How to Get Your Life Insurance License in Minnesota
Last reviewed 2026-08-02 · Verify details with the Minnesota Department of Commerce
Life insurance agents in Minnesota are licensed by the Minnesota Department of Commerce under the Resident Insurance Producer License (Life line of authority). Here's the whole process — education, exam, and application — in plain English.
Minnesota life license at a glance
The process, step by step
- 1Complete the 20 hours of state-approved pre-licensing education for the life line. Online self-paced courses count in Minnesota.
- 2Schedule and pass the Minnesota life insurance exam with PSI. Budget 1–2 weeks of study; the exam covers policy types, riders, underwriting basics, and Minnesota insurance law.
- 3Complete fingerprinting and the background check — schedule this early, since processing can add days to your timeline.
- 4Submit your license application (Online via Sircon after passing the exam and fingerprinting) and pay the fee. Most approvals come through within days.
- 5Get appointed with carriers through your upline or IMO, and set up your sales stack — leads, dialer, and CRM — so you can start writing business immediately.
Good to know: Fingerprint-based criminal history check is required (available at PSI test centers); CE includes 3 hours of ethics and licenses expire on the last day of the birth month every 2 years.
Step 6: set yourself up to actually sell
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Start 14-Day Free TrialFrequently Asked Questions
Does Minnesota require pre-licensing education for a life insurance license?
Yes. Minnesota requires 20 hours of approved pre-licensing education for the life line before you can sit the exam.
Who administers the Minnesota life insurance exam?
The Minnesota licensing exam is administered by PSI. You schedule directly with them after meeting any education requirements, and testing is available at physical centers and often via online proctoring.
How often do I renew a Minnesota insurance license?
Minnesota licenses renew every 2 years. You'll need 24 hours of continuing education per renewal cycle.
Can I sell insurance in other states with a Minnesota license?
Your Minnesota license covers Minnesota residents. To sell in other states you apply for non-resident licenses — usually a fast, exam-free application through NIPR once you hold a resident license in good standing. Many telesales agents license in 10+ states this way.
Other states
Sources: mn.gov · www.kaplanfinancial.com
Licensing requirements, fees, and providers change. This guide is informational only and was last reviewed on the date shown above — always confirm current requirements with the state insurance regulator before enrolling in courses or scheduling an exam.