How to get an insurance license in Pennsylvania

Pennsylvania’s Insurance Department Act no longer requires a prelicensing course for an insurance producer license.¹² You pass a PSI exam, apply online and get fingerprinted at IdentoGO.³ To act for an insurer, you also need its appointment.⁴

As of October 2026, the combined Property and Casualty exam costs $55, and the resident application fee is also $55.⁵⁶ You must apply within one year of passing.⁵

This page covers the resident individual license with the Property and Casualty lines. Nonresident, business entity, personal lines and other licenses aren’t covered.

At a glance

Item	Detail
License	Insurance Producer Resident - Individual, with the Property and Casualty lines of authority67
Prelicensing course	Deleted from the Act by Act 142 of 2024; not a step on PID’s process page123
Exam vendor	PSI53
Exam series	16-06 Property and Casualty, or 16-04 Property and Allied Lines and 16-05 Casualty and Allied Lines5
Questions (16-06)	150 items, plus 5 to 10 unscored experimental questions PSI may add85
Time (16-06)	170 minutes8
Passing score	70%5
Exam fee	$55 for 16-06; $45 each for 16-04 and 16-05, as of October 202659
Fingerprints	IdentoGO, service code 1KGBGJ, after you pass and apply35
Fingerprint fee	Paid at the IdentoGO center; amount not listed by PID or PSI35
Application fee	$55, as of October 2026610
Apply within	One year of passing the exam511
Continuing education	24 hours every two years, including 3 in ethics and 2 in flood insurance12

The steps in order

The first five steps follow the order of the Pennsylvania Insurance Department (PID) licensing process page.³ The sixth comes from the Act.⁴

1. Check your eligibility if you have a criminal record. PID offers an optional preliminary review for prospective agents with criminal records.³
2. Pass the PSI exam. Book online at PSI’s Pennsylvania site or call 1-888-818-5822.³
3. Apply on Sircon or NIPR. You can apply right after passing, at the test site’s kiosk or on your own computer.³⁵
4. Get fingerprinted at IdentoGO. Register with PID’s service code 1KGBGJ, but only after you have passed and applied.³⁵
5. Check your status, then print your license. Use PID’s Producer Application Status Lookup Tool; PID no longer mails licenses.³
6. Get appointed by each insurer you will act for.⁴

Prelicensing education

The Act used to require 24 credit hours of approved preexamination courses before you applied for the exam.¹ Act 142 of 2024 deleted that requirement.¹ Section 604-A(a) now says you must pass the licensing exam for your lines before you apply for a license.²

Act 142 was approved on October 31, 2024, and says it takes effect in 180 days.¹ In an April 16, 2026 news release, PID says it worked on Act 142 to remove prelicensing education requirements for first-time applicants.¹³

You can use study materials of your choice; neither PID nor PSI reviews or approves them.⁵

The exam

Under the Act, Property and Casualty are separate lines of authority.⁷ PID has contracted with PSI to run its exam program.⁵

You can take one exam per line, or the combined exam for both.⁵ The combined exam covers the content of both single-line exams, and you must pass it as a whole to be licensed in either line.⁵

• Series: 16-06 Property and Casualty; 16-04 Property and Allied Lines; 16-05 Casualty and Allied Lines.⁵ PSI also lists Spanish and Chinese versions.¹⁴
• Length: 16-06 has 150 items and a 170-minute limit.⁸ 16-04 and 16-05 each have 100 items and 120 minutes.¹⁵¹⁶
• Experimental questions: PSI may add 5 to 10 of them.⁵ They aren’t scored, and the time limit allows for them.⁵
• Passing score: 70%.⁵
• Fee: As of October 2026, $55 for 16-06 and $45 each for 16-04 and 16-05.⁵⁹ Exam fees aren’t refundable or transferable.⁵
• Where: At a PSI test center or online with a live remote proctor.¹⁴ Remote exams need a smartphone as a second camera, and breaks aren’t allowed.¹⁷⁵
• ID: Bring one valid, unexpired, government-issued ID with your photo and signature.³⁵ The name must match your registration.³⁵
• Arrival: Arrive 30 minutes early.⁵ You forfeit the fee if you miss the appointment, arrive after the start time or lack proper ID.⁵
• Changes: To keep your fee, PSI must get your cancellation 2 days before the exam date.⁵ Voicemail and email don’t count.⁵
• Retakes: There’s no limit on attempts.⁵ You can’t book a new exam on the day you tested, but you can call the next day.⁵ As of October 2026, the 16-06 retake fee is $55.⁹

Fingerprints

Every applicant for a new resident producer license must be fingerprinted at an IdentoGO enrollment center.³ PID uses the prints to get national criminal history information from the FBI.³¹⁰

Wait until you have passed and applied.³⁵ PID won’t accept results received without a corresponding license application, and you would have to resubmit prints and repay the fee.³

Register on IdentoGO’s website or by phone at 844-321-2101, using PID’s service code 1KGBGJ.³ Take the registration number you receive to the center.³

You pay at the center after your prints are submitted, by credit card, debit card, certified check or money order.³ Cash and personal checks aren’t accepted.³ Neither PID’s page nor PSI’s booklet lists the amount, so confirm it when you register.³⁵

The application

Apply online through Sircon or NIPR.³ As of October 2026, the initial fee for a resident individual producer license is $55.⁶¹⁰

As of October 2026, PSI’s booklet says online service fees are charged when you apply electronically.⁵ It says they may vary and gives $12.50 as the approximate fee.⁵

To be licensed, you must be at least 18, pass the exam for your lines and pay the fees.¹⁸ You also can’t have committed an act the Act prohibits, and PID must find you fit, competent and reliable.¹⁸ A resident license is for applicants whose principal residence or business is in Pennsylvania.¹⁰

Your application must list your lines of authority and include your fingerprints, proof that you passed and the fees.¹⁰

Apply within one year of passing.⁵ Test results are valid for one year from the passing date, and PID rejects applications with older results.¹¹

After you’re licensed

You can’t act for an insurer unless it appoints you, and the insurer files the notice of appointment with PID.⁴ A Pa. Code rule says the insurer must submit it electronically within 30 days of the appointment’s effective date.¹⁹

Your license runs two years, based on your birth month.⁶ As of October 2026, timely renewal costs $55, and adding a line of authority costs $25.⁶ Adding a line to an existing resident license doesn’t require new fingerprints.³

You need 24 hours of approved continuing education each two-year license period.¹²²⁰ At least 3 must be on ethics, and licensees with a property and casualty line need at least 2 on flood insurance.¹² If you’re newly licensed, meet both by the end of your first license period.¹²

Courses taken before your license is issued don’t count.⁵ PID says missing the minimum results in the voluntary termination of your license.²⁰ Report name or address changes, and criminal charges or convictions, to PID within 30 days.⁵

Where the sources differ

• Prelicensing education in the Pa. Code: § 39a.7(f) still says preexamination education credits are valid for one year.²¹ § 37a.12(d) still excuses licensed producers from “the pre-examination education requirement described under section 604-A(b)” before testing for another line.²² Act 142 deleted section 604-A(b), and § 37a.7(b) tells applicants to follow section 604-A for license prerequisites.¹²¹¹
• Prelicensing education at PID: PID’s eligibility text still mentions prelicensing education in passing, but its process page has no course step.³ PID’s April 2026 news release describes Act 142 as legislation to remove those requirements.¹³ PID issues the license, so follow its process page.¹⁸³

StudyWren is an independent study tool and isn’t affiliated with the Pennsylvania Insurance Department, PSI or any insurer.

Sources

1. Act of Oct. 31, 2024, P.L. 1155, No. 142 (SB 1241), amending the Insurance Department Act of 1921, Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&SessYr=2024&ActNum=0142.&SessInd=0 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

2. The Insurance Department Act of 1921, Section 604-A (40 P.S. § 310.4), “License prerequisites” (as amended Oct. 31, 2024, P.L.1155, No.142), Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=4&subsctn=0 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴

3. Pennsylvania Insurance Department, “Initial Insurance Producer Licensing Process” (no revision date shown). https://www.pa.gov/agencies/insurance/licensing/licensees/initial-insurance-producer-licensing-process Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰ ↩²¹ ↩²² ↩²³ ↩²⁴ ↩²⁵ ↩²⁶

4. The Insurance Department Act of 1921, Section 671-A (40 P.S. § 310.71), “Appointments,” Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=71&subsctn=0 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴

5. PSI Services LLC, “Pennsylvania Insurance Department Licensing Examination Candidate Information Booklet” (PDF; effective 2026-01-22, copyright 2026; PDF modified 2026-01-22). https://test-takers.psiexams.com/api/content/bulletin/7286 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰ ↩²¹ ↩²² ↩²³ ↩²⁴ ↩²⁵ ↩²⁶ ↩²⁷ ↩²⁸ ↩²⁹ ↩³⁰ ↩³¹ ↩³² ↩³³ ↩³⁴ ↩³⁵ ↩³⁶ ↩³⁷ ↩³⁸

6. Pennsylvania Insurance Department, “Apply for or Renew a Pennsylvania Insurance License” (no revision date shown). https://www.pa.gov/services/insurance/apply-for-or-renew-a-pennsylvania-insurance-license Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

7. The Insurance Department Act of 1921, Section 601-A (40 P.S. § 310.1), “Definitions,” Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=1&subsctn=0 Accessed 2026-10-25. ↩ ↩²

8. PSI, “Pennsylvania Producer’s Examination for Property and Casualty Insurance, Series 16-06,” content outline (PDF; listed in the booklet as effective 2026-03-01; PDF created 2026-01-22). https://proctor2.psionline.com/media/programs/PAINS/16-06xx.pdf Accessed 2026-10-25. ↩ ↩² ↩³

9. PSI, “PA Property and Casualty,” test details (no date shown). https://test-takers.psiexams.com/pain/test/ERGLDJ6L Accessed 2026-10-25. ↩ ↩² ↩³

10. The Insurance Department Act of 1921, Section 605-A (40 P.S. § 310.5), “Application for insurance producer license,” Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=5&subsctn=0 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴ ↩⁵

11. 31 Pa. Code § 37a.7, “General application requirements” (Chapter 37a added effective 2025-02-11, 54 Pa.B. 8072; site current through 56 Pa.B. 5370, 2026-08-08). https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter37a/s37a.7.html&d=reduce Accessed 2026-10-25. ↩ ↩² ↩³

12. The Insurance Department Act of 1921, Section 608-A (40 P.S. § 310.8), “License renewals” (subsection (b) as amended Oct. 31, 2024, P.L.1155, No.142), Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=8&subsctn=0 Accessed 2026-10-25. ↩ ↩² ↩³ ↩⁴

13. Pennsylvania Insurance Department, “Shapiro Administration’s Faster Licensing Process for Insurance Agents Helps Grow Workforce by 33,000 Jobs since 2023” (news release, 2026-04-16). https://www.pa.gov/agencies/insurance/newsroom/shapiro-admin-faster-licensing-insurance-agents-helps-grow-workforce-since-2023 Accessed 2026-10-25. ↩ ↩²

14. PSI, “Tests,” Pennsylvania Insurance (no date shown). https://test-takers.psiexams.com/pain/test Accessed 2026-10-25. ↩ ↩²

15. PSI, “Pennsylvania Producer’s Examination for Property Insurance, Series 16-04,” content outline (PDF; listed in the booklet as effective 2026-03-01; PDF created 2026-01-22). https://proctor2.psionline.com/media/programs/PAINS/16-04xx.pdf Accessed 2026-10-25. ↩

16. PSI, “Pennsylvania Producer’s Examination Casualty Insurance, Series 16-05,” content outline (PDF; listed in the booklet as effective 2026-03-01; PDF created 2026-01-22). https://proctor2.psionline.com/media/programs/PAINS/16-05xx.pdf Accessed 2026-10-25. ↩

17. PSI, “General Information,” Pennsylvania Insurance (no date shown). https://test-takers.psiexams.com/pain Accessed 2026-10-25. ↩

18. The Insurance Department Act of 1921, Section 606-A (40 P.S. § 310.6), “Licensing,” Pennsylvania General Assembly. https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&yr=1921&sessInd=0&smthLwInd=0&act=285&chpt=6A&sctn=6&subsctn=0 Accessed 2026-10-25. ↩ ↩² ↩³

19. 31 Pa. Code § 37a.21, “Appointments and termination of appointments” (Chapter 37a added effective 2025-02-11, 54 Pa.B. 8072; site current through 56 Pa.B. 5370, 2026-08-08). https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter37a/s37a.21.html&d=reduce Accessed 2026-10-25. ↩

20. Pennsylvania Insurance Department, “Continuing Education Requirements” (no revision date shown). https://www.pa.gov/agencies/insurance/licensing/licensees/continuing-education-requirements Accessed 2026-10-25. ↩ ↩²

21. 31 Pa. Code § 39a.7, “Credit hours” (Chapter 39a adopted effective 2011-04-01, 41 Pa.B. 592; site current through 56 Pa.B. 5370, 2026-08-08). https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter39a/s39a.7.html&d=reduce Accessed 2026-10-25. ↩

22. 31 Pa. Code § 37a.12, “Lines of authority” (Chapter 37a added effective 2025-02-11, 54 Pa.B. 8072; site current through 56 Pa.B. 5370, 2026-08-08). https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter37a/s37a.12.html&d=reduce Accessed 2026-10-25. ↩