How to get a Colorado life & health license
Requirements, exam, fees and the order to do things in — from the Colorado Division of Insurance and the exam handbook.
Step by step
- Complete pre-licensing education — 50 hours from a Colorado-approved provider.
- Schedule and pass the state exam with Pearson VUE ($41). Read the candidate handbook.
- Get fingerprinted if required — Not stated in handbook or NIPR rules; reportedly not required.
- Apply for the license through NIPR or the Colorado Division of Insurance ($44).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Colorado. Some links may be affiliate links.
Colorado Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | 50 hours | 50 hours |
| Exam vendor | Pearson VUE | Pearson VUE |
| Exam fee | $41 | $41 |
| Questions / time | 90 · 120 min | 91 · 120 min |
| License application fee | $44 | $44 |
| Fingerprints | Not stated in handbook or NIPR rules; reportedly not required verify | Not stated in handbook or NIPR rules; reportedly not required verify |
| Continuing education | 24 hours · 2 years | 24 hours · 2 years |
Life: Single CO producer license; 50 hrs per major line (Reg 1-2-05, 3 hrs ethics); $41 covers up to 2 exams in one session; questions = 80 scored + 10 pretest (from content outline); app fee $44 per line of authority; CE 24 hrs/2 yrs incl 3 ethics.
Accident & Health: Separate Life and A&H lines/exams; questions = 80 scored + 11 pretest per outline.
Minimum age 18. Sources: Pearson VUE Colorado Insurance Candidate Handbook · Colorado Insurance Content Outlines (Pearson VUE) · CO Reg 1-2-05 prelicensing education · NIPR Colorado resident licensing. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Colorado licenses
Property & Casualty license · Adjuster license · All Colorado insurance licenses
Questions
How long does it take to get a life and health insurance license in Colorado?
The 50 hours of pre-licensing take most people 1–3 weeks. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Colorado Life & Health license cost?
State fees (exam + application) come to about $170, plus fingerprints and a course if you take one.
Who runs the Colorado insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.