Getting your Tennessee property and casualty license is the first step toward becoming a P&C insurance agent in Tennessee.
The Tennessee Department of Commerce & Insurance requires you to complete a five-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.
These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.
Obtaining your Tennessee P&C license is easy. Just follow these five simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Tennessee life insurance license as well.
Before you take the Tennessee P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.
In Tennessee, you must complete 40 hours of pre-license education on P&C insurance (20 hours for each line of authority). After completing the course, you’ll need to present a valid photo ID and an original certificate of completion from the approved pre-licensing education provider when you arrive to take your exam. Your course completion certificate will remain valid for 12 months.
A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.
You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.
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After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Tennessee P&C license exam.
Tennessee uses Pearson VUE as its official testing service for delivering licensure exams. In Tennessee, the P&C exam includes two separate tests — one for each line of authority. You’ll need to take both the property insurance exam and the casualty insurance exam. If you opt to take a combination of the two exams(P&C) in one sitting, you’ll get one exam free of charge.
The Tennessee P&C insurance exam:
Passing the Tennessee P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.
If you happen to fail the Tennessee P&C insurance exam, you must wait 10 days before retaking the exam. After each subsequent attempt, you must then wait 30 days before retaking the exam.
Tip
Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.
After you take the Tennessee P&C license exam, you must get a fingerprint-based background check from IdentoGO. The fee for fingerprinting services is $35.15 to cover the cost of comparing your prints against criminal history records.
To set up a fingerprinting appointment, go to the IdentoGO website. Choose the service code for TN Insurance Producer – ORI# “TN920680Z”. If you don’t have a service code, select “Don’t Know Your Service Code” and then choose the Tennessee Department of Commerce & Insurance.
If you need assistance, call 855-226-2937 to speak to an IdentoGO representative.
At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records.
Once you pass the P&C insurance exam and complete a fingerprint-based background check, you can apply for your P&C insurance license.
In Tennessee, you must apply online via the NIPR. The application fee is $50 and the transaction fee is $5.60.
The TDCIwill issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.
To apply for a P&C insurance license in Tennessee, make sure you comply with the insurance licensing requirements as defined under the Tennessee Rules and Laws.
If you have any questions or need to forward supporting documents related to your license application, send them to ce.agent.licensing@tn.gov.
After you complete the previous four steps, the TDCI will review your application and background check. The process usually takes 10 business days from the date you submit your application.
Once the TDCI finishes reviewing your application, a TDCI information specialist will contact you with its decision or ask you to provide more information.
You can print your license from the National Association of Insurance Commissioners (NAIC) State Based Systems (SBS) License Manager page. There’s no charge to create an account or print a license. If you don’t remember your license number, you can find it by using the NAIC SBS Lookup Search tool.
Recommended Course
StateRequirement recommends All-Lines Training’s course as our number one pick for aspiring insurance agents. This is because it is price-competitive, fully state compliant, and comes with exceptional resources tailored for real-world insurance scenarios in Tennessee.
All-Lines ($179+)
You’re now ready to get started as a P&C insurance agent in Tennessee.
Once you complete the above steps and have your Tennessee P&C insurance license, here’s what you should pursue next.
Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.
You can find P&C insurance job postings on our Insurance Jobs Board.
When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).
In Tennessee, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. Tennessee CE requirements state that three of those hours must focus on ethics/consumer protection. P&C insurance licensees also must complete a one-time, three-hour course focused on the Flood Insurance Federal Reform Act of 2004.
If you have a non-resident license that satisfies the CE requirements in your home state, you don’t need to take CE courses in Tennessee.
You must complete the required CE hours at least 90 days before your license expires. You must apply for license renewal via the NIPR. The renewal fee is $60 and the late fee is $120.
For more detailed information, check out how to renew your license with our Tennessee insurance license renewal guide.
Mailing Address:
Insurance Division
500 James Robertson Parkway
Nashville, TN 37243
Phone: (615) 741-2693
