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Colorado Health 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.

colorado agency producer license

Agency/business entity licence; licensed individuals are applicant conditions.

Licensing authority: Colorado Division of Insurance · Application information

Add accident and health authority to an agency licence
No examination is required for this applicant pathway.
Application
Authority-amendment application and fee.
Existing Licence
Agency producer licence.
Registered Individual
Register an individual holding valid health authority.

Official no-examination sources

Effective from 2026-09-22.

Agency licence continuation
No examination is required for this applicant pathway.
Continuation
Every two years; handbook states expiry two years from the first day of the issue month.
Fee
Pay continuation fees.
Registration
Maintain responsible producer and registered licensed individuals.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency initial licensure
No examination is required for this applicant pathway.
Application
Authorized representative submits agency application and fee.
Disclosure
Disclose required officers, partners and directors and satisfy fitness criteria.
Home Licence
Corresponding licence in good standing and principal office outside Colorado; nonresident reciprocity requirements.
Registered Individual
Register at least one valid accident and health individual producer; individual licences are conditions, not exam leaves.
Residency
Nonresident agency/business entity.
Responsible Producer
Designate a Colorado-licensed officer, partner or director responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Agency reapplication after revocation or disciplinary surrender
No examination is required for this applicant pathway.
Qualification
Meet C.R.S. 10-2-404(2), including fitness and currently licensed registered producers.
Waiting Period
Two years after revocation or surrender to avoid discipline under C.R.S. 10-2-801(5).

Official no-examination sources

Effective from 2026-09-22.

Agency reinstatement
No examination is required for this applicant pathway.
Application
New agency application and initial fee after expiration.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(C)(1)-(2): 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and payment of the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Registration
Meet C.R.S. 10-2-404(2) licensed-individual requirements.
Statutory Boundary
C.R.S. 10-2-402(1) makes resident individuals the examination applicants; agency qualifications in 10-2-404(2) require licensed individuals as conditions.

Official no-examination sources

Effective from 2026-09-22.

Agency relicensing after principal office relocation
No examination is required for this applicant pathway.
Relicensing
Apply under Part 5 nonresident qualifications; retain required licensed individuals.
Relocation
Notify commissioner within ten days of principal-address move to another jurisdiction; return licence for cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident agency initial licensure
No examination is required for this applicant pathway.
Application
Authorized representative submits agency application and fee.
Disclosure
Disclose required officers, partners and directors and satisfy fitness criteria.
Registered Individual
Register at least one valid accident and health individual producer; individual licences are conditions, not exam leaves.
Residency
Resident agency/business entity.
Responsible Producer
Designate a Colorado-licensed officer, partner or director responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

insurance producer license

Individual producer licence; resident and nonresident applicant routes are distinguished below.

Licensing authority: Colorado Division of Insurance · Application information

Add accident and health authority
Accident and Health
Age
At least eighteen years of age.
Application
Additional-authority application, documentation and fee under C.R.S. 10-2-414.
Education
Applicable health prelicensing education unless exempt.
Existing Licence
Colorado producer requesting health authority not previously held.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Resident reinstatement with hardship waiver request
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Board Handbook Demand
July 2026 handbook page 5: 2. Applicants applying to reinstate a cancelled or expired Colorado license that has been inactive for less than one (1) year from the application submission date are exempt from taking the examination for the authorities previously held.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(C)(1)-(2): 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and payment of the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Hardship
Military service, long-term medical disability or another circumstance the commissioner deems appropriate.
Prior Authority
Previously held same accident and health authority.
Waiver
May request discretionary waiver of continuation procedures, examination requirements, fines or sanctions under C.R.S. 10-2-408(7).

Official no-examination sources

Effective from 2026-09-22.

Nonresident licence continuation
No examination is required for this applicant pathway.
Continuation
Every two years on the last day of the birth month; meet education and fee requirements before the due date.
Education
Home continuing education satisfies Colorado on the reciprocal basis of C.R.S. 10-2-501(2).
Residency
Nonresident producer.

Official no-examination sources

Effective from 2026-09-22.

Resident licence continuation
No examination is required for this applicant pathway.
Continuation
Every two years on the last day of the birth month; meet education and fee requirements before the due date.
Education
Twenty-four credits per continuation cycle starting with the second cycle; first cycle exempt.
Residency
Resident producer.

Official no-examination sources

Effective from 2026-09-22.

Transition from lapsed HMO or nonprofit authority to accident and health
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Exemptions
Establish applicable education or examination exemption separately; legacy HMO/nonprofit authority is not presumed identical to full accident and health.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Prior Authority
Legacy HMO or nonprofit authority not reinstated within one year after cancellation.
Scope
Obtain major accident and health under dated Regulation 1-2-10 Section 6(B)(3); no new legacy authority.
Nonresident producer licensure with restricted health authority
No examination is required for this applicant pathway.
Application
Meet C.R.S. 10-2-502(1) nonresident qualifications.
Home Licence
Current home limited-line producer licence restricted to accident and health insurance.
Scope
Only the same restricted authority granted by the home licence under C.R.S. 10-2-502(6), not full major-line health authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Uniform/home application, fee and certification or database verification under C.R.S. 10-2-502.
Home Licence
Corresponding current accident and health licence in good standing in the home jurisdiction.
Reciprocity
Home jurisdiction awards Colorado residents nonresident licences on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement
No examination is required for this applicant pathway.
Application
New application and initial fee to reinstate Colorado authority.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(C)(1)-(2): 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and payment of the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Home Licence
Maintain corresponding home licence in good standing; reciprocal C.R.S. 10-2-501/502 qualifications.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement after year
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
New reinstatement application and initial fee.
Board Handbook Demand
July 2026 handbook page 5: 2. Applicants applying to reinstate a cancelled or expired Colorado license that has been inactive for less than one (1) year from the application submission date are exempt from taking the examination for the authorities previously held.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(C)(1)-(2): 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and payment of the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Inactivity
Cancelled or expired authority inactive longer than one year.
Prior Authority
Resident previously licensed for the same accident and health line.
Statutory Exemption
C.R.S. 10-2-403(1)(a) imposes no time limit on its resident previous-same-line exemption; narrower Board demands are recorded below.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement within year
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
New reinstatement application and initial fee.
Board Handbook Demand
July 2026 handbook page 5: 2. Applicants applying to reinstate a cancelled or expired Colorado license that has been inactive for less than one (1) year from the application submission date are exempt from taking the examination for the authorities previously held.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(C)(1)-(2): 1. Producers who fail to continue/renew their license by the expiration date will be required to reinstate their license by submitting a new application and the initial application fees. Access to continuation applications will be denied after the expiration date, and the producer must then apply for reinstatement of the license using an electronic application prescribed by the Commissioner and payment of the initial license fee specified in Section 12. 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Inactivity
Cancelled or expired authority; apply within one year of inactivation.
Prior Authority
Resident previously licensed for the same accident and health line.
Statutory Exemption
C.R.S. 10-2-403(1)(a) imposes no time limit on its resident previous-same-line exemption; narrower Board demands are recorded below.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with ChFC examination exemption
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Designation
Hold ChFC under C.R.S. 10-2-403(1).
Education
Meet education requirements unless separately exempt; RHU is explicitly listed for the accident and health education exemption in handbook page 4.
Exemption
General examination portion exempt; Colorado laws and rules pertinent to health coverage remain required. Code 02 is the real examination; the portion exemption is a condition.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Resident licensure with CLU examination exemption
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Designation
Hold CLU under C.R.S. 10-2-403(1).
Education
Meet education requirements unless separately exempt; RHU is explicitly listed for the accident and health education exemption in handbook page 4.
Exemption
General examination portion exempt; Colorado laws and rules pertinent to health coverage remain required. Code 02 is the real examination; the portion exemption is a condition.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Resident licensure with CPCU examination exemption
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Designation
Hold CPCU under C.R.S. 10-2-403(1).
Education
Meet education requirements unless separately exempt; RHU is explicitly listed for the accident and health education exemption in handbook page 4.
Exemption
General examination portion exempt; Colorado laws and rules pertinent to health coverage remain required. Code 02 is the real examination; the portion exemption is a condition.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Resident examination with professional designation education exemption
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Designation
Current valid CEBS, REBC or HIA; submit membership card or letter of good standing.
Education
These designations exempt accident and health prelicensing training under handbook page 4; they do not themselves exempt examination.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Resident initial licensure by examination
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Education
Fifty hours approved sickness and accident education, at least three hours insurance ethics, unless exempt.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Score Window
Handbook requires passing within one year of education and applying within one year of passing.
Resident reapplication after revocation or disciplinary surrender
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Eligibility
Application remains subject to licensing and disciplinary criteria; prior licence does not guarantee issuance.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Prior Authority
Formerly licensed resident for the same line.
Waiting Period
Two years after revocation or surrender to avoid discipline before application under C.R.S. 10-2-801(5).

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure based on previous same line licence
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Board Handbook Demand
July 2026 handbook page 5: 1. Applicants who have held a resident license in another state within the 90 days prior to submitting their Colorado application are exempt from passing the examination for the lines of authority that were held in their previous resident state. If Pearson VUE is unable to verify previous licensure at the time of application through a search of the National Producer Database, the applicant will be required to submit a Letter of Clearance issued by the insurance department in the previous resident state.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(F)(2): 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course, and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident previously licensed for accident and health in Colorado or elsewhere.
Statutory Exemption
C.R.S. 10-2-403(1)(a) exempts a previously licensed resident for the same line from education and examination; the resident-applicant sentence states no prior-licence age limit.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after moving to Colorado
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Application Window
Apply within ninety days after establishing legal residence under C.R.S. 10-2-403(1)(b.5).
Board Exception
Commissioner may determine otherwise by regulation.
Board Handbook Demand
July 2026 handbook page 5: 1. Applicants who have held a resident license in another state within the 90 days prior to submitting their Colorado application are exempt from passing the examination for the lines of authority that were held in their previous resident state. If Pearson VUE is unable to verify previous licensure at the time of application through a search of the National Producer Database, the applicant will be required to submit a Letter of Clearance issued by the insurance department in the previous resident state.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(F)(2): 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course, and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying.
Clearance
Provide prior-licence verification or letter of clearance as requested.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Prior Licence
Previously held accident and health authority; moving to Colorado.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with RHU examination exemption
Accident and Health
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Designation
Hold RHU under C.R.S. 10-2-403(1).
Education
Meet education requirements unless separately exempt; RHU is explicitly listed for the accident and health education exemption in handbook page 4.
Exemption
General examination portion exempt; Colorado laws and rules pertinent to health coverage remain required. Code 02 is the real examination; the portion exemption is a condition.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Residency
Colorado resident.
Resident licensure by recent same line licence and clearance
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Board Handbook Demand
July 2026 handbook page 5: 1. Applicants who have held a resident license in another state within the 90 days prior to submitting their Colorado application are exempt from passing the examination for the lines of authority that were held in their previous resident state. If Pearson VUE is unable to verify previous licensure at the time of application through a search of the National Producer Database, the applicant will be required to submit a Letter of Clearance issued by the insurance department in the previous resident state.
Board Rule Demand
Dated Regulation 1-2-10 Section 6(F)(2): 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course, and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying.
Clearance
Former regulator letter stating same-line licensure in that period and good standing under C.R.S. 10-2-402(1).
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Prior Licence
Same-line licence within the twelve months immediately preceding receipt of application.

Official no-examination sources

Effective from 2026-09-22.

Add or restore previously held accident and health authority
No examination is required for this applicant pathway.
Age
At least eighteen years of age.
Application
Prescribed application, fee, truthful screening answers and supporting documents under C.R.S. 10-2-404 and handbook page 5.
Existing Licence
Resident producer requesting health authority previously held.
Fitness
Competent, trustworthy, good moral character and business reputation; no disqualifying act under C.R.S. 10-2-801.
Qualification
Establish prior same-line licensure under C.R.S. 10-2-403(1)(a); submit amendment application and fee.

Official no-examination sources

Effective from 2026-09-22.

Health Maintenance Organization Producer License

Existing authority issued on or before January 1, 2002 may be renewed or continued while continuation requirements are met; no new authority is issued.

Licensing authority: Colorado Division of Insurance · Application information

Continuation of existing hmo authority
No examination is required for this applicant pathway.
Continuation
Meet continuation requirements and pay authority continuation fees.
Education
Dated Regulation 1-2-4 Section 5(B) exempts HMO/nonprofit authority from twenty-four-hour CE.
Original Licence
Authority issued on or before January 1, 2002; no new legacy authority issued.

Official no-examination sources

Effective from 2026-09-22.

Timely reinstatement of existing hmo authority
No examination is required for this applicant pathway.
Application
New reinstatement application and initial fees, not initial issuance of a new legacy licence.
Prior Authority
Existing legacy authority cancelled for noncontinuation.
Window
Reinstate within one year; thereafter obtain major accident and health authority under the rule.

Official no-examination sources

Effective from 2026-09-22.

nonprofit hospital medical-surgical and health service producer licenses

Existing authority issued on or before January 1, 2002 may be renewed or continued while continuation requirements are met; no new licenses are issued for this line.

Licensing authority: Colorado Division of Insurance · Application information

Continuation of existing nonprofit authority
No examination is required for this applicant pathway.
Continuation
Meet continuation requirements and pay authority continuation fees.
Education
Dated Regulation 1-2-4 Section 5(B) exempts HMO/nonprofit authority from twenty-four-hour CE.
Original Licence
Authority issued on or before January 1, 2002; no new legacy authority issued.

Official no-examination sources

Effective from 2026-09-22.

Timely reinstatement of existing nonprofit authority
No examination is required for this applicant pathway.
Application
New reinstatement application and initial fees, not initial issuance of a new legacy licence.
Prior Authority
Existing legacy authority cancelled for noncontinuation.
Window
Reinstate within one year; thereafter obtain major accident and health authority under the rule.

Official no-examination sources

Effective from 2026-09-22.

Temporary Agency Producer License — Accident and Health

The dated official implementing rule expressly permits temporary agency authority under the circumstances of C.R.S. 10-2-410.

Licensing authority: Colorado Division of Insurance · Application information

Temporary agency licensure in special circumstances
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Agency under the special circumstances of C.R.S. 10-2-410 as Regulation 1-2-10 Section 6(G) states.
Legal Reading
Rule expressly names agency; statute names individual. The survey retains the rule agency authorization on the examination-free temporary terms it incorporates.
Term
At most 180 days; commissioner may require sponsor and limit authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Accident and Health

Temporary individual authority to service an insurance business for no more than 180 days.

Licensing authority: Colorado Division of Insurance · Application information

Temporary licensure: Producer death
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Surviving spouse, next of kin, executor or employee of a deceased producer.
Necessity
Commissioner deems authority necessary to service the business.
Sponsor
Commissioner may require licensed producer/insurer sponsor and protective restrictions.
Term
At most 180 days; cannot continue after business disposition.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Producer disability
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Surviving spouse, next of kin, employee or legal guardian of a disabled producer.
Necessity
Commissioner deems authority necessary to service the business.
Sponsor
Commissioner may require licensed producer/insurer sponsor and protective restrictions.
Term
At most 180 days; cannot continue after business disposition.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Agency producer death or disability
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Member, employee or officer of a licensed agency/business entity, licensed as a producer, after death/disability of a designated or registered individual.
Necessity
Commissioner deems authority necessary to service the business.
Sponsor
Commissioner may require licensed producer/insurer sponsor and protective restrictions.
Term
At most 180 days; cannot continue after business disposition.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Producer military service
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Designee of a producer entering active United States military service.
Necessity
Commissioner deems authority necessary to service the business.
Sponsor
Commissioner may require licensed producer/insurer sponsor and protective restrictions.
Term
At most 180 days; cannot continue after business disposition.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Other public interest circumstance
No examination is required for this applicant pathway.
Application
Written request to Division licensing section.
Eligibility
Other circumstance in which commissioner finds issuance serves the public interest.
Necessity
Commissioner deems authority necessary to service the business.
Sponsor
Commissioner may require licensed producer/insurer sponsor and protective restrictions.
Term
At most 180 days; cannot continue after business disposition.

Official no-examination sources

Effective from 2026-09-22.

Accident and Health

Provider
Pearson VUE
Format
Written examination with general knowledge and Colorado specific portions
Exam questions
50 scored plus 5 pretest general knowledge; 30 scored plus 6 pretest Colorado specific
Time limit
2 hours
Exam fee
$41 per exam session; up to two examinations per session
Examination outline
  • General knowledge — I. TYPES OF POLICIES (16 scored questions)
    • A. Disability income
    • A. Disability income > 1. Individual disability income policy
    • A. Disability income > 2. Business overhead expense policy
    • A. Disability income > 3. Business disability buyout policy
    • A. Disability income > 4. Group disability income policy
    • A. Disability income > 5. Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C. Medical expense insurance > 1. Basic hospital, medical, and surgical policies
    • C. Medical expense insurance > 2. Major medical policies
    • C. Medical expense insurance > 3. Health Maintenance Organizations (HMOs)
    • C. Medical expense insurance > 4. Preferred Provider Organizations (PPOs)
    • C. Medical expense insurance > 5. Point of Service (POS) plans
    • C. Medical expense insurance > 6. Flexible Spending Accounts (FSAs)
    • C. Medical expense insurance > 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C. Medical expense insurance > 8. Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E. Group insurance > 1. Differences between individual and group contracts
    • E. Group insurance > 2. General characteristics
    • E. Group insurance > 3. COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F. Individual/Group Long Term Care (LTC) > 1. Eligibility
    • F. Individual/Group Long Term Care (LTC) > 2. Levels of care
    • G. Other policies
    • G. Other policies > 1. Dental
    • G. Other policies > 2. Vision
    • G. Other policies > 3. Cancer
    • G. Other policies > 4. Critical illness or specified disease
    • G. Other policies > 5. Worksite (employer-sponsored)
    • G. Other policies > 6. Hospital indemnity
    • G. Other policies > 7. Short-term medical
    • G. Other policies > 8. Accident
  • General knowledge — II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 scored questions)
    • A. Mandatory and optional provisions
    • A. Mandatory and optional provisions > 1. Entire contract
    • A. Mandatory and optional provisions > 2. Time limit on certain defenses (incontestable)
    • A. Mandatory and optional provisions > 3. Grace period
    • A. Mandatory and optional provisions > 4. Reinstatement
    • A. Mandatory and optional provisions > 5. Notice of claim
    • A. Mandatory and optional provisions > 6. Claim forms
    • A. Mandatory and optional provisions > 7. Proof of loss
    • A. Mandatory and optional provisions > 8. Time of payment of claims
    • A. Mandatory and optional provisions > 9. Payment of claims
    • A. Mandatory and optional provisions > 10. Physical examination and autopsy
    • A. Mandatory and optional provisions > 11. Legal actions
    • A. Mandatory and optional provisions > 12. Change of beneficiary
    • A. Mandatory and optional provisions > 13. Misstatement of age or gender
    • A. Mandatory and optional provisions > 14. Change of occupation
    • A. Mandatory and optional provisions > 15. Illegal occupation
    • A. Mandatory and optional provisions > 16. Relation of earning to insurance
    • B. Other provisions and clauses
    • B. Other provisions and clauses > 1. Insuring clause
    • B. Other provisions and clauses > 2. Free look
    • B. Other provisions and clauses > 3. Consideration clause
    • B. Other provisions and clauses > 4. Probationary period
    • B. Other provisions and clauses > 5. Elimination period
    • B. Other provisions and clauses > 6. Waiver of premium
    • B. Other provisions and clauses > 7. Exclusions and limitations
    • B. Other provisions and clauses > 8. Preexisting conditions
    • B. Other provisions and clauses > 9. Coinsurance
    • B. Other provisions and clauses > 10. Deductibles
    • B. Other provisions and clauses > 11. Eligible expenses
    • B. Other provisions and clauses > 12. Copayments
    • B. Other provisions and clauses > 13. Pre-authorizations and prior approval requirements
    • B. Other provisions and clauses > 14. Usual, reasonable, and customary (URC) charges
    • B. Other provisions and clauses > 15. Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C. Riders > 1. Impairment/exclusions
    • C. Riders > 2. Guaranteed insurability
    • C. Riders > 3. Future increase option
    • D. Rights of renewability
    • D. Rights of renewability > 1. Noncancelable
    • D. Rights of renewability > 2. Cancelable
    • D. Rights of renewability > 3. Guaranteed renewable
  • General knowledge — III. SOCIAL INSURANCE (6 scored questions)
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General knowledge — IV. OTHER INSURANCE CONCEPTS (5 scored questions)
    • A. Total, partial, recurrent and residual disability
    • B. Owner’s rights
    • C. Dependent children benefits
    • D. Primary and contingent beneficiaries
    • E. Modes of premium payments
    • F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • G. Occupational vs. non-occupational
    • H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • I. Managed care
    • J. Workers Compensation
    • J. Workers Compensation > 1. Impact on health insurance benefits
    • K. Subrogation
    • L. Cost containment
  • General knowledge — V. FIELD UNDERWRITING PROCEDURES (8 scored questions)
    • A. Completing the application
    • B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • D. Submitting application (and initial premium if collected) to company for underwriting
    • E. Policy delivery
    • F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • G. Replacement
    • H. Contract law
    • H. Contract law > 1. Elements of a contract
    • H. Contract law > 2. Insurable interest
    • H. Contract law > 3. Warranties and representations
    • H. Contract law > 4. Unique aspects of the insurance contract
    • H. Contract law > 4. Unique aspects of the insurance contract > a. Conditional
    • H. Contract law > 4. Unique aspects of the insurance contract > b. Unilateral
    • H. Contract law > 4. Unique aspects of the insurance contract > c. Adhesion
    • H. Contract law > 4. Unique aspects of the insurance contract > d. Aleatory
  • Colorado specific — I. COLORADO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, SICKNESS AND ACCIDENT, PROPERTY (FIRE), AND CASUALTY INSURANCE (19 scored questions)
    • A. Insurance Commissioner
    • A. Insurance Commissioner > 1. Power and duties
    • A. Insurance Commissioner > 2. Hearings and penalties
    • A. Insurance Commissioner > 3. License suspension and revocation
    • A. Insurance Commissioner > 4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility > 1. Persons required to be licensed
    • B. Licensing and producers’ legal responsibility > 2. Payment and acceptance of commissions/fees
    • B. Licensing and producers’ legal responsibility > 3. Fiduciary/commingling
    • B. Licensing and producers’ legal responsibility > 4. Pre-licensing and continuing education
    • B. Licensing and producers’ legal responsibility > 5. Unauthorized entities
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices > 1. Coercion
    • C. Unfair competition and deceptive practices > 2. Misrepresentation
    • C. Unfair competition and deceptive practices > 3. Unfair discrimination
    • C. Unfair competition and deceptive practices > 4. Controlled business
    • C. Unfair competition and deceptive practices > 5. Defamation
    • C. Unfair competition and deceptive practices > 6. Rebates
    • C. Unfair competition and deceptive practices > 7. Unfair claims practices
    • C. Unfair competition and deceptive practices > 8. Colorado Fraud Statute
  • Colorado specific — II. COLORADO STATUTES, RULES, AND REGULATIONS PERTINENT TO SICKNESS AND ACCIDENT INSURANCE ONLY (11 scored questions)
    • A. Common requirements for Sickness and Accident
    • A. Common requirements for Sickness and Accident > 1. Maternity/newborn coverage
    • A. Common requirements for Sickness and Accident > 2. Complications of pregnancy
    • A. Common requirements for Sickness and Accident > 3. Mammography/prostate screenings
    • A. Common requirements for Sickness and Accident > 4. Diabetes
    • A. Common requirements for Sickness and Accident > 5. Hospice/home health care
    • A. Common requirements for Sickness and Accident > 6. Guaranteed renewability
    • A. Common requirements for Sickness and Accident > 7. Prompt pay
    • A. Common requirements for Sickness and Accident > 8. Utilization review
    • A. Common requirements for Sickness and Accident > 9. Mandated benefits
    • A. Common requirements for Sickness and Accident > 10. Essential Health Benefits
    • B. Individual coverage
    • B. Individual coverage > 1. Required provisions
    • B. Individual coverage > 2. Replacement
    • B. Individual coverage > 3. Grace Period
    • B. Individual coverage > 4. Termination
    • B. Individual coverage > 5. Enrollment periods
    • C. Group coverage
    • C. Group coverage > 1. Continuation
    • C. Group coverage > 2. Maternity
    • C. Group coverage > 3. Mental health
    • C. Group coverage > 4. Leasing companies
    • D. Small group coverage
    • D. Small group coverage > 1. Definitions
    • D. Small group coverage > 1. Definitions > a. small employer
    • D. Small group coverage > 1. Definitions > b. eligible employee
    • D. Small group coverage > 2. Guaranteed issue/open enrollment/ special enrollment
    • D. Small group coverage > 3. Rating factors
    • D. Small group coverage > 4. Participation requirements
    • E. Fair marketing standards
    • F. Specified products
    • F. Specified products > 1. Medicare Supplement
    • F. Specified products > 2. Long Term Care
    • F. Specified products > 3. Benefit plan description
    • G. Commission Disclosure
    • H. Sales and Marketing of Health Insurance
Examination sources