Confirm your state’s path
Start with the life-insurance licensing requirements for your resident state. Confirm education, exam, application, and any fingerprint or background requirements before paying for a course.
Review state requirementsYour first move.
A clear path forward.
You do not need to arrive knowing the industry. You need a plan for learning it. Start with the requirements, complete the right steps, and build readiness before your first sale.
Apply to CenturyFROM STARTING POINT TO SELLING READINESS
Know the next step—and what finishes it.
Progress depends on your state, application review, and carrier requirements. This roadmap organizes the process; it does not promise a fixed completion date.
Study with a plan
If prelicensing education is required, complete the approved course and make practice exams part of your routine. Century’s XCEL registration link is available below; confirm your course selection with your manager.
Open Century’s XCEL registrationPass the required exam
Use your state’s approved exam provider. Check identification, scheduling, testing format, fees, and retake rules directly with the provider. Remote testing availability varies.
Find your state’s licensing informationApply and verify approval
Submit your license application and complete any required background steps. Track the application, respond to requests, and verify the active license and your National Producer Number.
Apply through NIPRComplete carrier contracting
Prepare your NPN, active license information, E&O coverage, and the information requested by the secure contracting provider. Complete required AML and product training. Your manager helps you identify outstanding requirements.
Build readiness for your first case
Work through the Century Academy, practice the conversation, learn how to collect underwriting information, and review your first-case workflow with your manager. Set up your account and understand your written compensation schedule.
ALREADY LICENSED?
Build on the work you’ve already done.
Your conversation starts with your current license, experience, and contracts. We identify the gaps instead of treating everyone as a first-time applicant.
Active resident license and National Producer Number
States where you currently hold authority
Existing carrier appointments and contracting relationships
Current E&O coverage and product-training status
Your production goals and the support you are looking for
Apply as a licensed brokerPREPARE BEFORE YOU COMMIT
Plan for the practical side.
Your budget
Review course, examination, application, fingerprinting where required, and E&O costs. Include ongoing business expenses and any additional state licenses in your planning.
Your schedule
Set aside consistent study time, practice the conversation, and attend relevant training. Build your timeline around actual exam and approval availability.
Your documents
Keep legal-name, licensing, and contracting information consistent. Use the secure contracting provider for sensitive personal or banking information.
Current licensing guidance: NIPR state requirements and your state department of insurance.
A CLEARER PICTURE
Before you start licensing.
Understand the business before you take the next step.
YOUR NEXT CHAPTER
Build with a clear next step.
Tell us where you are today. We’ll talk through the path that fits your experience and goals.
Apply to CenturyReviewed personally by Alfonso Maldonado