Pennsylvania Insurance License Exam Prep (2026 Rules)
Pennsylvania eliminated pre-licensing education in April 2025 — but the PSI exam still has a 70% pass bar and heavy state-specific content. Our exam prep gets you through on the first attempt, guaranteed.
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Life & Health
Coming soon — for agents selling life insurance, health, Medicare, and group benefits in Pennsylvania. Join the waitlist.
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Property & Casualty
Coming soon — for agents selling home, auto, commercial, and workers' comp insurance in Pennsylvania. Join the waitlist.
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Pennsylvania dropped its pre-licensing requirement in 2025 — here's what that means for you.
Act 1241, signed into law on October 31, 2024 and effective April 29, 2025, eliminated Pennsylvania's long-standing 24-hour pre-licensing education requirement. Pennsylvania resident applicants can now register for the PSI exam directly, with no classroom hours required first.
What didn't change: the PSI exam itself. It still has a 70% pass bar, it still covers a meaningful share of Pennsylvania-specific content — Insurance Department rules, state statutes, and Act 1241 itself — and PSI still administers it. The fee is $43 per attempt, and a failed attempt means scheduling, paying, and waiting all over again.
Structured exam prep is now optional in Pennsylvania. But it's still the difference between passing first try and burning weeks (and exam fees) on retakes. National first-attempt pass rates without prep run roughly 60–65%; with focused prep they climb well above 90%.
How Pennsylvania insurance licensing works
- 01
Complete exam prep (recommended, no longer required)
As of April 29, 2025, Pennsylvania no longer mandates pre-licensing hours under Act 1241. But the PSI exam still has a 70% pass bar with heavy Pennsylvania-specific content. A structured prep course is the single biggest predictor of passing on the first try.
- 02
Schedule and pass the PSI exam ($43, 70%+)
Register through PSI Services — Pennsylvania uses PSI, not Pearson VUE. The exam fee is $43 per attempt and the passing score is 70%. You'll receive a preliminary pass/fail score report before leaving the testing center.
- 03
Complete IdentoGO fingerprinting (service code 1KGBGJ)
Schedule a fingerprinting appointment through IdentoGO using Pennsylvania's insurance service code 1KGBGJ. The fingerprints are run against state and FBI databases for the background check the Pennsylvania Insurance Department requires before licensure.
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Apply via NIPR ($55 application fee)
Submit your Pennsylvania resident producer license application through NIPR. The application fee is $55 and is non-refundable. Once the Pennsylvania Insurance Department clears your background check, the license is typically issued within a few weeks.
Pennsylvania exam pass rates
Pennsylvania statewide pass rates remain a barrier for unprepared candidates: Life & Health 60–65%, Property & Casualty 60–65%, and Life-only 60–65%. Source: national first-attempt rates without structured prep; Pennsylvania does not publish per-line pass rates.
Ava Pro students who complete the full prep program pass at 90%+.
Frequently asked questions
Does Pennsylvania still require pre-licensing education?
No. As of April 29, 2025, Pennsylvania no longer requires pre-licensing education to sit for the insurance license exam. Act 1241, signed October 31, 2024, eliminated the previous 24-hour requirement. You can register directly with PSI and test without any classroom hours. However, the PSI exam still requires a 70% score to pass and includes substantial Pennsylvania-specific content, so structured exam prep remains highly recommended.
How do I get a Pennsylvania insurance license in 2026?
Four steps: 1) Complete an exam-prep course (recommended, no longer required as of April 29, 2025). 2) Schedule and pass the PSI exam — $43 per attempt with a 70% passing score. 3) Complete fingerprinting through IdentoGO using service code 1KGBGJ. 4) Submit your license application via NIPR and pay the $55 application fee. The Pennsylvania Insurance Department typically issues the license within a few weeks of a clean background check.
How much does a PA insurance license cost?
Budget roughly $150 to $250 in mandatory fees. The PSI exam is $43 per attempt, IdentoGO fingerprinting is approximately $25 to $50, and the NIPR application fee is $55. Pennsylvania no longer requires pre-licensing education, so there are no mandatory course fees, though optional exam-prep courses vary by provider.
How hard is the Pennsylvania insurance exam?
The PSI-administered exam has a 70% passing score and a meaningful share of Pennsylvania-specific content covering state statutes, Pennsylvania Insurance Department rules, and Act 1241 changes. First-attempt pass rates nationally run roughly 60–65% without structured prep. Candidates who complete a focused exam-prep course pass at substantially higher rates.