Utah Life and Health vs. Property and Casualty License: Which Do You Need?

The Utah Property and Casualty License

A Utah property and casualty license lets you insure property and the liability that comes with it. The combined exam (Series 17-04) covers dwelling and homeowners policies, personal and commercial auto, commercial package policies, the businessowners policy, workers compensation, umbrella and specialty liability, and surety bonds.

It fits you if: you want to insure homes, cars, and businesses, or you're joining an agency that writes auto and home for families and commercial policies for local businesses.

Know this going in: about 30% of the P&C exam is commercial coverage. Our Utah exam guide breaks down every section.

Personal Lines vs. Full Property and Casualty

Utah also offers a Personal Lines license (Series 17-20), which covers home and auto coverage for individuals. It's a 100 question exam instead of 150, and that's its only real advantage. Full Property and Casualty lets you write commercial policies too, and commercial accounts are where a P&C book can grow. If you can study for the bigger exam, take it.

Should You Get Both Lines?

If you're going independent or want to run your own agency someday, yes. Holding Life and Health plus Property and Casualty means you can quote a client's car and home, then talk about their life insurance in the same conversation instead of handing them to someone else.

If you're joining a captive agency, ask which lines they appoint for before you book a single exam. Some captive roles hire for one side first and add the other later. See how each path pays off with our list of best paying jobs, or explore more insurance career paths.

Adding a Line to Your Utah License Later

Start with one line now and add the other whenever you're ready. You pass the Prometric exam for the new line, then amend your license through Sircon or NIPR and pay the $25 fee to add a line of authority. If you already hold a Utah resident license, you don't get fingerprinted again.

How to Get Your Utah License Once You Choose

1. Prep for your exam. Every line has its own Prometric content outline. Our Utah exam guide shows what each one covers, and our study tips help you build a plan.
2. Pass the Prometric exam. Test at a center or online. You need 70%.
3. Apply and get fingerprinted. Apply through Sircon or NIPR within 90 days of passing, then get fingerprinted at a Utah test center. The Utah licensing guide has every detail.

Then the real work starts. Here's what agents do in their first months, and what first year earnings look like.

Other Utah Insurance Licenses You Might Hear About

• Variable life and variable annuities: requires a life license plus a current FINRA qualification and registration with the Utah Securities Division.
• Surplus lines: requires at least three of the past four years as a property and casualty producer.
• Title: separate title exams for marketing, examination, and escrow work.
• Adjuster: separate adjuster exams, including property and casualty, accident and health, crop, and workers compensation.
• Consultant: requires at least three years of qualifying experience in the line you'll consult on, within the past four years.

Utah Insurance License Types FAQs

Can You Sell Annuities With a Utah Life Insurance License?

Yes, fixed annuities are part of the Life line. Variable annuities also require the variable contracts license, which means FINRA qualification and Utah Securities Division registration.

Can You Get a Utah Life License Without the Health Line?

Yes. Take the Life exam (Series 17-01) on its own. You can always add Accident and Health later with its own exam (Series 17-02).

Which Utah Insurance License Is Easiest to Get?

None of them are easy, but single line exams are shorter: 100 questions in 2 hours. The combined exams are 150 questions in 2 hours 30 minutes, which works out to less time per question. Shorter isn't always smarter, though. A single line limits what you can sell.

Do You Need a Separate License for Each Line in Utah?

No. You hold one Utah producer license, and each line you pass is added to it as a line of authority.

Pick Your Utah License and Start Prepping

Know which line you want? Aceable's Utah exam prep covers Life Only, Life and Health, Property and Casualty, and both lines together, all built to the Prometric outline with Ace Mode and a Pass Guarantee. Still deciding? Our Utah licensing guide walks through every step after you choose.