Connecticut
Connecticut insurance licensing: requirements, renewal, and agency rules
Connecticut has no licensing portal of its own, and every resident and non-resident producer application is submitted electronically.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $140
- DOI phone
- 860-297-3800
Overview
Connecticut has no licensing portal of its own, and every resident and non-resident producer application is submitted electronically. Most producer licenses don't require fingerprinting or a background check at all; Surety Bail Bonds Agent is the one exception. Renewal timing is split: individual producer licenses run on a two-year cycle tied to the licensee's birth month, while several specialty licenses (business entities, adjusters, surplus lines) renew on a fixed calendar date instead.
How to get licensed
Complete prelicensing education
Connecticut requires 20 hours of prelicensing study for a single line (Life, Accident & Health/Sickness, Property, Casualty, or Personal Lines) and 40 hours for combined lines (Life/A&H, Property/Casualty). Classroom, self-study, and online formats are all accepted. Holders of certain designations (CLU, ChFC, CIC, CFP, and others, varying by line) can waive the coursework by emailing a current Letter of Designation to cid.licensing@ct.gov within 90 days of applying.
Register for and pass the licensing exam
Connecticut uses Pearson VUE as its exam vendor; reservations must be made at least 24 hours before your test date. Exam fees run $65 for most single-line producer exams and $105 for combined Life/A&H or Property/Casualty exams. CLU holders are exempt from the Life/A&H exam and CPCU holders from the Property/Casualty exam, though the prelicensing waiver is separate and requires its own designation letter.
Skip fingerprinting — it isn't required
CID does not require fingerprinting or a criminal background check for producer licenses. The only license type that does is Surety Bail Bonds Agent.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Connecticut application for the state's $140 fee, pulled from NIPR at the moment of application. Connecticut has no state-run filing portal of its own.
Wait for approval
CID states that normal processing takes about 7 to 10 business days once your application is complete. You can look up your license status through the NAIC State Based Systems lookup linked from CID's licensing page.
Prelicensing education
Life: 20 hours Accident & Health or Sickness: 20 hours Property: 20 hours Casualty: 20 hours Personal Lines: 20 hours Life and Accident & Health/Sickness (combined): 40 hours Property and Casualty (combined): 40 hours Public Adjuster: 40 hours Applicants holding a current professional designation relevant to the line (e.g., CLU, ChFC, CIC, CFP, FLMI, LUTCF for Life; CEBS, HIA, REBC, RHU for A&H; AAI, ARM, CIC, CPCU for P&C/Personal Lines) can waive the prelicensing hours by submitting a Letter of Designation to cid.licensing@ct.gov within 90 days of application. The exam itself is waived only for CLU holders (Life/A&H exam) and CPCU holders (Property/Casualty exam).
Exam
Vendor: Pearson VUE. Fees vary by exam: $65 for most single-line producer exams, $105 for combined Life/A&H or Property/Casualty exams, $60 for Surplus Lines Broker, $65 for Public Adjuster.
Fingerprinting
Not required. CID does not require fingerprinting or a background check for producer licenses; Surety Bail Bonds Agent is the one exception.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license (individual) CID's fee schedule lists one amount for the producer license; it does not publish a separate, lower renewal fee. | $140 | $140 |
| Non-resident producer license (individual) | $140 | $140 |
| Business entity producer license Same fee for resident and non-resident business entities. | $130 | $130 |
| Public Adjuster license | $300 | $300 |
| Surplus Lines Broker license | $675 | $675 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR — Connecticut Resident Licensing, Individual, NIPR — Connecticut Non-Resident Licensing, Individual, NIPR — Connecticut Resident Licensing, Business, CID — License Types, Fees, and Requirements
Renewal & CE
Renewal window — Individual producer licenses renew every two years, tied to the licensee's birth month. Business entity, adjuster, and several specialty licenses instead renew on fixed calendar dates rather than a birth-month cycle.
Grace period: One year from the expiration date to complete outstanding CE and renew; after that window closes, there's no further extension and the license lapses.
The 24 hours apply to the producer license as a whole rather than being split out per line of authority; 3 of those hours must cover laws, regulations, and ethics.
24 total CE hours per renewal term, including 3 ethics hours.
Non-residents in good standing in their home state are exempt from Connecticut CE. Business entity licenses carry no CE requirement, and adjusters have no CE requirement at all. Up to 24 excess hours carry forward into the next cycle.
| Line | Hours | Notes |
|---|---|---|
| Life Settlement Broker | 15 | In Life/A&H/Sickness topics, per two-year cycle. |
For agencies and non-residents
Agencies, appointments & DRLP
Connecticut requires a separate business entity producer license, filed for $130 and renewed on a fixed January 31 date every other year rather than a birth-month cycle. Every business entity must designate at least one Designated Responsible Licensed Producer (DRLP) — someone holding an active Connecticut license matching the entity's license type, listed on the application.
Insurers appoint producers and pay a company appointment renewal fee to CID — $100 for domestic companies, with foreign companies scaled to their home state's premium tax treatment (some reciprocal at $0). Appointment terminations are filed electronically through the NIPR Gateway at no cost.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Anyone transacting insurance business in Connecticut without residing there must hold a Connecticut non-resident license — CID's FAQ states this applies even to occasional business. The application fee is $140, the same as the resident fee, filed through InsureTrek. Producers who move their residency to Connecticut within 90 days of leaving their prior state can carry over an active license there and skip Connecticut's prelicensing hours.
Apply for a non-resident Connecticut license through InsureTrek, plus the state fee.
Official resources
- Connecticut Insurance Department — licensing
- DOI phone: 860-297-3800
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Connecticut Insurance Department or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- CID — Application Process & Requirements FAQ — accessed 2026-08-19
- CID — Changing Resident State (Producer Only) — accessed 2026-08-19
- CID — Company Appointment Fee — accessed 2026-08-19
- CID — Continuing Education FAQ — accessed 2026-08-19
- CID — home page — accessed 2026-08-19
- CID — Licensing — accessed 2026-08-19
- CID — Surplus Lines Broker license type — accessed 2026-08-19
- NIPR — Connecticut Non-Resident Licensing, Individual — accessed 2026-08-19
- NIPR — Connecticut Resident Licensing, Individual — accessed 2026-08-19
- Pearson VUE — Connecticut Insurance Candidate Handbook — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Connecticut?
CID's application fee is $140 for a resident or non-resident individual producer license, filed through InsureTrek for that state fee. On top of that, expect a Pearson VUE exam fee of $65 to $105 depending on your lines of authority. There's no fingerprinting fee for most producer licenses since Connecticut doesn't require a background check for them.
Do I need a prelicensing course before I can sit for the Connecticut exam?
Yes. Connecticut requires 20 hours of prelicensing study for a single line — Life, Accident & Health/Sickness, Property, Casualty, or Personal Lines — and 40 hours for combined lines like Life/A&H or Property/Casualty. Certain professional designations can waive the coursework if you submit a current Letter of Designation to CID within 90 days.
Where do I take the Connecticut insurance licensing exam?
Connecticut uses Pearson VUE. Register and review the candidate handbook at pearsonvue.com/us/en/ct/insurance.html; reservations need to be made at least 24 hours ahead, and there are no walk-ins.
Does Connecticut require fingerprinting for an insurance license?
No, not for producer licenses. CID's own FAQ states it doesn't require fingerprinting or a background check for most license types — Surety Bail Bonds Agent is the one exception.
How do I apply for a Connecticut insurance license?
Through InsureTrek. Connecticut has no licensing portal of its own, and InsureTrek files every resident and non-resident application on your behalf.
How long does it take to get licensed in Connecticut?
CID states normal processing takes about 7 to 10 business days once your application is complete. Your total timeline also depends on how quickly you finish prelicensing and schedule your Pearson VUE exam.
How much continuing education do I need, and when do I renew?
Individual producer licenses renew every two years on your birth month, with 24 CE hours required per cycle, including 3 hours of ethics. Business entity licenses have no CE requirement, and adjusters have none at all. Miss your renewal date and you get a full year to complete outstanding CE before the license lapses.
Do I need a separate license to move to Connecticut as an insurance producer?
If you're relocating from another state, apply for your Connecticut resident license within 90 days of establishing residency and your prelicensing hours are waived based on your prior state's license. Wait longer than that and you'll need to complete Connecticut's prelicensing requirements from scratch.
See how InsureTrek handles Connecticut licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.