How to get a Minnesota life & health license
Requirements, exam, fees and the order to do things in — from the Minnesota Department of Commerce and the exam handbook.
Step by step
- Complete pre-licensing education — 20 hours from a Minnesota-approved provider.
- Schedule and pass the state exam with PSI ($45). Read the candidate handbook.
- Get fingerprinted if required — Required for producers and adjusters; $66.75 at PSI site (state+national check).
- Apply for the license through NIPR or the Minnesota Department of Commerce ($50 license + $50 per line (+ up to $10 tech fee)).
- 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 Minnesota. Some links may be affiliate links.
Minnesota Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | 20 hours | 20 hours |
| Exam vendor | PSI | PSI |
| Exam fee | $45 | $45 |
| Questions / time | 120 min | 120 min |
| License application fee | $50 license + $50 per line (+ up to $10 tech fee) | $50 per line |
| Fingerprints | Required for producers and adjusters; $66.75 at PSI site (state+national check) | Required for producers and adjusters; $66.75 at PSI site (state+national check) |
| Continuing education | 24 hours · 2 years | 24 hours · 2 years |
Life: 20 hrs per line (MN Stat 60K.36 subd 4); combined Life/A&H exam $45, 3 hrs; CE 24 hrs incl 3 ethics
Accident & Health: Separate A&H exam or combined L/A&H (3 hrs).
Minimum age 18. Sources: PSI Minnesota Insurance Candidate Information Bulletin · NIPR Minnesota 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 Minnesota licenses
Property & Casualty license · Adjuster license · All Minnesota insurance licenses
Questions
How long does it take to get a life and health insurance license in Minnesota?
The 20 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 Minnesota Life & Health license cost?
State fees (exam + application) come to about $190, plus fingerprints and a course if you take one.
Who runs the Minnesota insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.