How long does it take to get a life insurance license in Pennsylvania?

Plan on 1 to 4 weeks. {name} does not mandate pre-licensing hours, but most candidates still complete a 20 to 40 hour exam-prep course before sitting for the producer exam. Including fingerprinting and Pennsylvania DOI application processing, total time from start to license issuance is typically 3 to 6 weeks.

How much does a Pennsylvania life insurance license cost?

Budget about $258 all-in: pre-licensing or exam-prep course (~$110), the $43 state exam fee, the $55 Pennsylvania license application fee, and roughly $50 for fingerprinting/background check. The Price Group reimburses qualifying course costs after your first sale.

Do I need to be a Pennsylvania resident to get a Pennsylvania life insurance license?

No. Pennsylvania issues non-resident licenses to agents already licensed in good standing in their home state. The non-resident application is filed through NIPR with no additional Pennsylvania pre-licensing required.

Which Pennsylvania license should I get for selling final expense and term life?

The Pennsylvania Life Producer (Life-Only) license is the minimum required to sell life insurance, including final expense and term/whole life. If you also want to sell Medicare Supplement or under-65 health, you can either take a combined Life & Health course up front or add the Health line later. TPG agents typically start Life-Only and add Health when they are ready.

Can I sell insurance in Pennsylvania from Philadelphia, Pittsburgh, or Harrisburg remotely?

Yes. A Pennsylvania resident producer license lets you sell insurance to clients anywhere in the state, whether you live in Philadelphia, Pittsburgh, Allentown, Erie, Harrisburg, Lancaster, or Scranton. TPG is a telesales-first agency, so Pennsylvania agents write business by phone and video without door-knocking. You can also add non-resident licenses in NJ, NY, OH, DE, and MD once your PA license is active.

Pennsylvania Insurance License Requirements 2026 - Cost: $258 All-In

0 hours of pre-licensing, PSI Services LLC exam, about $258 all-in. Here is the exact path.

Verified against the Pennsylvania Insurance Department on June 7, 2026.

Free Pennsylvania Licensing Roadmap

A printable step-by-step PDF covering pre-licensing, fingerprinting, the PSI Services LLC exam, and what to do the week your license arrives.

0 hrs

Pre-licensing hours

70%

Passing score

~$258

Total cost estimate

Typical timeline: 2 to 4 weeks

Path options: None required (optional)

Already licensed in Pennsylvania?

Skip the licensing details. See how Pennsylvania agents are building remote insurance businesses with The Price Group.

How to sell insurance from home in Pennsylvania

5 Steps to Get Licensed in Pennsylvania

Follow this exact sequence to go from zero to fully appointed agent.

1
Complete pre-licensing education
Finish your state-approved pre-licensing course online. Most students complete it in under a week with focused study.
Start the JustInsurance Course
2
Schedule your Pennsylvania state exam
Register through PSI Services LLC, the testing partner for the Pennsylvania Insurance Department. Pick a testing center near you or, in most states, a remote-proctored slot.
Schedule with PSI Services LLC Visit Pennsylvania Insurance Department
3
Pass the Pennsylvania life insurance exam
Show up early, bring two valid IDs, and use the JustInsurance practice tests beforehand. Most students who follow the study plan pass on the first attempt.
Retake policy: Retake policy: a 24-hour waiting period.
4
Submit your license application
After passing, file your application through NIPR or your state's online portal. Background check and fingerprinting are usually required.
Fingerprinting: Submitted through IdentoGO (Code: 1KGBGJ)
5
Get appointed with carriers
A license alone does not let you sell. You need carrier appointments. The Price Group handles contracting with 20+ A-rated carriers so you can start writing business right away.

Want this written out as a printable checklist?

Pennsylvania Licensing Cost Breakdown

Everything you can expect to pay to get fully licensed in Pennsylvania.

Item	Cost
Pre-licensing course (JustInsurance)	$39
Pennsylvania state exam fee	$43
License application fee	$55
Background check / fingerprinting	$50
Estimated total	~$258

Costs are estimates based on the most current published fees and may change. Verify with your state's Department of Insurance before paying.

How much does a Pennsylvania insurance license cost in 2026?

The all-in cost to get a Pennsylvania Life Producer license is about $258 in 2026. That figure covers the standard pre-licensing or exam-prep course, the state exam fee, the Pennsylvania license application fee, and the required background check.

Line-item breakdown: pre-licensing or exam-prep course approximately $110, PSI Services LLC exam fee $43, Pennsylvania license application fee $55, and fingerprinting/background check roughly $50.

Not included in the $258: optional study materials, retake fees if you fail the exam ($43 each attempt), and the appointment fee a carrier pays on your behalf once you are contracted. The Price Group reimburses qualifying course costs after your first policy is issued.

Pennsylvania life insurance exam: format, questions, and passing score

The Pennsylvania life insurance producer exam is administered by PSI Services LLC. It contains 100 scored questions, you have 120 minutes to complete it, and you need a 70% score to pass. Results are delivered on screen immediately when you submit.

Question topics typically cover life insurance products and concepts, annuities, Pennsylvania statutes and rules, and ethics and producer responsibilities. Calculators are provided on screen and you may not bring your own.

If you fail, you can rebook the next available PSI Services LLC date per the state's retake policy and pay the $43 fee again. Most candidates who fail the first attempt pass on the second after focused review of Pennsylvania-specific statutes and product suitability.

How many hours of pre-licensing are required in Pennsylvania?

Pennsylvania does not mandate pre-licensing hours for the resident life producer license, but most candidates still complete a 20 to 40 hour exam-prep course before sitting for the exam to maximize their first-attempt pass rate.

TPG recommends a focused 20 to 40 hour exam-prep course covering life insurance products, annuities, and Pennsylvania statutes. Even though hours are not required, the exam still tests the full body of life insurance knowledge.

How long does it take to get a Pennsylvania insurance license?

The typical timeline from registration to license-in-hand is 3 to 6 weeks in Pennsylvania.

Week 1-2: complete optional exam-prep coursework. Week 2-3: schedule and pass the PSI Services LLC exam. Week 2-3: submit the Pennsylvania license application and complete fingerprinting/background check. Week 3-6: the state reviews the application and issues the license, usually within 7 to 14 business days of receiving cleared fingerprints.

The two variables that slow most people down are study pace and how quickly fingerprinting can be scheduled in your area.

Pennsylvania license fees at a glance

Pre-licensing or exam-prep course: approximately $110 depending on provider. PSI Services LLC exam fee: $43 per attempt. Pennsylvania license application fee: $55. Fingerprinting/background check: $50. License term: 2 years before the first renewal cycle. Continuing education: 24 hours every 2-year renewal, including 3 hours of ethics.

There is no separate license issuance fee beyond the application fee in most cases. Pennsylvania does not charge an annual renewal fee outside of the CE compliance cost (CE courses typically cost $50 to $150 per renewal cycle).

Just got your Pennsylvania Life Producer license? Here is your next step.

A license is only the first step. The Price Group is a remote-first insurance agency that gives newly licensed Pennsylvania agents AI-powered final expense leads, carrier contracts with top commissions, daily live training, and a proven sales script. We focus on telesales so you can write business from anywhere in Pennsylvania without door-knocking. Apply below and we will set up a call to walk you through how it works.

License term

2 years

CE hours per renewal

24 hrs (3 ethics)

Official CE rules

Reciprocity

Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or fingerprinting is required.

The TPG perspective

Selling Insurance in Pennsylvania

What the Pennsylvania insurance market actually looks like for new agents, from a remote-first agency that writes business here every week.

Pennsylvania is one of the friendliest states in the country to get started as a life insurance producer: there are no required pre-licensing hours, and the same Life Producer license that covers final expense and term life also opens the door to annuities and Medicare Supplement once you add the Health line.

TPG Pennsylvania agents work AI-powered leads across Philadelphia, Pittsburgh, Allentown, Erie, Harrisburg, Lancaster, and Scranton. The Eastern time zone is ideal for a full-day dialing schedule that starts with East Coast morning calls and runs into Mountain time evenings. Pennsylvania's large population of retirees and middle-income working families makes it one of our most consistent final expense markets, and reciprocal non-resident licensing lets PA-based agents quickly expand into New Jersey, New York, Ohio, Delaware, and Maryland.

Ready to start writing business in Pennsylvania?

Pennsylvania Licensing FAQ

Quick answers to the most common questions about getting licensed in Pennsylvania.

Why agents choose The Price Group

Once you are licensed, the next decision is who you go to market with. The Price Group is built for life insurance agents who want a real system, not an MLM.