$157 All-In: Utah Life & Health License Cost 2026

Getting a Utah Life and Accident & Health producer license costs $157 in required fees if you sit the combined exam once ($44), pay the license application fee ($75), and complete fingerprinting ($38) — or $177 if you sit the two single-line exams separately ($32 + $32) plus the same license fee and fingerprinting. There is no pre-licensing course sitting on top of either total: Utah Code § 31A-23a-105 conditions licensure on the application, character requirements, continuing education, the exam itself, training-period rules that do not apply to this license type, an E&O certification, no disqualifying acts, and paid fees — not a prescribed course.

• Required fees, both lines, first try, combined exam: $157
• Required fees, both lines, first try, two separate exams: $177
• Pre-licensing course: none required
• Fingerprint background check: required for resident applicants only, $38
• Exam preparation: $0 to several hundred dollars, your choice
• Each retake: $44 (combined) or $32 (either single-line exam)
• Continuing education: 24 hours every two-year licensing period, including at least 3 ethics hours and at least 12 classroom hours

1. Prometric Exam Fee — $44 Combined, $32 Per Single-Line Exam

Paid to Prometric when you schedule, per attempt. One $44 fee covers the combined Life, Accident and Health exam (Series 17-03); sitting the two single-line exams (Series 17-01 and Series 17-02) separately costs $32 each, $64 total. The combined exam saves $20 — about 31 percent — off the two-exam path.

2. Resident Individual License Application Fee — $75

Charged by the Utah Insurance Department when you apply for your producer license. The fee is the same flat $75 whether you hold one line of authority or both.

3. Fingerprint-Based Background Check — $38

Required for resident applicants only — non-residents are exempt, and an existing resident licensee who is only adding a line of authority does not need to be fingerprinted again. The total is $6 for Prometric's own live-scan processing plus $32 for the FBI/BCI background check ($12 FBI + $20 BCI), $38 in all.

Add it up: $44 exam + $75 license fee + $38 fingerprint = $157 (combined exam), or $64 in exam fees + $75 + $38 = $177 (two separate exams).

If you want both lines of authority, the combined exam is the cheaper and faster route: one $44 fee and one 2.5-hour appointment, instead of $64 across two $32 fees and two 2-hour appointments. The license fee and fingerprint cost are the same either way, so the exam-fee difference is the whole saving.

The case for the two single-line path is narrower: if you are certain you will only ever hold one line, sit only that line's $32 exam and skip paying for, or studying, content you do not need.

Utah requires 24 CE credit hours per two-year licensing period, of which 3 hours must be ethics and at least half (12 hours) must be classroom hours of insurance-related instruction, under Utah Code § 31A-23a-202(3)(b)(i). The rest can come from home study, video recording, experience credit, or another Department-approved method, but the 12-hour classroom floor applies regardless of how the remaining hours are earned.

Professional-association membership can substitute for up to 2 hours of CE per year, capped at 2 hours total no matter how many associations you belong to. Nonresident producers are deemed compliant if they satisfy their home state's own CE requirement instead. A licensee first licensed before December 31, 1988, with no license lapse of more than one year, can request and receive a Department exemption from CE entirely, with no need to reapply once granted. CE course prices are set by individual providers, not the Department, so this guide does not quote a figure for them.

Every attempt costs the fee again: $44 for a failed combined exam, retaken as the combined exam, or $32 for a failed single-line exam, retaken as that single-line exam — you do not have to retake a line you already passed. Prometric's own published process for a failed attempt is simply to re-register and pay the fee again; neither the current Bulletin nor the Department's exam-procedures page states a cap on attempts or a mandatory wait before the next one.

One deadline does matter after you pass: your license application and fee are due within 90 days of passing, or the exam must be retaken. There is still no reason to pay the $44 or $32 fee twice when a few more days of study might avoid it.

How much you spend on preparation is the biggest variable in the whole budget, and the first-time pass rates — roughly 54-71 percent on the combined exam, 51-66 percent on Life, 66-77 percent on Accident and Health — make it a real line item, not an optional one.

$0 — the free stack. Prometric publishes the Series 17-03, 17-01 and 17-02 content outlines with the weight of every section, and its Licensing Information Bulletin explains the format and fee rules. Together they tell you what is tested, not how it works. Free general-insurance material covers national concepts reasonably well and Utah-specific law — producer licensing under Title 31A, Chapter 23a, individual health insurance provisions under R590-126, HIPUtah under §§ 31A-29-101 through 123 — poorly or not at all.

$14.99-$79 — a focused exam-prep course. LanePrep's Utah Life and Accident & Health course is nine audio chapters built from the Series 17-03 outline, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as the Pass Package. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either.

Full packages. National prep providers sell bundles with video lectures and a textbook at several times the price of a focused course. Make sure any package you buy is built from the Series 17-03 content outline and names Prometric, not another vendor, as the testing company.

Two realistic budgets, both including the confirmed $38 fingerprinting cost.

Pass the combined exam on the first attempt — $157 to $236

• Combined exam fee $44
• License application fee $75
• Fingerprinting $38
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

Pass both single-line exams on the first attempt — $177 to $256

• Life exam fee $32
• Accident and Health exam fee $32
• License application fee $75
• Fingerprinting $38
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

One retake, combined exam — $201 to $280

• Everything in the combined-exam scenario above
• A second attempt at the combined exam: $44
• In practice, more preparation as well — the same preparation produced the first result

The gap between passing on the first try and needing one retake is $44, plus however many days it takes to get a new seat, since Prometric does not publish a mandatory wait. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that sends you back to retake an exam you already paid for once.

For most self-directed candidates the cost-optimal path is:

1. Decide whether you need one line of authority or both. If both, the combined exam is the cheaper and faster route.
2. Prepare with a focused course built for the outline you are actually sitting, so a retake is not the one you need.
3. Book and pass your exam(s) through Prometric, submit your license application and fee within the 90-day deadline, and complete fingerprinting as a resident applicant.

LanePrep covers step 2: nine audio chapters built from the Series 17-03 content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself — format, weights and a week-by-week plan — read how to pass the Utah Life & Health exam on the first try.

Fees and the continuing-education structure come from Prometric's Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025), the Utah Insurance Department's exam-procedures and producers pages, and Utah Code § 31A-23a-202. Read October 2026.