How to Get Your Vermont Insurance License in 2026
A complete step-by-step guide to becoming a licensed insurance producer in Vermont. Good news up front: Vermont does not require pre-licensing education and does not require fingerprinting — pass the Prometric exam, file a NIPR application, and you can be licensed in about a month.
Vermont insurance license — quick facts
| State regulator | Vermont Department of Financial Regulation (DFR) |
| Exam vendor | Prometric (test centers + remote ProProctor) |
| Pre-licensing education | Not required |
| Exam fee (resident) | $65 per attempt (P&C, Series 14-31); $50 for single-line exams |
| P&C exam format | 150 scored + 5 unscored questions, 2.5 hours, scored pass/fail |
| License application fee | $60 via NIPR ($30 application + $30 license fee) |
| Fingerprinting | Not required |
| License term | Fixed biennial term: April 1 – March 31 of odd-numbered years (not prorated) |
| CE requirement | 24 hrs per 2-year period, incl. 3 hrs ethics (Reg 2000-02-I) |
| Notable | #1 US captive insurance domicile (600+ captives) |
The six steps
- 1
Skip pre-licensing education — Vermont doesn't require it
The Vermont Department of Financial Regulation (DFR) requires only that you pass the licensing exam and submit an application — there is no state-approved pre-licensing course mandate. That means you can go straight to focused exam prep. Our $49.99 Vermont course gets you exam-ready in 2-4 weeks.
- 2
Schedule your Prometric exam
Vermont contracts with Prometric for insurance license exams. Create a profile at prometric.com/exams/insurance-vt, register for your exam, and choose a test center or Prometric's remote-proctored ProProctor option. The Property & Casualty exam (Series 14-31) costs $65 per attempt; single-line exams like Life (14-25) or Personal Lines (14-39) are $50.
- 3
Pass the Prometric exam
The Vermont Property & Casualty exam (Series 14-31) has 150 scored questions plus 5 unscored experimental questions with a 2.5-hour time limit — one of the longer P&C exams in the country, so pace yourself at roughly one question per minute. Prometric scores the exam pass/fail against the standard set by the Vermont DFR and reports your result electronically.
- 4
Wait 48 hours, then apply through NIPR
Vermont requires resident applicants to wait 48 hours after passing the exam before submitting the electronic application at nipr.com. The state fee is $60 total — a $30 application fee plus a $30 license fee — and no fingerprinting is required. Routine applications are generally issued within 48 hours (allow up to 10 business days).
- 5
Mind Vermont's fixed license calendar
Unlike most states, every Vermont producer license runs on the same fixed term: April 1 through March 31 of odd-numbered years, and fees are not prorated. One catch: if your license is issued during the January 1 – March 31 renewal window of an odd year, you'll need to file a renewal application right away to keep it active past March 31.
- 6
Get appointed by an insurance carrier
A producer license alone doesn't authorize you to sell — Vermont is an appointment state, so an insurer must appoint you as its agent for each line you'll write. The appointment must be filed within 15 days of your agency contract or first application, whichever comes first; if you're joining an agency, they'll typically handle this for you.
What's on the Vermont P&C exam
The Vermont Property & Casualty exam (Prometric Series 14-31) has 150 scored questions plus 5 unscored experimental questions and a 2.5-hour time limit, scored pass/fail against the passing standard set by the Vermont DFR. It covers the standard NAIC framework plus Vermont-specific statutes from Title 8 of the Vermont Statutes Annotated and Title 23's motor vehicle financial responsibility laws. Section weights from the official Prometric content outline:
- Insurance regulation (8 V.S.A., licensing & trade practices) — 10% (15 items)
- General insurance principles — 9% (13 items)
- Property & casualty basics — 10% (15 items)
- Dwelling policy — 5% (8 items)
- Homeowners policy — 17% (26 items)
- Auto insurance (incl. VT financial responsibility law & UM/UIM) — 21% (31 items)
- Commercial Package Policy (incl. CGL, crime, inland marine, farm) — 8% (12 items)
- Businessowners policy — 6% (9 items)
- Workers compensation — 7% (10 items)
- Other coverages and options (umbrella, surety, flood, ocean marine) — 7% (11 items)
Auto insurance is the single heaviest section at 21%, with Homeowners close behind at 17% — together they're nearly 4 in 10 questions, so drill Vermont's required auto liability limits and UM/UIM rules hard. Try our free Vermont practice exam to see where you stand before booking with Prometric.
Vermont: the #1 captive insurance domicile
Vermont has been the leading U.S. captive insurance state since it pioneered captive-friendly legislation in the early 1980s. More than 600 captives are domiciled in Vermont — more than any other state — and the Captive Insurance Division within DFR actively regulates and recruits them. Burlington hosts the annual Vermont Captive Insurance Association conference, which draws risk managers from Fortune 500 companies worldwide. For new producers this matters in two ways: Vermont's insurance ecosystem punches far above the state's size, and producers serving large commercial accounts often interact with Vermont captives even when their resident license is elsewhere.
Vermont's unusual fixed license term
Most states tie your renewal date to your birth month or license anniversary. Vermont doesn't: every producer license runs April 1 through March 31 of odd-numbered years, no matter when it was issued, and fees are not prorated. Get licensed in mid-2026 and you'll renew by March 31, 2027 — a shorter first term than you might expect. And if your license is issued during the January 1 – March 31 renewal window of an odd year, DFR expects an immediate renewal filing to keep it active past March 31. Build that into your budget and calendar from day one.
CE requirements after licensing
Each two-year license period (ending March 31 of odd-numbered years), Vermont producers must complete 24 hours of approved continuing education, including at least 3 hours of ethics, under Vermont Regulation 2000-02-I. Producers who sell long-term care insurance also need a one-time 8-hour LTC training course (with at least 2 hours of Vermont-specific content) plus 4 hours of ongoing LTC training every cycle — LTC training can count toward the 24 hours if the course is CE-approved. Prometric is DFR's CE vendor, and you can check your credits anytime through the NAIC's State Based Systems.
Cost breakdown
- Exam-prep course: $49.99 with Elite Training Academy
- Prometric exam fee: $65 per attempt for P&C (Series 14-31); $50 for single-line exams
- Fingerprinting: $0 — not required in Vermont
- DFR license application: $60 ($30 application fee + $30 license fee), plus a small NIPR transaction fee
- Biennial renewal: $60 + CE course costs ($30-$200 depending on provider)
All-in, plan on roughly $175-$200 to go from zero to licensed — cheaper than most states, since there's no mandatory pre-licensing course and no fingerprinting fee.
Ready to start studying?
Start your Vermont insurance license exam prep for $49.99 with lifetime access and 500+ practice questions per course.
See Vermont exam prep courses →Frequently asked questions
Does Vermont require pre-licensing education?
No. The Vermont Department of Financial Regulation does not require state-approved pre-licensing education for resident producer licenses — you only need to pass the Prometric exam and submit a NIPR application. A solid exam-prep course is strongly recommended (the P&C exam is 150 scored questions), but not legally required.
How many questions is the Vermont insurance exam?
The Vermont Property & Casualty exam (Series 14-31) has 150 scored questions plus 5 unscored experimental questions — 155 total — with a 2.5-hour time limit. The combined Life, Accident, Health and HMO exam (Series 14-29) uses the same format: 150 scored questions plus 5 unscored, also with a 2.5-hour limit. Prometric reports your result as pass/fail.
How much does the Vermont insurance exam cost?
$65 per attempt for the Property & Casualty exam (Series 14-31) or the combined Life, Accident, Health and HMO exam (14-29); single-line exams such as Life-only or Personal Lines are $50. Fees are paid to Prometric at registration and are non-refundable — if you fail, you pay again for each retake, which is why practice-exam prep pays for itself.
How much does a Vermont insurance license cost in total?
Roughly $175-$200 all-in: $49.99 for exam prep, $65 for the Prometric P&C exam, $60 for the state application ($30 application fee + $30 license fee), plus a small NIPR transaction fee. No fingerprinting fee — Vermont doesn't require it.
How long does it take to get a Vermont insurance license?
Typically 3-5 weeks. Because Vermont has no pre-licensing requirement, the timeline is mostly study time: 2-4 weeks of exam prep, then schedule and pass the Prometric exam, wait the required 48 hours, and file the NIPR application — routine applications are generally issued within 48 hours.
Does Vermont require fingerprinting for an insurance license?
No. Vermont does not require fingerprinting or a fingerprint-based background check for resident producer applicants. The application asks standard background questions, and DFR may request supporting documents if you answer yes to any of them — but there's no fingerprint step or fee.
When does a Vermont insurance license expire?
Every Vermont producer license expires March 31 of odd-numbered years — the term is fixed at April 1 to March 31 regardless of when your license was issued, and fees are not prorated. The renewal window runs January 1 through March 31 of the renewal year; if your license is issued during that window, you must renew immediately to stay active.
What are Vermont's continuing education requirements?
24 hours of approved continuing education every two-year license period, including at least 3 hours of ethics (Vermont Regulation 2000-02-I). Producers selling long-term care insurance also need a one-time 8-hour LTC course plus 4 hours of ongoing LTC training each cycle, which can count toward the 24 hours. CE periods end March 31 of odd-numbered years, matching the license term.
Related guides
- Free Vermont practice exam
- How to get your New Hampshire insurance license
- How to get your Maine insurance license
- How to get your Rhode Island insurance license
Sources cited
- Vermont DFR — Producer License (requirements, fees, license term)
- Vermont DFR — Insurance Producer Initial and Renewal Fee Chart
- Vermont DFR — Regulation 2000-02-I, Continuing Education Requirements
- Prometric — Vermont Insurance exams, registration form & License Information Bulletin
- Prometric Series 14-31 — Vermont Property & Casualty content outline
- NIPR — Vermont Resident Licensing (Individual)
This guide is based on Vermont DFR, Prometric, and NIPR published procedures current as of 2026. Fees and procedures change — always verify current requirements at dfr.vermont.gov before relying on any specific number.