Minnesota Insurance Prelicensing Requirements

MINNESOTA INSURANCE PRELICENSING INFORMATION

Minnesota requires potential agents take and complete a state approved prelicensing course before taking their licensing exam.

 

LINE OF AUTHORITYREQUIRED HOURS OF STUDY
Life Only*20 hours
Accident & Health Only*20 hours
Casualty Broker Only*20 hours
Property Broker Only*20 hours
Personal Lines Broker Agent20 hours
*ExamFX offers these courses

HOW DO I COMPLETE MY EXAMFX PRELICENSING EDUCATION COURSE?

To earn your certificate of completion, you must:

  • Complete all Study by Topic reading chapters and Study by Topic quizzes. Study by Topic quizzes must be passed with a score of 70% or better. All Study by Topic reading and quizzes must be completed in order and before the simulated exam may be accessed.
  • Complete and pass the simulated exam with a score of 70% or better.
  • Spend the total amount of the required hours in the course study materials. Time spent within the courses will be tracked by a mass timer.
  • After completing the previously mentioned portions of the course, complete and pass the certificate exam with a score of 70% or better with a proctor/disinterested third party present. The disinterested third party chosen by the licensee to monitor your simulated exam must have no financial interest in the success or failure of a licensee maintaining an insurance license and must not be a minor, relative, supervisor, or an employee under your line of supervision.

DON'T FORGET YOUR GUARANTEE EXAM!

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

HOW DO I GET MY LICENSE?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account. Certificate population may be delayed by a short period time due to need for proctor validation.

Step 2: Schedule your exam with your state’s testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at www.pearsonvue.com. You can also schedule your exam over the phone at (888) 273-1946. Your examination fee is $39 per examination attempt.

To cancel or reschedule your exam appointment you must contact Pearson VUE Exams at least 48 hours in advance of your scheduled appointment or forfeit your examination fee.

The state of Minnesota requires fingerprints accompany licensing applications. For additional information regarding fingerprinting methods please see the candidate handbook published by PearsonVUE.

Step 3: Take and pass you state licensing exam. On the day of your appointment you must bring with you two valid forms of government issued identification (driver’s license, passport, military I.D., etc.) one of which must contain your name, photograph, and signature. The other must contain your signature and legal name. You must also supply your certificate of completion as proof of prelicensing education completion. You will not be able to take your exam if these requirements are not met.

Security measures are taken at the testing site. Restrictions on what you may bring with you to the testing center, into the testing room, and what you may wear will be enforced. For more detailed information about the security measures that will be taken during your testing appointment, please read and review the candidate bulletin.

Once you have passed your examination you will receive a unofficial score report printed at the examination site.

Step 4: Apply for your license after submitting your fingerprints. Minnesota resident applicants may apply for their license via Sircon.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

WHAT WILL MY EXAM BE LIKE?

Your exam experience is dependent on the line of authority you are testing for. Carefully review the below examination breakdowns to learn important factors like:

 

  1. the number of questions on your exam
  2. the time limit
  3. the subjects that you will be tested on
  4. the score that you must achieve to pass the exam

 

Minnesota exams are unique because they include additional chapters that provide an overview of all the major lines of authority: life, accident & health, property, and casualty insurance. Although these chapters are not part of the state exam content outline, they are required by state as part of prelicensing education and will appear on your practice tests and the certificate exam.

The additional chapters are as follows and each accounts for 1% of all the exams in the study program:

  • Life Overview - Types of Policies
  • Life Overview - Policy Provisions
  • Life Overview - Group Insurance
  • Accident & Health Overview - Types of Policies
  • Accident & Health Overview - Policy Provisions
  • Accident & Health Overview - Group Insurance
  • Property Overview - Types of Policies
  • Property Overview - Policy Provisions
  • Property Overview - Perils, Exclusions, Deductibles, and Liability
  • Property Overview - Evaluating Needs
  • Casualty Overview - Types of Policies
  • Casualty Overview - Policy Provisions
  • Casualty Overview - Perils, Exclusions, Deductibles, and Liability
  • Casualty Overview - Evaluating Needs


Minnesota Life Insurance
90 Questions (75 scored, 15 pretest)
Time limit: 2 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Completing the Application, Underwriting, and Delivering the Policy16%
Types of Life Policies 16%
Life Policy Provisions, Riders, Options and Exclusions 24%
Taxes, Retirement, and Other Insurance Concepts 10%
STATE LAW
Minnesota Laws, Rules, and Regulations Common to All Lines 27%
Minnesota Laws, Rules, and Regulations Pertinent to Life Only 7%

Minnesota Accident and Health Insurance
90 Questions (75 scored, 15 pretest)
Time limit: 2 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Field Underwriting Procedures12%
Types of Health Policies 18%
Health Policy Provisions, Clauses, and Riders 27%
Social Insurance4%
Other Health Insurance Concepts 5%
GENERAL KNOWLEDGE
Minnesota Laws, Rules, and Regulations Common to All Lines 27%
Minnesota Laws, Rules, and Regulations Pertinent to Health Only 7%

Minnesota Life, Accident and Health Insurance
145 Questions (130 scored, 15 pretest)
Time limit: 3 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Completing the Application, Underwriting, and Delivering the Policy 9%
Types of Life Policies 9%
Life Policy Provisions, Clauses, and Riders 14%
Taxes, Retirement, and Other Insurance Concepts 6%
Field Underwriting Procedures 7%
Types of Health Policies 15%
Social Insurance2%
Other Health Insurance Concepts 3%
STATE LAW
Minnesota Laws, Rules, and Regulations Common to All Lines 15%
Minnesota Laws, Rules, and Regulations Pertinent to Life Only 4%
Minnesota Laws, Rules, and Regulations Pertinent to Health Only 4%

Minnesota Property Insurance
90 Questions (75 scored, 15 pretest)
Time limit: 2 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Property Insurance Terms and Related Concepts 19%
Policy Provisions and Contract Law 14%
Types of Property Policies 33%
STATE LAW
Minnesota Laws, Rules and Regulations Common to All Lines 27%
Minnesota Laws, Rules and Regulations Pertinent to Property Only 7%

Minnesota Casualty Insurance
90 Questions (75 scored, 15 pretest)
Time limit: 2 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Insurance Terms and Related Concepts 19%
Policy Provisions14%
Types of Policies, Bonds and Related Terms33%
Minnesota Laws, Rules and Regulations Common to All Lines 27%
Minnesota Laws, Rules and Regulations Pertinent to Casualty Only 7%

Minnesota Property and Casualty Insurance
145 Questions (130 scored, 15 pretest)
Time limit: 3 hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
GENERAL KNOWLEDGE
Insurance Terms and Related Concepts 22%
Policy Provisions and Contract Law 17%
Types of Property Policies 19%
Types of Casualty Policies, Bonds and Related Concepts 19%
STATE LAW
Minnesota Laws, Rules, and Regulations Common to All Lines 15%
Minnesota Laws, Rules, and Regulations Pertinent to Property Only 4%
Minnesota Laws, Rules, and Regulations Pertinent to Casualty Only 4%

I FAILED MY EXAM. NOW WHAT?

We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: Reschedule your exam. You must re-register by following the initial registrations and scheduling steps after a 24 hour waiting period.

Step 2: ExamFX’s subject matter experts are available by email at [email protected] to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 3: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!

MORE QUESTIONS?

ExamFX recommends that you contact your Department of Insurance or testing center directly.

For licensing questions:
Minnesota Department of Commerce
Division of Insurance
85 7th Place E, Suite 500
St. Paul, MN 55101-2198
Phone: 651-539-1599
Email: [email protected]
Web: mn.gov/commerce

For questions about the examination:

Pearson VUE/Minnesota Program
Attn: Regulatory Program
5601 Green Valley Dr.
Bloomington, MN 55437
(833) 273 1946
Website: www.pearsonvue.com

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.