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Tennessee 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.

Business Entity Insurance Producer License — Accident and Health

Business entity producer license; individual selling, soliciting or negotiating insurance must separately hold an appropriate individual producer license.

Licensing authority: Tennessee Department of Commerce and Insurance, Agent Licensing Section · Application information

Nonresident business entity reciprocal licensure
No examination is required for this applicant pathway.
Application
Uniform business application or home-jurisdiction application, $50 fee subject to retaliation.
Designated producer
Principal or officer holds current producer licence and is responsible for entity compliance; sales conducted by individually licensed people.
Home license
Business entity currently licensed in good standing in its home jurisdiction with reciprocal treatment for Tennessee residents.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Deadline
Within 12 months of expiry, paying renewal fee and penalty twice renewal fee.
Designated producer
Entity retains compliant licensed principal or officer and licensed individuals for selling, soliciting and negotiating.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Continuing education
Business entities are exempt from individual continuing education; individually licensed representatives retain their own obligations.
Renewal
Business entity renewal application and $60 fee; biennial renewal under the Department instructions.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Uniform Business Entity Application; authorized representative declares truth and completeness; $50 filing fee.
Designated producer
Designate a principal or officer with current producer licence responsible for compliance.
Individual sales
Only an individually licensed producer or limited-lines producer may sell, solicit or negotiate insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Producer License

Restricted accident and health related authorizations: credit accident and health/disability insurance, limited travel accident insurance, and rental-vehicle personal accident coverage. These authorizations do not grant the ordinary accident and health line.

Licensing authority: Tennessee Department of Commerce and Insurance, Agent Licensing Section · Application information

Resident limited line credit accident and health licensure
No examination is required for this applicant pathway.
Application
Uniform individual application and $50 fee; only the restricted licensed line may be sold, solicited or negotiated.
Coverage
Credit accident and health/disability coverage connected to extension of credit, limited to extinguishing the credit obligation.
Scope
Limited authorizations do not confer full accident and health producer authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited accident and health related lines by reciprocity
No examination is required for this applicant pathway.
Application
Uniform individual application and $50 fee; only the restricted licensed line may be sold, solicited or negotiated.
Home license
Current like limited-lines licence in home jurisdiction and good standing; equivalent reciprocal treatment.
Scope
Same restricted scope as a Tennessee resident licensee; fee subject to retaliation.

Official no-examination sources

Effective from 2026-09-22.

Limited lines reinstatement within twelve months
No examination is required for this applicant pathway.
Deadline
Within 12 months after expiration.
Fees
Pay licence fee plus penalty twice renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Limited lines biennial renewal
No examination is required for this applicant pathway.
Renewal
Renew every two years; $30 renewal fee; nonresident fees subject to retaliation.

Official no-examination sources

Effective from 2026-09-22.

Resident rental vehicle limited personal accident licensure
No examination is required for this applicant pathway.
Application
Uniform individual application and $50 fee; only the restricted licensed line may be sold, solicited or negotiated.
Coverage
Insurance incidental to rental agreements no longer than 90 days: accidental death or dismemberment and medical expenses for renters/occupants from an accident with the vehicle during rental.
Disclosure
Provide written coverage terms, insurer, claims process, optional nature, possible duplicate coverage, and itemized charge under Section 11(8)(C).
Scope
Limited authorizations do not confer full accident and health producer authority.

Official no-examination sources

Effective from 2026-09-22.

Resident limited travel accident insurance licensure
No examination is required for this applicant pathway.
Application
Uniform individual application and $50 fee; only the restricted licensed line may be sold, solicited or negotiated.
Coverage
Limited travel accident insurance sold with transportation by a common carrier; travel authorizations are restricted to their approved scope.
Scope
Limited authorizations do not confer full accident and health producer authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary License under Military Families Licensing Recognition Act

Temporary recognition license conferring permanent-license rights when recognition of a covered license cannot be completed within 30 days of receiving the statutory application.

Licensing authority: Tennessee Department of Commerce and Insurance, Agent Licensing Section · Application information

Temporary recognition while covered licence application is processed
No examination is required for this applicant pathway.
Applicant
Active servicemember or spouse with covered producer licence and relocation under military orders to Tennessee, or relocation to a contiguous jurisdiction with intent to work in Tennessee.
Application
Proof of military orders; spouse marriage certificate if applicable; notarized affidavit identifying applicant, affirming application truth, understanding and compliance with requirements/scope, and good standing in every jurisdiction of licensing.
Background check
Licensing authority may conduct background check.
Compact
Recognition does not apply where the covered licence is subject to an applicable interstate compact.
Covered license
Licence in good standing; no revocation or discipline, pending unprofessional-conduct investigation, or voluntary surrender under investigation.
Temporary trigger
Authority required to recognize covered licence but unable to complete recognition during 30 days after receiving application; may issue temporary licence with permanent-licence rights, privileges and responsibilities.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Accident and Health or Sickness

Insurance producer license for the accident and health or sickness line, covering sickness, bodily injury or accidental death and potentially disability income.

Licensing authority: tn department of commerce and insurance · Application information

Military Families Licensing Recognition Act recognition
No examination is required for this applicant pathway.
Applicant
Active servicemember or spouse with covered producer licence and relocation under military orders to Tennessee, or relocation to a contiguous jurisdiction with intent to work in Tennessee.
Application
Proof of military orders; spouse marriage certificate if applicable; notarized affidavit identifying applicant, affirming application truth, understanding and compliance with requirements/scope, and good standing in every jurisdiction of licensing.
Background check
Licensing authority may conduct background check.
Compact
Recognition does not apply where the covered licence is subject to an applicable interstate compact.
Covered license
Licence in good standing; no revocation or discipline, pending unprofessional-conduct investigation, or voluntary surrender under investigation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit prior home application or Uniform Application and $50 filing fee, subject to retaliatory fees; Commissioner may verify licensing database and deny for statutory disqualification.
Home license
Current resident licence in good standing for the same line in the home jurisdiction.
Reciprocity
Home jurisdiction awards equivalent nonresident licences to Tennessee residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Compliance with home-jurisdiction continuing education meets Tennessee requirements when reciprocal recognition applies.
Renewal
Biennial renewal, $60 fee subject to retaliation.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Continuing education
Applicable continuing education and renewal requirements must be met.
Deadline
Within 12 months after expiration.
Fees
Remit licence fee plus penalty equal to twice the renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Renewal or restoration with military service or extenuating circumstance waiver request
Accident and Health Agent
Background check
Rule 0780-01-56-.07(7) requires a fresh fingerprint check where an examination is required after licence lapse.
Eligibility
Unable to comply with renewal because of military service or other extenuating circumstance such as long-term medical disability.
Waiver
May request waiver of renewal procedures, any examination requirement, and sanctions. Granting the request is an applicant-specific Commission decision; examination otherwise follows the health line.
Resident initial licensure by examination
Accident and Health Agent
Age
At least 18 years old.
Application
Submit truthful and complete Uniform Application and $50 filing fee; no disqualifying act under 56-6-112; Department may require verification documents.
Appointment
An insurer appointment is required before acting as its agent; appointment notice within 15 days of agency contract or first insurance application.
Fingerprints
Fingerprint-based background check; Department instructs completion at least 2 business days before filing.
Prelicensing
The amended statute 56-6-106(a)(3) requires prelicensing coursework only for title insurance; current Department instructions likewise limit it to title. The lower-ranked September 2020 Rule 0780-01-56-.06 still states: “All applicants for an insurance producer license, unless exempt pursuant to Paragraph (5) of this Rule or otherwise exempted by law, are required to complete an online or classroom pre-licensing course of study prior to taking the examination required.” It lists 20 hours for accident and health and education exemptions for CIC, RHU, CEBS, REBC, HIA, and an accredited insurance degree. This stale rule demand is recorded as an applicant condition; it does not change the statutory examination set.
Residency
Tennessee resident; proof of residency required.
Score submission
Pearson VUE transmits the passing result electronically; wait 48 hours after taking the exam before submitting the electronic application.
Specialized training
For long-term care partnership sales, complete the separately required initial and ongoing product training; these training courses are conditions, not separate licence examinations.
Resident licensure with same line prior license examination exemption
No examination is required for this applicant pathway.
Application
Uniform Application and $50 fee; resident applicant age and conduct requirements continue to apply.
Good standing
Prior authority certification or NAIC database must show good standing at cancellation for the requested line.
Same line
Currently licensed for the same line in another jurisdiction, or application received within 90 days of prior licence cancellation.

Official no-examination sources

Effective from 2026-09-22.

Conversion to resident licensure after relocation
No examination is required for this applicant pathway.
Commissioner rule
Examination exemption applies except where the Commissioner determines otherwise by rule; the general examination rule expressly preserves legal exemptions.
Deadline
Apply within 90 days of establishing legal residence for lines previously held.
Inactivation
Department requires inactivation of previous resident and existing Tennessee nonresident licences, verification through the National Producer Database, proof of Tennessee residency, and $50 filing fee.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing education
24 approved hours including 3 ethics hours per renewal cycle; continuously licensed since January 1, 1994 exempt; Commissioner may grant extensions/exceptions for poor health, military service or other reasonable and just causes.
Renewal
Renew every two years by the end of the birth month using Department/NIPR renewal form and $60 fee.
Specialized training
Long-term care partnership producers need initial 8-hour training and ongoing 4-hour training every 24 months; producers continuously licensed since January 1, 1994 are exempt from the ongoing 4-hour course.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary insurance producer license for servicing an insurance business for no more than 180 days, without requiring an examination.

Licensing authority: tennessee department of commerce and insurance · Application information

Designee of producer entering military service
No examination is required for this applicant pathway.
Application
Submit individual Uniform Application and $50 filing fee to Department.
Duration
No more than 180 days; Commission must deem temporary licensing necessary for servicing the business.
Eligibility
Designee of a producer entering active service in the United States armed forces.
Limitations
Commission may limit authority, require a suitable licensed producer/insurer sponsor assuming responsibility, and suspend or revoke licence. Licence cannot continue after owner or personal representative disposes of business.

Official no-examination sources

Effective from 2026-09-22.

Business entity member or employee
No examination is required for this applicant pathway.
Application
Submit individual Uniform Application and $50 filing fee to Department.
Duration
No more than 180 days; Commission must deem temporary licensing necessary for servicing the business.
Eligibility
Member or employee of a licensed business entity upon death or disability of its designated individual.
Limitations
Commission may limit authority, require a suitable licensed producer/insurer sponsor assuming responsibility, and suspend or revoke licence. Licence cannot continue after owner or personal representative disposes of business.

Official no-examination sources

Effective from 2026-09-22.

Commissioner public interest temporary issuance
No examination is required for this applicant pathway.
Application
Submit individual Uniform Application and $50 filing fee to Department.
Duration
No more than 180 days; Commission must deem temporary licensing necessary for servicing the business.
Eligibility
Other circumstance where Commissioner deems issuance serves the public interest.
Limitations
Commission may limit authority, require a suitable licensed producer/insurer sponsor assuming responsibility, and suspend or revoke licence. Licence cannot continue after owner or personal representative disposes of business.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or personal representative
No examination is required for this applicant pathway.
Application
Submit individual Uniform Application and $50 filing fee to Department.
Duration
No more than 180 days; Commission must deem temporary licensing necessary for servicing the business.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; allow business sale, recovery, or training/licensing new personnel.
Limitations
Commission may limit authority, require a suitable licensed producer/insurer sponsor assuming responsibility, and suspend or revoke licence. Licence cannot continue after owner or personal representative disposes of business.

Official no-examination sources

Effective from 2026-09-22.

Accident and Health Agent

Provider
Pearson VUE
Format
Multiple-choice; general product knowledge and Tennessee law within one examination; test-center or OnVUE delivery
Exam questions
68 scored questions (50 general knowledge and 18 Tennessee-specific) plus 9 pretest questions (5 general knowledge and 4 Tennessee-specific)
Time limit
1 hour and 45 minutes
Passing score
70 scaled score on the reporting scale of 0 to 100
Exam fee
$55 for Accident & Health taken alone
Examination outline
  • I. Types of Policies
    • 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
  • II. Policy Provisions, Clauses, and Riders
    • 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 earnings 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
  • III. Social Insurance
    • A. Medicare (Parts A, B, C, D)
    • B. Medicaid
    • C. Social Security benefits
  • 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
  • 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. 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.a. Conditional
    • H. Contract law — 4.b. Unilateral
    • H. Contract law — 4.c. Adhesion
    • H. Contract law — 4.d. Aleatory
  • VI. Tennessee Laws, and Departmental Rules Common to Life, Accident and Health, Property and Casualty Insurance
    • A. Powers of Commissioner
    • A. Powers of Commissioner — 1. Hearings and judicial review
    • A. Powers of Commissioner — 2. Investigations
    • A. Powers of Commissioner — 3. Regulatory authority
    • A. Powers of Commissioner — 4. Penalties
    • B. Definitions
    • B. Definitions — 1. Insurance Producer
    • B. Definitions — 2. Business Entity
    • B. Definitions — 3. Limited Lines Producer
    • B. Definitions — 4. Unauthorized insurer
    • B. Definitions — 5. Compensation and referrals
    • B. Definitions — 6. Fiduciary
    • B. Definitions — 7. Domestic and Foreign Insurance Companies
    • C. License Requirements
    • C. License Requirements — 1. Insurance Producer
    • C. License Requirements — 2. Agency Appointments/Termination
    • C. License Requirements — 3. Resident/nonresident
    • C. License Requirements — 4. Exceptions
    • C. License Requirements — 4.a. Licenses
    • C. License Requirements — 4.b. Examination
    • C. License Requirements — 5. Temporary license
    • C. License Requirements — 6. License renewal
    • C. License Requirements — 7. General requirements
    • C. License Requirements — 8. Continuing Education
    • D. License Suspension/Revocation
    • D. License Suspension/Revocation — 1. General provisions
    • D. License Suspension/Revocation — 2. Notice
    • E. Unfair Practices
    • E. Unfair Practices — 1. False advertising
    • E. Unfair Practices — 2. Defamation
    • E. Unfair Practices — 3. Boycotting, coercion, and intimidation
    • E. Unfair Practices — 4. Unfair Discrimination
    • E. Unfair Practices — 5. Rebating
    • E. Unfair Practices — 6. Unfair claims settlement practices
    • E. Unfair Practices — 7. Other topics
    • F. Life and Health Guaranty Association
  • VII. Tennessee Laws, and Departmental Rules Pertinent to Accident and Health Insurance Only
    • A. Required provisions
    • B. Policy cancellation, renewal
    • C. Group policies
    • D. Blanket or franchise school insurance
    • E. School accident coverage
    • F. Medicare supplement insurance
    • F. Medicare supplement insurance — 1. Policy Terms/Definitions
    • F. Medicare supplement insurance — 2. Prohibited Policy provisions
    • F. Medicare supplement insurance — 3. Minimum standards
    • F. Medicare supplement insurance — 4. Eligibility
    • G. Long-term Care
    • H. Mandated Coverages (Offerings and Benefits)
    • I. External Review
    • J. Affordable Care Act
    • J. Affordable Care Act — 1. Exchanges/Marketplace (ACA Section 1321)
    • J. Affordable Care Act — 2. Taxes, penalties, and subsidies (ACA Section 1401, 1402)
    • J. Affordable Care Act — 3. Essential health benefits (ACA Section 1302)
    • J. Affordable Care Act — 3.a. Mental health and substance use disorder parity
    • J. Affordable Care Act — 3.b. Pediatric services
    • J. Affordable Care Act — 3.c. Preventive services
    • J. Affordable Care Act — 4. Employer notification responsibilities (ACA Section 1511-1515)
    • J. Affordable Care Act — 5. Fees for individual major medical policy when commission is not paid (56-6-125(b))
Examination sources