Insurance License Courses and Classes Overview

All insurance agents must be state-licensed. Courses toward licensure are often taught at community and technical colleges. At the conclusion of each course, students must pass an exam in order to become state-licensed in that specialty.

Essential Information

Most schools' insurance courses cater to the laws of the state they are in. These courses can prepare individuals for licensure in the categories of property and casualty insurance, health insurance or life insurance. The number of contact hours per course varies according to state licensing requirements. In addition to taking a course and becoming licensed, insurance agents usually have to complete a certain number of continuing education units for licensure renewal.

Common topics covered are:

  • Insurance Terms
  • State Regulations
  • Licensure Requirements
  • Commercial Insurance
  • Personal Insurance

List of Common Courses

Life Insurance Course

In this course, students learn about the many different types of life insurance, such as term life, whole life and universal life. Financial topics, like estate planning and the tax implications of life insurance, are also covered. Some life insurance courses also help students earn licenses to sell variable annuities, which are investment products that pay out as the purchaser reaches retirement age. This course usually consists of 40 hours of classroom study as well as reading and homework.

Health Insurance Course

A health insurance license course covers health insurance principles and regulations, sales techniques and state insurance law. The course also provides an overview of the managed care insurance system as well as the role of the health insurance agent before, during and after the sale. Because health insurance is often sold to customers through their employers, health insurance courses are often bundled with life insurance courses so that agents can work in fields outside of health insurance.

Property and Casualty Insurance Course

This course covers auto, homeowner's and renter's insurance, in addition to any other type of insurance that protects possessions. Course topics include liability and negligence as they apply to state law. The typical property and casualty insurance course takes 30-40 total hours to complete, with online courses available in some states.

Operations of Insurance Companies Course

The legal, financial and accounting duties of an insurance company, which vary by state, are addressed in this class. Principles like coverage of present value, expected rates of return and coverage of expected values are discussed.

Claims Handling Course

In this course, students learn how to ethically and properly handle a variety of insurance claims. This course may be organized according to the specifications of a state licensure board.

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