Minimum Age to Obtain a Colorado Life Insurance License
The state of Colorado sets the minimum age at 18 years old. Applicants must be legal adults to complete the pre‑licensing education, pass the exam, and submit the application.
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Eligibility Factors Beyond Age
While age is the primary legal threshold, candidates must also meet residency or business‑entity requirements, have a clean criminal record, and possess a Social Security number for background checks.
Steps to Secure the License After Turning 18
1. Enroll in an approved pre‑licensing course covering Colorado insurance statutes and ethics.2. Pass the Colorado Life Insurance Exam with a score of at least 70%.3. Submit the NIPR (National Insurance Producer Registry) application, including fingerprinting for a background check.4. Pay the licensing fee, currently $140 for a non‑adjuster life insurance license.
Exceptions and Special Cases
Colorado does not allow minors to be licensed, even with a guardian's consent. However, individuals aged 16‑17 can work under a licensed producer as a sales assistant, gaining experience before the full license becomes available at 18.
Maintaining the License
After obtaining the license, holders must complete 24 hours of continuing education every two years, including 3 hours of ethics, to keep the credential active.