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Minnesota Life 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.

Insurance Producer Agency

Agency license serving life insurance when affiliated individually licensed producers hold that authority; agencies themselves are not licensed for specific lines.

Licensing authority: Minnesota Department of Commerce · Application information

Individual proprietorship agency
No examination is required for this applicant pathway.
Application
Complete the agency application on Sircon and pay fees.
Appointment
Agencies do not require insurer appointment.
Duration
The perpetual agency license remains active until the individual’s producer license becomes inactive.
Name
Agency name includes the proprietor’s name; otherwise provide the filed Certificate of Assumed Name.
Responsible Producer
At least one Minnesota designated responsible licensed producer must be associated with the agency; affiliated individuals must have life authority for life business.
Scope
The agency license has no independently licensed lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency
No examination is required for this applicant pathway.
Application
Complete the agency application on Sircon and pay fees.
Appointment
Agencies do not require insurer appointment.
Home License
Meet reciprocal nonresident business-entity requirements under section 60K.39.
Organization
Where incorporated in another jurisdiction and doing business in Minnesota through resident producers, provide the Minnesota Certificate of Foreign Corporation.
Responsible Producer
At least one Minnesota designated responsible licensed producer must be associated with the agency; affiliated individuals must have life authority for life business.
Scope
The agency license has no independently licensed lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Agency reapplication after lapse
No examination is required for this applicant pathway.
Lapse
Business entities cannot reinstate; reapply for a new agency license.
Responsible Producer
Designate the responsible Minnesota licensed producer; provide entity documents and pay fees.

Official no-examination sources

Effective from 2026-09-22.

Agency relicensure after revocation
No examination is required for this applicant pathway.
Responsible Producer
Meet the business-entity application and responsible-producer requirements.
Revocation
Wait at least two years after revocation; provide the performance bond required by section 60K.43(6).

Official no-examination sources

Effective from 2026-09-22.

Agency renewal
No examination is required for this applicant pathway.
Proprietor
An individual proprietorship is perpetual while the individual producer license remains active.
Renewal
Renew through Sircon and pay the agency renewal fee; retain the designated responsible producer and provide requested documents.

Official no-examination sources

Effective from 2026-09-22.

Resident corporate agency
No examination is required for this applicant pathway.
Application
Complete the agency application on Sircon and pay fees.
Appointment
Agencies do not require insurer appointment.
Organization
Provide Secretary-of-State filed and stamped Articles of Incorporation.
Responsible Producer
At least one Minnesota designated responsible licensed producer must be associated with the agency; affiliated individuals must have life authority for life business.
Scope
The agency license has no independently licensed lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Resident LLC or other business entity agency
No examination is required for this applicant pathway.
Application
Complete the agency application on Sircon and pay fees.
Appointment
Agencies do not require insurer appointment.
Organization
Provide business organization documents.
Responsible Producer
At least one Minnesota designated responsible licensed producer must be associated with the agency; affiliated individuals must have life authority for life business.
Scope
The agency license has no independently licensed lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Resident partnership agency
No examination is required for this applicant pathway.
Application
Complete the agency application on Sircon and pay fees.
Appointment
Agencies do not require insurer appointment.
Organization
Provide the partnership agreement signed by all partners.
Responsible Producer
At least one Minnesota designated responsible licensed producer must be associated with the agency; affiliated individuals must have life authority for life business.
Scope
The agency license has no independently licensed lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Credit Insurance Producer

Limited credit insurance authority includes credit life and mortgage life; the authority is narrower than the major life line.

Licensing authority: Minnesota Department of Commerce · Application information

Nonresident limited lines credit insurance reciprocity
No examination is required for this applicant pathway.
Application
Application and fees; reciprocal licensing.
Home License
Good-standing active home-state resident limited credit line.
Scope
Minnesota grants the same scope as the home limited-line license.

Official no-examination sources

Effective from 2026-09-22.

Limited lines credit reapplication after expiration longer than one year
No examination is required for this applicant pathway.
Lapse
License expired more than one year; submit a new application and fees.
Nonresident Requirements
Nonresident applicants must retain the reciprocal same-line home-state license.
Resident Requirements
Resident applicants submit new fingerprints and satisfy the insurer instruction requirement.

Official no-examination sources

Effective from 2026-09-22.

Limited lines credit reinstatement within twelve months
No examination is required for this applicant pathway.
Fees
Pay twice the unpaid renewal fee as the statutory penalty; meet applicable CE and license qualifications.
Lapse
Reinstate within 12 months of the renewal fee due date.

Official no-examination sources

Effective from 2026-09-22.

Limited lines credit relicensure after revocation
No examination is required for this applicant pathway.
Qualification
Meet the limited credit licensing, instruction, fees and fitness requirements; resident applicants provide fingerprints.
Revocation
At least two years must elapse; provide a performance bond of $20,000 or greater.

Official no-examination sources

Effective from 2026-09-22.

Limited lines credit renewal
No examination is required for this applicant pathway.
Continuing Education
Section 60K.56(2) applies to natural persons selling lines for which licensing examinations are required; credit is exempt under section 60K.36(2).
Renewal
Pay renewal fees and provide requested documents; maintain the qualifications for the line.

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines credit insurance licensure
No examination is required for this applicant pathway.
Application
Submit the producer application, fees, and required resident fingerprints; at least 18 years and satisfy fitness requirements.
Appointment
An appointment is required to transact insurance business.
Instruction
The insurer must provide a program of instruction to individuals selling, soliciting or negotiating limited-line credit insurance.
Scope
Credit insurance, including credit life and mortgage life, limited to the associated credit obligation.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer — Life Insurance

Temporary servicing authority, for no more than 180 days, for an existing life insurance business when the commissioner considers it necessary.

Licensing authority: Minnesota Department of Commerce · Application information

Business entity member or employee
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service the insurance business, may limit its authority, require a suitable licensed-producer or insurer sponsor, impose similar safeguards, or revoke it to protect insureds and the public.
Duration
No more than 180 days; no continuation after the owner or personal representative disposes of the business.
Eligibility
The business entity’s designated licensed individual died or became disabled.

Official no-examination sources

Effective from 2026-09-22.

Designee of a producer entering military service
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service the insurance business, may limit its authority, require a suitable licensed-producer or insurer sponsor, impose similar safeguards, or revoke it to protect insureds and the public.
Duration
No more than 180 days; no continuation after the owner or personal representative disposes of the business.
Eligibility
The licensed producer enters active United States armed-forces service.

Official no-examination sources

Effective from 2026-09-22.

Other public interest circumstance
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service the insurance business, may limit its authority, require a suitable licensed-producer or insurer sponsor, impose similar safeguards, or revoke it to protect insureds and the public.
Duration
No more than 180 days; no continuation after the owner or personal representative disposes of the business.
Eligibility
The commissioner considers issuance in this circumstance to best serve the public interest.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or personal representative
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service the insurance business, may limit its authority, require a suitable licensed-producer or insurer sponsor, impose similar safeguards, or revoke it to protect insureds and the public.
Duration
No more than 180 days; no continuation after the owner or personal representative disposes of the business.
Eligibility
The licensed producer died or became disabled; temporary authority services the business during sale, recovery or training and licensing replacement personnel.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Variable Life and Variable Annuity

Variable life and variable annuity line; a resident applicant must hold a current life producer license or submit a concurrent application.

Licensing authority: Minnesota Department of Commerce · Application information

Nonresident variable life and variable annuity reciprocity
No examination is required for this applicant pathway.
Home License
Active good-standing resident license for variable life and variable annuity in the home jurisdiction.
Prerequisite
Home-jurisdiction qualification is an applicant condition; another jurisdiction’s examination is not a Minnesota exam leaf.
Reciprocity
Home jurisdiction grants reciprocal nonresident licenses; apply and pay fees.

Official no-examination sources

Effective from 2026-09-22.

Nonresident variable line reapplication after expiration
No examination is required for this applicant pathway.
Application
Fresh application, fees and fitness requirements.
Home License
Active reciprocal home-state resident variable life and variable annuity line.
Lapse
Fresh application required after expiration longer than one year.

Official no-examination sources

Effective from 2026-09-22.

Nonresident variable line relicensure after revocation
No examination is required for this applicant pathway.
Application
Fresh application, fees and fitness requirements.
Home License
Active reciprocal home-state resident variable life and variable annuity line.
Revocation
Wait at least two years and provide the required performance bond of $20,000 or greater.

Official no-examination sources

Effective from 2026-09-22.

Variable life and variable annuity reinstatement within twelve months
No examination is required for this applicant pathway.
Fees
Pay twice the unpaid renewal fee as the statutory penalty; meet applicable CE and license qualifications.
Lapse
Reinstate within 12 months of the renewal fee due date.

Official no-examination sources

Effective from 2026-09-22.

Variable life and variable annuity renewal
No examination is required for this applicant pathway.
Continuing Education
Comply with applicable CE and, for a resident, maintain the prerequisite life producer authority; reciprocal home-state CE is recognized.
Renewal
Pay renewal fees and provide requested documents; maintain the qualifications for the line.

Official no-examination sources

Effective from 2026-09-22.