Pennsylvania Insurance License Background Check Requirements

Pennsylvania Background Check Requirements: What You Need to Know

Pennsylvania absolutely requires a background check for all insurance license applicants. The Pennsylvania Insurance Department requires fingerprints to ensure that applicants do not have a disqualifying criminal or social services background that would prevent them from being a licensed insurance agent.

This requirement applies to all new applicants seeking their first Pennsylvania insurance license, regardless of the line of authority they're pursuing - whether that's life, health, property and casualty, or personal lines insurance.

The Fingerprinting Process Explained

The background check process in Pennsylvania involves electronic fingerprinting through IdentoGO enrollment centers. Here's what you need to know:

Service Code Requirements: When scheduling your appointment at the IdentoGO website, you must use the appropriate service code assigned to the Pennsylvania Insurance Department, which is 1KGBGJ. Using the correct service code ensures the background check is processed for the proper agency and submitted for the correct purpose.

Live Scan Process: This process is completed via Live Scan at an IdentoGO enrollment center and allows the Pennsylvania Insurance Department to obtain a national criminal history background check from the FBI to confirm you meet the state's insurance agent requirements.

Critical Timing: Do not register for a fingerprinting appointment and submit fingerprints until after you have passed any examination requirements and applied for licensure. Any fingerprint results received without a corresponding license application will not be accepted, and individuals will be required to resubmit their fingerprints and repay the fingerprinting fee.

How to Schedule Your Background Check Appointment

Scheduling your fingerprinting appointment is straightforward, but attention to detail is crucial:

1. Pass your state exam first - Don't schedule fingerprinting until after you've successfully passed your Pennsylvania insurance licensing exam
2. Visit the IdentoGO website or call 844-321-2101 to schedule your appointment
3. Use service code 1KGBGJ - This is critical for proper processing
4. Save your registration number - You'll receive a registration number that you must bring to your appointment
5. Bring proper identification - A valid government-issued ID is required

What Happens If You Have a Criminal History?

Having a criminal history doesn't automatically disqualify you from obtaining a Pennsylvania insurance license. Pennsylvania requires that all insurance license applicants provide fingerprints prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts.

The Pennsylvania Insurance Department reviews each application individually, considering factors such as:

• The nature and severity of the offense
• How long ago the incident occurred
• Evidence of rehabilitation
• The relevance of the offense to insurance duties

Preliminary Eligibility Review Option

If you're concerned about your criminal history affecting your license application, Pennsylvania offers a helpful solution. The pre-licensing process offers guidance on how past issues might affect their chances without first having to go through the formal license application process.

Benefits of Preliminary Review:

• Confidential assessment of your eligibility
• No formal application fees required
• Guidance on potential licensing obstacles
• Peace of mind before investing in the full licensing process

To request a preliminary review, you'll need the grading, date, and jurisdiction of any prior charges and can submit your request through the Pennsylvania Insurance Department's online portal.

Background Check Timeline and Processing

After you submit your fingerprints, the FBI processes your background check and returns the results to the Pennsylvania Insurance Department. If everything on your application has been filled out correctly, your license should be issued within a few weeks — which is the amount of time it typically takes for a license application and background check to be reviewed.

Important Note: The issuance of your insurance license can take longer if there are any items from your background check that need to be reviewed. However, the state will likely contact you to provide context if they encounter any issues.

Recent Changes to Pennsylvania Insurance Licensing

Pennsylvania has made significant changes to its licensing requirements. Effective April 29, 2025, the PLE requirement has been removed per Act 142 of 2024. This means pre-licensing education is no longer mandatory, though it's still highly recommended for exam preparation.

However, the background check requirement remains unchanged and continues to be a mandatory part of the licensing process for all applicants.

Additional Pennsylvania Licensing Requirements

While the background check is a crucial component, it's just one part of the complete licensing process. Understanding how to become an insurance agent with no experience can help you prepare for the full scope of requirements. You'll also need to:

• Pass the state insurance licensing exam with a score of 70% or higher
• Submit a license application through NIPR or Sircon
• Pay the required licensing fees
• Meet continuing education requirements for license renewal

The National Association of Insurance Commissioners (NAIC) provides additional resources about insurance licensing standards nationwide.

Key Steps for Success

Before Your Background Check:

1. Complete your Pennsylvania insurance licensing exam
2. Ensure you understand all application requirements
3. Gather necessary documentation

During the Process:

1. Use the correct service code (1KGBGJ)
2. Bring proper identification to your appointment
3. Keep your registration number safe

After Your Background Check: For aspiring agents, learning about tips for becoming a successful insurance agent can set the foundation for long-term success. Additionally, understanding how to start a career in property & casualty insurance can help you choose the right licensing path.

1. Monitor your application status
2. Respond promptly to any state inquiries
3. Prepare for potential follow-up requirements

The Bottom Line on Pennsylvania Background Checks

Yes - you absolutely need a background check for a Pennsylvania insurance license. This mandatory requirement involves fingerprinting at an IdentoGO center using service code 1KGBGJ and should only be completed after passing your state exam.

While having a criminal history can complicate the process, it doesn't automatically disqualify you from licensure. Pennsylvania's preliminary eligibility review process allows you to assess your chances confidentially before investing in the full application process.

This article provides general information about Pennsylvania insurance licensing requirements. For the most current information and specific guidance about your situation, consult the Pennsylvania Insurance Department directly.