
No new insurer appointment beyond the insurer appointments existing at death or commencement of disability.
Duration
No more than 90 consecutive days, with at most one additional 90-day renewal or reissuance.
Qualification
Meet all permanent-license qualifications except experience, training, or taking an examination.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — disabled individual
No examination is required for this applicant pathway.
Applicant Category
Spouse, next of kin, employee, or legal guardian of a producer disabled by sickness, mental illness, or injury.
Appointment
No new insurer appointment beyond the insurer appointments existing at death or commencement of disability.
Duration
No more than 90 consecutive days, with at most one additional 90-day renewal or reissuance.
Qualification
Meet all permanent-license qualifications except experience, training, or taking an examination.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — military designee
No examination is required for this applicant pathway.
Applicant Category
Designee of a producer entering active United States armed-forces service; insurance relates only to the insurers the producer represented.
Appointment
No new insurer appointment beyond the insurer appointments existing at death or commencement of disability.
Duration
No more than 90 consecutive days, with at most one additional 90-day renewal or reissuance.
Qualification
Meet all permanent-license qualifications except experience, training, or taking an examination.

Official no-examination sources

Effective from 2026-09-22.

Single additional temporary license renewal or reissuance
No examination is required for this applicant pathway.
Duration
Only one additional period of no more than 90 days; remain within the qualifying temporary circumstances and existing appointments.
Education
Temporary renewal is excepted by 3 AAC 23.100(a)(1).

Official no-examination sources

Effective from 2026-09-22.

Life Producer

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
90 scored plus 15 pretest questions: general knowledge 50 scored plus 5 pretest, Alaska code 40 scored plus 10 pretest (March 2025 outline). The September 2023 handbook still lists 110 total questions.
Passing score
70 scaled score; each part must be passed
Examination outline
  • General Knowledge — I. TYPES OF POLICIES (15 scored questions)
    • Traditional whole life products
    • Traditional whole life products > Ordinary whole life
    • Traditional whole life products > Limited-pay and single-premium life
    • Interest/market-sensitive/adjustable life products
    • Interest/market-sensitive/adjustable life products > Universal life
    • Interest/market-sensitive/adjustable life products > Variable whole life
    • Interest/market-sensitive/adjustable life products > Variable universal life
    • Interest/market-sensitive/adjustable life products > Interest-sensitive whole life
    • Interest/market-sensitive/adjustable life products > Indexed life
    • Term life
    • Term life > Types
    • Term life > Types > Level
    • Term life > Types > Decreasing
    • Term life > Types > Return of premium
    • Term life > Types > Annually renewable
    • Term life > Special features
    • Term life > Special features > Renewable
    • Term life > Special features > Convertible
    • Annuities
    • Annuities > Single and flexible premium
    • Annuities > Immediate and deferred
    • Annuities > Fixed and variable
    • Annuities > Indexed
    • Annuities > Accumulation and Annuity Periods
    • Annuities > Payout options
    • Combination plans and variations
    • Combination plans and variations > Joint life (first to die)
    • Combination plans and variations > Survivorship life (second to die)
  • General Knowledge — II. LIFE PROVISIONS, RIDERS, OPTIONS, AND EXCLUSIONS (15 scored questions)
    • Policy riders
    • Policy riders > Waiver of premium and waiver of monthly deduction
    • Policy riders > Guaranteed insurability
    • Policy riders > Payor benefit
    • Policy riders > Accidental death and/or accidental death and dismemberment
    • Policy riders > Term riders
    • Policy riders > Other insureds
    • Policy riders > Long term care
    • Policy riders > Return of premium
    • Policy riders > Disability
    • Policy riders > Cost of Living
    • Policy provisions and options
    • Policy provisions and options > Entire contract
    • Policy provisions and options > Insuring clause
    • Policy provisions and options > Free look
    • Policy provisions and options > Consideration
    • Policy provisions and options > Owner’s rights
    • Policy provisions and options > Beneficiary designations
    • Policy provisions and options > Beneficiary designations > Primary and contingent
    • Policy provisions and options > Beneficiary designations > Revocable and irrevocable
    • Policy provisions and options > Beneficiary designations > Common disaster
    • Policy provisions and options > Beneficiary designations > Minor beneficiaries
    • Policy provisions and options > Beneficiary designations > Designation by class
    • Policy provisions and options > Premium Payment
    • Policy provisions and options > Premium Payment > Modes
    • Policy provisions and options > Premium Payment > Grace period
    • Policy provisions and options > Premium Payment > Automatic premium loan
    • Policy provisions and options > Premium Payment > Level or flexible
    • Policy provisions and options > Reinstatement
    • Policy provisions and options > Policy loans, withdrawals, partial surrenders
    • Policy provisions and options > Non-forfeiture options
    • Policy provisions and options > Dividends and dividend options (eg. participating, non- participating)
    • Policy provisions and options > Incontestability
    • Policy provisions and options > Assignments
    • Policy provisions and options > Suicide
    • Policy provisions and options > Misstatement of age and gender
    • Policy provisions and options > Settlement options
    • Policy provisions and options > Accelerated death benefits
    • Policy exclusions
    • Policy exclusions > War
    • Policy exclusions > Aviation
    • Policy exclusions > Dangerous Occupation
  • General Knowledge — III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES (12 scored questions)
    • Completing the application
    • Completing the application > Required signatures
    • Completing the application > Changes in the application
    • Completing the application > Consequences of incomplete applications
    • Completing the application > Warranties and representations
    • Completing the application > Collecting the initial premium and issuing the receipt
    • Completing the application > Replacement
    • Completing the application > Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • Completing the application > USA PATRIOT Act/anti-money laundering
    • Completing the application > Gramm-Leach-Bliley Act (GLBA) Privacy
    • Underwriting
    • Underwriting > Insurable interest
    • Underwriting > Medical information and consumer reports
    • Underwriting > Fair Credit Reporting Act
    • Underwriting > Risk classification
    • Underwriting > Stranger/Investor-owned life insurance (STOLI/IOLI)
    • Delivering the policy
    • Delivering the policy > When coverage begins
    • Delivering the policy > Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • Contract law
    • Contract law > Elements of a contract
    • Contract law > Elements of a contract > Consideration
    • Contract law > Elements of a contract > Offer and Acceptance
    • Contract law > Elements of a contract > Competent parties
    • Contract law > Elements of a contract > Legal purpose
    • Contract law > Unique aspects of the insurance contract
    • Contract law > Unique aspects of the insurance contract > Conditional
    • Contract law > Unique aspects of the insurance contract > Unilateral
    • Contract law > Unique aspects of the insurance contract > Adhesion
    • Contract law > Unique aspects of the insurance contract > Aleatory
  • General Knowledge — IV. RETIREMENT AND OTHER INSURANCE CONCEPTS (8 scored questions)
    • Third-party ownership
    • Life Settlements
    • Group life insurance
    • Group life insurance > Conversion privilege
    • Group life insurance > Contributory vs. noncontributory
    • Retirement plans
    • Retirement plans > Qualified plans
    • Retirement plans > Nonqualified plans
    • Life insurance needs analysis/suitability
    • Life insurance needs analysis/suitability > Personal insurance needs
    • Life insurance needs analysis/suitability > Business insurance needs
    • Life insurance needs analysis/suitability > Business insurance needs > Key person
    • Life insurance needs analysis/suitability > Business insurance needs > Buy sell
    • Social Security benefits
    • Tax treatment of insurance premiums, proceeds, and dividends
    • Tax treatment of insurance premiums, proceeds, and dividends > Individual life
    • Tax treatment of insurance premiums, proceeds, and dividends > Group life
    • Tax treatment of insurance premiums, proceeds, and dividends > Modified Endowment Contracts (MECs)
  • Alaska Specific Life — I. ALASKA LAWS, RULES AND REGULATIONS COMMON TO LIFE, HEALTH (ACCIDENT AND HEALTH), PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE (30 scored questions)
    • Director of Insurance
    • Director of Insurance > Broad powers
    • Director of Insurance > Adoption of regulations
    • Director of Insurance > Examination of records
    • Director of Insurance > Notice and hearing
    • Director of Insurance > Penalties
    • Definitions
    • Definitions > Admitted (authorized) and nonadmitted companies
    • Definitions > Domestic, foreign, and alien
    • Definitions > Stock and mutual
    • Definitions > Premiums
    • Definitions > Transacting insurance
    • Definitions > Certificate of Authority
    • Definitions > Fraternal benefit societies
    • Licensing
    • Licensing > License required
    • Licensing > License required > Insurance producer
    • Licensing > License required > Firm licenses
    • Licensing > License required > Compliance Officer (Designated Responsible Producer)
    • Licensing > License required > Resident
    • Licensing > License required > Nonresident licensees
    • Licensing > License required > Exceptions
    • Licensing > License required > Producer appointments
    • Licensing > Maintenance of license
    • Licensing > Maintenance of license > Renewal
    • Licensing > Maintenance of license > Denial, Nonrenewal, Suspension or Revocation
    • Licensing > Maintenance of license > Continuing education
    • Marketing Practices
    • Marketing Practices > Unfair practices
    • Marketing Practices > Unfair practices > Unfair claims methods and practices
    • Marketing Practices > Unfair practices > Rebating
    • Marketing Practices > Unfair practices > Twisting
    • Marketing Practices > Unfair practices > Misrepresentation
    • Marketing Practices > Unfair practices > Defamation
    • Marketing Practices > Unfair practices > Unfair discrimination
    • Marketing Practices > Unfair practices > Boycott, coercion, and intimidation
    • Marketing Practices > Fiduciary responsibilities
    • Marketing Practices > Compensation of licensees
    • Marketing Practices > Required records and record retention
    • Marketing Practices > Advertising
    • Marketing Practices > Controlled business
    • Marketing Practices > Duty to report fraudulent claims/Immunity from reporting fraudulent claims
    • Marketing Practices > Alaska Insurance Guaranty Association
  • Alaska Specific Life — II. ALASKA LAWS, RULES AND REGULATIONS PERTINENT TO LIFE INSURANCE ONLY (10 scored questions)
    • Policy requirements
    • Individual life and annuities
    • Individual life and annuities > Standard provisions
    • Individual life and annuities > Policy loans
    • Individual life and annuities > Standard nonforfeiture law
    • Individual life and annuities > Life Insurance Policy and Annuity Replacement Contract
    • Group Life
    • Group Life > Eligible groups
    • Group Life > Standard provisions
    • Annuity Suitability
Examination sources