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Illinois Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Resident Insurance Producer License — Casualty

Resident individual authority to sell, solicit, or negotiate casualty insurance; the ordinary major-line casualty license.

Licensing authority: Illinois Department of Insurance · Application information

Add casualty authority to an existing producer license

All of the following:

Amendment
The handbook says the Department updates the license upon examination and education notification without another license application and fee.
Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Existing License
Already hold an Illinois producer license for another line.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Complete 20 hours for Casualty, including 7.5 hours in a classroom or webinar; use the course within one year.
Score Window
Pass General and State within 90 days of each other.
Ordinary licensure after a temporary applicant license

All of the following:

Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Complete 20 hours for Casualty, including 7.5 hours in a classroom or webinar; use the course within one year.
Score Window
Pass General and State within 90 days of each other.
Temporary Status
The 90-day temporary applicant license does not waive the ordinary license requirements; obtain the ordinary license before it expires.
Resident licensure on current out of state casualty credentials
No examination is required for this applicant pathway.
Application
Meet applicable Section 500-30 non-examination qualifications and pay fees.
Exemption
Section 500-45 exempts pre-licensing education and licensing examinations; the Board’s implementing instructions apply the exemption.
Other State Examinations
Any examination underlying the other-state license is applicant prior evidence, not an Illinois route examination.
Prior License
Currently licensed for the same casualty line in another state, with good standing established by certification or the producer database.
Residency
When moving to Illinois, apply within 90 days after establishing residence.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure on recently cancelled out of state casualty credentials
No examination is required for this applicant pathway.
Application
Meet applicable Section 500-30 non-examination qualifications and pay fees.
Exemption
Pre-licensing education and examination are waived under Section 500-45.
Prior License
Apply within 90 days after cancellation of a license for the same casualty authority; obtain certification of good standing at cancellation or qualifying producer-database evidence.
Residency
For a relocation, also apply within 90 days after establishing Illinois residence.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure with pre licensing education exemption

All of the following:

Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Education is waived for an accredited college degree in insurance or AAI, ARM, CIC, CRM, or CPCU; submit a copy of the degree or designation certification. The General and State licensing examinations still apply.
Score Window
Pass General and State within 90 days of each other.
Resident initial licensure by examination

All of the following:

Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Complete 20 hours for Casualty, including 7.5 hours in a classroom or webinar; use the course within one year.
Score Window
Pass General and State within 90 days of each other.
Renewal with military service waiver request
No examination is required for this applicant pathway.
Discretion
A request does not itself grant the waiver.
Military Service
Unable to comply with renewal procedures due to military service; request the Director’s waiver.
Remaining Requirements
Comply with the renewal conditions the Director has not waived.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after denial or revocation

All of the following:

Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Eligibility
After a denial or revocation, wait at least three years before applying again and establish rehabilitation; the ordinary licensing requirements apply unless a statutory exemption separately applies.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Complete 20 hours for Casualty, including 7.5 hours in a classroom or webinar; use the course within one year.
Score Window
Pass General and State within 90 days of each other.
Resident restoration after a lapse longer than one year

All of the following:

Application
Submit the Director’s application with true, correct, and complete statements and pay the applicable fees through NIPR.
Application Timing
The Department instructs applicants to wait five days after passing before applying through NIPR.
Bond
Maintain the Section 500-130 bond if placing insurance with an insurer without an agent contract: $2,500 or 5% of prior-year brokered premiums, whichever is greater, capped at $50,000.
Fitness
Meet the rehabilitation and disqualifying-act requirements in 215 ILCS 5/500-30(a)(2) and 500-70; felony decisions follow 500-76.
Lapse
Resident license expired longer than one year; retake all applicable licensing exams and required pre-licensing courses.
Minimum Age
At least 18 years old under 215 ILCS 5/500-30(a)(1).
Prelicensing
Complete 20 hours for Casualty, including 7.5 hours in a classroom or webinar; use the course within one year.
Score Window
Pass General and State within 90 days of each other.
Resident reinstatement within 12 months
No examination is required for this applicant pathway.
Application
Apply through NIPR.
Continuing Education
All required CE credits must be up-to-date.
Deadline
Within 12 months after the renewal-fee due date.
Penalty
Pay double the unpaid renewal fee after the due date, plus applicable NIPR transaction charges.

Official no-examination sources

Effective from 2026-09-22.

Resident producer renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 24 hours each renewal cycle, including 3 classroom or webinar ethics hours; eligible association participation may provide up to 4 hours. Maintain course records for three years.
Course Assessments
Self-study course completion assessments are educational conditions; no separately identified professional licensing examination is specified for renewal.
Payment
Pay the renewal fee and submit the electronic NIPR renewal.
Timing
The rule advises course completion one month before renewal; the Department asks for CE compliance at least ten business days before renewal.

Official no-examination sources

Effective from 2026-09-22.

IL Casualty Producer General

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
50 scored plus 5 pretest questions
Time limit
75 Minutes
Passing score
Scaled score of 70; not percentage correct
Exam fee
$92 each; $92 discount when associated General and State exams are ordered together
Examination outline
  • I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
    • A. Commercial general liability
    • A.1. Commercial general liability — Exposures
    • A.1.a. Commercial general liability — Exposures — Premises and Operations
    • A.1.b. Commercial general liability — Exposures — Products and Completed Operations
    • A.2. Commercial general liability — Coverage
    • A.2.a. Commercial general liability — Coverage — Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A.2.b. Commercial general liability — Coverage — Coverage B: Personal Injury and Advertising Injury
    • A.2.c. Commercial general liability — Coverage — Coverage C: Medical Payments
    • A.2.d. Commercial general liability — Coverage — Supplemental Payments
    • A.2.e. Commercial general liability — Coverage — Who is an insured
    • A.2.f. Commercial general liability — Coverage — First named insured
    • A.2.g. Commercial general liability — Coverage — Limits (Per occurrence, Annual Aggregate)
    • A.2.h. Commercial general liability — Coverage — Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B.1. Automobile — Liability
    • B.1.a. Automobile — Liability — Bodily Injury
    • B.1.b. Automobile — Liability — Property Damage
    • B.1.c. Automobile — Liability — Split Limits
    • B.1.d. Automobile — Liability — Combined Single Limit
    • B.2. Automobile — Medical Payments
    • B.3. Automobile — Physical Damage (collision; other than collision; specified perils)
    • B.4. Automobile — Uninsured motorists
    • B.5. Automobile — Underinsured motorists
    • B.6. Automobile — Who is an insured
    • B.7. Automobile — Types of Auto
    • B.7.a. Automobile — Types of Auto — Owned
    • B.7.b. Automobile — Types of Auto — Non-owned
    • B.7.c. Automobile — Types of Auto — Hired
    • B.7.d. Automobile — Types of Auto — Temporary Substitute
    • B.7.e. Automobile — Types of Auto — Newly Acquired Autos
    • B.7.f. Automobile — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • B.8. Automobile — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B.9. Automobile — Exclusions
    • B.10. Automobile — Individual Insured and Drive Other Car (DOC)
    • B.11. Automobile — Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (Specifics of state law are addressed elsewhere in this outline.)
    • C.1. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Standard policy concepts
    • C.1.a. Workers Compensation — Standard policy concepts — Who is an employee/employer
    • C.1.b. Workers Compensation — Standard policy concepts — Compensation
    • C.2. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Work-related vs. non-work-related
    • C.3. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Other states’ insurance
    • C.4. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Employers Liability
    • C.5. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Exclusive remedy
    • C.6. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues — Premium Determination
    • D. Crime
    • D.1. Crime — Employee Dishonesty
    • D.2. Crime — Theft
    • D.3. Crime — Robbery
    • D.4. Crime — Burglary
    • D.5. Crime — Forgery and Alteration
    • D.6. Crime — Mysterious disappearance
    • E. Bonds
    • E.1. Bonds — Surety
    • E.2. Bonds — Fidelity
    • F. Professional liability
    • F.1. Professional liability — Errors and Omissions
    • F.2. Professional liability — Medical Malpractice
    • F.3. Professional liability — Directors and Officers (D&O)
    • F.4. Professional liability — Employment Practices Liability (EPLI)
    • F.5. Professional liability — Cyber liability and data breach, funds transfer
    • F.6. Professional liability — Liquor liability
    • G. Umbrella/Excess Liability
    • H. Businessowners Policy (BOP)
  • II. INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Risk
    • B. Hazards
    • B.1. Hazards — Moral
    • B.2. Hazards — Morale
    • B.3. Hazards — Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E.1. Loss valuation — Actual cash value
    • E.2. Loss valuation — Replacement cost
    • E.3. Loss valuation — Market value
    • E.4. Loss valuation — Stated/agreed value
    • E.5. Loss valuation — Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R.1. Damages — Compensatory
    • R.1.a. Damages — Compensatory — General
    • R.1.b. Damages — Compensatory — Special
    • R.2. Damages — Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • III. POLICY PROVISIONS (12 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Other insurance
    • L. Subrogation
    • M. Loss settlement provisions including consent to settle a loss
    • N. Terrorism Risk Insurance Act (TRIA)
Examination sources

IL Casualty Producer State

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
37 scored plus 5 pretest questions
Time limit
55 Minutes
Passing score
Scaled score of 70; not percentage correct
Exam fee
$92 each; $92 discount when associated General and State exams are ordered together
Examination outline
  • I. ILLINOIS STATUTES AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE (22 scored questions)
    • A. Insurance Director (1–2 questions)
    • A.1. Insurance Director — General powers
    • A.2. Insurance Director — Examinations
    • B. License and registration (5–13 questions)
    • B.1. License and registration — Persons required to be licensed
    • B.1.a. License and registration — Persons required to be licensed — Insurance producers
    • B.1.b. License and registration — Persons required to be licensed — Nonresidents
    • B.1.c. License and registration — Persons required to be licensed — Business entities
    • B.1.d. License and registration — Persons required to be licensed — Temporary insurance producers
    • B.1.e. License and registration — Persons required to be licensed — Exemptions
    • B.1.f. License and registration — Persons required to be licensed — Reinstatement
    • B.2. License and registration — Obtaining a license
    • B.2.a. License and registration — Obtaining a license — Qualifications
    • B.2.b. License and registration — Obtaining a license — License fees
    • B.2.c. License and registration — Obtaining a license — Bond requirements
    • B.3. License and registration — Maintaining a license
    • B.3.a. License and registration — Maintaining a license — Continuing education
    • B.3.b. License and registration — Maintaining a license — Controlled business
    • B.3.c. License and registration — Maintaining a license — Change of address
    • B.3.d. License and registration — Maintaining a license — Required fees
    • B.4. License and registration — License suspension, revocation or denial
    • B.4.a. License and registration — License suspension, revocation or denial — Felony convictions
    • C. Fiduciary responsibilities (1–3 questions)
    • D. Commissions and compensation (0–1 questions)
    • E. Disclosure (0–1 questions)
    • F. Marketing practices (2–6 questions)
    • F.1. Marketing practices — Rebating
    • F.2. Marketing practices — Misrepresentation
    • F.3. Marketing practices — Defamation
    • F.4. Marketing practices — Other unfair practices
    • F.5. Marketing practices — Unfair claims practices
    • G. Illinois Insurance Guaranty Fund (0–1 questions)
  • II. ILLINOIS STATUTES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE (5 scored questions)
    • A. Renewal, nonrenewal, cancellation and Certificates of Insurance (1–4 questions)
    • B. Financing insurance premiums (0–1 questions)
    • C. Insurance Claims Fraud Prevention Act (0–1 questions)
    • D. Use of credit information (0–1 questions)
    • E. Hate crimes (0–1 questions)
  • III. ILLINOIS STATUTES AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (10 scored questions)
    • A. Auto (7–9 questions)
    • A.1. Auto — Uninsured motorists coverage
    • A.2. Auto — Underinsured motorists coverage
    • A.3. Auto — Illinois Automobile Insurance Plan (assigned risk)
    • A.3.a. Auto — Illinois Automobile Insurance Plan (assigned risk) — Insurance company’s participation
    • A.3.b. Auto — Illinois Automobile Insurance Plan (assigned risk) — Insured’s participation
    • A.4. Auto — Defensive driving discount–age 55 and over
    • A.5. Auto — Antitheft mechanism
    • A.6. Auto — Financial responsibility surcharge
    • A.7. Auto — Equipment exclusion
    • A.8. Auto — Persons with physical disabilities
    • A.9. Auto — Disclosure of liability coverage
    • A.10. Auto — Surcharge or refusal to insure
    • A.11. Auto — Oral estimate of premium charges
    • A.12. Auto — Mandatory auto coverage
    • A.13. Auto — Financial/Safety responsibility filing
    • A.14. Auto — Child restraint system
    • A.15. Auto — Fraudulent Address
    • B. Worker’s Compensation Assigned Risk Pool (1–2 questions)
    • B.1. Worker’s Compensation Assigned Risk Pool — Definitions
    • B.2. Worker’s Compensation Assigned Risk Pool — Renewal and Cancellation
    • B.3. Worker’s Compensation Assigned Risk Pool — Premium Determination
Examination sources