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Alaska Division of Insurance (DOI) P&C Guide

Alaska Property & Casualty Insurance Exam 2026

Everything you need to know about getting your Alaska Property & Casualty Producer license — from licensing requirements to Pearson VUE exam structure, automobile and homeowners coverages, Alaska Title 21 and 3 AAC 26 Fair Claims Settlement rules, and passing on your first attempt.

Updated for 2026 Pearson VUE Alaska Outline|commerce.alaska.gov/web/ins

Minimum Age

18

years old

Passing Score

70%

correct answers

Exam Fee

$89

Pearson VUE

Mandatory Auto

50/100/25

statutory limits

What This License Is

An Alaska Property & Casualty (P&C) Producer license authorizes you to solicit, negotiate, and sell insurance policies covering personal and commercial property, liability risks, motor vehicles, business packages, and statutory workers' compensation across the State of Alaska.

The license is regulated and issued by the Alaska Division of Insurance (DOI), a division of the Department of Commerce, Community, and Economic Development (DCCED).

Eligibility Requirements

To be eligible for an Alaska Property & Casualty producer license under AS 21.27, you must:

  • Be at least 18 years of age.
  • Be a resident of Alaska (for a resident producer license).
  • Pass the Alaska Property & Casualty insurance examination administered by Pearson VUE.
  • Submit electronic fingerprints for state and FBI criminal background checks.
  • Submit the formal application via NIPR and pay the state licensing fee ($100).

Pre-Licensing Education

Alaska does not mandate classroom pre-licensing education hours. Under AS 21.27, candidates may take the state licensing examination through self-study or preparatory courses.

Recommended Preparation

Because Alaska tests both extensive national P&C policy forms (HO, PAP, CGL, BOP, Workers' Comp) and specific Alaska Title 21 statutes (50/100/25 auto limits, 10/15/30-day claims rules, cancellation notices), taking a comprehensive practice exam course is strongly recommended.

Fingerprinting & Background Checks

All resident producer applicants must be fingerprinted for state and FBI criminal history record checks. Fingerprinting can be scheduled through authorized digital fingerprinting centers (such as IdentoGO) or submitted via standard FBI FD-258 fingerprint cards.

The fingerprint processing fee is approximately $59.25 paid at the time of fingerprint capture.

P&C License Options

Combined Property & Casualty

Most candidates choose the combined examination to write both property and casualty lines under one comprehensive license.

150 Questions | 2 hours 30 min

Passing score: 70%

Single-Line Options

Alaska also offers separate single-line exams for Property-only or Casualty-only licensing.

75 Questions | 1 hour 45 min each

Passing score: 70%

Exam Content & Key Topics

The Alaska Property & Casualty exam tests national insurance concepts as well as Alaska state-specific statutes:

General Insurance & Contract Principles

Indemnity, insurable interest, utmost good faith, adhesion contracts, warranties vs representations, risk management.

Property Basics, Dwelling & Homeowners Forms

DP-1, DP-2, DP-3; HO-2, HO-3, HO-4, HO-5, HO-6, HO-8; Coverages A-D, open vs named perils, coinsurance formulas, ACV vs Replacement Cost.

Personal Auto Policy (PAP) & Alaska Auto Laws

Coverages A-D, mandatory Alaska 50/100/25 liability limits, UM/UIM rejection rules, Alaska Automobile Insurance Plan.

Commercial Lines (CPP, CGL & BOP)

Commercial General Liability occurrence vs claims-made forms, retroactive dates, ERP/tail coverage, businessowners eligibility.

Workers' Compensation & Employers Liability

Alaska Workers' Compensation Act (AS 23.30), compulsory coverage at 1+ employees, 30-day injury notice, exclusive remedy doctrine.

Alaska Title 21 Insurance Code & Ethics

Director powers, examinations every 5 years, 3 AAC 26 Fair Claims timelines (10/15/30 working days), 45-day nonrenewal notice, AIGA ($500K cap).

Scheduling with Pearson VUE

The Alaska insurance exam is administered by Pearson VUE. Candidates can schedule examinations online at pearsonvue.com/ak/insurance or by calling Pearson VUE customer support.

Examinations are offered at Pearson VUE testing centers in Anchorage, Fairbanks, Juneau, and other regional locations, as well as via OnVUE remote proctored testing online.

Fee Breakdown

ItemCostPaid To
Exam Fee (Combined P&C)$89Pearson VUE
Fingerprinting & Background Check~$59.25IdentoGO / Vendor
Alaska Producer License Application$100NIPR / Alaska DOI

Exam Day Rules

Arrive at the testing center at least 30 minutes before your scheduled appointment. You must bring:

  • One government-issued photo ID (driver's license, passport, or military ID) with matching signature.
  • No personal belongings, smartwatches, or phones are allowed inside the testing room.

Passing Score & Retakes

You need a score of 70% to pass the Alaska Property & Casualty examination. Your results are provided immediately upon completing the exam at the testing center.

If you do not pass on your first attempt, you may reschedule after a 24-hour waiting period. Each retake requires paying the full exam fee of $89. You will receive a diagnostic score report showing your performance across each exam domain to guide your study before re-testing.

Applying for Your License via NIPR

After passing your examination and completing fingerprinting, submit your resident producer license application electronically through the National Insurance Producer Registry at nipr.com.

The Alaska Division of Insurance will review your application and background check. Most electronic applications are approved within 3 to 7 business days.

Continuing Education Requirements

Alaska producer licenses renew every two years on the licensee's birth month. To maintain an active Property & Casualty license under AS 21.27, you must complete:

  • 24 hours of approved continuing education (CE) credits every 2-year renewal period.
  • At least 3 hours must be in approved Insurance Ethics courses.
  • Maintain all transaction and policy records for at least 5 years.

P&C Study Strategy

1

Master Core Policy Provisions & Deductibles

Study HO-2 through HO-8 policy forms, PAP coverages A-D, CGL claims-made vs occurrence, and coinsurance calculations.

2

Memorize Alaska Specific Numbers

50/100/25 mandatory auto limits, 10-day acknowledgment, 15-day claim decision upon proof of loss, 30-day payment, 45-day property nonrenewal notice, and $500K AIGA guaranty cap.

3

Practice with Realistic Scenario Questions

Take timed practice exams to simulate Pearson VUE test conditions and ensure consistent 80%+ scores before test day.

Prepare for the 2026 Alaska P&C Exam

Practice with 899 exam-like questions covering Alaska Title 21 laws, 50/100/25 auto limits, homeowners policies, CGL, and workers' compensation.