How to Get Your Vermont Insurance License in 2026
Vermont is one of the simplest states to get licensed — no mandatory pre-licensing education and no fingerprinting required. Compare 5 exam prep courses, see Prometric exam details, and get your VT insurance license fast.
Exam Prep Cost
$0 – $349
Time to License
3 – 6 weeks
Avg VT Salary
$56,781/yr
Required Hours
0 hrs required
Vermont Has No Mandatory Pre-Licensing Education — And No Fingerprinting
Unlike most states, Vermont does not require any pre-licensing hours for an insurance license, and there is no fingerprinting requirement for insurance producers. You can study on your own schedule, take the Prometric exam, and submit your application — with no extra steps.
Top 3 Vermont Insurance Exam Prep Courses
1. WebCEBest Value
Lowest price for VT exam prep at $109.95. Covers Life, Accident, Health and HMO combined track (40 hrs) or Life-only (20 hrs). 90-day access with Exam Tutor available.
From $109.95
exam prep only
2. ExamFX
Three tiers for VT Life & Health (Self-Study, Video, Live Online). 94% pass rate claim with Readiness Exam pass guarantee. Interactive portal with exam simulations.
From $169.95
3. Kaplan Financial Education
Most comprehensive VT insurance course library. Four tiers ($139–$349) including live instructor option. Career Launcher tier includes PassProtection and business-building tools.
From $139
Best Vermont Insurance Exam Prep Courses
All 5 schools are Vermont VDFR-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
Best ValueStarting at
$109.95
- Lowest price: VT exam prep from $109.95
- Exam Prep Only — no pre-licensing requirement in Vermont
- Life & Health and Life-only tracks available
- 90-day access; one 90-day extension available for $50
Available Packages (4)
VT Life, Accident, Health and HMO — Exam Prep Complete (40 hrs)
- VT Life, A&H and HMO exam prep (40 hrs)
- Practice exams included
- VT state-specific content
- Covers all Prometric exam topics
Kaplan Financial Education
Starting at
$139
- Most comprehensive VT insurance course library
- Live instructor-led option (EssentialPlus Live & OnDemand)
- Career Launcher tier includes PassProtection
- Four tiers from $139 to $349
Available Packages (4)
Life & Health — Basic
- VT L&H exam prep — online or print option
- Core study tools & review exams
- State Law Supplement included
- Practice questions included
ExamFX
Starting at
$169.95
- 94% pass rate claim with Readiness Exam pass guarantee
- Three tiers: Self-Study, Video Study, and Live Online
- Interactive learning portal with exam simulations
- On-demand video lectures available in Video and Live tiers
Available Packages (3)
Life & Health — Self-Study
- VT Life & Health exam prep
- Interactive learning portal
- Online exam simulations
- Readiness Exam (pass guarantee)
A.D. Banker
Pass GuaranteeStarting at
$169.95
- Exam prep provider — no mandatory pre-licensing hours in Vermont
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Audio-enabled, mobile-friendly course with online note-taking
Available Packages (3)
Silver — Online Course
- Full online course (activities + chapter exams)
- Simulated licensing exams
- Pass Guarantee
- Printable PDF study manual
Xcel Solutions
Starting at
$199
- Two clear tiers: Standard $199 / Premier $299
- Proven 3-Part Training System
- Flashcards included in both packages
- Prepared to Pass Promise on all tiers
Available Packages (2)
Life & Health — Standard
- VT Life & Health exam prep
- Proven 3-Part Training System
- Recorded review class included
- Flashcards + Prepared to Pass Promise
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Vermont Insurance License?
A Vermont insurance license is a state-issued credential required by the Vermont Department of Financial Regulation (DFR) to legally sell insurance products in Vermont. Vermont is one of the easiest states to get licensed — no pre-licensing education is required and no fingerprinting is needed. Candidates simply pass the Prometric exam and submit their application through Sircon or NIPR.
Vermont offers several license types. The most common are the Life, Accident, Health and HMO license (covers life, accident, health, and HMO products) and the Property & Casualty (P&C) license (covers auto, homeowners, commercial, and liability insurance). Vermont also offers Personal Lines and Variable Life & Variable Annuity as additional lines of authority.
Life, A&H & HMO
$50 exam fee
Life, annuities, health & disability insurance
Property & Casualty
$65 exam fee
Auto, home, commercial & liability insurance
Personal Lines
Limited scope
Personal auto, homeowners & renters
How Much Do Vermont Insurance Agents Earn?
VT State Average
$56,781/yr
Source: Salary.com, 2025
National Median
$60,370/yr
BLS May 2024
Commission Structure
Life Insurance
- • First-year commission: 40–100% of annual premium
- • Renewal commission: 2–10% per year
- Example: $1,000/yr policy at 70% = $700 earned
Property & Casualty
- • New policy commission: 10–20% of premium
- • Renewal commission: 8–12% of premium
- Example: $2,000/yr auto at 12% = $240/policy
Salary Range by Career Stage
Entry Level
$38,000–$45,000
First 1–2 years
VT Average
$56,781
State average salary
Top Producers
$85,000–$130,000+
Commercial & group benefits
Top VT Insurance Markets
Is a Vermont Insurance License Worth It?
👍 Pros
- + No Pre-Licensing Required: Skip mandatory coursework — go straight to the Prometric exam on your schedule.
- + No Fingerprinting: Vermont is one of fewer than 10 states that doesn't require fingerprint-based background checks, saving time and money.
- + Low Entry Cost: Mandatory state fees are only ~$116. Even with a prep course, total costs stay under $465.
- + Fast Path to Licensed: With no fingerprinting delays and a streamlined application process, many candidates are licensed in 3–4 weeks.
👎 Cons
- - Smaller Market: Vermont has a population of about 650,000 — a much smaller market than most states. Independent agents often pursue multi-state licenses.
- - Prometric (Less Common): Vermont uses Prometric instead of Pearson VUE. Candidates familiar with Pearson VUE must be careful to register through the correct provider.
- - Commission-Dependent Income: Most agents earn primarily through commissions — income can be variable in the first year, especially in a smaller state market.
How to Get Your Vermont Insurance License
Choose Your Line of Authority
Select the type of insurance you want to sell: Life & Health (Vermont designates this as “Life, Accident, Health and HMO”), Property & Casualty, or both. Vermont also offers Personal Lines and Variable Life & Variable Annuity licenses. Most new agents start with Life & Health or P&C.
Study for the Exam (No Pre-Licensing Required)
Vermont does not require pre-licensing education — but the exam covers detailed insurance concepts and Vermont-specific statutes and regulations. Most candidates spend 2–4 weeks using a prep course before sitting for the exam. Courses from WebCE ($109.95), ExamFX, Kaplan, or A.D. Banker significantly improve your odds of passing on the first attempt.
Register and Pass the Vermont Insurance Exam via Prometric
Register through Prometric.com/vermont/insurance or call (800) 853-6768. Pay the exam fee ($50 for Life, $65 for P&C). Score 70% or higher to pass. Important: Vermont uses Prometric, not Pearson VUE — make sure to register through the correct provider.
Receive Your License and Start Selling
Once the Vermont DFR approves your application (typically 5–10 business days), your license will be issued electronically. You are now authorized to sell insurance in Vermont. Maintain your 24-hour CE requirement every 2 years to keep your license active.
Vermont Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Must have a valid Social Security Number
- No college degree required
- No fingerprinting required — Vermont exempts insurance producers
- Resident or non-resident applicants may apply
Pre-Licensing Education
- 0 hours required — Vermont mandates no pre-licensing coursework
- Prep courses are optional but strongly recommended
- Recommended study: ~40 hrs for Life & Health / P&C
- Prep courses available from $109.95 (WebCE)
Exam Requirements
- Prometric exam (register at prometric.com/vermont/insurance)
- Life & Health: 150 questions, 2.5 hours, $50 fee
- Property & Casualty: 160 questions, 2.5 hours, $65 fee
- 70% passing score required
- Schedule at Prometric.com or call (800) 853-6768
Application & Licensing
- Apply via Sircon or NIPR after passing the exam
- $60 state license application fee + $5.60 transaction fee
- No fingerprinting required in Vermont
- DFR processes in approximately 5–10 business days
- 24 CE hours every 2 years to renew
Vermont Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Vermont insurance license in 2026:
| Cost Item | Amount | Required? |
|---|---|---|
| Exam Prep Course | $0–$349 | Optional |
| Prometric Exam Fee (Life) | $50 | Required |
| Prometric Exam Fee (P&C) | $65 | Required |
| License Application (Sircon/NIPR) | $60 + $5.60 | Required |
| Fingerprinting | Not required | N/A |
| Estimated Total | $116–$440 |
All state fees are non-refundable. Education costs vary by provider and package. Vermont does not require fingerprinting — one less cost compared to most states.
The Vermont Insurance Exam — What to Expect
Life, Accident, Health & HMO Exam
- Questions: 150 total
- Time limit: 2.5 hours
- Passing score: 70%
- Fee: $50 per attempt
- Provider: Prometric
Property & Casualty Exam
- Questions: 160 total
- Time limit: 2.5 hours
- Passing score: 70%
- Fee: $65 per attempt
- Provider: Prometric
Life & Health Exam Topics
- Life Insurance Basics
- Annuities
- Health Insurance Concepts
- Disability Income and Related Insurance
- Vermont Insurance Statutes and Regulations
Property & Casualty Exam Topics
- Property Insurance Basics
- Casualty Insurance Basics
- Homeowners Policies
- Auto Insurance Policies
- Vermont Insurance Laws and Regulations
💡 Prometric Exam Tips
Schedule your exam at Prometric.com/vermont/insurance or call (800) 853-6768. Bring two valid government-issued IDs — at least one must have a photo and signature. You receive your score immediately upon completing the exam. If you fail, you must pay the exam fee again to retake — no waiting period required.
How Long Does It Take to Get a Vermont Insurance License?
2 – 4 weeks
Full-Time
Study 6–8 hrs/day; fastest path
4 – 6 weeks
Part-Time
Evenings and weekends
2 – 3 months
Casual / Self-Paced
A few hours per weekend
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your line of authority | 1 day |
| 2 | Study for the exam (no course required — prep recommended) | 1–4 weeks |
| 3 | Schedule & pass the Prometric exam | 1–2 weeks |
| 4 | Submit license application via Sircon or NIPR | 1–2 days |
| 5 | Vermont DFR reviews and issues license | 5–10 business days |
No fingerprinting step in Vermont — one fewer delay compared to most states. Total time from starting to study to receiving your license is typically 3–6 weeks.
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Explore More Licensed Careers
Expand to neighboring states or explore other licensed careers in Vermont.
Vermont Insurance License Reciprocity
Vermont has reciprocity agreements with all states that maintain reciprocity with Vermont. If you hold a valid license in another state and your home state has a reciprocal agreement with Vermont, you may qualify to apply for a non-resident Vermont insurance license without re-taking the state exam.
To apply for a non-resident license, submit your application through sircon.com or NIPR. The fee is $60 per line of authority (LOA) plus the $5.60 transaction fee. You will need to provide your home-state license number and it must be in good standing.
Non-Resident License Details: Visit the Vermont DFR for current reciprocal state agreements and non-resident application requirements: dfr.vermont.gov/insurance/producer-and-individual-licensing
Vermont Insurance License Renewal
Vermont insurance licenses must be renewed every 2 years. To renew, you must complete 24 hours of continuing education (CE) during each 2-year renewal period. No more than 6 hours can be related to insurance agency management. Agents selling Long-Term Care insurance must complete an 8-hour LTC training before their first sale, then a 4-hour refresher every 24 months.
2 yrs
Renewal Cycle
24 hrs
CE Required
6 hrs max
Agency Mgmt (cap)
Nonresident producers follow their home state CE requirements. For renewal deadlines, fees, and approved CE providers, visit the Vermont DFR at dfr.vermont.gov.
Frequently Asked Questions
Does Vermont require pre-licensing education hours for an insurance license?
No. Vermont does not require any pre-licensing education hours before you can take the insurance licensing exam. However, because the exam covers both general insurance concepts and Vermont-specific statutes and regulations, a prep course is strongly recommended to improve your pass rate and avoid the cost and time of retaking the exam.
Who administers Vermont insurance licensing exams?
Vermont uses Prometric to administer its insurance licensing exams — not Pearson VUE, which is used by many other states. Register for your exam at Prometric.com/vermont/insurance or call (800) 853-6768. The exam fee is $50 for Life and $65 for Property & Casualty.
Does Vermont require fingerprinting for an insurance license?
No. Vermont is one of fewer than 10 states in the country that does not require fingerprint-based background checks for insurance producer license applicants. This simplifies the licensing process and means you can go from passing your exam to submitting your application without any fingerprinting step.
How much does it cost to get an insurance license in Vermont?
The minimum cost is about $116: $50–$65 for the Prometric exam fee plus the $60 application fee (and $5.60 NIPR transaction fee). There is no fingerprinting fee in Vermont. Adding an optional prep course ($109.95–$349) brings the total to approximately $210–$440 for both lines.
How long does it take to get an insurance license in Vermont?
The full process typically takes 3–6 weeks. Full-time study can have you exam-ready in 1–2 weeks, with DFR application processing taking another 5–10 business days. Part-time candidates usually complete the process in 4–6 weeks.
How much do insurance agents earn in Vermont?
The average insurance agent salary in Vermont is approximately $56,781 per year (Salary.com, 2025). Vermont's market is smaller than many states, but experienced agents — particularly those focused on commercial lines, group benefits, or financial planning — can earn $85,000–$130,000 or more.
How many continuing education hours does Vermont require?
Vermont requires 24 CE hours per 2-year licensing cycle. No more than 6 hours can be agency management-related. Agents selling Long-Term Care insurance must complete an 8-hour LTC training before selling, then 4-hour refresher courses every 24 months (which count toward the 24-hour total).
What is the passing score for the Vermont insurance licensing exam?
You need to score 70% or higher on the Vermont insurance licensing exam to pass. Exams are administered by Prometric and are available at testing centers throughout the state. If you fail, you must pay the exam fee again to retake.
Can I apply for a Vermont insurance license online?
Yes. After passing the Prometric exam, you apply online through Sircon (sircon.com) or the National Insurance Producer Registry (NIPR.com). The application fee is $60 plus a $5.60 transaction fee. The Vermont DFR typically processes applications within 5–10 business days.
What types of insurance licenses are available in Vermont?
Vermont offers these lines of authority: Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Variable Life and Variable Annuity, as well as limited lines including Car Rental, Credit, Travel, and Self Storage. Most agents pursue Life & Health or Property & Casualty as their primary licenses.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.