Getting An Insurance License

We recommend XCEL testing:

How to Sign Up for a Pre-Licensing Course

To become a licensed insurance agent, you must first complete a state-approved pre-licensing course. Our recommended provider, XCEL Testing Solutions, offers comprehensive training designed to help you pass your state exam on the first attempt.

Steps to Register for Your Pre-Licensing Course

1. Obtain Your Discount Code

   • Contact your Agency Owner or Hiring Agent for your personalized discount URL before registering.
   • This discount applies only when using the correct link provided by your Agency Owner.

2. Create an Account with XCEL Testing Solutions

   • Visit XCEL Testing Solutions and click "Enroll Now."
   • Select your state and choose Life Insurance Only for your course.
   • If you later decide to sell health insurance, you can always return to complete the health license separately.

3. Complete Registration & Apply Discount

   • Follow the prompts to create your account, using your Symmetry Gmail address for easy access.
   • Enter your discount code or referral link at checkout to ensure you receive the negotiated rate.

4. Begin Your Pre-Licensing Training

   • Your course is self-paced and available online, allowing you to study at your convenience.
   • Most agents complete the required training within a few days to a week, depending on their schedule.

5. Schedule & Take Your State Licensing Exam

   • After completing your pre-licensing course, follow your state’s guidelines to schedule your exam.
   • XCEL provides practice exams and study resources to help you prepare.

By securing your discount code from your Agency Owner, you can reduce your upfront costs while ensuring you enroll in the correct course for your licensing needs.

How Much Does Licensing Cost?

The total cost of obtaining your insurance license varies by state and depends on several factors, including pre-licensing course fees, exam fees, background checks, and state licensing fees. Below is a general breakdown of potential costs:

Estimated Licensing Costs:

1. Pre-Licensing Course:

   • Typically ranges from $50 – $200, depending on the provider and any discounts applied.
   • Discounted Rate Available: Contact your Agency Owner for a personalized discount link to reduce this cost.

2. State Exam Fee:

   • Varies by state but usually costs $40 – $100 per attempt.

3. Fingerprinting & Background Check:

   • Some states require fingerprinting, which can cost $30 – $80.

4. State Licensing Application Fee:

   • Generally ranges from $50 – $250, depending on your state.

5. Errors & Omissions (E&O) Insurance (if required):

   • Some agencies or carriers may require E&O coverage, which can range from $30 – $60 per month or a one-time annual fee.

Total Estimated Cost:

• On average, expect to pay $150 – $500 to obtain your life insurance license.
• Costs vary by state, so check your state’s Department of Insurance website for exact pricing.

💡 Pro Tip: Start with Life Insurance Only to minimize upfront costs. If needed, you can always add Health Insurance later.

I Have a Previous Felony. Can I Get Licensed?

Yes, it is possible to obtain an insurance license with a felony on your record, but approval depends on several factors, including the type of felony, when it occurred, and the actions taken to fulfill legal obligations.

Key Considerations:

1. Type of Felony Matters

   • Felonies involving fraud, financial crimes, or dishonesty may make it more difficult to obtain a license.
   • Violent offenses or drug-related charges are reviewed on a case-by-case basis.

2. State Insurance Department Review

   • Each state has different licensing regulations and will evaluate your criminal history, rehabilitation efforts, and fulfillment of sentencing requirements.
   • You will likely need to submit court records, proof of restitution, or expungement documents as part of your application.

3. Carrier Appointment is Not Guaranteed

   • Even if your state approves your license, insurance carriers have the right to deny appointments based on background checks.
   • Some carriers have stricter guidelines than others, so approval may vary.

4. Next Steps

   • Before applying, check with your state’s Department of Insurance for specific eligibility guidelines.
   • Gather all necessary documentation showing the fulfillment of legal obligations (court records, probation completion, etc.).
   • Be upfront and honest in all disclosures, as failure to disclose information can result in immediate disqualification.

💡 Tip: If you have concerns about your eligibility, consult with your Agency Owner or State Department of Insurance for guidance before investing in pre-licensing coursework.

How Long Should Licensing Take?

On average, the licensing process takes about two weeks, but it can be completed much faster with focus and efficiency.

Licensing Timelines:

• Above Average: 24 hours – 3 days (Fast Track)

  • Highly motivated individuals can complete the pre-licensing course in one day and schedule their state exam immediately.
  • Some states offer same-day or next-day exam results, allowing agents to submit their license application right away.

• Average: 2 weeks

  • Most new agents complete their pre-licensing course in 3–7 days, take their exam, and receive their license within 7–14 days.

• Maximum Time Allowed: 30 days

  • Delays in scheduling the exam, gathering necessary documents, or submitting the application can extend the process.

Why Speed Matters

Statistics show that the longer it takes someone to get licensed, the less likely they are to succeed in the business. Those who take action quickly build momentum and develop the habits needed for success.

💡 Pro Tip: Set a goal to complete the entire process within 7–10 days to maximize your chances of getting off to a strong start!

Does It Matter Which Pre-Licensing Course I Take?

Yes, the pre-licensing course you choose can impact how quickly and effectively you get licensed. While there are multiple approved providers, we highly recommend XCEL Testing Solutions due to its strong licensing success rates and fast-track course options.

Why We Prefer XCEL:

✅ Higher Licensing Success Rates – XCEL has a proven track record of helping agents pass their exam quickly.
✅ Faster Completion Time – Many agents complete the course within 24–72 hours, allowing them to schedule their exam sooner.
✅ Discounted Sponsorship – Through our partnership with XCEL, we can sponsor you for 50% off the course cost, significantly reducing your upfront investment.
✅ User-Friendly & Mobile Access – The course is designed for easy navigation and can be completed on a desktop or mobile device.

Maximize Your Savings:

📌 To receive the 50% discount, you must use the personalized link provided by your Agency Owner. Be sure to request your sponsored discount URL before enrolling.

💡 Pro Tip: Choose Life Insurance Only when enrolling. If you decide to add Health Insurance later, you can always complete that licensing separately.

What Are the Steps to Getting a Life Insurance License?

Getting your life insurance license is a straightforward process, but taking the right steps efficiently will help you get licensed faster and set you up for success.

Step 1: Enroll in a Pre-Licensing Course

• Choose XCEL Testing Solutions or another approved provider.
• Contact your Agency Owner for a 50% discount link to XCEL.
• Select Life Insurance Only (You can add Health Insurance later if needed).
• Complete the course as quickly as possible (24–72 hours is ideal).

Step 2: Pass Your State Licensing Exam

• Schedule your exam through your state’s insurance department or testing provider.
• Use XCEL’s practice exams and study resources to prepare.
• Arrive at the testing center with the required ID and any necessary paperwork.

Step 3: Complete Fingerprinting & Background Check (If Required)

• Some states require fingerprinting before you can apply for a license.
• Schedule an appointment with an approved vendor if applicable.

Step 4: Submit Your State License Application

• Apply through your state’s Department of Insurance website.
• Pay the required licensing fee ($50–$250 depending on the state).
• Ensure all information is accurate to avoid delays.

Step 5: Get Appointed with Insurance Carriers

• Once licensed, work with your Agency Owner to complete carrier contracting.
• Submit the necessary paperwork and background checks for each carrier.
• Some carriers have stricter requirements and may deny appointments based on background history.

Step 6: Start Selling & Protecting Families

• Once contracted, you can begin writing policies and helping clients!
• Attend trainings, mentorship calls, and weekly meetings to build confidence and improve skills.

💡 Pro Tip: Agents who complete licensing within 7–10 days have the highest success rates. Don’t delay—get started today! 🚀