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

Resident Insurance Producer — Accident and health or sickness

Insurance producer license for the accident and health or sickness major line of authority, including disability income benefits.

Licensing authority: District of Columbia Department of Insurance, Securities and Banking · Application information

Resident licensure by transfer of an equivalent license
No examination is required for this applicant pathway.
Application
Submit a truthful, complete Uniform Individual Application and pay the prescribed fees.
Education
Exempt from prelicensing education under § 31-1131.09.
Fingerprinting
Submit fingerprints, identifying information, consent to the criminal history check and the prescribed background-check costs under § 31-1131.06a, except for an applicant applying only for limited lines.
Fitness
The applicant must have no disqualifying act under D.C. Code § 31-1131.12.
Minimum Age
An individual must be at least 18 years old.
Relocation Deadline
A producer moving to the District applies within 90 days after establishing legal residence unless retaining a resident license and principal business elsewhere (§ 31-1131.08a(d)).
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Transfer Eligibility
Currently licensed for the same accident and health or sickness authority elsewhere; § 31-1131.09(a)(1) exempts prelicensing education and examination.

Official no-examination sources

Effective from 2026-09-22.

Initial resident licensure by examination
Health
Application
Submit a truthful, complete Uniform Individual Application and pay the prescribed fees.
Education
If required by the Commissioner, complete prelicensing study. The handbook p. 3 says: “A mandatory course of at least forty (40) hours of Pre-Licensing is not mandated by the Commissioner of Insurance for the District of Columbia. Candidates have to show proof of a Pre-Licensing Course of study prior to sitting for the District of Columbia Insurance License Examination.”
Fingerprinting
Submit fingerprints, identifying information, consent to the criminal history check and the prescribed background-check costs under § 31-1131.06a, except for an applicant applying only for limited lines.
Fitness
The applicant must have no disqualifying act under D.C. Code § 31-1131.12.
Minimum Age
An individual must be at least 18 years old.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Score Age
Pass the Health examination with a score of at least 70 and apply within one year after passing; an older score is invalid and the applicant may retake the examination (26-A DCMR 100.3).
Late renewal within 30 days
No examination is required for this applicant pathway.
Application
Apply through the prescribed renewal mechanism and pay the prescribed renewal fees.
Continuing Education
Complete 24 approved credit hours during the license period including 3 ethics hours; when renewing both life/health and property/casualty groups, complete at least 6 hours for each group. Submit course-completion verification as 26-A DCMR 106.5 requires.
Course Assessments
Under 26-A DCMR 106.17, continuing-education course examinations are not required unless the sponsor requires one; independent-study credit requires a sponsor-supervised examination under 106.18. These are provider course assessments, not separately identified District licensure examinations.
Designation Course Credit
26-A DCMR 106.6 permits 24-credit-hour treatment for successfully completed parts of designation courses upon their national part examination: AAI, AIC, ALCM, ARM, AU, CEBS, CIC, ChFC, CLU, CPCU, FLMI, INS, LUTCF or another approved designation. This is an education-credit condition; the rule identifies designations and course parts, not a separately identified licensing examination.
Eligibility
Holder of the existing license seeking renewal.
Fitness
Resident renewal is subject to § 31-1131.12 nonrenewal and any legally required fingerprints.
Late Period
Apply within 30 days after expiration and pay the required late fee; successful late renewal is treated as continuous licensure under 26-A DCMR 102.5. Incomplete CE may be cured within that period under 106.21 and 106.23.
License Term
Renewal is biennial; individual expiration is the last day of the birth month, and business-entity expiration is May 31.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).

Official no-examination sources

Effective from 2026-09-22.

Addition of managing general agent authority to an existing health producer license
No examination is required for this applicant pathway.
Existing License
The applicant already holds the applicable District producer/broker license and health authority; § 31-1502(a) and (b) require the licensed broker and permit a nonresident license.
Financial Responsibility
Under § 31-1502(c) and (d), the Mayor may require a bond and errors-and-omissions policy. DISB’s General Information for Producers / Agents page (verified with server-side access; local fetch was blocked) states that each MGA/RI applicant must provide a $100,000 bond and a $1,000,000 E&O policy.
Insured Business
The applicant acts in the managing-general-agent capacity defined by § 31-1501(4), subject to the written-contract provisions of § 31-1503.

Official no-examination sources

Effective from 2026-09-22.

New resident licensure after lapse exceeding one year
Health
Application
Meet the then-current initial-licensure requirements, submit the appropriate prescribed application and pay applicable fees.
Lapse Period
More than one year after expiration; 26-A DCMR 103.6 requires meeting the then-current initial-licensure requirements.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Score Age
Pass the currently offered Health examination with at least 70 and apply within one year; statutory transfer exemptions remain available to applicants who qualify.
New resident licensure after long lapse by transfer exemption
No examination is required for this applicant pathway.
Application
Meet the then-current initial-licensure requirements, submit the appropriate prescribed application and pay applicable fees.
Continuing Education
Satisfy applicable initial-licensure requirements; prelicensing education and examination are exempt under § 31-1131.09.
Lapse Period
More than one year after expiration; 26-A DCMR 103.6 requires meeting the then-current initial-licensure requirements.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Score Age
Pass the currently offered Health examination with at least 70 and apply within one year; statutory transfer exemptions remain available to applicants who qualify.
Transfer Eligibility
A current equivalent license elsewhere qualifies for § 31-1131.09(a)(1).

Official no-examination sources

Effective from 2026-09-22.

New resident licensure after long lapse by transfer exemption
No examination is required for this applicant pathway.
Application
Meet the then-current initial-licensure requirements, submit the appropriate prescribed application and pay applicable fees.
Continuing Education
Satisfy applicable initial-licensure requirements; prelicensing education and examination are exempt under § 31-1131.09.
Lapse Period
More than one year after expiration; 26-A DCMR 103.6 requires meeting the then-current initial-licensure requirements.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Score Age
Pass the currently offered Health examination with at least 70 and apply within one year; statutory transfer exemptions remain available to applicants who qualify.
Transfer Eligibility
An equivalent license canceled within 90 days, with proof of good standing, qualifies for § 31-1131.09(a)(2).

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by transfer of an equivalent license
No examination is required for this applicant pathway.
Application
Submit a truthful, complete Uniform Individual Application and pay the prescribed fees.
Education
Exempt from prelicensing education under § 31-1131.09.
Fingerprinting
Submit fingerprints, identifying information, consent to the criminal history check and the prescribed background-check costs under § 31-1131.06a, except for an applicant applying only for limited lines.
Fitness
The applicant must have no disqualifying act under D.C. Code § 31-1131.12.
Minimum Age
An individual must be at least 18 years old.
Relocation Deadline
A producer moving to the District applies within 90 days after establishing legal residence unless retaining a resident license and principal business elsewhere (§ 31-1131.08a(d)).
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Transfer Eligibility
Application is received within 90 days of cancellation of the previous same-authority license; the prior licensing jurisdiction or NAIC records must establish good standing at cancellation, as § 31-1131.09(a)(2) requires.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after revocation
No examination is required for this applicant pathway.
Application
Submit the prescribed reinstatement application and pay the fee (26-A DCMR 104.2).
Disciplinary History
Previously revoked producer license.
Fitness
Establish moral qualifications, competency, knowledge of District law and fitness to resume practice under 104.3; the Commissioner considers the conduct, subsequent remediation, character, current qualifications and payment of fines under 104.4.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Training
The Commissioner may impose specific educational or training requirements in addition to continuing education, before or after reinstatement (104.5).
Waiting Period
A revoked license or denied reinstatement carries a three-year ineligibility period unless the Commissioner’s order specifies otherwise (104.1).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after suspension
No examination is required for this applicant pathway.
Application
Submit the prescribed reinstatement application and pay the fee (26-A DCMR 104.2).
Disciplinary History
Previously suspended producer license.
Fitness
Establish moral qualifications, competency, knowledge of District law and fitness to resume practice under 104.3; the Commissioner considers the conduct, subsequent remediation, character, current qualifications and payment of fines under 104.4.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Training
The Commissioner may impose specific educational or training requirements in addition to continuing education, before or after reinstatement (104.5).

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of expired license within one year
No examination is required for this applicant pathway.
Application
Apply through the prescribed renewal mechanism and pay the prescribed renewal fees.
Continuing Education
Complete 24 approved credit hours during the license period including 3 ethics hours; when renewing both life/health and property/casualty groups, complete at least 6 hours for each group. Submit course-completion verification as 26-A DCMR 106.5 requires.
Course Assessments
Under 26-A DCMR 106.17, continuing-education course examinations are not required unless the sponsor requires one; independent-study credit requires a sponsor-supervised examination under 106.18. These are provider course assessments, not separately identified District licensure examinations.
Designation Course Credit
26-A DCMR 106.6 permits 24-credit-hour treatment for successfully completed parts of designation courses upon their national part examination: AAI, AIC, ALCM, ARM, AU, CEBS, CIC, ChFC, CLU, CPCU, FLMI, INS, LUTCF or another approved designation. This is an education-credit condition; the rule identifies designations and course parts, not a separately identified licensing examination.
Eligibility
Holder of the existing license seeking renewal.
Fitness
Resident renewal is subject to § 31-1131.12 nonrenewal and any legally required fingerprints.
Fitness Evidence
Submit the prescribed reinstatement application, fee and evidence of competency, knowledge of District law and fitness under 26-A DCMR 103.2–103.4; the Commissioner may require additional training under 103.5.
Lapse Period
Apply after the 30-day late-renewal period and no later than one year after expiration.
License Term
Renewal is biennial; individual expiration is the last day of the birth month, and business-entity expiration is May 31.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Statutory Exemption
§ 31-1131.07a(f) allows reinstatement of the same individual license within one year without a written examination, with a penalty of twice the unpaid renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Biennial license renewal
No examination is required for this applicant pathway.
Application
Apply through the prescribed renewal mechanism and pay the prescribed renewal fees.
Continuing Education
Complete 24 approved credit hours during the license period including 3 ethics hours; when renewing both life/health and property/casualty groups, complete at least 6 hours for each group. Submit course-completion verification as 26-A DCMR 106.5 requires.
Course Assessments
Under 26-A DCMR 106.17, continuing-education course examinations are not required unless the sponsor requires one; independent-study credit requires a sponsor-supervised examination under 106.18. These are provider course assessments, not separately identified District licensure examinations.
Designation Course Credit
26-A DCMR 106.6 permits 24-credit-hour treatment for successfully completed parts of designation courses upon their national part examination: AAI, AIC, ALCM, ARM, AU, CEBS, CIC, ChFC, CLU, CPCU, FLMI, INS, LUTCF or another approved designation. This is an education-credit condition; the rule identifies designations and course parts, not a separately identified licensing examination.
Eligibility
Holder of the existing license seeking renewal.
Fitness
Resident renewal is subject to § 31-1131.12 nonrenewal and any legally required fingerprints.
License Term
Renewal is biennial; individual expiration is the last day of the birth month, and business-entity expiration is May 31.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).

Official no-examination sources

Effective from 2026-09-22.

Renewal with military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Application
Apply through the prescribed renewal mechanism and pay the prescribed renewal fees.
Continuing Education
Complete 24 approved credit hours during the license period including 3 ethics hours; when renewing both life/health and property/casualty groups, complete at least 6 hours for each group. Submit course-completion verification as 26-A DCMR 106.5 requires.
Continuing Education Waiver
Under 26-A DCMR 106.26, good-cause CE waiver requests are written and submitted at least 90 days before period end; approval applies only to that license period.
Course Assessments
Under 26-A DCMR 106.17, continuing-education course examinations are not required unless the sponsor requires one; independent-study credit requires a sponsor-supervised examination under 106.18. These are provider course assessments, not separately identified District licensure examinations.
Designation Course Credit
26-A DCMR 106.6 permits 24-credit-hour treatment for successfully completed parts of designation courses upon their national part examination: AAI, AIC, ALCM, ARM, AU, CEBS, CIC, ChFC, CLU, CPCU, FLMI, INS, LUTCF or another approved designation. This is an education-credit condition; the rule identifies designations and course parts, not a separately identified licensing examination.
Eligibility
Holder of the existing license seeking renewal.
Fitness
Resident renewal is subject to § 31-1131.12 nonrenewal and any legally required fingerprints.
License Term
Renewal is biennial; individual expiration is the last day of the birth month, and business-entity expiration is May 31.
Residency
A person whose principal residence and principal business are both in the District applies as a resident. If only one is in the District, resident licensure applies when the person does not hold a resident producer license elsewhere (D.C. Code § 31-1131.03(b)).
Waiver Eligibility
Military service or other extenuating circumstance prevents complying with renewal procedures; request a discretionary waiver of renewal procedures, any examination requirement and penalties under § 31-1131.07a(g).

Official no-examination sources

Effective from 2026-09-22.

Health

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
50 scored general-knowledge questions and 25 scored District-specific questions; each content part also has 5 unscored pretest questions
Time limit
2 hours
Passing score
70
Exam fee
$75
Examination outline
  • General Knowledge — I. TYPES OF POLICIES
    • A. Disability income
    • A.1. Disability income / Individual disability income policy
    • A.2. Disability income / Business overhead expense policy
    • A.3. Disability income / Business disability buyout policy
    • A.4. Disability income / Group disability income policy
    • A.5. Disability income / Key employee policy
    • B. Accidental death and dismemberment
    • C. Medical expense insurance
    • C.1. Medical expense insurance / Basic hospital, medical, and surgical policies
    • C.2. Medical expense insurance / Major medical policies
    • C.3. Medical expense insurance / Health Maintenance Organizations (HMOs)
    • C.4. Medical expense insurance / Preferred Provider Organizations (PPOs)
    • C.5. Medical expense insurance / Point of Service (POS) plans
    • C.6. Medical expense insurance / Flexible Spending Accounts (FSAs)
    • C.7. Medical expense insurance / High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • C.8. Medical expense insurance / Health Reimbursement Accounts (HRAs)
    • D. Medicare supplement policies
    • E. Group insurance
    • E.1. Group insurance / Differences between individual and group contracts
    • E.2. Group insurance / General characteristics
    • E.3. Group insurance / COBRA
    • F. Individual/Group Long Term Care (LTC)
    • F.1. Individual/Group Long Term Care (LTC) / Eligibility
    • F.2. Individual/Group Long Term Care (LTC) / Levels of care
    • G. Other policies
    • G.1. Other policies / Dental
    • G.2. Other policies / Vision
    • G.3. Other policies / Cancer
    • G.4. Other policies / Critical illness or specified disease
    • G.5. Other policies / Worksite (employer-sponsored)
    • G.6. Other policies / Hospital indemnity
    • G.7. Other policies / Short-term medical
    • G.8. Other policies / Accident
  • General Knowledge — II. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • A. Mandatory and optional provisions
    • A.1. Mandatory and optional provisions / Entire contract
    • A.2. Mandatory and optional provisions / Time limit on certain defenses (incontestable)
    • A.3. Mandatory and optional provisions / Grace period
    • A.4. Mandatory and optional provisions / Reinstatement
    • A.5. Mandatory and optional provisions / Notice of claim
    • A.6. Mandatory and optional provisions / Claim forms
    • A.7. Mandatory and optional provisions / Proof of loss
    • A.8. Mandatory and optional provisions / Time of payment of claims
    • A.9. Mandatory and optional provisions / Payment of claims
    • A.10. Mandatory and optional provisions / Physical examination and autopsy
    • A.11. Mandatory and optional provisions / Legal actions
    • A.12. Mandatory and optional provisions / Change of beneficiary
    • A.13. Mandatory and optional provisions / Misstatement of age or gender
    • A.14. Mandatory and optional provisions / Change of occupation
    • A.15. Mandatory and optional provisions / Illegal occupation
    • A.16. Mandatory and optional provisions / Relation of earning to insurance
    • A.17. Mandatory and optional provisions / Conformity with State Statutes
    • B. Other provisions and clauses
    • B.1. Other provisions and clauses / Insuring clause
    • B.2. Other provisions and clauses / Free look
    • B.3. Other provisions and clauses / Consideration clause
    • B.4. Other provisions and clauses / Probationary period
    • B.5. Other provisions and clauses / Elimination period
    • B.6. Other provisions and clauses / Waiver of premium
    • B.7. Other provisions and clauses / Exclusions and limitations
    • B.8. Other provisions and clauses / Preexisting conditions
    • B.9. Other provisions and clauses / Coinsurance
    • B.10. Other provisions and clauses / Deductibles
    • B.11. Other provisions and clauses / Eligible expenses
    • B.12. Other provisions and clauses / Copayments
    • B.13. Other provisions and clauses / Pre-authorizations and prior approval requirements
    • B.14. Other provisions and clauses / Usual, reasonable, and customary (URC) charges
    • B.15. Other provisions and clauses / Lifetime, annual, or per cause maximum benefit limits
    • C. Riders
    • C.1. Riders / Impairment/exclusions
    • C.2. Riders / Guaranteed insurability
    • C.3. Riders / Future increase option
    • D. Rights of renewability
    • D.1. Rights of renewability / Noncancelable
    • D.2. Rights of renewability / Cancelable
    • D.3. Rights of renewability / Guaranteed renewable
  • General Knowledge — III. SOCIAL INSURANCE
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • General Knowledge — IV. OTHER INSURANCE CONCEPTS
    • 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
    • K. Subrogation
  • General Knowledge — V. FIELD UNDERWRITING PROCEDURES
    • 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.1. Contract law / Elements of a contract
    • H.2. Contract law / Insurable interest
    • H.3. Contract law / Warranties and representations
    • H.4. Contract law / Unique aspects of the insurance contract
    • H.4.a. Contract law / Unique aspects of the insurance contract / Conditional
    • H.4.b. Contract law / Unique aspects of the insurance contract / Unilateral
    • H.4.c. Contract law / Unique aspects of the insurance contract / Adhesion
    • H.4.d. Contract law / Unique aspects of the insurance contract / Aleatory
  • District of Columbia Specific — I. DISTRICT OF COLUMBIA LAWS, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE
    • A. Commissioner of Insurance, Securities and Banking
    • A.1. Commissioner of Insurance, Securities and Banking / Broad Powers & Duties
    • A.2. Commissioner of Insurance, Securities and Banking / Examination of Records
    • A.3. Commissioner of Insurance, Securities and Banking / Notice of Hearings
    • B. General Insurance Definitions
    • B.1. General Insurance Definitions / Domestic, Foreign, Alien
    • B.2. General Insurance Definitions / Stock & Mutual Companies
    • B.3. General Insurance Definitions / Certificate of Authority
    • C. Licensing Requirements
    • C.1. Licensing Requirements / Producer
    • C.2. Licensing Requirements / License denial, nonrenewal, suspension or revocation
    • C.3. Licensing Requirements / Appointments
    • C.4. Licensing Requirements / Commissions
    • C.5. Licensing Requirements / Reporting of actions
    • C.6. Licensing Requirements / License Renewal
    • D. Unfair Trade Practices
    • D.1. Unfair Trade Practices / False Advertising
    • D.2. Unfair Trade Practices / Rebating
    • D.3. Unfair Trade Practices / Misrepresentation
    • D.4. Unfair Trade Practices / Defamation
    • D.5. Unfair Trade Practices / Discrimination
    • D.6. Unfair Trade Practices / Twisting
    • D.7. Unfair Trade Practices / Penalties
    • D.8. Unfair Trade Practices / Claims
    • E. Fiduciary Capacity of Licensee
    • F. AIDS Law
    • G. Insurance Guaranty Associations
  • District of Columbia Specific — II. DISTRICT OF COLUMBIA LAWS, RULES, AND REGULATIONS PERTINENT TO ACCIDENT AND HEALTH INSURANCE ONLY
    • A. Required Coverages/Provisions
    • A.1. Required Coverages/Provisions / Newborns
    • A.2. Required Coverages/Provisions / Cancellation
    • A.3. Required Coverages/Provisions / Cancer Prevention
    • A.4. Required Coverages/Provisions / Grace Period
    • A.5. Required Coverages/Provisions / Reinstatement
    • B. Medicare Supplements
    • B.1. Medicare Supplements / Disclosure Requirements
    • C. Credit Accident and Health
    • D. Long Term Care
Examination sources