Pennsylvania’s ordinary resident Life and Fixed Annuity pathway requires approved preexamination education, standalone PSI exam 16-01, an application through Sircon or NIPR, and fingerprints after the application. Accident and Health, Variable Life/Variable Annuity, and combined exam 16-03 are separate or alternative routes.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time Pennsylvania resident individual seeking Life and Fixed Annuity authority; applicant must meet residence or primary-business-location, competence, fitness, character, English-literacy, examination, application, and fingerprint requirements.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 24
- Education requirement explanation
- Complete 24 approved preexamination credits, including at least 3 ethics credits. Credits are valid for one year. Use an approved provider and preserve the completion record.
- Exemptions available
- Yes
- Exemption explanation
- Statutory professional-designation and qualifying reciprocity exemptions may apply. Confirm and document the exemption before omitting education or examination steps.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- After passing and submitting the license application, register with IdentoGO using Pennsylvania Insurance Department service code 1KGBGJ. The current official fingerprint fee is $26.20. Do not submit fingerprints before the application; listed nonresident, add-line, and specialty-class exemptions remain separate.
Application
- Application required
- Yes
- Application fee
- $55 state application fee plus $26.20 fingerprints and any live Sircon or NIPR transaction charge; confirm transaction charges during filing.
- Application channel / system
- Sircon or NIPR
- Application instructions
- Complete education or document an exemption, pass standalone exam 16-01, apply through Sircon or NIPR within one year, then complete IdentoGO fingerprints using 1KGBGJ.
- Official application reference
- https://www.pa.gov/agencies/insurance/licensing/licensees/initial-insurance-producer-licensing-process
Renewal & maintenance
- Renewal cycle
- Two years, based on the licensee’s birth month
- Renewal fee
- $55 timely renewal; $165 lapsed renewal; live transaction charges may be additional
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Each two-year license cycle
- CE explanation
- Complete 24 approved CE credits. The Department may consider an individual waiver for military service or extenuating circumstances; it is not automatic.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A qualifying nonresident applying for the same authority may receive examination relief when the home state grants reciprocal treatment.
Military / veteran / spouse
- Veteran-specific provisions
- Pennsylvania Insurance Department may consider a case-by-case CE waiver for military service or extenuating circumstances. No broader initial-license Act 35 benefit is represented because producer applicability was not established.
Source governance
- Primary authoritative source
- https://www.pa.gov/agencies/insurance/licensing/licensees/initial-insurance-producer-licensing-process
- Secondary official sources
- PSI Pennsylvania Candidate Information Booklet 7280; PSI series 16-01 outline; Pennsylvania producer fee, CE, statute, and regulation sources; NIPR Pennsylvania resident individual requirements
- Statute / regulation reference
- 40 P.S. §§ 310.4, 310.5 and 310.10; 31 Pa. Code Chapter 39a
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/7280
- Last verified date
- 2026-08-23
- Verification status
- Verified
- Review / recheck date
- 2026-11-22
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