Idaho P&C Producer Licensing Requirements

Idaho has specific requirements for obtaining a Property & Casualty insurance producer license. Notably, Idaho is one of the few states that does not require pre-licensing education, placing responsibility on candidates to prepare adequately for the exam.

Pre-Licensing Education: Not Required

Idaho's Unique Approach

Unlike most states that require 20-60 hours of pre-licensing education, Idaho does NOT require any pre-licensing education for Property & Casualty insurance licensing.

What This Means:

• You can schedule and take the exam without completing formal coursework
• No certificates or transcripts to submit before testing
• Preparation is your responsibility

Reality Check: While legally not required, adequate preparation is essential. The exam tests comprehensive knowledge of:

• Insurance principles, terminology, and concepts
• Property and casualty policy types and coverages
• Idaho-specific regulations and statutes
• Risk management and loss control
• Claims handling procedures
• Ethics and professional conduct

Recommended Study Approach

Study Resources:

• This comprehensive study guide
• Idaho Code Title 41 (Insurance Law)
• PSI candidate handbook and content outline
• Self-study courses (optional but helpful)
• Practice exams and quizzes

Exam Tip: Don't let the lack of required education fool you. The exam is comprehensive and challenging. Most successful candidates study extensively, whether through formal courses or self-study programs like this one.

Examination Requirements

The Idaho Property & Casualty examination tests your knowledge of insurance concepts and Idaho law.

Exam Structure

Passing Requirements

Critical Point: You must pass BOTH sections independently:

• Property section: 70% minimum (55 of 78 correct)
• Casualty section: 70% minimum (56 of 80 correct)

If you fail one section but pass the other, check current PSI policies for retake options.

Exam Content Areas

Scheduling and Taking the Exam

Scheduling Your Exam

1. Create PSI account at psiexams.com
2. Select exam: Idaho Property & Casualty
3. Choose location: Testing center or remote proctoring
4. Select date/time: Multiple options available
5. Pay exam fee: Via credit/debit card
6. Receive confirmation: Email with exam details

Testing Center Locations

PSI operates testing centers throughout Idaho including:

• Boise (multiple locations)
• Idaho Falls
• Pocatello
• Coeur d'Alene
• Twin Falls
• Other locations as available

Remote Proctoring Option

PSI offers remote proctored exams where you can test from home:

• Requires compatible computer with webcam
• Reliable internet connection
• Private, quiet testing environment
• Room scan and ID verification required

Exam Day Procedures

What to Bring

Required:

• Valid government-issued photo ID (driver's license, passport, state ID)
• PSI confirmation number or email

Acceptable ID Requirements:

• Current (not expired)
• Photo clearly identifiable as you
• Name matches exam registration

Not Allowed at Testing Center

• Cell phones, smart watches, electronic devices
• Study materials, notes, books
• Calculators (provided if needed)
• Bags, backpacks, purses in testing room
• Food or beverages
• Hats or sunglasses (unless religious)

Exam Day Timeline

1. Arrive 15 minutes early for check-in
2. Present photo ID and confirmation
3. Store personal items in provided locker
4. Complete sign-in and biometric capture
5. Receive scratch paper and pencil (returned after)
6. Take exam tutorial (brief computer orientation)
7. Complete exam at your pace within time limit
8. Receive preliminary results immediately on screen

Background Check Requirements

Idaho requires all insurance license applicants to pass a background check.

What the Department Reviews

• Criminal history records
• Prior regulatory actions in any state
• Administrative actions by other licensing boards
• Civil judgments related to financial or fiduciary conduct

Potentially Disqualifying Factors

Disclosure Requirements

You MUST disclose:

• All criminal convictions (felonies and misdemeanors)
• Pending criminal charges
• Prior administrative actions
• Other state license denials or revocations
• Civil judgments involving fraud or dishonesty

Failure to disclose is grounds for denial or revocation.

License Application Process

Steps to Obtain Your License

1. Pass the exam (70% on both sections)
2. Complete application through NIPR (nipr.com) or directly with IDOI
3. Submit background information
4. Pay application fees (check current IDOI fee schedule)
5. Await processing (typically 2-4 weeks)
6. Receive license via email confirmation

Application Requirements

License Types and Lines of Authority

Idaho offers several P&C license types:

Resident vs. Non-Resident Licenses

• Resident License: For producers whose home state is Idaho
• Non-Resident License: For producers licensed in another state seeking Idaho authority
• Non-residents apply through NIPR using reciprocal licensing