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Connecticut Personal Lines 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.

Insurance Producer (Business Entity) — Personal Lines

Business-entity authority to sell, solicit or negotiate personal-lines insurance through licensed responsible producers.

Licensing authority: Connecticut Insurance Department · Application information

Nonresident business entity amendment to add personal lines authority
No examination is required for this applicant pathway.
Amendment
Submit the amendment through NIPR; within the ninety-day renewal window, renew the existing license before adding authority.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Home License
Maintain a resident business-entity producer license in good standing in the home jurisdiction.
Reciprocity
The home jurisdiction must issue nonresident producer licenses to Connecticut residents on the same basis.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Home License
Maintain a resident business-entity producer license in good standing in the home jurisdiction.
Reciprocity
The home jurisdiction must issue nonresident producer licenses to Connecticut residents on the same basis.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reinstatement after one year
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Home License
Maintain a resident business-entity producer license in good standing in the home jurisdiction.
Lapse
After one year: submit a new application through NIPR.
Reciprocity
The home jurisdiction must issue nonresident producer licenses to Connecticut residents on the same basis.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reinstatement within one year
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Home License
Maintain a resident business-entity producer license in good standing in the home jurisdiction.
Lapse
Within one year after expiration: pay the renewal fee and $160 late fee, totaling $320.
Reciprocity
The home jurisdiction must issue nonresident producer licenses to Connecticut residents on the same basis.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Continuing Education
Business entities have no individual continuing-education requirement.
Home License
Maintain a resident business-entity producer license in good standing in the home jurisdiction.
Reciprocity
The home jurisdiction must issue nonresident producer licenses to Connecticut residents on the same basis.
Renewal
Renew through NIPR; entity licenses expire January 31 of even-numbered years.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity amendment to add personal lines authority
No examination is required for this applicant pathway.
Amendment
Submit the amendment through NIPR; within the ninety-day renewal window, renew the existing license before adding authority.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement after one year
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Lapse
After one year: submit a new application through NIPR.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement within one year
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Lapse
Within one year after expiration: pay the renewal fee and $160 late fee, totaling $320.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Use the uniform business-entity application through NIPR and pay the applicable fees.
Continuing Education
Business entities have no individual continuing-education requirement.
Renewal
Renew through NIPR; entity licenses expire January 31 of even-numbered years.
Responsible Producer
Designate at least one DRLP with an active Connecticut resident or nonresident producer license. For a standard-lines entity, the Department requires the DRLP to hold at least one standard-lines authority; Credit, Travel or Crop alone is insufficient.
Trustworthiness
Satisfy the commissioner that the entity meets the licensing qualifications and public-interest requirements.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Personal Lines

Individual producer authority for property and casualty coverage sold to individuals and families for noncommercial purposes.

Licensing authority: Connecticut Insurance Department · Application information

Nonresident amendment to add personal lines authority
No examination is required for this applicant pathway.
Application
Apply through NIPR to amend the Connecticut license.
Home License
The active home-state producer license must already carry personal-lines authority.
Reciprocity
Home-state reciprocity remains required.

Official no-examination sources

Effective from 2026-09-22.

Nonresident late renewal within one year
No examination is required for this applicant pathway.
Continuing Education
Home-state CE satisfies the requirement on a reciprocal basis under §38a-702n(b); the Department instructs nonresidents that no Connecticut CE is required.
Home License
Maintain an active home-state resident producer license with personal-lines authority.
Lapse
Within the one-year late-renewal period, submit a late-renewal application and fee through NIPR.
Renewal
Renew through NIPR and pay the renewal fee within the license period.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state or uniform application and required fees through NIPR.
Home License
Maintain an equivalent active resident producer license in good standing with personal-lines authority.
Reciprocity
The home jurisdiction must award nonresident producer licenses to Connecticut residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after the one year late renewal period
No examination is required for this applicant pathway.
Continuing Education
Home-state CE satisfies the requirement on a reciprocal basis under §38a-702n(b); the Department instructs nonresidents that no Connecticut CE is required.
Home License
Maintain an active home-state resident producer license with personal-lines authority.
Lapse
After the one-year late-renewal period, apply as a new license through NIPR with an active home-state resident license.
Renewal
Renew through NIPR and pay the renewal fee within the license period.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Continuing Education
Home-state CE satisfies the requirement on a reciprocal basis under §38a-702n(b); the Department instructs nonresidents that no Connecticut CE is required.
Home License
Maintain an active home-state resident producer license with personal-lines authority.
Renewal
Renew through NIPR and pay the renewal fee within the license period.

Official no-examination sources

Effective from 2026-09-22.

Resident amendment to add personal lines authority
Personal Lines Producer
Application
Submit a true, correct and complete uniform application through NIPR and pay the required fees.
Character
No ground for denial under §38a-702k; the commissioner also evaluates qualifications, trustworthiness and the public interest under §38a-702s.
Exam Admission
Present the prelicensing certificate or waiver letter at the examination.
Existing License
Hold a Connecticut producer license and request personal-lines authority as an additional line.
Minimum Age
At least eighteen years of age.
Passing Score Window
Apply within one year of passing the examination; after that window the Department requires the course and examination again.
Prelicensing Designation Waiver
AAI, ARM, CIC or CPCU may qualify for a prelicensing waiver; submit a society letter dated within ninety days under the Department instructions.
Prelicensing Education
Complete twenty hours of approved personal-lines training, or equivalent experience or training accepted by the commissioner under §38a-702e(e).
Score Reporting
Wait one to two business days for the Department to verify results electronically before applying.
Resident licensure with the Department CPCU examination exemption
No examination is required for this applicant pathway.
Designation
Hold the Chartered Property and Casualty Underwriter designation.
Education
CPCU also qualifies for the stated prelicensing education exemption.
Exemption Request
Apply through NIPR and submit a society letter dated within ninety days to cid.licensing@ct.gov, Attn: Producer Examination Exemption, including full name and NIPR transaction number.
Other Qualifications
Meet the remaining producer-license qualifications and fees. The Department exercises the statutory waiver for CPCU applicants.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Personal Lines Producer
Application
Submit a true, correct and complete uniform application through NIPR and pay the required fees.
Character
No ground for denial under §38a-702k; the commissioner also evaluates qualifications, trustworthiness and the public interest under §38a-702s.
Exam Admission
Present the prelicensing certificate or waiver letter at the examination.
Minimum Age
At least eighteen years of age.
Passing Score Window
Apply within one year of passing the examination; after that window the Department requires the course and examination again.
Prelicensing Designation Waiver
AAI, ARM, CIC or CPCU may qualify for a prelicensing waiver; submit a society letter dated within ninety days under the Department instructions.
Prelicensing Education
Complete twenty hours of approved personal-lines training, or equivalent experience or training accepted by the commissioner under §38a-702e(e).
Score Reporting
Wait one to two business days for the Department to verify results electronically before applying.
Resident reapplication after holding the same Connecticut license within the preceding year
Personal Lines Producer
Application
Submit a true, correct and complete uniform application through NIPR and pay the required fees.
Character
No ground for denial under §38a-702k; the commissioner also evaluates qualifications, trustworthiness and the public interest under §38a-702s.
Discretionary Waiver
The commissioner may waive the examination under §38a-702e(f). The exam remains involved where the waiver is not granted; lapse reinstatement within twelve months is separately provided under §38a-702f(c).
Exam Admission
Present the prelicensing certificate or waiver letter at the examination.
Minimum Age
At least eighteen years of age.
Passing Score Window
Apply within one year of passing the examination; after that window the Department requires the course and examination again.
Prelicensing Designation Waiver
AAI, ARM, CIC or CPCU may qualify for a prelicensing waiver; submit a society letter dated within ninety days under the Department instructions.
Prelicensing Education
Complete twenty hours of approved personal-lines training, or equivalent experience or training accepted by the commissioner under §38a-702e(e).
Previous License
Held a Connecticut license of the same type within the year preceding this application.
Score Reporting
Wait one to two business days for the Department to verify results electronically before applying.
Resident licensure after cancellation of a same lines home state license
No examination is required for this applicant pathway.
Application
Submit the resident application through NIPR; no prelicensing education or examination is required.
Application Window
Apply no later than ninety days after cancellation.
Good Standing
The prior licensing authority or NAIC database must establish good standing at cancellation.
Previous License
Previously licensed for the same lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement more than one year after expiration
Personal Lines Producer
Application
Submit a true, correct and complete uniform application through NIPR and pay the required fees.
Character
No ground for denial under §38a-702k; the commissioner also evaluates qualifications, trustworthiness and the public interest under §38a-702s.
Department Instruction
Complete the full prelicensing course, pass the required licensing examination, and submit the reinstatement application through NIPR.
Exam Admission
Present the prelicensing certificate or waiver letter at the examination.
Lapse
The previous Connecticut resident producer license expired more than one year ago.
Minimum Age
At least eighteen years of age.
Passing Score Window
Apply within one year of passing the examination; after that window the Department requires the course and examination again.
Prelicensing Designation Waiver
AAI, ARM, CIC or CPCU may qualify for a prelicensing waiver; submit a society letter dated within ninety days under the Department instructions.
Prelicensing Education
Complete twenty hours of approved personal-lines training, or equivalent experience or training accepted by the commissioner under §38a-702e(e).
Score Reporting
Wait one to two business days for the Department to verify results electronically before applying.
Resident reinstatement within twelve months after lapse
No examination is required for this applicant pathway.
Continuing Education
Complete deficient CE from the previous biennium and twenty-four credits in the current biennium under §38a-782a-13(a).
Course Assessments
Self-study CE requires a course-content examination supervised by an impartial and disinterested person. These course-dependent unnamed examinations are education conditions, not identified licensing-exam leaves.
Fees
Submit the reinstatement application through NIPR and pay $320; no written examination is required.
Flood Training
Personal-lines residents must complete the one-time three-credit approved NFIP flood course before the next renewal under the Department notice effective April 15, 2026; credits count toward General CE.
Lapse
Apply not later than twelve months after the renewal-fee due date.
Public Official Exception
Section 38a-782a suspends CE while a covered public official is prohibited from selling insurance.
Renewal
Renew through NIPR every two years on the last day of the birth month; the first license cycle may be shorter.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure when moving into Connecticut with same lines authority
No examination is required for this applicant pathway.
Application Window
Apply within ninety days after establishing legal residence; §38a-702g(c) also requires the residency change and certification within thirty days.
Department Process
With an active prior resident license, apply first for a Connecticut nonresident license through NIPR, then submit the Residency Change Request form.
Previous License
Hold the same lines of authority in the prior resident jurisdiction.
Statutory Exception
Section 38a-702h(b) exempts previously held lines from education and examination except where the commissioner determines otherwise by regulation.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four approved CE credits per biennium, including at least three credits of Connecticut law, regulations or ethics; the Department transcript must show compliance.
Course Assessments
Self-study CE requires a course-content examination supervised by an impartial and disinterested person. These course-dependent unnamed examinations are education conditions, not identified licensing-exam leaves.
Fees
Pay the renewal fee of $160; late renewal after the deadline costs $320.
Flood Training
Personal-lines residents must complete the one-time three-credit approved NFIP flood course before the next renewal under the Department notice effective April 15, 2026; credits count toward General CE.
Public Official Exception
Section 38a-782a suspends CE while a covered public official is prohibited from selling insurance.
Renewal
Renew through NIPR every two years on the last day of the birth month; the first license cycle may be shorter.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal with military service or other extenuating circumstance waiver request
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four approved CE credits per biennium, including at least three credits of Connecticut law, regulations or ethics; the Department transcript must show compliance.
Course Assessments
Self-study CE requires a course-content examination supervised by an impartial and disinterested person. These course-dependent unnamed examinations are education conditions, not identified licensing-exam leaves.
Extenuating Circumstance
Unable to comply with renewal procedures because of military service or an extenuating circumstance such as long-term medical disability.
Fees
Pay the renewal fee of $160; late renewal after the deadline costs $320.
Flood Training
Personal-lines residents must complete the one-time three-credit approved NFIP flood course before the next renewal under the Department notice effective April 15, 2026; credits count toward General CE.
Public Official Exception
Section 38a-782a suspends CE while a covered public official is prohibited from selling insurance.
Renewal
Renew through NIPR every two years on the last day of the birth month; the first license cycle may be shorter.
Waiver Request
The producer may request waiver of renewal procedures and any examination requirement, fine or sanction; relief is subject to commissioner approval.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer

This family covers only reciprocal limited-lines authority whose home-state restriction falls within personal-lines property and casualty coverage; unrelated credit and travel authority is outside this credential scope.

Licensing authority: Connecticut Insurance Department · Application information

Nonresident limited lines reciprocity for a business entity
No examination is required for this applicant pathway.
Applicant Type
Business entity; designate a licensed responsible producer and meet the business-entity application requirements.
Home License
Hold a home-state limited-lines producer license in good standing whose restricted authority falls within the personal-lines major line in §38a-702f(a)(6).
Other Examinations
Examinations supporting a license in another jurisdiction are applicant conditions, never leaves of this Connecticut route.
Reciprocity
Meet the application, fee and reciprocal-home-state requirements of §38a-702g(a).
Restriction
Connecticut grants the same scope as the home-state license; this is not unrestricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines business entity amendment
No examination is required for this applicant pathway.
Amendment
The home-state limited-lines license must already grant the amended restricted personal-lines scope; Connecticut grants that same scope through the reciprocal application.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Responsible Producer
Maintain a licensed responsible producer under §38a-702e(b).
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines business entity reinstatement after year
No examination is required for this applicant pathway.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Lapse
After the one-year late-renewal period, submit a new reciprocal nonresident application with the current qualifying home-state restricted license.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Responsible Producer
Maintain a licensed responsible producer under §38a-702e(b).
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines business entity reinstatement within year
No examination is required for this applicant pathway.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Lapse
Apply within twelve months after lapse and pay the required late renewal and renewal fees.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Responsible Producer
Maintain a licensed responsible producer under §38a-702e(b).
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines business entity renewal
No examination is required for this applicant pathway.
Continuing Education
A nonresident satisfies CE through reciprocal home-state compliance; education is an applicant condition.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Renewal
Submit the proper renewal application and fee and maintain the qualifications for the license under §38a-784(a)(7).
Responsible Producer
Maintain a licensed responsible producer under §38a-702e(b).
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines reciprocity for an individual
No examination is required for this applicant pathway.
Applicant Type
Individual applicant.
Home License
Hold a home-state limited-lines producer license in good standing whose restricted authority falls within the personal-lines major line in §38a-702f(a)(6).
Other Examinations
Examinations supporting a license in another jurisdiction are applicant conditions, never leaves of this Connecticut route.
Reciprocity
Meet the application, fee and reciprocal-home-state requirements of §38a-702g(a).
Restriction
Connecticut grants the same scope as the home-state license; this is not unrestricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines individual amendment
No examination is required for this applicant pathway.
Amendment
The home-state limited-lines license must already grant the amended restricted personal-lines scope; Connecticut grants that same scope through the reciprocal application.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines individual reinstatement after year
No examination is required for this applicant pathway.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Lapse
After the one-year late-renewal period, submit a new reciprocal nonresident application with the current qualifying home-state restricted license.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines individual reinstatement within year
No examination is required for this applicant pathway.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Lapse
Apply within twelve months after lapse and pay the required late renewal and renewal fees.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited lines individual renewal
No examination is required for this applicant pathway.
Continuing Education
A nonresident satisfies CE through reciprocal home-state compliance; education is an applicant condition.
Home License
Maintain the home-state limited-lines producer license in good standing, restricted to coverage within the personal-lines major line.
Reciprocity
Home-state reciprocity under §§38a-702g and 38a-702n is required.
Renewal
Submit the proper renewal application and fee and maintain the qualifications for the license under §38a-784(a)(7).
Scope
Connecticut authority remains no broader than the home-state restricted personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary personal-lines authority for servicing an insurance business, with duration and scope controlled by the commissioner.

Licensing authority: Connecticut Insurance Department · Application information

Temporary licensure for a business entity member or employee
No examination is required for this applicant pathway.
Applicant Condition
Member or employee of a licensed producer business entity following death or disability of the designated individual.
Business Disposition
The license cannot continue after the owner or personal representative disposes of the business.
Commissioner Approval
The commissioner must deem the license necessary to service an insurance business, and may limit authority, require a licensed-producer or insurer sponsor, or revoke the license to protect insureds and the public.
Maximum Duration
Not more than one hundred eighty days.
Scope
Only the personal-lines portion of the business and authority approved by the commissioner is within this family.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for a military service designee
No examination is required for this applicant pathway.
Applicant Condition
Designee of a licensed producer entering active service in the United States armed forces.
Business Disposition
The license cannot continue after the owner or personal representative disposes of the business.
Commissioner Approval
The commissioner must deem the license necessary to service an insurance business, and may limit authority, require a licensed-producer or insurer sponsor, or revoke the license to protect insureds and the public.
Maximum Duration
Not more than one hundred eighty days.
Scope
Only the personal-lines portion of the business and authority approved by the commissioner is within this family.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure in another public interest circumstance
No examination is required for this applicant pathway.
Applicant Condition
Another circumstance in which the commissioner determines the public interest is best served by issuing a temporary license.
Business Disposition
The license cannot continue after the owner or personal representative disposes of the business.
Commissioner Approval
The commissioner must deem the license necessary to service an insurance business, and may limit authority, require a licensed-producer or insurer sponsor, or revoke the license to protect insureds and the public.
Maximum Duration
Not more than one hundred eighty days.
Scope
Only the personal-lines portion of the business and authority approved by the commissioner is within this family.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for a surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant Condition
Surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled; servicing pending sale, recovery, return or replacement personnel.
Business Disposition
The license cannot continue after the owner or personal representative disposes of the business.
Commissioner Approval
The commissioner must deem the license necessary to service an insurance business, and may limit authority, require a licensed-producer or insurer sponsor, or revoke the license to protect insureds and the public.
Maximum Duration
Not more than one hundred eighty days.
Scope
Only the personal-lines portion of the business and authority approved by the commissioner is within this family.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines Producer

Provider
Pearson VUE
Format
One examination scored as a whole; multiple-choice questions at a test center
Exam questions
105 scored questions (75 general knowledge and 30 Connecticut specific), plus 10 pretest questions (5 in each part)
Time limit
2 hours
Passing score
70%
Exam fee
$65
Examination outline
  • General Knowledge — I. TYPES OF PROPERTY POLICIES (10 scored questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General Knowledge — II. TYPES OF CASUALTY POLICIES (13 scored questions)
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General Knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • Connecticut Specific — I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
    • A. Responsibilities of the Insurance Commissioner
    • A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
    • A. Responsibilities of the Insurance Commissioner / 2. Examination of records
    • A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
    • A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
    • A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
    • B. Definitions
    • B. Definitions / 1. Insurance transaction
    • B. Definitions / 2. Insurer
    • B. Definitions / 3. Reinsurance
    • B. Definitions / 4. Domestic, foreign, and alien companies
    • B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
    • B. Definitions / 6. Stock and mutual companies, and reciprocals
    • B. Definitions / 7. Risk retention group
    • B. Definitions / 8. Certificate of authority
    • C. Licensing
    • C. Licensing / 1. Purpose
    • C. Licensing / 2. Licensing Requirements
    • C. Licensing / 2. Licensing Requirements / a. Producer
    • C. Licensing / 2. Licensing Requirements / b. Agent
    • C. Licensing / 2. Licensing Requirements / c. Broker
    • C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
    • C. Licensing / 2. Licensing Requirements / e. Temporary license
    • C. Licensing / 3. Agent appointment/termination of contract
    • C. Licensing / 4. Obtaining a license
    • C. Licensing / 4. Obtaining a license / a. Qualifications
    • C. Licensing / 4. Obtaining a license / b. Licenses fees and application
    • C. Licensing / 4. Obtaining a license / c. Written examinations
    • C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 4. Obtaining a license / e. License denial
    • C. Licensing / 5. Maintaining a license
    • C. Licensing / 5. Maintaining a license / a. Continuing education
    • C. Licensing / 5. Maintaining a license / b. Change of address/name change
    • C. Licensing / 5. Maintaining a license / c. Fees/renewal
    • C. Licensing / 5. Maintaining a license / d. License expiration
    • C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
    • D. Agent responsibilities
    • D. Agent responsibilities / 1. Fiduciary capacity
    • D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
    • D. Agent responsibilities / 2. Disclosure
    • D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
    • E. Filing and approval of policy forms
    • F. Connecticut Insurance Guaranty Association Act
    • F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
    • G. Marketing practices
    • G. Marketing practices / 1. Responsibilities of the insurer
    • G. Marketing practices / 2. Unfair claims practices
    • G. Marketing practices / 3. Unfair trade practices
    • G. Marketing practices / 3. Unfair trade practices / a. Rebating
    • G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
    • G. Marketing practices / 3. Unfair trade practices / c. False advertising
    • G. Marketing practices / 3. Unfair trade practices / d. Defamation
    • G. Marketing practices / 3. Unfair trade practices / e. False financial statements
    • G. Marketing practices / 3. Unfair trade practices / f. Controlled business
    • G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
    • G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
    • G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
    • G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
    • G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
    • G. Marketing practices / 3. Unfair trade practices / l. Twisting
    • G. Marketing practices / 4. Return of premium
    • H. Connecticut Insurance Information and Privacy Protection Act
  • Connecticut Specific — II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
    • A. Premium Financing
    • B. Insurance Contracts
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
    • B. Insurance Contracts / 2. Binders
    • C. Surplus Lines
  • Connecticut Specific — III. STATE STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (4 scored questions)
    • A. Connecticut Insurance Placement Facility / FAIR Plan
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 1. Purpose
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 2. Definitions
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 3. Procedures
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 4. Eligibility
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 5. Coverages Available
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 6. Limits of Coverage
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 7. Effective Date of Coverage
    • A. Connecticut Insurance Placement Facility / FAIR Plan / 8. Binding Authority of Agents or Borders
    • B. Standard Fire Policy
    • C. Flood Insurance
  • Connecticut Specific — IV. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (5 scored questions)
    • A. Auto Insurance
    • A. Auto Insurance / 1. Required coverages
    • A. Auto Insurance / 2. Limits
    • A. Auto Insurance / 3. Rates/rating information
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
    • B. Connecticut Auto Insurance Assigned Risk Plan
    • B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
    • B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
    • B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
    • B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
    • B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
Examination sources