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Colorado Life Insurance — Requirements & Free Practice

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

colorado agency producer license

Business entity producer licence carrying Life authority; requires responsible and registered individual producers for the requested authority.

Licensing authority: Colorado Division of Insurance · Application information

Add Life authority to an existing agency producer licence
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Existing licence
An existing agency producer licence adds Life as another line of authority.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Qualification
Register a licensed individual for Life, submit the additional-line application, supporting evidence and fee; personnel meet their own examination requirements.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Agency Life producer licence continuation
No examination is required for this applicant pathway.
Application
Submit online continuation and fee by the expiration date; no grace period.
Cycle
Continue every two years; expiration is two years from the first day of the issuance month.
Existing licence
Hold a Colorado agency producer licence carrying Life authority.
Personnel
Maintain compliance with all producer-registration requirements.

Official no-examination sources

Effective from 2026-09-22.

Agency reapplication after revocation or disciplinary surrender
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Eligibility
The Division reviews entity character, personnel and current licensure qualifications; the waiting period alone does not ensure issuance.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.
Waiting period
Two years after revocation or disciplinary surrender and return of the agency producer licence before applying again.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency Life producer licensure
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Residency
Principal office outside Colorado; maintain a similar home-jurisdiction licence in good standing for the requested Life authority and meet C.R.S. 10-2-502.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Agency licence reapplication after one year
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Inactivity
More than one year has passed since expiration.
Licensed personnel
The entity does not itself sit the examination; the registered individuals must have current licences for the requested authority. Re-education and testing of individuals are their own licensing requirements.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Reinstatement
Use the electronic initial application and initial fee after failure to continue.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Agency licence reinstatement within one year
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Inactivity
Reinstate within one year after expiration.
Licensed personnel
The entity does not itself sit the examination; the registered individuals must have current licences for the requested authority. Re-education and testing of individuals are their own licensing requirements.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Reinstatement
Use the electronic initial application and initial fee after failure to continue.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Agency relocation and nonresident relicensing
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Notification
Within ten days notify the Commissioner and return the producer licence for cancellation.
Relicensure
Relicensing is governed by Part 5; maintain the home-jurisdiction licence in good standing for Life and the required Colorado licensed personnel.
Relocation
Move the agency principal address outside Colorado.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Resident agency Life producer licensure
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Residency
Principal office in Colorado.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Continue agency Variable Life and Variable Annuity Products authority
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life authority
Hold or obtain Life authority and register the individually licensed producer for the requested authority.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.
Transaction
Submit the applicable new-authority or continuation application and fee.
Variable personnel
Registered individuals satisfy their own variable-products and FINRA requirements; the agency is not an individual examination candidate.

Official no-examination sources

Effective from 2026-09-22.

Add Variable Life and Variable Annuity Products authority to an agency licence
No examination is required for this applicant pathway.
Application
An authorized representative submits the electronic application and fee; satisfy the character and business-reputation requirements.
Entity
Apply as a corporation, partnership, association or other business entity transacting Life insurance; a sole proprietor can instead register a trade name on the individual licence.
Life authority
Hold or obtain Life authority and register the individually licensed producer for the requested authority.
Life personnel
Register at least one licensed individual for Life and the individuals acting as licensed producers; disclose all officers, partners and directors.
Responsible producer
Designate a licensed Colorado producer who is an officer, partner or director and responsible for compliance.
Transaction
Submit the applicable new-authority or continuation application and fee.
Variable personnel
Registered individuals satisfy their own variable-products and FINRA requirements; the agency is not an individual examination candidate.

Official no-examination sources

Effective from 2026-09-22.

Colorado Producer License — Life

Individual producer licence carrying the Life line of authority; includes endowments and annuities. Additional authority and reinstatement are routes on this licence.

Licensing authority: Colorado Division of Insurance · Application information

Add Life authority to an existing producer licence
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Designation
The statutory CLU, ChFC and RHU exemptions leave only the Colorado-law portion of the Life examination.
Existing licence
Already hold a producer licence, adding Life as a new line of authority.
Qualification
Meet C.R.S. 10-2-404 for Life, submit supporting documents and fee, and complete approved Life prelicensing education and examination unless independently exempt.
Score window
Submit the application within one year after passing the Life examination.
Reapplication after revocation or disciplinary surrender
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Board review
Satisfy the Division's current character and eligibility review; the waiting period is not an assurance of issuance.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Previous authority
This route is for the same previously held Life authority; C.R.S. 10-2-403(1)(a) supplies the examination exemption.
Waiting period
Not eligible to apply for a new producer licence for two years after revocation or disciplinary surrender and return of the licence.

Official no-examination sources

Effective from 2026-09-22.

Restoration following continuing education suspension
No examination is required for this applicant pathway.
Compliance
Satisfactorily demonstrate to the Commissioner compliance with all education requirements and every other applicable licensing or statutory requirement.
Existing licence
An existing Life producer licence is suspended for continuing-education noncompliance.

Official no-examination sources

Effective from 2026-09-22.

Continuation or restoration with military, disability or hardship waiver
No examination is required for this applicant pathway.
Hardship
Failure to continue or renew is due to military service, long-term medical disability or another condition accepted by the Commissioner.
Previous authority
For an already-held Life authority, C.R.S. 10-2-403(1)(a) supplies the statutory examination exemption. The waiver procedure itself identifies no separate examination.
Waiver
Request a discretionary waiver of continuation/renewal procedures, any examination requirement, or applicable fine or sanction.

Official no-examination sources

Effective from 2026-09-22.

Change of residence while retaining nonresident Life authority
No examination is required for this applicant pathway.
Licence
An existing Colorado producer changes legal residence and establishes the new home-jurisdiction licensure for Life.
Notification
File a change of address and certification from the new resident jurisdiction within thirty days of the residence change.
Transaction
No fee or licence application is required for this change under C.R.S. 10-2-502(3.5); continue to satisfy nonresident licensing qualifications.

Official no-examination sources

Effective from 2026-09-22.

Long term care sales authority for an existing Life producer
No examination is required for this applicant pathway.
Course assessment
Any competency assessment associated with continuing-education training is a training condition, not a separately identified producer licensing examination.
Existing authority
Hold an active Life producer licence. The Division grants the sales authority without issuing a separate Long-Term Care licence.
Initial training
Complete sixteen hours: eight general long-term-care hours and eight classroom hours specific to long-term-care partnerships.
Ongoing training
Complete five classroom long-term-care hours every twenty-four months after the initial period; the insurer verifies compliance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident same line previous licence exemption
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit licence-status certification, uniform or home-jurisdiction application, and fee.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Good standing
The prior jurisdiction certifies good standing at cancellation, or its National Producer Database records show current or former good standing.
Licensure eligibility
The examination exemption does not waive the nonresident licensing qualifications in C.R.S. 10-2-502, including a current home-jurisdiction licence in good standing and the same authority.
Prior licence
Previously licensed for the same Life line. The examination exemption applies when currently licensed in the home jurisdiction or applying within twelve months after cancellation of the previous licence.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Life licensure by reciprocity
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Certification
Provide current licence-status certification, subject to National Producer Database verification, and the home-jurisdiction application or completed uniform application.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Home licence
Maintain a home-jurisdiction licence in good standing for the same Life authority, awarded on the same basis.
Reciprocity
The home jurisdiction awards nonresident producer licences to Colorado residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Life licence continuation
No examination is required for this applicant pathway.
Deadline
File online continuation and pay the applicable fee within the biennial continuation cycle.
Education
Home-jurisdiction continuing education satisfies Colorado requirements when recognized reciprocally; otherwise satisfy the applicable Colorado education requirements.
Existing licence
Maintain the Colorado Life producer licence and the underlying home-jurisdiction licence in good standing.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after more than one year of Life licence inactivity
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit a new electronic application and initial licence fee; provide any previously required continuing education compliance.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Implementation requirement
Regulation 1-2-10, Section 6(C), states: 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and pay the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for. The statute controls the examination tree; the implementing re-education and re-examination demand remains a condition.
New authority
The exemption covers previously held authorities only; adding Life for the first time must meet the requirements for that new line.
Previous licence
The same previously held Life authority has been inactive more than one year.
Statutory exemption
C.R.S. 10-2-403(1)(a) exempts a previously licensed same-line resident applicant from education and examination; its added timing limits are expressly for nonresident applicants.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of expired or cancelled Life licence within one year
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit a new electronic application and initial licence fee; provide any previously required continuing education compliance.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Implementation requirement
Regulation 1-2-10, Section 6(C), states: 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and pay the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for. The statute controls the examination tree; the implementing re-education and re-examination demand remains a condition.
New authority
The exemption covers previously held authorities only; adding Life for the first time must meet the requirements for that new line.
Previous licence
The previously held Life licence has been inactive for one year or less; the handbook phrases its examination exemption as less than one year.
Statutory exemption
C.R.S. 10-2-403(1)(a) exempts a previously licensed same-line resident applicant from education and examination; its added timing limits are expressly for nonresident applicants.

Official no-examination sources

Effective from 2026-09-22.

Resident Life licensure with ChFC designation
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Designation
Hold the ChFC designation.
Exam exemption
C.R.S. 10-2-403 exempts this applicant from the examination except the portion pertaining to Colorado laws and rules pertinent to Life and health coverage insurance. The requirement refers to the existing Life examination; its partial exemption does not establish a separate examination identity.
Prelicensing
CLU and ChFC qualify for the handbook's Life prelicensing exemption. RHU is listed for Accident and Health; for Life, complete the Life education unless independently exempt.
Residency
Reside in Colorado.
Score window
The handbook requires application within one year of the passing examination date.
Resident Life licensure with CLU designation
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Designation
Hold the CLU designation.
Exam exemption
C.R.S. 10-2-403 exempts this applicant from the examination except the portion pertaining to Colorado laws and rules pertinent to Life and health coverage insurance. The requirement refers to the existing Life examination; its partial exemption does not establish a separate examination identity.
Prelicensing
CLU and ChFC qualify for the handbook's Life prelicensing exemption. RHU is listed for Accident and Health; for Life, complete the Life education unless independently exempt.
Residency
Reside in Colorado.
Score window
The handbook requires application within one year of the passing examination date.
Resident Life licensure with an education exempt professional designation
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Designation
Hold a current CEBS, CIC, CFP, FLMI or LUTCF designation accepted for Life prelicensing by the handbook.
Education exemption
Provide school exemption code 99999 at examination reservation and membership or good-standing evidence with the licence application.
Examination
Pass the Life examination; this designation category waives education, not the producer examination. CLU and ChFC have separate statutory portion-exemption routes.
Residency
Reside in Colorado.
Score window
Submit the licence application within one year after passing.
Resident initial Life licensure by examination
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Course assessment
An approved prelicensing course may have a final examination; that course assessment is an applicant-training condition, not a separately identified licensing examination.
Prelicensing
Complete at least fifty hours of approved Life prelicensing education, including at least three hours of ethics, before the Life examination. The course is valid for one year.
Professional designation
For Life, the handbook accepts CEBS, ChFC, CIC, CFP, CLU, FLMI or LUTCF as a prelicensing exemption; use school exemption code 99999 and submit membership or good-standing evidence. CLU and ChFC also have the statutory examination-portion exemption recorded in their separate routes.
Residency
Reside in Colorado.
Score window
Apply within one year of the passing examination date; otherwise the passing score is no longer valid.
Resident licensure based on previous Life licensure
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Implementation requirement
The July 2026 handbook states: 1. Applicants who have held a resident license in another state within the 90 days prior to submitting their Colorado application are exempt from passing the examination for the lines of authority that were held in their previous resident state. If Pearson VUE is unable to verify previous licensure at the time of application through a search of the National Producer Database, the applicant will be required to submit a Letter of Clearance issued by the insurance department in the previous resident state. The broader statutory exemption controls the examination requirement in this survey; the implementing demand remains visible to the applicant.
Previous licence
Previously licensed for the same Life line in Colorado or elsewhere, under C.R.S. 10-2-403(1)(a). Its additional timing and certification restrictions expressly apply to nonresident applicants.
Residency
Reside in Colorado.
Statutory clearance
C.R.S. 10-2-402(1) separately exempts a same-line applicant licensed elsewhere during the immediately preceding twelve months who supplies the prescribed good-standing letter of clearance.

Official no-examination sources

Effective from 2026-09-22.

Resident Life licence continuation
No examination is required for this applicant pathway.
Course assessment
Continuing education may involve a course competency test; this is an education condition and not an identified producer licensing examination.
Deadline
Continue online every two years by the last day of the birth month; the first cycle is 13–24 months. No grace period.
Education
Beginning with the second continuation cycle, complete 24 approved credits: 18 in the licensed authority, 3 in ethics, and 3 in a category of choice. The first cycle is exempt.
Existing licence
Hold an existing Life producer licence that is eligible for continuation.
Fee
Pay the continuation fee.

Official no-examination sources

Effective from 2026-09-22.

Resident Life licensure with RHU designation
CO Life Producer
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Designation
Hold the RHU designation.
Exam exemption
C.R.S. 10-2-403 exempts this applicant from the examination except the portion pertaining to Colorado laws and rules pertinent to Life and health coverage insurance. The requirement refers to the existing Life examination; its partial exemption does not establish a separate examination identity.
Prelicensing
CLU and ChFC qualify for the handbook's Life prelicensing exemption. RHU is listed for Accident and Health; for Life, complete the Life education unless independently exempt.
Residency
Reside in Colorado.
Score window
The handbook requires application within one year of the passing examination date.
Change from home state producer to Colorado resident
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Clearance
The rule requires a letter of clearance when the previous licence has been expired less than one year; supply good-standing evidence or allow National Producer Database verification.
Education
No prelicensing education or examination for a previously held line under the statutory exemption, subject to a regulation otherwise determining the requirement.
Implementation window
Regulation 1-2-10, Section 6(F)(2), states: 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application in Colorado within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying. The statute and rule state different timing events; the applicant must account for both.
Previous licence
Hold a producer licence for the Life authority in the previous resident jurisdiction.
Residency window
C.R.S. 10-2-403(1)(b.5) requires application within ninety days after establishing legal residence in Colorado.

Official no-examination sources

Effective from 2026-09-22.

Resident transfer with same line licensure within twelve months
No examination is required for this applicant pathway.
Age
At least eighteen years old (C.R.S. 10-2-404(1)(a)).
Application
Submit the prescribed application and fee, answer screening questions truthfully, and provide supporting documentation for applicable Yes answers. The Division reviews eligibility.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying ground under C.R.S. 10-2-801.
Clearance
File the public insurance official's letter confirming the same line and good standing during that twelve-month period.
Implementation requirement
For applications later than ninety days after cancellation, Regulation 1-2-10, Section 6(F)(2), states: 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application in Colorado within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying. The explicit statutory twelve-month examination exception in C.R.S. 10-2-402(1) controls; the narrower implementing demand is retained as a condition.
Licence window
Licensed for Life in the previous resident jurisdiction within the twelve months immediately before Colorado receives the application.
Residency
Reside in Colorado.

Official no-examination sources

Effective from 2026-09-22.

Continue Variable Life and Variable Annuity Products authority
No examination is required for this applicant pathway.
Education
Satisfy the Life producer continuing-education requirement or applicable reciprocal nonresident requirement.
Existing authorities
Continue the Life licence and variable products authority and pay the applicable continuation fees.
Registration
For a resident, maintain current FINRA registration with a member firm and evidence of the registration test. For a nonresident, maintain the home-jurisdiction requirements and current FINRA registration.

Official no-examination sources

Effective from 2026-09-22.

Add Variable Life and Variable Annuity Products authority
No examination is required for this applicant pathway.
Exemption
C.R.S. 10-2-403(1)(f) exempts the qualified licensed Life producer from the producer written examination.
Existing life
Hold an active Life licence. If applying for Life and variable products together, independently meet the applicable Life issuance route.
Nonresident
A nonresident also meets the home-jurisdiction requirements and current FINRA registration.
Securities registration
Provide evidence of the FINRA registration test and current registration with a FINRA member firm, broker or dealer; supply the CRD number for verification. These are securities-profession requirements, carried as conditions.

Official no-examination sources

Effective from 2026-09-22.

Viatical settlement producer notification
No examination is required for this applicant pathway.
Acknowledgment
Acknowledge compliance with Title 10, Article 7, Part 6 and the duty to act only in the viator's interests.
Notification
Notify the Commissioner on the prescribed form and pay the fee no later than thirty days after first negotiating a viatical settlement.
Previous licence
Be a Life insurance producer licensed as a resident producer with a Life line in the home jurisdiction for at least one year.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary individual insurance producer licence issued at the commissioner's discretion, without examination, for up to 180 days to service an insurance business in specified circumstances.

Licensing authority: Colorado Division of Insurance · Application information

Temporary individual licence for agency continuity
No examination is required for this applicant pathway.
Application
Send the written temporary-licence request to the Division licensing section.
Board discretion
Commissioner may limit authority, require a suitable licensed producer/insurer sponsor, impose public-protection requirements, or revoke temporary authority if insureds or the public are endangered.
Duration
No more than 180 days, and no continuation after the owner or personal representative disposes of the business.
Education
Temporary licence authority is exempt from prelicensing education under C.R.S. 10-2-202(1)(b).
Eligibility
Member, employee or officer of a licensed agency/business entity upon death or disability of its designated or registered individual producer.
Necessity
Commissioner finds temporary authority necessary to service the existing Life insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence after the producer's death
No examination is required for this applicant pathway.
Application
Send the written temporary-licence request to the Division licensing section.
Board discretion
Commissioner may limit authority, require a suitable licensed producer/insurer sponsor, impose public-protection requirements, or revoke temporary authority if insureds or the public are endangered.
Duration
No more than 180 days, and no continuation after the owner or personal representative disposes of the business.
Education
Temporary licence authority is exempt from prelicensing education under C.R.S. 10-2-202(1)(b).
Eligibility
Surviving spouse, next of kin, executor or employee of a deceased licensed producer.
Necessity
Commissioner finds temporary authority necessary to service the existing Life insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence after the producer's disability
No examination is required for this applicant pathway.
Application
Send the written temporary-licence request to the Division licensing section.
Board discretion
Commissioner may limit authority, require a suitable licensed producer/insurer sponsor, impose public-protection requirements, or revoke temporary authority if insureds or the public are endangered.
Duration
No more than 180 days, and no continuation after the owner or personal representative disposes of the business.
Education
Temporary licence authority is exempt from prelicensing education under C.R.S. 10-2-202(1)(b).
Eligibility
Surviving spouse, next of kin, employee or legal guardian of a disabled licensed producer.
Necessity
Commissioner finds temporary authority necessary to service the existing Life insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence upon the producer's active military service
No examination is required for this applicant pathway.
Application
Send the written temporary-licence request to the Division licensing section.
Board discretion
Commissioner may limit authority, require a suitable licensed producer/insurer sponsor, impose public-protection requirements, or revoke temporary authority if insureds or the public are endangered.
Duration
No more than 180 days, and no continuation after the owner or personal representative disposes of the business.
Education
Temporary licence authority is exempt from prelicensing education under C.R.S. 10-2-202(1)(b).
Eligibility
Designee of a licensed producer entering active United States armed-forces service.
Necessity
Commissioner finds temporary authority necessary to service the existing Life insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licence in another public interest circumstance
No examination is required for this applicant pathway.
Application
Send the written temporary-licence request to the Division licensing section.
Board discretion
Commissioner may limit authority, require a suitable licensed producer/insurer sponsor, impose public-protection requirements, or revoke temporary authority if insureds or the public are endangered.
Duration
No more than 180 days, and no continuation after the owner or personal representative disposes of the business.
Education
Temporary licence authority is exempt from prelicensing education under C.R.S. 10-2-202(1)(b).
Eligibility
Any person in another circumstance the Commissioner finds serves the public interest.
Necessity
Commissioner finds temporary authority necessary to service the existing Life insurance business.

Official no-examination sources

Effective from 2026-09-22.

CO Life Producer

Provider
Pearson VUE
Format
Computer-based written examination with general-knowledge and Colorado-specific portions.
Exam questions
50 scored general-knowledge questions plus 5 pretest questions; 30 scoreable Colorado-specific questions plus 5 pretest questions.
Time limit
2 hours
Exam fee
$41; up to two examinations in one session for the single fee.
Examination outline
  • Life — General Knowledge: I. TYPES OF POLICIES
    • A. Traditional whole life products
    • A. Traditional whole life products > A.1. Ordinary whole life
    • A. Traditional whole life products > A.2. Limited-pay and single-premium life
    • B. Interest/market-sensitive/adjustable life products
    • B. Interest/market-sensitive/adjustable life products > B.1. Universal life
    • B. Interest/market-sensitive/adjustable life products > B.2. Variable whole life
    • B. Interest/market-sensitive/adjustable life products > B.3. Variable universal life
    • B. Interest/market-sensitive/adjustable life products > B.4. Interest-sensitive whole life
    • B. Interest/market-sensitive/adjustable life products > B.5. Indexed life
    • C. Term life
    • C. Term life > C.1. Types
    • C. Term life > C.1. Types > C.1.a. Level
    • C. Term life > C.1. Types > C.1.b. Decreasing
    • C. Term life > C.1. Types > C.1.c. Return of premium
    • C. Term life > C.1. Types > C.1.d. Annually renewable
    • C. Term life > C.2. Special features
    • C. Term life > C.2. Special features > C.2.a. Renewable
    • C. Term life > C.2. Special features > C.2.b. Convertible
    • D. Annuities
    • D. Annuities > D.1. Single and flexible premium
    • D. Annuities > D.2. Immediate and deferred
    • D. Annuities > D.3. Fixed and variable
    • D. Annuities > D.4. Indexed
    • D. Annuities > D.5. Accumulation and Annuity Periods
    • D. Annuities > D.6. Payout options
    • E. Combination plans and variations
    • E. Combination plans and variations > E.1. Joint life (first to die)
    • E. Combination plans and variations > E.2. Survivorship life (second to die)
  • Life — General Knowledge: II. LIFE PROVISIONS, RIDERS, OPTIONS, AND EXCLUSIONS
    • A. Policy riders
    • A. Policy riders > A.1. Waiver of premium and waiver of monthly deduction
    • A. Policy riders > A.2. Guaranteed insurability
    • A. Policy riders > A.3. Payor benefit
    • A. Policy riders > A.4. Accidental death and/or accidental death and dismemberment
    • A. Policy riders > A.5. Term riders
    • A. Policy riders > A.6. Other insureds
    • A. Policy riders > A.7. Long term care
    • A. Policy riders > A.8. Return of premium
    • A. Policy riders > A.9. Disability
    • A. Policy riders > A.10. Cost of Living
    • B. Policy provisions and options
    • B. Policy provisions and options > B.1. Entire contract
    • B. Policy provisions and options > B.2. Insuring clause
    • B. Policy provisions and options > B.3. Free look
    • B. Policy provisions and options > B.4. Consideration
    • B. Policy provisions and options > B.5. Owner’s rights
    • B. Policy provisions and options > B.6. Beneficiary designations
    • B. Policy provisions and options > B.6. Beneficiary designations > B.6.a. Primary and contingent
    • B. Policy provisions and options > B.6. Beneficiary designations > B.6.b. Revocable and irrevocable
    • B. Policy provisions and options > B.6. Beneficiary designations > B.6.c. Common disaster
    • B. Policy provisions and options > B.6. Beneficiary designations > B.6.d. Minor beneficiaries
    • B. Policy provisions and options > B.6. Beneficiary designations > B.6.e. Designation by class
    • B. Policy provisions and options > B.7. Premium Payment
    • B. Policy provisions and options > B.7. Premium Payment > B.7.a. Modes
    • B. Policy provisions and options > B.7. Premium Payment > B.7.b. Grace period
    • B. Policy provisions and options > B.7. Premium Payment > B.7.c. Automatic premium loan
    • B. Policy provisions and options > B.7. Premium Payment > B.7.d. Level or flexible
    • B. Policy provisions and options > B.8. Reinstatement
    • B. Policy provisions and options > B.9. Policy loans, withdrawals, partial surrenders
    • B. Policy provisions and options > B.10. Non-forfeiture options
    • B. Policy provisions and options > B.11. Dividends and dividend options (eg. participating, non-participating)
    • B. Policy provisions and options > B.12. Incontestability
    • B. Policy provisions and options > B.13. Assignments
    • B. Policy provisions and options > B.14. Suicide
    • B. Policy provisions and options > B.15. Misstatement of age and gender
    • B. Policy provisions and options > B.16. Settlement options
    • B. Policy provisions and options > B.17. Accelerated death benefits
    • C. Policy exclusions
    • C. Policy exclusions > C.1. War
    • C. Policy exclusions > C.2. Aviation
    • C. Policy exclusions > C.3. Dangerous Occupation
  • Life — General Knowledge: III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES
    • A. Completing the application
    • A. Completing the application > A.1. Required signatures
    • A. Completing the application > A.2. Changes in the application
    • A. Completing the application > A.3. Consequences of incomplete applications
    • A. Completing the application > A.4. Warranties and representations
    • A. Completing the application > A.5. Collecting the initial premium and issuing the receipt
    • A. Completing the application > A.6. Replacement
    • A. Completing the application > A.7. Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • A. Completing the application > A.8. USA PATRIOT Act/anti-money laundering
    • A. Completing the application > A.9. Gramm-Leach-Bliley Act (GLBA) Privacy
    • B. Underwriting
    • B. Underwriting > B.1. Insurable interest
    • B. Underwriting > B.2. Medical information and consumer reports
    • B. Underwriting > B.3. Fair Credit Reporting Act
    • B. Underwriting > B.4. Risk classification
    • B. Underwriting > B.5. Stranger/Investor-owned life insurance (STOLI/IOLI)
    • C. Delivering the policy
    • C. Delivering the policy > C.1. When coverage begins
    • C. Delivering the policy > C.2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • D. Contract law
    • D. Contract law > D.1. Elements of a contract
    • D. Contract law > D.1. Elements of a contract > D.1.a. Consideration
    • D. Contract law > D.1. Elements of a contract > D.1.b. Offer and Acceptance
    • D. Contract law > D.1. Elements of a contract > D.1.c. Competent parties
    • D. Contract law > D.1. Elements of a contract > D.1.d. Legal purpose
    • D. Contract law > D.2. Unique aspects of the insurance contract
    • D. Contract law > D.2. Unique aspects of the insurance contract > D.2.a. Conditional
    • D. Contract law > D.2. Unique aspects of the insurance contract > D.2.b. Unilateral
    • D. Contract law > D.2. Unique aspects of the insurance contract > D.2.c. Adhesion
    • D. Contract law > D.2. Unique aspects of the insurance contract > D.2.d. Aleatory
  • Life — General Knowledge: IV. RETIREMENT, AND OTHER INSURANCE CONCEPTS
    • A. Third-party ownership
    • B. Life Settlements
    • C. Group life insurance
    • C. Group life insurance > C.1. Conversion privilege
    • C. Group life insurance > C.2. Contributory vs. noncontributory
    • D. Retirement plans
    • D. Retirement plans > D.1. Qualified plans
    • D. Retirement plans > D.2. Nonqualified plans
    • E. Life insurance needs analysis/suitability
    • E. Life insurance needs analysis/suitability > E.1. Personal insurance needs
    • E. Life insurance needs analysis/suitability > E.2. Business insurance needs
    • E. Life insurance needs analysis/suitability > E.2. Business insurance needs > E.2.a. Key person
    • E. Life insurance needs analysis/suitability > E.2. Business insurance needs > E.2.b. Buy sell
    • F. Social Security benefits
    • G. Tax treatment of insurance premiums, proceeds, and dividends
    • G. Tax treatment of insurance premiums, proceeds, and dividends > G.1. Individual life
    • G. Tax treatment of insurance premiums, proceeds, and dividends > G.2. Group life
    • G. Tax treatment of insurance premiums, proceeds, and dividends > G.3. Modified Endowment Contracts (MECs)
  • Life — Colorado Specific: I. COLORADO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, SICKNESS AND ACCIDENT, PROPERTY (FIRE), AND CASUALTY INSURANCE
    • A. Insurance Commissioner
    • A. Insurance Commissioner > A.1. Power and duties
    • A. Insurance Commissioner > A.2. Hearings and penalties
    • A. Insurance Commissioner > A.3. License suspension and revocation
    • A. Insurance Commissioner > A.4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility > B.1. Persons required to be licensed
    • B. Licensing and producers’ legal responsibility > B.2. Payment and acceptance of commissions/fees
    • B. Licensing and producers’ legal responsibility > B.3. Fiduciary/commingling
    • B. Licensing and producers’ legal responsibility > B.4. Pre-licensing and continuing education
    • B. Licensing and producers’ legal responsibility > B.5. Unauthorized entities
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices > C.1. Coercion
    • C. Unfair competition and deceptive practices > C.2. Misrepresentation
    • C. Unfair competition and deceptive practices > C.3. Unfair discrimination
    • C. Unfair competition and deceptive practices > C.4. Controlled business
    • C. Unfair competition and deceptive practices > C.5. Defamation
    • C. Unfair competition and deceptive practices > C.6. Rebates
    • C. Unfair competition and deceptive practices > C.7. Unfair claims practices
    • C. Unfair competition and deceptive practices > C.8. Colorado Fraud Statute
  • Life — Colorado Specific: II. COLORADO STATUTES, RULES, AND REGULATIONS PERTINENT TO LIFE INSURANCE ONLY
    • A. Policy replacement
    • A. Policy replacement > A.1. Replacement forms
    • A. Policy replacement > A.2. Record keeping of replacements
    • B. Group Life
    • C. Suicide
    • D. Free Look period/Disclosure
    • E. Interest on Proceeds
    • F. Sales and Marketing of Life and Annuities
    • F. Sales and Marketing of Life and Annuities > F.1. Unfair trade practices
    • F. Sales and Marketing of Life and Annuities > F.2. Suitability requirements
    • F. Sales and Marketing of Life and Annuities > F.3. Disclosures
    • F. Sales and Marketing of Life and Annuities > F.4. Advertising
    • G. Insurable Interest
    • H. Lapse Notice Requirement
Examination sources