OpenExamsFREE PRACTICE — ANY EXAM

South Dakota Life Insurance — License Examination Requirements

US-SD · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

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

Limited lines insurance producer license — Credit insurance

Credit insurance includes credit life and mortgage life; it is a limited licence rather than general life authority.

Licensing authority: South Dakota Department of Labor and Regulation, Division of Insurance · Application information

New limited credit application after lapse exceeding twelve months
No examination is required for this applicant pathway.
Lapse
The statutory twelve-month reinstatement period has expired; submit a new limited-credit licence application.
Scope
Credit insurance only; statutory examination exemption persists.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit reciprocity
No examination is required for this applicant pathway.
Examination
No exam or continuing education is required for limited-line credit insurance.
Scope
Hold same-line home-state resident licence in good standing and meet reciprocal application requirements.
Training
Insurer must provide a programme of instruction to credit-insurance business entities for staff who sell, solicit or negotiate credit insurance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit licence reinstatement
No examination is required for this applicant pathway.
Deadline
Apply within twelve months from renewal-fee due date; double unpaid fee penalty.
Home State
Maintain equivalent home-state resident credit authority; credit licensure remains examination-exempt.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit licence renewal
No examination is required for this applicant pathway.
Home State
Maintain equivalent active home-state resident credit authority.
Renewal
Biennial nonresident renewal and applicable fees; no South Dakota credit examination or CE requirement.

Official no-examination sources

Effective from 2026-09-22.

Limited credit licence reinstatement
No examination is required for this applicant pathway.
Deadline
Within twelve months from renewal-fee due date and double unpaid renewal fee.
Scope
Limited credit insurance remains examination-exempt; later issuance is a new limited-credit application.

Official no-examination sources

Effective from 2026-09-22.

Limited credit individual licence renewal
No examination is required for this applicant pathway.
Ce
Limited-credit producers are exempt from CE under ARSD 20:06:18:02(1).
Renewal
Renew limited or restricted licence under SDCL 58-30-121 as referenced by SDCL 58-30-115.2; credit licensing remains examination-exempt.
Scope
Credit-insurance limited authority only.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit initial licensure
No examination is required for this applicant pathway.
Examination
No exam or continuing education is required for limited-line credit insurance.
Scope
Limited solely to credit insurance, including credit life and mortgage life.
Training
Insurer must provide a programme of instruction to credit-insurance business entities for staff who sell, solicit or negotiate credit insurance.

Official no-examination sources

Effective from 2026-09-22.

New limited credit application after revocation
No examination is required for this applicant pathway.
Scope
Limited-credit licensing remains exempt from examination under SDCL 58-30-52(5).
Waiting Period
One year after revocation or final affirming court order; director may require good cause.

Official no-examination sources

Effective from 2026-09-22.

Business entity insurance producer license

Business entity licence applicable to entities transacting life insurance. The Division assigns no lines of authority to the entity; individual producers must hold the appropriate authority.

Licensing authority: South Dakota Department of Labor and Regulation, Division of Insurance · Application information

New entity licence after lapse exceeding twelve months
No examination is required for this applicant pathway.
Drlp
Designate an actively licensed responsible producer and meet ordinary entity application requirements.
Lapse
More than twelve months after lapse requires a new entity application.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Prescribed entity application and fees through NIPR or SBS.
Drlp
Designate an actively licensed South Dakota insurance producer responsible for compliance.
Individuals
Each individual transacting life insurance requires the appropriate individual licence; the entity itself has no lines of authority.
Residency
Nonresident business entity; applicable nonresident fee and licensing status verification.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Designation
Maintain designated responsible licensed producer; carriers must reappoint reinstated entity.
Lapse
Untimely renewal; reinstate as an individual producer under SDCL 58-30-154 within twelve months.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Drlp
Name the responsible licensed individual; no state renewal fee, but vendor processing fee may apply.
Implementation
Division distinguishes pre-April 2018 entities renewing by July 1 from later entities renewing every two years from original issuance.
Renewal
Biennial prescribed renewal; statutory July 1 deadline or director-approved extension.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Prescribed entity application and fees through NIPR or SBS.
Drlp
Designate an actively licensed South Dakota insurance producer responsible for compliance.
Individuals
Each individual transacting life insurance requires the appropriate individual licence; the entity itself has no lines of authority.
Residency
Resident business entity.

Official no-examination sources

Effective from 2026-09-22.

New business entity application after revocation
No examination is required for this applicant pathway.
Application
Entity application, fee and designated responsible licensed producer; individual producer qualification is not an examination of the entity.
Waiting Period
At least one year after revocation or final affirming court order; director may require good cause.

Official no-examination sources

Effective from 2026-09-22.

Temporary insurance producer license

Temporary authority to service an existing life-insurance business, subject to the director's restrictions and a maximum 180-day term.

Licensing authority: South Dakota Department of Labor and Regulation, Division of Insurance · Application information

Temporary issuance — entity successor
No examination is required for this applicant pathway.
Eligibility
Member or employee of a licensed business entity after death or disability of its designated individual.
Restrictions
Director may restrict authority or require licensed supervision, revoke if public endangered; licence ends when business is disposed of.
Term
Director determines temporary licence necessary for servicing insurance business; maximum 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — military designee
No examination is required for this applicant pathway.
Eligibility
Designee of a licensed producer entering active United States military service.
Restrictions
Director may restrict authority or require licensed supervision, revoke if public endangered; licence ends when business is disposed of.
Term
Director determines temporary licence necessary for servicing insurance business; maximum 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — public interest
No examination is required for this applicant pathway.
Eligibility
Other circumstance in which the director determines issuance best serves the public interest.
Restrictions
Director may restrict authority or require licensed supervision, revoke if public endangered; licence ends when business is disposed of.
Term
Director determines temporary licence necessary for servicing insurance business; maximum 180 days.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — survivor
No examination is required for this applicant pathway.
Eligibility
Surviving spouse or court-appointed representative of a producer who dies or becomes mentally or physically disabled; needed for sale, recovery or replacement personnel.
Restrictions
Director may restrict authority or require licensed supervision, revoke if public endangered; licence ends when business is disposed of.
Term
Director determines temporary licence necessary for servicing insurance business; maximum 180 days.

Official no-examination sources

Effective from 2026-09-22.