Line-of-authority guide
Life vs. Life and Health Insurance Licenses
A life authority and a health-related authority can have different education, exam, application, and provider requirements.
Conceptual distinction
- Life generally concerns authority related to life insurance and related products within the jurisdiction’s definition.
- Health, accident, or sickness authority concerns those coverages within the jurisdiction’s definition.
- A combined path may still involve multiple authorities, courses, exams, or certificates.
Questions to answer first
- What exact authority name appears on the application?
- Is prelicensing education required for each authority?
- Are hours, courses, exams, or certificates separate?
- Does the provider hold the correct approval for the route?
- What does the quoted price include and exclude?
Ready for a structured next step?
Take the free practice exam, review your state’s licensing steps, or create a LicenseIQ account to continue.