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Pennsylvania Life Insurance — License Examination Requirements

US-PA · 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.

Nonresident Limited Lines Insurance Producer License — Business Entity

Limited-lines producer identity, covering its credit-life/credit-products and restricted-fraternal life routes; unrelated limited lines are outside this profession.

Licensing authority: Pennsylvania Insurance Department · Application information

Add credit to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: credit
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity: credit
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Home license
Hold the same limited line in the home state; request the same scope under Sections 610-A and 614-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Reciprocity
Home-state reciprocal licensing basis applies.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Add restricted fraternal to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Home license
Hold the same limited line in the home state; request the same scope under Sections 610-A and 614-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Reciprocity
Home-state reciprocal licensing basis applies.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Insurance Producer License

Limited-lines producer identity, covering its credit-life/credit-products and restricted-fraternal life routes; unrelated limited lines are outside this profession.

Licensing authority: Pennsylvania Insurance Department · Application information

Add credit to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: credit
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity: credit
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Home license
Hold the same limited line in the home state; request the same scope under Sections 610-A and 614-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Reciprocity
Home-state reciprocal licensing basis applies.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Fitness
Meet the ordinary individual age and fitness requirements and applicable fingerprint obligations.
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Line
Application remains limited to credit products or restricted-fraternal life authority.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Add restricted fraternal to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line reciprocity: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Home license
Hold the same limited line in the home state; request the same scope under Sections 610-A and 614-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Reciprocity
Home-state reciprocal licensing basis applies.
Residency
Apply as nonresident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Insurance Producer License — Business Entity

Limited-lines producer identity, covering its credit-life/credit-products and restricted-fraternal life routes; unrelated limited lines are outside this profession.

Licensing authority: Pennsylvania Insurance Department · Application information

Add credit to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: credit
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Add restricted fraternal to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Lines Insurance Producer License

Limited-lines producer identity, covering its credit-life/credit-products and restricted-fraternal life routes; unrelated limited lines are outside this profession.

Licensing authority: Pennsylvania Insurance Department · Application information

Add credit to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: credit
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Credit products, including credit life and mortgage life, issued in connection with an extension of credit.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Fitness
Meet the ordinary individual age and fitness requirements and applicable fingerprint obligations.
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Line
Application remains limited to credit products or restricted-fraternal life authority.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Add restricted fraternal to an existing limited lines license
No examination is required for this applicant pathway.
Amendment
Hold an active limited-lines producer license; add the requested limited line by amended application and fee.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Initial limited line licensure: restricted fraternal
No examination is required for this applicant pathway.
Application
Submit the applicable limited-lines producer application, supporting background information and license fee.
Criminal consent
A felony involving breach of trust or dishonesty may require written consent specifically under 18 U.S.C. section 1033(e) before engaging in insurance business (Department 1033 waiver page).
Fingerprints
New resident limited-line individuals submit fingerprints; amended active licenses do not require new fingerprints, and reciprocal nonresidents are excepted.
Fitness
Meet the individual age, fitness and prohibited-act criteria of Section 606-A(a).
Line
Restricted fraternal authority; unrestricted fraternal agents subject to Section 2459(c) examination must use the ordinary life-producer route. The former Code section cited in Section 604-A(d)(10) was replaced by Insurance Company Law Article XXIV, whose current agent provisions are quoted.
Residency
Apply as resident; principal place of residence/business determines resident status under Section 605-A.
Scope
Authority is restricted to the selected limited line, not unrestricted life authority.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
A licensee holding only limited authority is exempt under Section 608-A(c)(3); restricted fraternal authority is also expressly exempt under (4). For credit authority, insurer-provided instruction is required by (5).
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Manager or Exclusive General Agent License

Separate MGR/EGA license for management or exclusive general agency of a Pennsylvania domestic insurer, surveyed here as it applies to life-insurance producer operations.

Licensing authority: Pennsylvania Insurance Department · Application information

Initial exclusive general agent licensure
No examination is required for this applicant pathway.
Application
Submit the MGR/EGA application for each insurer, $400 filing fee, executed agreement and certified board resolution approving it.
Contract
Agreement must meet Chapter 127 review and contract conditions.
Fitness
Good business reputation and sufficient fitness, competence and reliability; satisfy other Department criteria under Section 632-A(b).
Role
Act as a exclusive-general-agent for a Pennsylvania domestic life insurer.
Underlying license
For an EGA, provide the existing resident or nonresident individual/agency producer license; this prior license is an applicant condition, not the applicant’s examination slot.

Official no-examination sources

Effective from 2026-09-22.

Annual exclusive general agent renewal or new agreement
No examination is required for this applicant pathway.
Application
Submit the MGR/EGA application for each insurer, $400 filing fee, executed agreement and certified board resolution approving it.
Contract
Agreement must meet Chapter 127 review and contract conditions.
Fitness
Good business reputation and sufficient fitness, competence and reliability; satisfy other Department criteria under Section 632-A(b).
Renewal
Renew on the anniversary of initial licensure or implementation of a new agreement; file required contract and board resolution.
Role
Act as a exclusive-general-agent for a Pennsylvania domestic life insurer.
Underlying license
For an EGA, provide the existing resident or nonresident individual/agency producer license; this prior license is an applicant condition, not the applicant’s examination slot.

Official no-examination sources

Effective from 2026-09-22.

Initial manager licensure
No examination is required for this applicant pathway.
Application
Submit the MGR/EGA application for each insurer, $400 filing fee, executed agreement and certified board resolution approving it.
Contract
Agreement must meet Chapter 127 review and contract conditions.
Fitness
Good business reputation and sufficient fitness, competence and reliability; satisfy other Department criteria under Section 632-A(b).
Role
Act as a manager for a Pennsylvania domestic life insurer.
Underlying license
The manager license does not itself confer individual life-producer authority.

Official no-examination sources

Effective from 2026-09-22.

Annual manager renewal or new agreement
No examination is required for this applicant pathway.
Application
Submit the MGR/EGA application for each insurer, $400 filing fee, executed agreement and certified board resolution approving it.
Contract
Agreement must meet Chapter 127 review and contract conditions.
Fitness
Good business reputation and sufficient fitness, competence and reliability; satisfy other Department criteria under Section 632-A(b).
Renewal
Renew on the anniversary of initial licensure or implementation of a new agreement; file required contract and board resolution.
Role
Act as a manager for a Pennsylvania domestic life insurer.
Underlying license
The manager license does not itself confer individual life-producer authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Insurance Producer License — Business Entity

Insurance producer license with life and fixed-annuity authority; variable life/variable annuity authority may be added to the same license. This survey covers its life-related routes.

Licensing authority: Pennsylvania Insurance Department · Application information

Add life authority to an existing business entity producer license
No examination is required for this applicant pathway.
Amendment
Submit the amendment application and $25 fee; designated licensees must already hold the requested life authority.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Business name
Resident entities obtain Insurance Department name approval and Department of State registration; nonresident names are reviewed on application and Department of State registration may be required (Department initial licensing page).
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Residency
Principal place of residence or business outside Pennsylvania; a nonreciprocal applicant follows ordinary issuance prerequisites.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Add variable life and variable annuity authority
No examination is required for this applicant pathway.
Amendment
Request the variable life/variable annuity line of authority on the producer license; PSI identifies no separate insurance examination for this line.
Entity qualification
For an entity, designated individual licensees must hold all requested authority; section 37a.10 applies.
Existing life authority
Hold the life-insurance producer authority required by the variable-life and variable-annuity rules.
Securities registration
For an individual, maintain FINRA registration and provide required evidence of securities authorization. FINRA is a securities-profession qualification, not a Pennsylvania life examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Initial business entity licensure
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Business name
Resident entities obtain Insurance Department name approval and Department of State registration; nonresident names are reviewed on application and Department of State registration may be required (Department initial licensing page).
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Residency
Principal place of residence or business outside Pennsylvania; a nonreciprocal applicant follows ordinary issuance prerequisites.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

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 an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Business name
Resident entities obtain Insurance Department name approval and Department of State registration; nonresident names are reviewed on application and Department of State registration may be required (Department initial licensing page).
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Home license
Currently licensed as a resident entity in its home state for the equivalent life authority; submit proof and the home application or Pennsylvania application.
Reciprocity
Home state must award equivalent nonresident entity licenses to Pennsylvania licensees on the same basis.
Residency
Principal place of residence or business outside Pennsylvania; a nonreciprocal applicant follows ordinary issuance prerequisites.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Producer License — Business Entity

Insurance producer license with life and fixed-annuity authority; variable life/variable annuity authority may be added to the same license. This survey covers its life-related routes.

Licensing authority: Pennsylvania Insurance Department · Application information

Add life authority to an existing business entity producer license
No examination is required for this applicant pathway.
Amendment
Submit the amendment application and $25 fee; designated licensees must already hold the requested life authority.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Business name
Resident entities obtain Insurance Department name approval and Department of State registration; nonresident names are reviewed on application and Department of State registration may be required (Department initial licensing page).
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Residency
Principal place of residence or business within Pennsylvania.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Add variable life and variable annuity authority
No examination is required for this applicant pathway.
Amendment
Request the variable life/variable annuity line of authority on the producer license; PSI identifies no separate insurance examination for this line.
Entity qualification
For an entity, designated individual licensees must hold all requested authority; section 37a.10 applies.
Existing life authority
Hold the life-insurance producer authority required by the variable-life and variable-annuity rules.
Securities registration
For an individual, maintain FINRA registration and provide required evidence of securities authorization. FINRA is a securities-profession qualification, not a Pennsylvania life examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).
Waiver
Supply details and supporting documentation of military service or another extenuating circumstance. If good cause is found, the Department may waive CE for the lapsed period and the lapsed-license fee and permit renewal; ordinary renewal review continues.

Official no-examination sources

Effective from 2026-09-22.

Initial business entity licensure
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Business name
Resident entities obtain Insurance Department name approval and Department of State registration; nonresident names are reviewed on application and Department of State registration may be required (Department initial licensing page).
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Residency
Principal place of residence or business within Pennsylvania.
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
More than 60 days but within one year after lapse; reinstatement is effective when reinstated.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Fresh licensure after more than one year of lapse
No examination is required for this applicant pathway.
Application
Submit an entity application, proof of designated producer licenses, and the applicable resident or nonresident fee. Disclose required owners, partners, officers and directors.
Designated licensee
Designate one or more Pennsylvania producers in good standing; their individual licenses together must hold all requested entity lines (Sections 605-A(b), 606-A(b); 31 Pa. Code section 37a.10).
Fitness
The entity and designated producers must meet prohibited-act, fitness, competence, reliability and other Department criteria in Section 606-A(b).
Lapse window
More than one year after lapse: apply again under ordinary initial-issuance requirements rather than lapsed renewal (Section 608-A(d)).
Separate license
A sole proprietorship is excepted from the separate business-entity license requirement; a separate entity with a Federal tax identification number engaging in insurance business requires its own license (31 Pa. Code section 37a.10(b)).

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of a lapsed license
No examination is required for this applicant pathway.
Completion
Submit completed renewal form, lapsed-license fee and proof of all applicable CE for both previously licensed and lapsed periods.
Continuing education
Entities are exempt from CE under Section 608-A(c)(2); their designated producers retain their own individual obligations.
Fingerprints
A resident who has not previously submitted fingerprints must submit them and the criminal-history fee when renewing.
Lapse window
Within 60 days after lapse; reinstatement is effective on the lapse date.
Renewal
Submit renewal form, fees and applicable continuing-education verification; comply with the Department review under Section 608-A(a).
Term
Renew biennially; individuals expire at the end of their birth month and entities follow their issuance date under section 37a.9(b).

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Discretionary temporary authority to preserve a life-producer business in the circumstances enumerated in Section 609-A; not the discontinued COVID-19 general-entry program.

Licensing authority: Pennsylvania Insurance Department · Application information

Temporary licensure: entity successor
No examination is required for this applicant pathway.
Conversion
Unrestricted ordinary life-producer authority requires satisfaction of the applicable ordinary initial route.
Covid program
Notice 2020-21 discontinued the COVID-19 temporary resident licensing program commencing under Notice 2020-12: "October 19, 2020, the Department will no longer accept applications for temporary licensure." This survey retains only the standing Section 609-A statutory successor, military-designee and extenuating-circumstance grants; it does not treat the COVID-19 program as currently offered. Issuance remains the Department’s discretionary decision.
Discretion
The Department must find temporary issuance in the public interest and the person worthy of it. Section 609-A is the special temporary grant; its complete issuance conditions do not prescribe an examination.
Eligible person
Owner, partner or employee of a licensed entity following death or disability of its designated licensee; operate pending transfer or trained and licensed replacement.
Restrictions
Department may require a sponsoring insurer and limit authority; life activity must stay within granted authority.
Term
Maximum 180 days; nontransferable. The Department may revoke immediately without notice in the public interest.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: military designee
No examination is required for this applicant pathway.
Conversion
Unrestricted ordinary life-producer authority requires satisfaction of the applicable ordinary initial route.
Covid program
Notice 2020-21 discontinued the COVID-19 temporary resident licensing program commencing under Notice 2020-12: "October 19, 2020, the Department will no longer accept applications for temporary licensure." This survey retains only the standing Section 609-A statutory successor, military-designee and extenuating-circumstance grants; it does not treat the COVID-19 program as currently offered. Issuance remains the Department’s discretionary decision.
Discretion
The Department must find temporary issuance in the public interest and the person worthy of it. Section 609-A is the special temporary grant; its complete issuance conditions do not prescribe an examination.
Eligible person
Designee of an individual producer entering active service in the United States armed forces.
Restrictions
Department may require a sponsoring insurer and limit authority; life activity must stay within granted authority.
Term
Maximum 180 days; nontransferable. The Department may revoke immediately without notice in the public interest.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: other extenuating
No examination is required for this applicant pathway.
Conversion
Unrestricted ordinary life-producer authority requires satisfaction of the applicable ordinary initial route.
Covid program
Notice 2020-21 discontinued the COVID-19 temporary resident licensing program commencing under Notice 2020-12: "October 19, 2020, the Department will no longer accept applications for temporary licensure." This survey retains only the standing Section 609-A statutory successor, military-designee and extenuating-circumstance grants; it does not treat the COVID-19 program as currently offered. Issuance remains the Department’s discretionary decision.
Discretion
The Department must find temporary issuance in the public interest and the person worthy of it. Section 609-A is the special temporary grant; its complete issuance conditions do not prescribe an examination.
Eligible person
Another extenuating circumstance for which the commissioner determines that temporary licensure best serves the public interest.
Restrictions
Department may require a sponsoring insurer and limit authority; life activity must stay within granted authority.
Term
Maximum 180 days; nontransferable. The Department may revoke immediately without notice in the public interest.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: spouse or representative
No examination is required for this applicant pathway.
Conversion
Unrestricted ordinary life-producer authority requires satisfaction of the applicable ordinary initial route.
Covid program
Notice 2020-21 discontinued the COVID-19 temporary resident licensing program commencing under Notice 2020-12: "October 19, 2020, the Department will no longer accept applications for temporary licensure." This survey retains only the standing Section 609-A statutory successor, military-designee and extenuating-circumstance grants; it does not treat the COVID-19 program as currently offered. Issuance remains the Department’s discretionary decision.
Discretion
The Department must find temporary issuance in the public interest and the person worthy of it. Section 609-A is the special temporary grant; its complete issuance conditions do not prescribe an examination.
Eligible person
Surviving spouse or court-appointed personal representative of a resident individual producer who dies or becomes mentally or physically disabled; operate until sale/transfer, recovery or replacement personnel are licensed.
Restrictions
Department may require a sponsoring insurer and limit authority; life activity must stay within granted authority.
Term
Maximum 180 days; nontransferable. The Department may revoke immediately without notice in the public interest.

Official no-examination sources

Effective from 2026-09-22.