Study guide
1.2 Alaska Producer Licensing Requirements
Alaska Life & Health Insurance State
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1 Introduction: Alaska Life & Health Insurance Exam Overview
Alaska Life & Health Exam Overview
2 Chapter 1: Alaska Insurance Regulation & Licensing
1.1 Alaska Division of Insurance 1.2 Alaska Producer Licensing Requirements 1.3 License Maintenance and Continuing Education
3 Chapter 2: Alaska Life Insurance Laws
2.1 Alaska Life Insurance Policy Requirements 2.2 Alaska Annuity Regulations 2.3 Alaska Replacement Rules
4 Chapter 3: Alaska Health Insurance Laws
3.1 Alaska Health Insurance Policy Requirements 3.2 Alaska Medicare Supplement (Medigap) Regulations 3.3 Alaska Disability and Long-Term Care Insurance
5 Chapter 4: Alaska Insurance Ethics & Prohibited Practices
4.1 Unfair Trade Practices 4.2 Producer Conduct and Fiduciary Duties 4.3 Alaska Life and Health Insurance Guaranty Association
1.2 Alaska Producer Licensing Requirements
Key Takeaways Explain This Topic AI
Alaska does NOT require pre-license education for resident producers — you may schedule the exam directly
Pearson VUE administers Alaska licensing exams at test centers (Anchorage, Fairbanks, Juneau) and via OnVUE online proctoring
The passing score is a scaled 70; the exam fee is $89 and covers up to two exams taken in a single test-center session
Life and Accident & Health are SEPARATE exams — Alaska does not offer a combined Life & Health test
Resident applicants must mail an original FBI FD-258 fingerprint card plus a $48.25 background-check fee to the Division in Juneau — fingerprinting is NOT confined to Anchorage
Last updated: October 2026
No Pre-License Education Requirement
Alaska does not require pre-license education (PLE) for resident producers. There are no mandatory classroom or online hours and no specific approved-course requirement before you sit for the exam.
- Requirement Alaska Status
- Mandatory PLE hours None
- Required courses None
- Can schedule the exam directly Yes
Despite this, the exam content is extensive, so commercial prep courses (ExamFX, Kaplan, AD Banker) are strongly recommended . Most candidates put in 20–40 hours of self-study. The absence of a PLE requirement is itself a frequently tested point — do not confuse "recommended" with "required."
The Licensing Examination
Alaska contracts with Pearson VUE to deliver licensing exams. Two facts matter most: the scaled passing score of 70 and the separate Life vs. Accident & Health structure . Alaska does not offer a single combined "Life & Health" exam — you schedule and pass each line independently.
- Exam Detail Requirement
- Vendor Pearson VUE
Life exam General portion: 50 scored + 10 unscored pretest (75 min) plus a 50-item Alaska state portion with about 20% pretest (60 min)
Accident & Health exam General portion: 50 scored + 10 unscored pretest (75 min) plus a 50-item Alaska state portion with about 20% pretest (60 min)
- Time limit About 2 hours 15 minutes per full line (general + state)
- Passing score Scaled score of 70 (fail = retake both parts)
- Exam fee $89 — covers up to two exams in one test-center session
- Online option OnVUE remote proctoring
- Result Pass/fail score report immediately after the exam
Each line is built from a nationally uniform general portion (50 scored questions plus 10 unscored pretest items, 75 minutes) and an Alaska state portion (50 questions, 60 minutes), each scored and passed independently at a 70 scaled-score threshold. Do not confuse this with a single 100- or 110-question test: failing the state portion fails the line even with a strong general score.
Worked example : Maria wants both Life and Accident & Health authority. At an Anchorage Pearson VUE center she books both exams for one $89 session, passes the general and state portions of each at or above 70 , and clears both lines for a single fee. Had she scheduled them on separate days, she would owe $89 each .
- Scheduling
- Online : pearsonvue.com (search "Alaska Insurance")
- Phone : (800) 274-5993
- Choose : a physical test center or OnVUE online proctored delivery
- Testing Locations
Alaska's size limits physical sites. OnVUE is the practical option for residents far from a center.
- Location Service
- Anchorage Exams
- Fairbanks Exams
- Juneau Exams
- OnVUE Online proctored exams from home
- Exam-Day Identification
In person : two valid, government-issued IDs; at least one with name and photo (driver's license, passport, military ID). Names must match your registration exactly.
OnVUE : webcam, microphone, a compatible computer, reliable internet, a private quiet room, and a valid photo ID for the check-in photo.
Banned : cell phones, watches, notes, and personal items at the workstation.
Fingerprinting and the Background Check
This is the section most often stated incorrectly in low-quality guides. Alaska does not restrict fingerprinting to the Anchorage test center. Instead:
- Step Detail
- Card type One original FBI FD-258 card, 8" x 8", black/pale-blue ink on cardstock
Where Any approved fingerprinter (police department, UPS Store, commercial vendor) — anywhere in or out of state
- Submit with A completed Privacy & Consent form and a $48.25 background-check payment to the State of Alaska
- Mail to Division of Insurance, P.O. Box 110805, Juneau, AK 99811-0805
- Upload? No — fingerprint cards may not be uploaded through NIPR; the original card must be mailed
- When required Only if you do not already hold an active insurance license
- Application and Qualifications
After passing, you apply through the National Insurance Producer Registry (NIPR) at nipr.com.
Pass the relevant exam(s) with a scaled score of 70 or higher.
Have an approved fingerprinter complete your FD-258 card; mail it with the Privacy & Consent form and $48.25 to the Juneau office.
Submit the producer application through NIPR .
Pay the $75 license fee (plus NIPR's transaction fee).
Await Division review of the background check and approval.
To qualify you must be at least 18 years old , complete the exam and background check, and have no disqualifying criminal history.
Lines of Authority
- License Type What You May Sell
- Life Life insurance and annuities
- Accident & Health Health, disability income, and long-term care insurance
- Property Property insurance
- Casualty Liability insurance
- Personal Lines Personal auto and homeowners
Exam Tip : Annuities fall under the Life line, not Accident & Health. Long-term care and disability income fall under Accident & Health .
Appointment vs. License
Passing the exam and holding a license lets you qualify to sell, but you generally need an appointment from each insurer whose products you place. The exam expects you to keep these two concepts separate:
- Concept What It Authorizes
- License Legal authority from the state to act as a producer
- Appointment An insurer's authorization for you to represent it and submit its business
The insurer files the appointment with the Division and pays the appointment fee. When the relationship ends, the insurer files a termination of appointment , stating the reason; if the termination is for cause (fraud, theft), the insurer must report it. Selling a carrier's product without an active appointment is a violation for both the producer and the carrier.
Temporary Licenses
Alaska may issue a temporary license without an exam in narrow circumstances — for example, to the surviving spouse, next of kin, or designated employee of a producer who has died or become disabled, so the existing book of business can be serviced while a permanent arrangement is made. A temporary license is time-limited (commonly up to 180 days) and does not let the holder write new business beyond servicing the existing accounts.
Exam Retake and Common Application Errors
Retakes : Fail an exam and you simply reschedule and pay the $89 fee again ; there is no PLE penalty because none was required.
Name mismatch : Your Pearson VUE registration, your IDs, and your NIPR application must all show the same legal name — a mismatch is a top reason check-in is refused or an application stalls.
Skipping the mailed card : Because the FD-258 card cannot be uploaded, applicants who submit only the NIPR application without mailing the original card to Juneau see their files held pending the background check.
Exam Tip : "Licensed" is necessary but not sufficient to sell a specific company's products — you also need that company's appointment . Watch for questions that test this distinction.