A distinct consumer-facing credential for producers who sell, solicit, or negotiate accident and health insurance. It remains separate from Life Insurance and Property and Casualty Insurance. State requirements explain each jurisdiction’s legal structure.
License details
- License summary
- Consumer-facing Accident and Health credential family, legally separate from Life and Property/Casualty authorities.
- Plain-English purpose
- Supports work selling, soliciting, or negotiating health, disability-income, accident, Medicare supplement, and related coverages within the authority granted by the jurisdiction.
- What the authority generally permits
- Authority commonly covers insurance against sickness, bodily injury, accidental death, disability, and resulting medical or related expenses.
- Products / activities generally associated
- Individual and group health, disability income, accident, Medicare supplement, long-term care, dental, vision, critical illness, hospital indemnity, and related products, subject to product-specific rules.
- Issuing authority type
- State insurance regulator
- General eligibility overview
- Eligibility, education, examination, application, and product-training requirements vary by jurisdiction.
- General prerequisite overview
- Prelicensing education may be required. Colorado requires a separate 50-hour Health Insurance course for this authority.
- General examination overview
- Colorado uses a separate Accident and Health examination, code 02.
- Resident / nonresident applicability
- Available through distinct resident and qualified nonresident pathways.
- General renewal / maintenance overview
- Maintenance commonly includes biennial continuation, continuing education, fees, and product-specific training.
- Consumer terminology / alternate names
- Accident and Health license; health insurance license; Accident & Health; A&H; sickness and accident authority
- Important limitations or distinctions
- This credential does not include Life, Property, Casualty, or Variable Life and Variable Annuity authority. Product-specific training may be required before selling long-term care or other specialized products.
Source governance
- Primary authoritative source
- https://content.naic.org/sites/default/files/model-law-218.pdf
- Last reviewed / verified date
- 2026-08-19
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