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Oregon Health Insurance — License Examination Requirements

US-OR · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

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.

Business Entity Insurance Producer — Health

Agency or other business entity authorized for the Health class, operating through appropriately licensed and affiliated individuals.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Initial nonresident business entity under ORS 744.064
No examination is required for this applicant pathway.
Application
Submit the application and fees and designate the responsible licensed producer.
Examination Exemption
ORS 744.064(1)(b)(D) expressly says the examination requirement does not apply to an applicant that is a business entity.
Licensing Arrangement
The director must find an acceptable licensing arrangement under ORS 744.064(1)(a), and the entity must hold qualifying home resident producer licensure in good standing.

Official no-examination sources

Effective from 2026-09-22.

Initial reciprocal nonresident business entity Health producer license
No examination is required for this applicant pathway.
Application
Submit the appropriate nonresident entity application and fee, designate the responsible licensed producer, and satisfy business registration and affiliation requirements.
Home License
The entity must hold a resident producer license in good standing in a reciprocal home jurisdiction.

Official no-examination sources

Effective from 2026-09-22.

Renew a business entity Health producer license
No examination is required for this applicant pathway.
Renewal
Renew electronically with applicable fees by the last day of the month of the biennial issuance anniversary.
Responsible Producer
Maintain the licensed responsible producer and required business information and affiliations. Nonresident entities must continue to satisfy their applicable home-licensing conditions. The entity has no individual examination obligation.

Official no-examination sources

Effective from 2026-09-22.

Initial resident business entity Health producer license
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and applicable fees through NIPR. Transact through appropriately affiliated licensed individuals and report affiliations within 30 days.
Business Registration
The entity must be incorporated, organized or authorized to do business in Oregon and registered with the Secretary of State; sole proprietors do not need a separate agency license.
Designated Producer
Designate an appropriately licensed insurance producer responsible for compliance. The entity itself does not sit the individual licensing examination.

Official no-examination sources

Effective from 2026-09-22.

Limited Class Credit Insurance Producer

Limited credit insurance producer authority includes credit health and mortgage disability insurance. It is not authority to transact unrestricted Health insurance.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Initial business entity limited class credit producer license
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and fees and designate a responsible appropriately licensed producer. Meet business registration and affiliation requirements.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Individual limited credit renewal extension for extenuating circumstances
No examination is required for this applicant pathway.
Circumstances
An individual unable to follow renewal procedures due to military service, long term disability or another extenuating circumstance may request a documented waiver or extension; applicable fees remain payable.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident limited class credit producer license
No examination is required for this applicant pathway.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Home License
Hold the corresponding limited-class home resident license in good standing and meet ORS 744.063 reciprocity, application and fee requirements. The license remains limited to the corresponding home authority.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit producer under ORS 744.064
No examination is required for this applicant pathway.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Home License
Hold the corresponding limited credit producer license in good standing in a jurisdiction covered by ORS 744.064 and meet the director’s acceptable-arrangement, application and fee conditions. ORS 744.067(5)(a) expressly exempts the examination under ORS 744.064 for limited-class licenses unless otherwise provided by rule.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Reinstate an individual limited class credit producer license within 12 months
No examination is required for this applicant pathway.
Deadline
An individual must apply within 12 months after the renewal due date and pay double the unpaid renewal fee; no written examination is required.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Renew a limited class credit producer license
No examination is required for this applicant pathway.
Continuing Education
ORS 744.072(4)(a) exempts a person issued a license without examination under ORS 744.067(5) from producer continuing education.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Renewal
Pay applicable renewal fees by the applicable individual birth-month or entity issuance-month biennial deadline and maintain qualification for the limited license.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Initial resident limited class credit producer license
No examination is required for this applicant pathway.
Application
Meet resident individual age, fitness, application, fee and background requirements; ORS 744.067(5)(a) exempts prelicensing education and licensing examination unless otherwise provided by rule. The implementing limited-class classifications impose no credit examination.
Education
Under ORS 744.059(4), the insurer must provide the limited credit producer an instruction program subject to director review and approval. This is an applicant training condition, not a registered licensing examination.
Scope
Credit health and mortgage disability authority only within the limited class credit insurance license; it does not authorize general Health business.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Managing General Agent Indorsement

Managing general agent indorsement of an existing Oregon insurance producer license, surveyed here for holders of Health authority.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Add managing general agent indorsement to an existing Health producer license
No examination is required for this applicant pathway.
Activities
The statutory managing general agent definition and the duties, authority limits, contract and record requirements of ORS 744.300 to 744.316 apply.
Errors And Omissions
Maintain the required certificate of errors and omissions coverage of $500,000 claims made or per occurrence under OAR 836-071-0150(2).
Examination
ORS 744.300(4) expressly requires no examination for the indorsement; the underlying producer license is an applicant condition.
Existing License
Hold a producer license issued under ORS 744.062 with the appropriate Health authority; apply for the indorsement through the license amendment procedure.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer — Health

Temporary authority to service a health insurance business under ORS 744.073, ordinarily limited to 180 days and subject to the director’s restrictions.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Temporary license for a member or employee of a producer business entity
No examination is required for this applicant pathway.
Applicant
Member or employee of the licensed business entity after death or disability of the individual designated in the entity application or license.
Director Determination
The director must find the temporary license necessary for servicing the insurance business.
Duration
No more than 180 days under ORS 744.073(1).
Restrictions
The director may limit authority or require a licensed producer/insurer sponsor responsible for the temporary licensee. The license may be revoked if the public is endangered and may not continue after disposition of the business. No written examination is required.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for a producer’s active duty military designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed insurance producer entering active service in the United States Armed Forces.
Director Determination
The director must find the temporary license necessary for servicing the insurance business.
Duration
No more than 180 days under ORS 744.073(1).
Restrictions
The director may limit authority or require a licensed producer/insurer sponsor responsible for the temporary licensee. The license may be revoked if the public is endangered and may not continue after disposition of the business. No written examination is required.

Official no-examination sources

Effective from 2026-09-22.

Temporary license in other public interest circumstances
No examination is required for this applicant pathway.
Determination
The director must determine that issuance best serves the public interest.
Director Determination
The director must find the temporary license necessary for servicing the insurance business.
Duration
No more than 180 days under ORS 744.073(1).
Restrictions
The director may limit authority or require a licensed producer/insurer sponsor responsible for the temporary licensee. The license may be revoked if the public is endangered and may not continue after disposition of the business. No written examination is required.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled.
Director Determination
The director must find the temporary license necessary for servicing the insurance business.
Duration
No more than 180 days under ORS 744.073(1).
Purpose
Allow sale of the business, recovery or return of the producer, or training and licensing of replacement personnel.
Restrictions
The director may limit authority or require a licensed producer/insurer sponsor responsible for the temporary licensee. The license may be revoked if the public is endangered and may not continue after disposition of the business. No written examination is required.

Official no-examination sources

Effective from 2026-09-22.