Steps to Become an Insurance Agent
A career as an insurance agent offers flexibility, unlimited earning potential, and the chance to make a real impact by helping people protect what matters most. Agents gain independence, build lasting client relationships, and create a sustainable business with room to grow.
1. Meet Basic Requirements
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Be at least 18 years old
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Have a high school diploma (or equivalent)
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Pass a background check (some states restrict for certain criminal convictions)
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2. Choose the Type of Insurance You Want to Sell
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Life & Health (includes Medicare, life insurance, annuities, disability, long-term care)
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Property & Casualty (home, auto, renters, business insurance)
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You can pursue one line of authority first, then add others later.
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3. Complete Pre-Licensing Education
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Most states require 20–52 hours of coursework per line of authority
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Classes can be taken online or in-person through approved providers (ExamFx)
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Topics cover insurance fundamentals, ethics, state laws, and product-specific knowledge
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4. Pass the State Licensing Exam
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Schedule your exam with the state testing provider (e.g., Pearson VUE, Prometric)
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Exams are typically multiple choice
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Passing scores usually require 70% or higher
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5. Apply for Your Insurance License
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Submit an application to your state’s Department of Insurance
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Pay the application fee
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Provide fingerprints/background check (varies by state)
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6. Obtain Errors & Omissions (E&O) Insurance
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Protects you against mistakes or omissions when advising clients
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Required by most carriers before contracting
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7. Get Appointed with Insurance Carriers
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Once licensed, you must be “appointed” by each insurance company you plan to sell for
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Carriers review your background, run contracting paperwork, and issue your writing number
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8. Maintain Continuing Education (CE)
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Most states require CE every 1–2 years (e.g., 24 hours, including ethics)
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Stay compliant to keep your license active
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Join Windermere Financial
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Apply Online – Quick form to get started
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Get Contracted – Licensing & carrier setup
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Start Selling – With full support and your own portal
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Windermere Financial is here every step of the way.
Ready to take the next step? Our team is here to answer questions and guide you through the contracting process. Reach out today and let’s start building your future with Windermere Financial.
Want to explore before applying? Discover how Windermere Financial supports agents with top carriers, modern tools, and hands-on guidance. Learn how you can grow your business with confidence and independence.