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Getting Licensed in Idaho

Getting Licensed in Idaho

What type of insurance  license is needed to offer Medicare plans in Idaho?

Apply for a agent licensing with health insurance line of authority. Also known as a heath license.

What are the steps to apply for an insurance license in Idaho?

Step 1 (optional): Complete an optional prelicensing course that helps prepare you to take and pass your licensing exam.

Step 2: Schedule your exam with your state’s testing provider, PSI Services LLC, at least 24 hours prior to your desired examination date. The fastest way to schedule your exam is to do so by accessing PSI’s registration Web site at www.psiexams.com. Internet registration is available 24 hours a day. You can also schedule your exam over the phone at (800) 733-9267. Your exam may be taken at a physical PSI examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation.

To change or cancel your testing appointment, you must contact PSI Services, LLC at least 48 hours in advance or forfeit the examination fee. You may reschedule online at www.psiexams.com or call PSI at (800) 733-9267.

Step 3: Take and pass your state licensing exam. On the day of your appointment, arrive at the test center 30 minutes before your scheduled appointment time to complete the necessary sign-in procedures. You must bring with you two (2) forms of personal ID (driver’s license, passport, military I.D., etc.) Both must have your signature, and one of the two must have your photo. You will not be able to take your exam if these requirements are not met.

Your score will be given to you immediately following completion of the examination.

You MUST be fingerprinted at one of PSI test centers. You may get fingerprinted on the day of your examination or walk-in during the regular testing hours. PSI does not schedule appointments for fingerprinting. The $70 processing fee may be made payable by money order, cashiers check, company check, VISA or MasterCard (checks are to be made payable to PSI).

Step 4: After you have passed your insurance examination and have been fingerprinted, apply for your license online via www.sircon.com/idaho or www.nipr.com within 180 days of passing and pay the state licensing fees of $80. Detailed licensing information can be found through the Idaho Department of Insurance.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

How do I study for my insurance license in Idaho?

Idaho does not require applicants to complete a prelicensing course but the likelihood of passing the exam will go up if you use one of the prelicensing courses. 

We recommend using ExamFX for pre-licensing study.

These are the topics covered in the exam:

Idaho Disability/Health Insurance Examination

85 Total Questions

Time Limit: 2 hours, 10 Minutes- Passing score: 70%

General Knowledge:

  • General Insurance Concepts       
  • Accident and Health Insurance Basics
  • Individual Health Insurance Provisions
  • Disability Income and Related Insurance
  • Medical Plans
  • Group Health Insurance
  • Health Insurance for Senior Citizens and Special Needs Individuals       
  • Federal Tax Considerations for Health Insurance

State Law:

  • Idaho Statutes, Rules, and Regulations Common to All Lines
  • Idaho Statutes, Rules, and Regulations for Life & Health/Disability Only
  • Idaho Statutes, Rules, and Regulations Pertinent to Health/Disability Insurance Only

 How do I schedule to take the insurance exam in Idaho?

Schedule your exam with your state’s testing provider, PSI Services LLC, at least 24 hours prior to your desired examination date. The fastest way to schedule your exam is to do so by accessing PSI’s registration Web site at www.psiexams.com. Internet registration is available 24 hours a day. You can also schedule your exam over the phone at (800) 733-9267. Your exam may be taken at a physical PSI examination center or via a remote online proctored exam. Exam fees must be paid at the time of reservation. 

To change or cancel your testing appointment, you must contact PSI Services, LLC at least 48 hours in advance or forfeit the examination fee. You may reschedule online at www.psiexams.com or call PSI at (800) 733-9267.

When I test for the insurance license are there different parts?

Yes, the exam is made up of 2 sections: General Knowledge and State Law. Each section has several topics within in. Here is a breakdown of those topics:

Idaho Disability/Health Insurance Examination

85 Total Questions

Time Limit: 2 hours, 10 Minutes- Passing score: 70%

 General Knowledge:

  • General Insurance Concepts       
  • Accident and Health Insurance Basics
  • Individual Health Insurance Provisions
  • Disability Income and Related Insurance
  • Medical Plans
  • Group Health Insurance
  • Health Insurance for Senior Citizens and Special Needs Individuals       
  • Federal Tax Considerations for Health Insurance

State Law:        

  • Idaho Statutes, Rules, and Regulations Common to All Lines
  • Idaho Statutes, Rules, and Regulations for Life & Health/Disability Only
  • Idaho Statutes, Rules, and Regulations Pertinent to Health/Disability Insurance Only

How do I apply for a nonresident insurance license in Idaho?

Nonresidents can apply on NIPR for their license in Idaho here: https://nipr.com/licensing-center/state-requirements/idaho-non-resident-licensing-individual

Idaho is reciprocal with the lines of authority carried on the home state licenses. We will verify current licenses with the PDB.

Producers applying for the Variable line must have a valid FINRA Broker Registration.

Licensing fee: $80

How do I renew my insurance license in Idaho?

The CE requirement for residents is 24 hours to be earned within each two-year licensing period. At least 3 of those 24 hours must be in the Ethics course category. Limited lines producers, adjusters, and producers on formally requested and granted inactive status are exempt from the CE requirement at this time. Non-residents will be considered in compliance if they have satisfied the CE requirement for licensing in their resident state.

 

What do I do if my license has expired in Idaho?

Non-Residents: If your Individual Producer has not renewed its license before the expiration date, the license will require reinstatement. Non-resident producers can reinstate their license online through either SIRCON or NIPR. The fee is $120 plus applicable processing fees. Reinstatement is available up to one year past the expiration of your license.

Residents: If your Individual Producer license has not been renewed before the expiration date, the license will require reinstatement. Please submit a paper reinstatement form. The fee is $160. Reinstatement is available up to one year past the expiration of your license. Be sure to include:

Reinstatement form

What do I do for Continuing Education to keep my license in Idaho?

Idaho residents are required to complete a total of 24 hours each renewal period, prior to submitting a renewal application. A minimum of three (3) of the 24 hours must be in the Ethics course category.

You may not repeat courses within the same renewal period and get credit again for the repeat.

There is no carryover of credits from one renewal period to another.

CE courses taken BEFORE a license is issued will not count. You must complete the 24 hours between the start and end dates of your current renewal period. And, you can begin taking courses anytime between these dates!

There is no grace period for the CE requirement or renewal deadlines! Monetary penalties will begin to accrue the day following your license expiration date. We use the date of course completion to determine whether or not you were on-time.

By law, CE providers have 30 days to upload your credits into the system. Your license will not be renewed until your CE credit is in the system.

We suggest you complete your CE courses at least three weeks prior to your expiration date.

To be sure you are taking courses that will apply, use our Course Catalog, which shows only currently approved Idaho courses. You contact the provider directly to sign up for courses.

Remember you need to actually make application for renewal  … this is a separate step.