1. Complete 40 hours of pre-licensing (20 hrs Life + 20 hrs Health). Online: ExamFX or A.D. Banker ≈ $150–$240. In person: Jefferson State Community College in Birmingham offers classroom courses. You'll upload your certificate when you register for the exam.
2. Take the exam through the University of Alabama — Alabama is unusual: the state exam runs through training.ua.edu, not Pearson or PSI. Combined Life & Health exam $75 (single line $50). Test sites in Birmingham, Huntsville, Mobile, Tuscaloosa & Montgomery, or online proctored.
3. Get fingerprinted through Fieldprint at fieldprintalabama.com ≈ $50. Important: apply within 30 days of fingerprinting or you'll pay again.
4. Apply at NIPR.com — one application covers both lines $80 + transaction fee.

Approximate all-in: $355–$450 including a course.

1. Study on your own schedule — Arizona doesn't require a course, but don't skip prep. Online: ExamFX self-study ≈ $150, Kaplan ≈ $150–$300, or ExamFX Live Online as a virtual cram class ≈ $370.
2. Take the combined Life, Accident & Health exam with PSI at test-takers.psiexams.com ≈ $50–$59. 150 questions, 2.5 hours. Heads up: you get a max of 4 attempts in 12 months.
3. Get fingerprinted after you pass — Arizona flips the usual order. Fieldprint at arizona.fieldprint.com ≈ $35–$65.
4. Apply at NIPR.com $120 + transaction fee.

Approximate all-in: $360–$540 including a course.

1. Complete 40 hours of pre-licensing (20 Life + 20 Health). Online: WebCE ≈ $70–$150, A.D. Banker ≈ $80–$200, ExamFX ≈ $150; ExamFX also runs live-online sessions if you want a classroom feel.
2. Pass the Arkansas State Police background check first at cbc-enterprise.ark.org/aid ≈ $25 — PSI won't issue your Authorization to Test without it (allow 2–5 days).
3. Take your exams with PSI at psiexams.com ≈ $50 per exam, test centers or remote proctoring. Bring two forms of ID.
4. Apply at NIPR.com — Arkansas's fee is famously tiny ≈ $15 + transaction fee.

Approximate all-in: $260–$390 including a course.

1. Good news: as of January 1, 2026, California repealed its old 52-hour course requirement. What's still required is a 12-hour Ethics & California Insurance Code course from an approved provider (needed before your license is issued, not before the exam). Ignore older guides quoting 52 hours.
2. Study for the exam — Kaplan, ExamFX or A.D. Banker ≈ $150–$390. In-person options: Mike Russ Financial Training (San Diego) and A.B. Training Center run live California classes.
3. Take the combined Life & Accident/Health exam with PSI via psiexams.com — 150 questions, pass at 60%. ≈ $98 per attempt at PSI sites ($55 CDI fee + PSI site fee); cheaper at CDI's own test sites.
4. Complete Live Scan fingerprinting ≈ $74 (DOJ + FBI + rolling fee; available at PSI locations).
5. Apply through Sircon or NIPR — Life-Only + Accident & Health filed together $188.

Approximate all-in: $510–$750 including courses.

1. Complete 50 hours per line (100 hrs for Life + Health, including Colorado law and ethics). Online: Kaplan, A.D. Banker or ExamFX ≈ $200–$400 for both lines. In person: PASS Insurance Training in the Denver area runs live prep classes.
2. Take your exams with Pearson VUE at pearsonvue.com/co/insurance $41 per exam — Life and Accident & Health are separate sittings, so budget $82.
3. No fingerprinting required — Colorado skips this step entirely.
4. Apply at NIPR.com $44 per line ($88 both) + transaction fee. One warning: Colorado has no reinstatement — if you ever let the license expire, you start over.

Approximate all-in: $370–$580 including courses.

1. Complete the 60-hour "2-15" course — Florida's combined Life, Health & Variable Annuity license. Online: Kaplan, ExamFX or A.D. Banker ≈ $150–$400. In person: Gold Coast Schools (Doral & North Lauderdale) and Larson Educational Services (Fort Myers/Naples) ≈ $300–$400.
2. Take the single combined 2-15 exam with Pearson VUE at pearsonvue.com/fl/insurance $44 per attempt.
3. Get fingerprinted with IdentoGO ≈ $50.
4. Apply through the DFS MyProfile portal at dice.fldfs.com ≈ $55 total. After licensing, remember Florida requires short product-training courses before selling annuities or LTC.

Approximate all-in: $300–$550 including the course.

1. Study on your own — no course requirement. ExamFX ≈ $150, Kaplan ≈ $150–$300, or WebCE ≈ $70–$150.
2. Take the combined Life, Accident & Health exam with Pearson VUE at pearsonvue.com/id/insurance $65. Remote proctoring available; offered in English and Spanish.
3. Fingerprint at the same Pearson VUE center — Idaho's one-stop convenience ≈ $65.
4. Apply at NIPR.com $80 + transaction fee.

Approximate all-in: $280–$430 including a course.

1. Study on your own — A.D. Banker is actually headquartered in Overland Park and runs live web classes ≈ $120–$350; Kaplan and ExamFX ≈ $150–$370.
2. Take the combined Life, Accident & Health exam with Pearson VUE at pearsonvue.com/ks/insurance $64.
3. Fingerprints: free printing at KDOI's Topeka office or paid livescan at Pearson VUE centers (Overland Park, Topeka, Wichita); the KBI/FBI background fee ≈ $70 is collected with your application. Allow 5–10 business days for results.
4. Request a Kansas tax clearance certificate from the Dept. of Revenue and email it to KDOI — Kansas won't process your license without it (free, takes minutes online).
5. Apply at NIPR.com $30 + transaction fee.

Approximate all-in: $290–$530 including a course.

1. Study on your own — Louisiana repealed its course requirement. ExamFX, Kaplan or A.D. Banker ≈ $120–$370; 180licensing.com is a Louisiana-focused online option.
2. Take the combined Life, Health & Accident exam with PSI at test-takers.psiexams.com ≈ $38. 150 questions, 70% to pass, unlimited retakes.
3. Get fingerprinted right at the PSI test center on exam day — no separate appointment ≈ $39. Background processing can take up to 4 weeks.
4. Apply at NIPR.com $75 + transaction fee.

Approximate all-in: $270–$520 including a course.

1. Study on your own — WebCE ≈ $100–$150, Kaplan or ExamFX ≈ $150–$370. In person: Career Education Systems runs live licensing classes in Kansas City and St. Louis.
2. Take the combined Life, Accident & Health exam with Pearson VUE at pearsonvue.com/mo/insurance $40 — the cheapest combined exam of any state on this page. 24-hour wait to retest if needed.
3. No fingerprinting required for resident producers — Missouri runs a name-based background review.
4. Apply at NIPR.com $100 + transaction fee.

Approximate all-in: $250–$510 including a course.

1. Study on your own — ExamFX, Kaplan, A.D. Banker or WebCE ≈ $120–$370 (live-online cram sessions via ExamFX/Kaplan).
2. Get fingerprinted FIRST — New Mexico wants prints done before you apply. IdentoGO, ORI code NM920210Z ≈ $44–$59.
3. Take the combined Life, Accident & Health exam with PSI at test-takers.psiexams.com $75. 150 questions, 70% to pass; your payment is valid for one year.
4. Apply at NIPR.com ≈ $30 + transaction fee. Allow 3–5 weeks' processing, and note all materials must reach OSI within a year of passing.

Approximate all-in: $270–$530 including a course.

1. Study your way: the local favorite is Stone Insurance Education — a 2-day in-person Life, Accident & Health cram course in Oklahoma City (OSU-OKC campus) and the Tulsa/Broken Arrow area, workbook and practice exams included ≈ $210–$250. Online alternatives: A.D. Banker's pre-licensing book $35 print / $20 PDF, ExamFX or Kaplan ≈ $125–$370.
2. Take the combined Life, Accident & Health exam with PSI at test-takers.psiexams.com $38 — no mandatory wait between retakes.
3. No fingerprinting required for resident producers.
4. Wait 3 business days after passing (results transmission lag), then apply at NIPR.com or the OID portal $60 + transaction fee.

Approximate all-in: $125 bare-bones · $320–$470 with a class.

1. Study on your own — Tennessee dropped its 20-hour requirement in 2023 (ignore older guides). Kaplan, ExamFX, XCEL or WebCE ≈ $100–$370.
2. Take the exam with Pearson VUE at pearsonvue.com/tn/insurance. The combined Life + Health sitting $80 is offered online only via OnVUE; at a physical test center you'd take two separate $55 exams. Bring two forms of signature ID.
3. Get fingerprinted with IdentoGO, ORI code TN920680Z $37.15.
4. Wait 48 hours after your exam, then apply at NIPR.com — both lines go on one license $50 + transaction fee.

Approximate all-in: $270–$540 including a course.

1. Study on your own — Texas dropped pre-licensing in 2018, but the exam is not easy; take a prep course. Kaplan ≈ $125–$300, A.D. Banker (runs Texas live web classes) ≈ $100–$170, ExamFX ≈ $80–$200.
2. Take the combined Life, Accident & Health exam with Pearson VUE at pearsonvue.com/tx/insurance ≈ $49. Offered in English and Spanish.
3. Get fingerprinted with IdentoGO (service code 11G6QF) ≈ $40. Complete prints and application within 12 months of passing.
4. Apply through Sircon or NIPR to TDI $50 + transaction fee — approval typically lands in 1–5 business days.

Approximate all-in: $220–$440 including a course.

1. Study on your own — ExamFX ≈ $80–$200, Kaplan ≈ $150–$300, A.D. Banker ≈ $100–$170.
2. Take the combined exam with Prometric (Utah's vendor, unlike most states) at prometric.com/utah ≈ $44 (single line $32). Remote proctoring available.
3. Fingerprint at the Prometric center right after passing ≈ $34–$38 — Utah lets you do prints and even the application the same day at the center.
4. Apply via Sircon or NIPR (no paper option) $75 + transaction fee.

Approximate all-in: $240–$460 including a course.

1. Study on your own — Washington abolished pre-licensing in July 2023 (ignore stale guides). Kaplan, ExamFX or A.D. Banker ≈ $80–$300. Quirk to know: Washington calls the health line "Disability."
2. Take the combined Life & Disability exam with PSI at test-takers.psiexams.com $52 (single line $35).
3. Apply FIRST at NIPR.com $55 + transaction fee — Washington wants the application in before prints.
4. Wait 36–48 hours, then schedule fingerprints with IdentoGO ≈ $49.

Approximate all-in: $240–$460 including a course.

1. Complete state-approved pre-licensing: 20 hrs per line, but the 8-hour core counts once — so Life + Health together is 32 hours. Online: Kaplan, ExamFX or A.D. Banker ≈ $150–$300 for both. Classroom/webinar options via A.B. Training Center and the Independent Insurance Agents of Wisconsin (Madison). Bring your certificate to the test center.
2. Take TWO separate exams with PSI at test-takers.psiexams.com — Wisconsin has no combined sitting: Life ($75) and Accident & Health ($75) $150 total. 100 questions each, 70% to pass. Scores expire in 180 days, so don't dawdle.
3. Get fingerprinted with Fieldprint (code FPWIOCIInsurance) ≈ $36 — clearance also expires in 180 days.
4. Apply at NIPR.com $10 + transaction fee for exam-based lines.

Approximate all-in: $350–$500 including courses.

1. Study on your own — Kaplan, ExamFX, A.D. Banker or XCEL ≈ $80–$300; the WY DOI also lists CompuCram as a study vendor.
2. Take the combined Life & Accident/Health exam with Pearson VUE at pearsonvue.com/wy/insurance $113 (single line $96) — the steepest exam fee on this page; OnVUE remote proctoring available, so pass it the first time.
3. Submit fingerprints to the Wyoming DOI ≈ $39 — card-based processing, allow 2–3 weeks.
4. Apply via Sircon — one flat fee covers every line of authority you add $100. Renewal falls on your birth month every two years.

Approximate all-in: $330–$550 including a course.