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Delaware Life Insurance — Requirements & Free Practice

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

Fraternal Producer — Life

Society agents subject to Chapter 17 licensing; agents licensed before January 1, 1997 are examination-exempt. Section 6233(b)-(c) excludes specified salaried and limited-time society activities from agent licensure.

Licensing authority: Delaware Department of Insurance · Application information

Fraternal agent licensed before January 1, 1997
No examination is required for this applicant pathway.
Continued Qualification
Maintain the appropriate fraternal license and satisfy applicable renewal requirements.
Grandfather Date
Agent of a society licensed before January 1, 1997; § 6233(a) exempts written or other examinations.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Individual reapplication within 12 months after lapse
No examination is required for this applicant pathway.
Financial Penalty
First six months: double unpaid renewal fee; second six months: possible $200-$1,000 civil fine. Provide continuing-education compliance before reissue.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Lapse Window
Reapply for the same license within 12 months of the renewal-fee or continuing-education due date.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.
Waiver
Military service or other extenuating circumstances may support a requested waiver under § 1707(h).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the proper request and fees and the home-state application or completed Uniform Application.
Home State License
Currently hold the corresponding resident line of authority in good standing; the home state must award nonresident licenses to Delaware residents on the same basis.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Other Jurisdiction Examinations
Any examination underlying the home-state license is an applicant qualification, not a Delaware requirement leaf.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Nonresident producers meet home-state continuing education requirements; the Department FAQ exempts them from Delaware continuing education.
Current License
Renew the existing corresponding line of authority and pay required fees.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination
DE Life Producer
Annuity Training
Before selling annuities, complete the approved annuity training required by 18 DE Admin. Code 1214 § 5.2.1; insurer product knowledge and verification also apply.
Application
Submit a truthful, complete Uniform Application electronically through NIPR; pay the required licensing fee.
Criminal History
For a resident license, submit fingerprints for state and FBI criminal-history reports; the Department checklist requires reports dated within 90 days of receipt.
Exam Score Window
All examination score reports are valid for 12 months; both examination portions must be passed within one year.
Fitness
No act constituting a denial, suspension or revocation ground under § 1712.
Home State
Reside in Delaware or work for a licensed insurance business with a physical Delaware location open to the public; registered-agent services and a Delaware postal box do not establish residence.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Minimum Age
At least 18 years of age under 18 Del. C. § 1706(a)(1).
Prelicensing Education
The Department FAQ states that no prelicensing education is required.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.
Resident issuance with prior license examination exemption
No examination is required for this applicant pathway.
Application
Meet all applicable resident application, fee and criminal-history requirements.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Prior License
Previously licensed for the same line in another state, and either currently licensed there or apply within 90 days of cancellation with evidence of good standing.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after lapse exceeding 12 months
DE Life Producer
Fine
Where the licensee failed to surrender or renew timely, applicable unpaid civil fines must be paid before reapplication.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Lapse Window
The 12-month no-examination reapplication window under § 1707(g) has elapsed; comply with initial resident licensing requirements.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.
Waiver
Military service or other extenuating circumstances may support an examination-waiver request under § 1707(h).
Resident reinstatement after cancellation, suspension or revocation for 12 months or more
DE Life Producer
Commissioner Waiver
The licensee may request waiver of an examination requirement caused by renewal noncompliance for military service or other extenuating circumstances under § 1707(h).
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Inactive Period
Resident license canceled, suspended or revoked for at least 12 months; complete § 1706 requirements and retake the examinations for the requested lines.
New License CEWaiver
The newly licensed individual CE waiver under Regulation 504 § 8.2.5 does not apply.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.
Resident issuance after moving to Delaware
No examination is required for this applicant pathway.
Application
Meet resident application, fee and criminal-history requirements.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Relocation
Apply within 90 days of establishing legal residence; previously hold the same line in the prior state. No prelicensing education or examination is required except where the Commissioner determines otherwise by regulation.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Meet applicable continuing education requirements, subject to the official exemptions, automatic credit and waivers. Fraternal agents require 12 credits including 3 ethics credits; ordinary resident producers require 24 including 3 ethics credits. The Department FAQ exempts limited-credit licensees from CE.
Current License
Renew the existing corresponding line of authority and pay required fees.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.

Official no-examination sources

Effective from 2026-09-22.

Restoration after suspension shorter than 12 months
No examination is required for this applicant pathway.
CErelated Suspension
For a CE-related suspension, satisfy education in arrears and pay the administrative fine within 12 months; an insurer may terminate an appointment separately.
Implementation Difference
The Department Licensing Procedures resident Fraternal Producer checklist contains no affirmative examination bullet but says: FRATERNAL PRODUCER Resident – □ Electronic Submission: www.nipr.com □ A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required. See Page 1. 2 □ Once the application has been submitted through NIPR. Examination results are received electronically from Pearson Vue.  $125.00 Fee Chapter 62 § 6233(a) applies Chapter 17 licensing to new agents; the statutory examination requirement controls.
Society
Act for an authorized fraternal benefit society; § 6233(b)-(c) licensing exceptions depend on compensation and time devoted to solicitation.
Suspension
Suspension period shorter than 12 months; satisfy the Commissioner’s imposed terms and conditions.
Unnamed Assessment
Any assessment imposed solely by an individual order without an identified examination is an applicant condition, not an invented examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Producer — Life (Pre-Need Insurance)

Life or annuity products used solely to fund a pre-arranged funeral program.

Licensing authority: Delaware Department of Insurance · Application information

Individual reapplication within 12 months after lapse
No examination is required for this applicant pathway.
Financial Penalty
First six months: double unpaid renewal fee; second six months: possible $200-$1,000 civil fine. Provide continuing-education compliance before reissue.
Lapse Window
Reapply for the same license within 12 months of the renewal-fee or continuing-education due date.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.
Waiver
Military service or other extenuating circumstances may support a requested waiver under § 1707(h).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the proper request and fees and the home-state application or completed Uniform Application.
Home State License
Currently hold the corresponding resident line of authority in good standing; the home state must award nonresident licenses to Delaware residents on the same basis.
Other Jurisdiction Examinations
Any examination underlying the home-state license is an applicant qualification, not a Delaware requirement leaf.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Nonresident producers meet home-state continuing education requirements; the Department FAQ exempts them from Delaware continuing education.
Current License
Renew the existing corresponding line of authority and pay required fees.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination
DE Life Producer
Annuity Training
Before selling annuities, complete the approved annuity training required by 18 DE Admin. Code 1214 § 5.2.1; insurer product knowledge and verification also apply.
Application
Submit a truthful, complete Uniform Application electronically through NIPR; pay the required licensing fee.
Criminal History
For a resident license, submit fingerprints for state and FBI criminal-history reports; the Department checklist requires reports dated within 90 days of receipt.
Exam Score Window
All examination score reports are valid for 12 months; both examination portions must be passed within one year.
Fitness
No act constituting a denial, suspension or revocation ground under § 1712.
Home State
Reside in Delaware or work for a licensed insurance business with a physical Delaware location open to the public; registered-agent services and a Delaware postal box do not establish residence.
Minimum Age
At least 18 years of age under 18 Del. C. § 1706(a)(1).
Prelicensing Education
The Department FAQ states that no prelicensing education is required.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.
Resident issuance with prior license examination exemption
No examination is required for this applicant pathway.
Application
Meet all applicable resident application, fee and criminal-history requirements.
Prior License
Previously licensed for the same line in another state, and either currently licensed there or apply within 90 days of cancellation with evidence of good standing.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after lapse exceeding 12 months
DE Life Producer
Fine
Where the licensee failed to surrender or renew timely, applicable unpaid civil fines must be paid before reapplication.
Lapse Window
The 12-month no-examination reapplication window under § 1707(g) has elapsed; comply with initial resident licensing requirements.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.
Waiver
Military service or other extenuating circumstances may support an examination-waiver request under § 1707(h).
Resident reinstatement after cancellation, suspension or revocation for 12 months or more
DE Life Producer
Commissioner Waiver
The licensee may request waiver of an examination requirement caused by renewal noncompliance for military service or other extenuating circumstances under § 1707(h).
Inactive Period
Resident license canceled, suspended or revoked for at least 12 months; complete § 1706 requirements and retake the examinations for the requested lines.
New License CEWaiver
The newly licensed individual CE waiver under Regulation 504 § 8.2.5 does not apply.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.
Resident issuance after moving to Delaware
No examination is required for this applicant pathway.
Application
Meet resident application, fee and criminal-history requirements.
Relocation
Apply within 90 days of establishing legal residence; previously hold the same line in the prior state. No prelicensing education or examination is required except where the Commissioner determines otherwise by regulation.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Meet applicable continuing education requirements, subject to the official exemptions, automatic credit and waivers. Fraternal agents require 12 credits including 3 ethics credits; ordinary resident producers require 24 including 3 ethics credits. The Department FAQ exempts limited-credit licensees from CE.
Current License
Renew the existing corresponding line of authority and pay required fees.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.

Official no-examination sources

Effective from 2026-09-22.

Restoration after suspension shorter than 12 months
No examination is required for this applicant pathway.
CErelated Suspension
For a CE-related suspension, satisfy education in arrears and pay the administrative fine within 12 months; an insurer may terminate an appointment separately.
Scope Restriction
Only life insurance or annuity products used solely to fund a pre-arranged funeral program.
Suspension
Suspension period shorter than 12 months; satisfy the Commissioner’s imposed terms and conditions.
Unnamed Assessment
Any assessment imposed solely by an individual order without an identified examination is an applicant condition, not an invented examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Life

Life line of authority, including endowment and annuity benefits. Agent, broker and consultant are capacities of the producer license. Separate consultant licenses stopped March 1, 2002; solicitor licenses were converted to agent licenses after November 30, 1975. The short Regulation 501 artifact contains the actual discontinuation provision despite its thin receipt.

Licensing authority: Delaware Department of Insurance · Application information

Individual reapplication within 12 months after lapse
No examination is required for this applicant pathway.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Financial Penalty
First six months: double unpaid renewal fee; second six months: possible $200-$1,000 civil fine. Provide continuing-education compliance before reissue.
Lapse Window
Reapply for the same license within 12 months of the renewal-fee or continuing-education due date.
Waiver
Military service or other extenuating circumstances may support a requested waiver under § 1707(h).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the proper request and fees and the home-state application or completed Uniform Application.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Home State License
Currently hold the corresponding resident line of authority in good standing; the home state must award nonresident licenses to Delaware residents on the same basis.
Other Jurisdiction Examinations
Any examination underlying the home-state license is an applicant qualification, not a Delaware requirement leaf.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Continuing Education
Nonresident producers meet home-state continuing education requirements; the Department FAQ exempts them from Delaware continuing education.
Current License
Renew the existing corresponding line of authority and pay required fees.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination
DE Life Producer
Annuity Training
Before selling annuities, complete the approved annuity training required by 18 DE Admin. Code 1214 § 5.2.1; insurer product knowledge and verification also apply.
Application
Submit a truthful, complete Uniform Application electronically through NIPR; pay the required licensing fee.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Criminal History
For a resident license, submit fingerprints for state and FBI criminal-history reports; the Department checklist requires reports dated within 90 days of receipt.
Exam Score Window
All examination score reports are valid for 12 months; both examination portions must be passed within one year.
Fitness
No act constituting a denial, suspension or revocation ground under § 1712.
Home State
Reside in Delaware or work for a licensed insurance business with a physical Delaware location open to the public; registered-agent services and a Delaware postal box do not establish residence.
Minimum Age
At least 18 years of age under 18 Del. C. § 1706(a)(1).
Prelicensing Education
The Department FAQ states that no prelicensing education is required.
Resident issuance with prior license examination exemption
No examination is required for this applicant pathway.
Application
Meet all applicable resident application, fee and criminal-history requirements.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Prior License
Previously licensed for the same line in another state, and either currently licensed there or apply within 90 days of cancellation with evidence of good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after lapse exceeding 12 months
DE Life Producer
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Fine
Where the licensee failed to surrender or renew timely, applicable unpaid civil fines must be paid before reapplication.
Lapse Window
The 12-month no-examination reapplication window under § 1707(g) has elapsed; comply with initial resident licensing requirements.
Waiver
Military service or other extenuating circumstances may support an examination-waiver request under § 1707(h).
Resident reinstatement after cancellation, suspension or revocation for 12 months or more
DE Life Producer
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Commissioner Waiver
The licensee may request waiver of an examination requirement caused by renewal noncompliance for military service or other extenuating circumstances under § 1707(h).
Inactive Period
Resident license canceled, suspended or revoked for at least 12 months; complete § 1706 requirements and retake the examinations for the requested lines.
New License CEWaiver
The newly licensed individual CE waiver under Regulation 504 § 8.2.5 does not apply.
Resident issuance after moving to Delaware
No examination is required for this applicant pathway.
Application
Meet resident application, fee and criminal-history requirements.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Relocation
Apply within 90 days of establishing legal residence; previously hold the same line in the prior state. No prelicensing education or examination is required except where the Commissioner determines otherwise by regulation.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Continuing Education
Meet applicable continuing education requirements, subject to the official exemptions, automatic credit and waivers. Fraternal agents require 12 credits including 3 ethics credits; ordinary resident producers require 24 including 3 ethics credits. The Department FAQ exempts limited-credit licensees from CE.
Current License
Renew the existing corresponding line of authority and pay required fees.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Restoration after suspension shorter than 12 months
No examination is required for this applicant pathway.
CErelated Suspension
For a CE-related suspension, satisfy education in arrears and pay the administrative fine within 12 months; an insurer may terminate an appointment separately.
Capacity
Acting as consultant does not create a separate consultant credential; § 1702(9) and the Department FAQ identify this as producer licensure.
Suspension
Suspension period shorter than 12 months; satisfy the Commissioner’s imposed terms and conditions.
Unnamed Assessment
Any assessment imposed solely by an individual order without an identified examination is an applicant condition, not an invented examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Variable Life and Variable Annuity

Variable products authority with life-license qualification and securities registration conditions; the current life examination remains a leaf where officially named.

Licensing authority: Delaware Department of Insurance · Application information

Individual reapplication within 12 months after lapse
No examination is required for this applicant pathway.
Financial Penalty
First six months: double unpaid renewal fee; second six months: possible $200-$1,000 civil fine. Provide continuing-education compliance before reissue.
Lapse Window
Reapply for the same license within 12 months of the renewal-fee or continuing-education due date.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.
Waiver
Military service or other extenuating circumstances may support a requested waiver under § 1707(h).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit the proper request and fees and the home-state application or completed Uniform Application.
Home State License
Currently hold the corresponding resident line of authority in good standing; the home state must award nonresident licenses to Delaware residents on the same basis.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Other Jurisdiction Examinations
Any examination underlying the home-state license is an applicant qualification, not a Delaware requirement leaf.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Nonresident producers meet home-state continuing education requirements; the Department FAQ exempts them from Delaware continuing education.
Current License
Renew the existing corresponding line of authority and pay required fees.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination
DE Life Producer
Annuity Training
Before selling annuities, complete the approved annuity training required by 18 DE Admin. Code 1214 § 5.2.1; insurer product knowledge and verification also apply.
Application
Submit a truthful, complete Uniform Application electronically through NIPR; pay the required licensing fee.
Criminal History
For a resident license, submit fingerprints for state and FBI criminal-history reports; the Department checklist requires reports dated within 90 days of receipt.
Exam Score Window
All examination score reports are valid for 12 months; both examination portions must be passed within one year.
Fitness
No act constituting a denial, suspension or revocation ground under § 1712.
Home State
Reside in Delaware or work for a licensed insurance business with a physical Delaware location open to the public; registered-agent services and a Delaware postal box do not establish residence.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Minimum Age
At least 18 years of age under 18 Del. C. § 1706(a)(1).
Prelicensing Education
The Department FAQ states that no prelicensing education is required.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.
Resident issuance with prior license examination exemption
No examination is required for this applicant pathway.
Application
Meet all applicable resident application, fee and criminal-history requirements.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Prior License
Previously licensed for the same line in another state, and either currently licensed there or apply within 90 days of cancellation with evidence of good standing.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after lapse exceeding 12 months
DE Life Producer
Fine
Where the licensee failed to surrender or renew timely, applicable unpaid civil fines must be paid before reapplication.
Lapse Window
The 12-month no-examination reapplication window under § 1707(g) has elapsed; comply with initial resident licensing requirements.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.
Waiver
Military service or other extenuating circumstances may support an examination-waiver request under § 1707(h).
Resident reinstatement after cancellation, suspension or revocation for 12 months or more
DE Life Producer
Commissioner Waiver
The licensee may request waiver of an examination requirement caused by renewal noncompliance for military service or other extenuating circumstances under § 1707(h).
Inactive Period
Resident license canceled, suspended or revoked for at least 12 months; complete § 1706 requirements and retake the examinations for the requested lines.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
New License CEWaiver
The newly licensed individual CE waiver under Regulation 504 § 8.2.5 does not apply.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.
Resident issuance after moving to Delaware
No examination is required for this applicant pathway.
Application
Meet resident application, fee and criminal-history requirements.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Relocation
Apply within 90 days of establishing legal residence; previously hold the same line in the prior state. No prelicensing education or examination is required except where the Commissioner determines otherwise by regulation.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Meet applicable continuing education requirements, subject to the official exemptions, automatic credit and waivers. Fraternal agents require 12 credits including 3 ethics credits; ordinary resident producers require 24 including 3 ethics credits. The Department FAQ exempts limited-credit licensees from CE.
Current License
Renew the existing corresponding line of authority and pay required fees.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Renewal Cycle
Resident renewals are biennial by February 28 in even-numbered years; nonresident renewals are biennial by February 28 in odd-numbered years.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.

Official no-examination sources

Effective from 2026-09-22.

Restoration after suspension shorter than 12 months
No examination is required for this applicant pathway.
CErelated Suspension
For a CE-related suspension, satisfy education in arrears and pay the administrative fine within 12 months; an insurer may terminate an appointment separately.
Life License
Hold a life insurance license; Regulation 1201 § 9.2 requires passing the life-agent examination or otherwise qualifying for the life-agent license. Alternative qualification and exemptions are applicant conditions.
Securities Qualification
Present a valid NASD securities license (Series 6 or 7) under Regulation 1201 § 9.2 and maintain the required securities registration. These are examinations of another profession and are conditions, not insurance-exam leaves.
Suspension
Suspension period shorter than 12 months; satisfy the Commissioner’s imposed terms and conditions.
Unnamed Assessment
Any assessment imposed solely by an individual order without an identified examination is an applicant condition, not an invented examination leaf.

Official no-examination sources

Effective from 2026-09-22.

DE Life Producer

Provider
Pearson VUE
Format
Computer examination with general-knowledge and state-statutes/regulations portions; both portions must be passed within one year.
Exam questions
50 scored general-knowledge questions and 40 scored state questions, plus unscored pretest questions. The general pretest count differs between the outline (5) and available-examinations table (10).
Time limit
General portion: 1 hour 15 minutes; state portion: 1 hour
Exam fee
$90 per examination
Examination outline
  • General knowledge I. Types of Policies
    • A. Traditional whole life products
    • A.1. Ordinary whole life
    • A.2. Limited-pay and single-premium life
    • B. Interest/market-sensitive/adjustable life products
    • B.1. Universal life
    • B.2. Variable whole life
    • B.3. Variable universal life
    • B.4. Interest-sensitive whole life
    • B.5. Indexed life
    • C. Term life
    • C.1. Types
    • C.1.a. Level
    • C.1.b. Decreasing
    • C.1.c. Return of premium
    • C.1.d. Annually renewable
    • C.2. Special features
    • C.2.a. Renewable
    • C.2.b. Convertible
    • D. Annuities
    • D.1. Single and flexible premium
    • D.2. Immediate and deferred
    • D.3. Fixed and variable
    • D.4. Indexed
    • D.5. Accumulation and Annuity Periods
    • D.6. Payout options
    • E. Combination plans and variations
    • E.1. Joint life (first to die)
    • E.2. Survivorship life (second to die)
  • General knowledge II. Life Provisions, Riders, Options, and Exclusions
    • A. Policy riders
    • A.1. Waiver of premium and waiver of monthly deduction
    • A.2. Guaranteed insurability
    • A.3. Payor benefit
    • A.4. Accidental death and/or accidental death and dismemberment
    • A.5. Term riders
    • A.6. Other insureds
    • A.7. Long term care
    • A.8. Return of premium
    • A.9. Disability
    • A.10. Cost of Living
    • B. Policy provisions and options
    • B.1. Entire contract
    • B.2. Insuring clause
    • B.3. Free look
    • B.4. Consideration
    • B.5. Owner's rights
    • B.6. Beneficiary designations
    • B.6.a. Primary and contingent
    • B.6.b. Revocable and irrevocable
    • B.6.c. Common disaster
    • B.6.d. Minor beneficiaries
    • B.6.e. Designation by class
    • B.7. Premium Payment
    • B.7.a. Modes
    • B.7.b. Grace period
    • B.7.c. Automatic premium loan
    • B.7.d. Level or flexible
    • B.8. Reinstatement
    • B.9. Policy loans, withdrawals, partial surrenders
    • B.10. Non-forfeiture options
    • B.11. Dividends and dividend options (e.g., participating, non-participating)
    • B.12. Incontestability
    • B.13. Assignments
    • B.14. Suicide
    • B.15. Misstatement of age or gender
    • B.16. Settlement options
    • B.17. Accelerated death benefits
    • C. Policy exclusions
    • C.1. War
    • C.2. Aviation
    • C.3. Dangerous Occupation
  • General knowledge III. Completing the Application, Underwriting, and Delivering the Policy
    • A. Completing the application
    • A.1. Required signatures
    • A.2. Changes in the application
    • A.3. Consequences of incomplete applications
    • A.4. Warranties and representations
    • A.5. Collecting the initial premium and issuing the receipt
    • A.6. Replacement
    • A.7. Disclosures at point of sale (e.g. HIPAA, HIV consent)
    • A.8. USA PATRIOT Act/anti-money laundering
    • A.9. Gramm-Leach-Bliley Act (GLBA) Privacy
    • B. Underwriting
    • B.1. Insurable interest
    • B.2. Medical information and consumer reports
    • B.3. Fair Credit Reporting Act
    • B.4. Risk classification
    • B.5. Stranger/Investor-owned life insurance (STOLI/IOLI)
    • C. Delivering the policy
    • C.1. When coverage begins
    • C.2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • D. Contract law
    • D.1. Elements of a legal contract
    • D.1.a. Consideration
    • D.1.b. Offer and Acceptance
    • D.1.c. Competent parties
    • D.1.d. Legal purpose
    • D.2. Unique aspects of the insurance contract
    • D.2.a. Conditional
    • D.2.b. Unilateral
    • D.2.c. Adhesion
    • D.2.d. Aleatory
  • General knowledge IV. Retirement and Other Insurance Concepts
    • A. Third-party ownership
    • B. Life Settlements
    • C. Group life insurance
    • C.1. Conversion privilege
    • C.2. Contributory vs. noncontributory
    • D. Retirement plans
    • D.1. Qualified plans
    • D.2. Nonqualified plans
    • E. Life insurance needs analysis/suitability
    • E.1. Personal insurance needs
    • E.2. Business insurance needs
    • E.2.a. Key person
    • E.2.b. Buy sell
    • F. Social Security benefits
    • G. Tax treatment of insurance premiums, proceeds, and dividends
    • G.1. Individual life
    • G.2. Group life
    • G.3. Modified Endowment Contracts (MECs)
  • State specific I. Delaware Statutes, Regulations, and Bulletins Pertinent to Life, Accident and Health, Property and Casualty Insurance
    • A. License Regulations
    • A.1. Persons required to be licensed and responsibilities
    • A.1.a. Producer/Agent
    • A.1.b. Producer/Consultant
    • A.2. License requirements
    • A.2.a. Fees and application
    • A.2.b. Prerequisites
    • A.2.c. Written examinations and exemptions
    • A.2.d. Exemptions from licensing
    • A.2.e. Insurer's appointment
    • A.3. Authority
    • A.3.a. Definitions
    • A.3.b. License requirements
    • A.3.c. Lines of authority
    • A.3.d. Termination of appointment
    • A.4. Notice of address change
    • A.5. Continuing education
    • B. Marketing Practices
    • B.1. Duties of licensed personnel
    • B.2. Record keeping
    • B.3. Compensation of licensees
    • B.4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C.1. Election and term
    • C.2. General powers and duties
    • C.3. Examination of insurers and producers
    • C.4. Hearings
    • C.5. Cease and desist orders and penalties
    • C.6. General penalties
  • State specific II. Delaware Statutes, Rules, Regulations, and Bulletins Common to Both Life and Health Insurance
    • A. Credit Life and Health
    • B. Life and Health Guaranty Association Act
  • State specific III. Delaware Statutes, Rules, Regulations, and Bulletins Pertinent to Life Insurance Only
    • A. Life insurance standard provisions
    • B. Annuity and endowment contracts standard provisions
    • C. Standard Nonforfeiture Law
    • D. Prohibited policies
    • E. Policy replacement
    • F. Life insurance solicitation
    • G. Group life insurance
    • G.1. Types of groups
    • G.2. Dependent coverage
    • G.3. Required provisions
    • G.4. Employee life insurance
  • State specific IV. Insurance Ethics
    • A. Definitions
    • A.1. Market Conduct
    • A.2. Authority
    • A.2.a. Express
    • A.2.b. Implied
    • A.2.c. Apparent
    • A.3. Agency versus individual licensee
    • A.4. Suitability
    • A.5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F.1. Twisting
    • F.2. Churning
    • F.3. Commingling
    • F.4. Misrepresentation
    • F.5. Defamation
    • F.6. Coercion and intimidation
    • F.7. Unfair discrimination
    • F.8. Rebating
    • F.9. Unfair claims settlement practices
    • F.10. Coercion of debtors
    • F.11. Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer's responsibilities
Examination sources