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How to get a Resident insurance producer license in Oregon

Oregon licenses insurance agents statewide through the Division of Financial Regulation (DFR).1 For the Resident insurance producer license you need at least 20 clock hours2 of education, a passing score on the Oregon insurance producer examinations (PSI): Life 12-01; Health 12-02; Life and Health 12-03; Property and Casualty 12-04; Property 12-12; Casualty 12-13; Personal Lines 12-14 (each includes Oregon law). No exam for credit, credit life, surety, title or trip travel.3 and a criminal background check4. The board lists $55 for the exam (Combined Life and Health or Property and Casualty exam)5 and $45 for the exam (Single-line exam)5, each a separate charge. You renew every 2 years2 and complete at least 24 hours of continuing education6.

Last checked · 14 official sources

Who issues it

Division of Financial Regulation (DFR)

Training and experience

Training: at least 20 clock hours2

Exam

Oregon insurance producer examinations (PSI): Life 12-01; Health 12-02; Life and Health 12-03; Property and Casualty 12-04; Property 12-12; Casualty 12-13; Personal Lines 12-14 (each includes Oregon law). No exam for credit, credit life, surety, title or trip travel.3

Fees the board lists

Exam fee (Combined Life and Health or Property and Casualty exam): $555
Exam fee (Single-line exam): $455
Fingerprint and state background check: $61.253

Renewal

Every 2 years2, at least 24 hours of continuing education6

From another state

Exam waiver and Military service members and spouses7 Details

On this page
  1. Oregon insurance agent licenses
  2. Applies to every license level
  3. Who needs a Resident insurance producer license
  4. Requirements for a Resident insurance producer license
  5. How much a Resident insurance producer license costs
  6. How to apply
  7. Renewal and continuing education
  8. Moving to Oregon with a license from another state
  9. Nonresident insurance producer license
  10. Business Entity License
  11. Check a license or report a problem
  12. Laws and rules
  13. Common questions
  14. Insurance agent licenses in other states

Oregon insurance agent licenses

Oregon issues 3 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

LicenseWhat it coversTraining or experienceExam
Nonresident insurance producer licenseSell, solicit or negotiate insurance in Oregon for the classes on the license: life, health, property, casualty, variable life (incl. variable annuities), personal lines, limited class credit, other limited classes, title (resident only). All classes sit on one license. To transact, the producer must also be employed by or contracted with an insurer or licensed agency.7–No1
Resident insurance producer licenseSell, solicit or negotiate insurance in Oregon for the classes on the license: life, health, property, casualty, variable life (incl. variable annuities), personal lines, limited class credit, other limited classes, title (resident only). All classes sit on one license. To transact, the producer must also be employed by or contracted with an insurer or licensed agency.7Training 20 clock hours2Yes1
Business Entity License (insurance agency)Required of corporations, associations, partnerships, LLCs, LLPs and other entities transacting insurance through an Oregon office; sole proprietors need not be licensed. The entity transacts only through affiliated licensed individuals.8–No1

Applies to every license level

These rules are the same for several of the Oregon insurance agent licenses on this page, so they are shown once here, with the licenses they apply to. Each license's own section lists only what differs.

1. Every license level (all 3)

How to apply

Apply online
nipr.com7

Renewal

How often
Every 2 years29
Renewal fee
$60510
Renew online
nipr.com9

2. Every license level except Business Entity License (insurance agency)

What it covers

Sell, solicit or negotiate insurance in Oregon for the classes on the license: life, health, property, casualty, variable life (incl. variable annuities), personal lines, limited class credit, other limited classes, title (resident only). All classes sit on one license. To transact, the producer must also be employed by or contracted with an insurer or licensed agency.7

Renewal

When it expires
Individual licenses expire every other year on the last day of the birth month (first term may be longer to reach the birth month). Renew online through NIPR; notices are e-mailed about 90 days before expiry; residents cannot renew until CE is on the transcript.9
Late renewal
Late renewal fee: $1201 (renewal paid after the due date / reinstatement within 12 months)

3. Every license level except Resident insurance producer license

Requirements

Exam
Not required1

Who needs a Resident insurance producer license

Work that does not need this license:

  • No producer license is required of persons listed in ORS 744.056, e.g. non-commissioned insurer or producer officers/employees doing administrative, underwriting or claims work.1

Other rules on who may do this work:

  • Variable life requires a securities broker-dealer license/registration in Oregon (FINRA Series 6 or 7).7

Requirements for a Resident insurance producer license

More rules for this license are shared with other levels: group 1 and group 2 under Applies to every license level.

Minimum age
18 years old1
Education or training
At least 20 clock hours2
Pre-licensing training of at least 20 hours per class (life, health, property, casualty, personal lines) at a school registered with DFR, covering principles, producer duties and Oregon law; classroom, supervised recorded lecture, or verifiable online self-study. One hour = 50 minutes. Casualty training also covers personal lines.7
Who may teach it: Training must be from a school registered under OAR 836-071-0190 (or an accredited college/university); the school issues a signed certificate of completion that is valid for one year and must be brought to the exam.2
Alternative: Instead of training: 3 years of verifiable unlicensed insurance experience (some within the last 2 years), or 3 years as a licensed resident producer elsewhere (within 2 years), or an insurance degree; listed industry designations (e.g. CIC, ChFC, LUTCF) substitute for 2-3 years of that experience.2
Alternative: No pre-licensing education for CLU holders (life/health) or CPCU holders (property/casualty).3
Exam
Oregon insurance producer examinations (PSI): Life 12-01; Health 12-02; Life and Health 12-03; Property and Casualty 12-04; Property 12-12; Casualty 12-13; Personal Lines 12-14 (each includes Oregon law). No exam for credit, credit life, surety, title or trip travel.3
Given by: PSI (test center or online remote proctoring)7
Passing score: 70 percent2
When you can take it: After completing pre-licensing training (or qualifying by experience): a school certificate of completion is required to register; it expires one year after issue, and the exam must be passed and the application filed before then.3
From August 3, 2026, remote-proctored exams require a smartphone as a second camera.7
Retakes: Retakes are allowed on payment of the reexamination fee ($55 combined / $45 single line).5
Time limit: Within one year of the training certificate date; after that the pre-licensing course must be retaken.3
Exam waived: No exam for limited classes and title; CLU/CPCU holders may be exempt; producers moving to Oregon who apply within 90 days need no exam for lines already held.7
Background check
Background check required4
Fingerprints required4
Residency or citizenship
Must reside in Oregon or maintain a place of business there.1
Social Security number
SSN required on the application; an ITIN may be used if the applicant has no SSN.7
Also required
Supplemental training is required before selling long-term care insurance, flood insurance or annuities (verified by the appointing insurer).6
Also required
An application is void if the license is not granted by the last day of the ninth month after filing.2
Also required
The employing agency must file an Affiliation of Producer within 30 days of hire.7

How much a Resident insurance producer license costs

You pay PSI (3 fees) and PSI or Fieldprint (fingerprint and state background check).

FeeAmountPaid toNotes
Exam fee$555PSIExamination fee: insurance producer, property and casualty insurance or life and health insurance (combined). Combined Life and Health or Property and Casualty exam. Not refundable. Effective September 1, 2026
Exam fee$455PSIExamination fee: single line (property, casualty, personal lines, life or health only). Single-line exam. Not refundable. Effective September 1, 2026
Exam retake fee$555PSICombined exam retake ($45 for a single-line retake). Not refundable. Effective September 1, 2026
Fingerprint and state background check$61.253PSI or Fieldprint–

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

  1. Complete 20 hours of pre-licensing training for each line at a DFR-registered school (or qualify by experience/designation) and get the certificate of completion.7
  2. Register with PSI and pass the exam(s) within a year of the certificate (test center or remote proctored).7 test-takers.psiexams.com7
  3. Have fingerprints taken at an Oregon PSI test center (walk-in) or by appointment with Fieldprint (code FPORDeptConsumerBusServDAS).7
  4. Apply online through NIPR for all lines you passed at once; a second application filed before the first license issues will fail.7 nipr.com7
  5. Print the license from the NAIC State Based Systems site (DFR does not mail licenses) and have your agency file the affiliation.11
Temporary or provisional license
Temporary licenses (up to 180 days, no exam) exist for special cases such as a deceased or disabled producer's spouse or representative, or the designee of a producer entering military service; military spouses duty-stationed in Oregon who hold another state's license may get a temporary Oregon license.7

Renewal and continuing education

Continuing education
At least 24 hours each renewal period6
Required topics
At least 3 hours professional ethics and at least 3 hours Oregon statutes and rules (incl. recent changes); flood sellers need at least 2 hours on flood insurance; no more than 4 hours of agency management; no more than 8 hours credit per day.2
Approved courses
Courses must be approved by the Director; providers have 15 days to post credits, and CE is due by the last day of the renewal month.6
If it expires
A lapsed individual license can be reinstated within 12 months of the renewal due date without re-examination by paying double the unpaid renewal fee and completing all outstanding CE; the reinstatement is effective when granted.1

Renewal planner

Enter the expiration date printed on your Oregon Resident insurance producer license. The count is worked out on your device from today's date; nothing is sent anywhere.

Moving to Oregon with a license from another state

These are the routes DFR publishes for the Resident insurance producer license. The other insurance agent licenses have their own routes in their sections below.

Route
Exam waiver
What the board says
Producers moving to Oregon: surrender (or convert) the prior resident license, then apply on NIPR within 90 days; no exam or pre-licensing training for lines already held, but fingerprints are required.7
Conditions
The prior state must certify good standing at termination, or the NAIC Producer Database must show it.1
Route
Military service members and spouses
What the board says
Spouses of service members duty-stationed in Oregon who hold a current insurance license in another state may get a temporary Oregon license (contact DFR).7

Nonresident insurance producer license

Requirements

Background check
Background check required4
No fingerprints required4
Fitness determination case by case; 1033 consent needed for felonies of dishonesty or breach of trust.4
Residency or citizenship
For residents of other states whose home state licenses Oregon residents on the same basis; a letter of certification is needed if not shown active on the NAIC Producer Database.1
Also required
Nonresidents may act only as appointed representatives of an insurer; brokering is not permitted in Oregon.3

How to apply

  1. Hold an active resident producer license in your home state (get a certification letter if the NAIC database does not show it as active).7
  2. Apply online through NIPR and pay the fees (plus NIPR processing fee).7 nipr.com7

From another state

Route
Reciprocity agreements
What the board says
Nonresident license for producers in good standing in a home state that licenses Oregon residents on the same basis; other requirements waived.1
States on Oregon's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.
Conditions
Residents of Canada, Mexico or a state that does not reciprocate can be licensed if their regulator treats Oregon residents reasonably, but must pass an Oregon-specified exam.1

More rules for this license are shared with other levels: group 1, group 2 and group 3 under Applies to every license level.

Business Entity License

Required of corporations, associations, partnerships, LLCs, LLPs and other entities transacting insurance through an Oregon office; sole proprietors need not be licensed. The entity transacts only through affiliated licensed individuals.8

Requirements

Business requirements
Register with the Oregon Secretary of State Corporation Division before applying.8
Business requirements
Identify all owners with 10% or more, partners, officers and directors ("designations") and keep them current.7
Business requirements
File an Affiliation of Producer form within 30 days; report branch offices.8

How to apply

  1. Register the business with the Oregon Secretary of State.8
  2. Apply for the agency license on NIPR.8 nipr.com7
  3. File the Affiliation of Producer form for each licensed individual within 30 days.8

Renewal

When it expires
Agency licenses expire every two years on the last day of the month in which first issued; renew on NIPR.12
Late renewal
Late renewal fee: $12010

From another state

Route
Reciprocity agreements
What the board says
Nonresident entities need a nonresident business entity license for their home-state principal location before transacting in Oregon; offices in other states apply separately.3
States on Oregon's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.

More rules for this license are shared with other levels: group 1 and group 3 under Applies to every license level.

Check a license or report a problem

Before you hire an insurance agent in Oregon, you can confirm the license is current on the board's own search. Every board we cover in Oregon is on the Oregon license lookup page.

File a complaint
dfr.oregon.gov14

Laws and rules

The requirements above come from these laws and board rules.

Common questions

How long does it take to get a Resident insurance producer license in Oregon?

The rules set at least 20 clock hours2 before you can be licensed. The board does not publish how long it takes to process an application.

Can I transfer my insurance agent license to Oregon?

DFR publishes this route for the Resident insurance producer license: exam waiver7. Conditions and forms.

How often do you renew a Resident insurance producer license in Oregon?

Every 2 years2. Continuing education: at least 24 hours6. The renewal fee is $605.

Insurance agent licenses in other states

Sources

Every number and rule above links to one of these official pages. Select a footnote number to read the board's own words.

  1. ORS chapter 744 (2023 Edition) - Insurance Producers;... Limited LicensesOregon Legislature (Legislative Counsel)Checked November 7, 2026
  2. OAR chapter 836, division 71 - Licensing of producers, adjusters, consultants (Oregon Administrative Rules…Oregon Secretary of State, Administrative RulesChecked November 7, 2026
  3. Oregon Insurance Candidate Information Bulletin (PSI, hosted by DFR)Oregon Division of Financial RegulationDated August 5, 2025Checked November 7, 2026
  4. Fingerprint and background informationOregon Division of Financial RegulationChecked November 7, 2026
  5. OAR chapter 836, division 9 - Fees (Oregon Administrative Rules Database)Oregon Secretary of State, Administrative RulesDated September 1, 2026Checked November 8, 2026
  6. Continuing education requirements and registered proctorsOregon Division of Financial RegulationChecked November 7, 2026
  7. Producer licensingOregon Division of Financial RegulationChecked November 7, 2026
  8. Insurance agenciesOregon Division of Financial RegulationChecked November 7, 2026
  9. Renew a licenseOregon Division of Financial RegulationChecked November 7, 2026
  10. Fees and formsOregon Division of Financial RegulationChecked November 7, 2026
  11. Common agent questionsOregon Division of Financial RegulationChecked November 7, 2026
  12. Helpful hintsOregon Division of Financial RegulationChecked November 7, 2026
  13. Check a licenseOregon Division of Financial RegulationChecked November 7, 2026
  14. File a complaintOregon Division of Financial RegulationChecked November 7, 2026