Utah Insurance License
The Utah insurance license exam, in plain numbers.
Everything below is specific to Utah — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Utah
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
Administered by Prometric for the Utah Insurance Department. Time limit: 2 hours 30 minutes (150 minutes). Roughly 30 of the scored questions (20%) come from Utah law — the block national courses cover most lightly.
Prelicensing
NOT required. Utah has no formal prelicensing education requirement, though a preparatory course is recommended.
Continuing education
24 hours per renewal cycle including 3 hours of ethics. At least 12 of the 24 hours must be completed in a classroom or classroom-equivalent environment, and NO MORE THAN 12 hours may come from courses provided by insurers. Title producers have separate CE rules.
License term
2 years based on the licensee's birth month; a first term may run 24 to 35 months to align with the birth-month system
Regulator
The Utah Insurance Department oversees licensing, headed by a Commissioner leading the Utah Insurance Department.
Utah Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Utah policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $500,000 |
| Life insurance cash surrender value | $200,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $500,000 |
| Other health insurance benefits | $500,000 |
| Annuity benefits (present value) | $500,000 |
The Study Guide
Written for Utah, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Utah insurance exam questions, answered
How many questions are on the Utah insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Utah insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Utah insurance license exam?
Prometric, on behalf of the Utah Insurance Department.
Does Utah require prelicensing education?
NOT required. Utah has no formal prelicensing education requirement, though a preparatory course is recommended.
How much continuing education does Utah require?
24 hours per renewal cycle including 3 hours of ethics. At least 12 of the 24 hours must be completed in a classroom or classroom-equivalent environment, and NO MORE THAN 12 hours may come from courses provided by insurers. Title producers have separate CE rules.
Is there a Utah life-only or health-only exam?
No. Utah tests life and health together as one combined exam, so there is no single-line edition.
How much does a Utah study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Utah Insurance Department.