Colorado issues one Producer license listing Accident and Health as a line of authority separate from Life. The ordinary resident pathway requires its own approved 50-hour Health Insurance course, the Accident and Health (02) examination, and a separate authority application.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Ordinary Colorado resident individual seeking the Accident and Health authority.
- General eligibility explanation
- Be a Colorado resident and at least 18, and satisfy competence, trustworthiness, financial responsibility, reputation, and disclosure requirements.
Prelicensing education
- Prelicensing education required
- Conditional
- Required education hours
- 50 hours of approved Health Insurance prelicensing education
- Education requirement explanation
- The separate 50-hour course includes 3 hours of ethics, 3 hours of general Colorado insurance law, and 4 hours of line-specific Colorado law. Providers report completion electronically; the certificate is valid for one year.
- Exemptions available
- Conditional
- Exemption explanation
- Same-line transfers within 90 days, reinstatement, and RHU, CEBS, REBC, or HIA designations may provide applicant-specific relief.
Background
- Fingerprints required
- No
- Background check required
- Conditional
- Fingerprint / background instructions
- Routine resident instructions do not list fingerprints. Applicants must answer screening questions and provide supporting documents for applicable disclosures.
Application
- Application required
- Yes
- Application fee
- $44 for this resident authority effective April 1, 2026, excluding any vendor transaction charge
- Application channel / system
- Sircon or NIPR electronic application
- Application instructions
- Complete education and pass examination 02 unless exempt, then apply electronically within one year of the passing score.
- Official application reference
- https://doi.colorado.gov/insurance-industry/for-producers/agents
Renewal & maintenance
- Renewal cycle
- Every two years on the last day of the producer's birth month; first cycle is 13 to 24 months
- Renewal fee
- $27 for this resident authority effective April 1, 2026
- CE required
- Conditional
- CE hours
- 24 total beginning with the second cycle: 18 in a held category, 3 ethics, and 3 elective
- CE cycle
- Biennial
- Ethics hours
- 3
- CE explanation
- Up to 12 eligible excess credits earned in the final 120 days may carry forward. First-cycle credits do not carry.
- CE exemptions / special rules
- The first continuation cycle is exempt. Product-specific obligations, including long-term-care training, are separate from ordinary initial licensing.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Qualified nonresidents generally rely on equivalent active home-state authority without repeating Colorado resident education or examination.
- Portability / mobility notes
- A same-line resident transfer within 90 days may qualify for education and examination relief subject to verification.
Military / veteran / spouse
- Veteran-specific provisions
- No insurance-specific initial veteran waiver was verified. Existing producers may request continuation relief when military service caused noncompliance.
- Military-spouse provisions
- No insurance-specific initial producer fee, education, or examination waiver for military spouses was verified.
- Fee waiver available
- No
- Expedited processing available
- No
- Military experience / education credit
- Conditional
- Temporary / provisional authority
- Up to 180 days may be available for statutory business-continuity cases, including a designee when a producer enters active service; not the ordinary applicant pathway.
Source governance
- Primary authoritative source
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120600.pdf
- Secondary official sources
- Colorado Division of Insurance producer page; 3 CCR 702-1 Regulation 1-2-5; C.R.S. Title 10
- Statute / regulation reference
- C.R.S. §§ 10-2-201–203, 10-2-301, 10-2-401–410; 3 CCR 702-1 Regulation 1-2-5
- Source reference URL
- https://doi.colorado.gov/insurance-industry/for-producers/agents
- Last verified date
- 2026-08-19
- Verification status
- Verified
- Review / recheck date
- 2026-11-19
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