Insurance Agent in Tennessee
Requirements, salary data, licensing costs, and career ROI for TN
How to Become an Insurance Agent in Tennessee
To become a licensed Insurance Agent in Tennessee, individuals must be at least 18 years old and pass the Tennessee Insurance Producer Licensing Exam. While pre-licensing education is not legally mandated for most lines, it is strongly recommended, with 20 hours per line of authority being typical for major lines and 30 hours required for a title insurance line. After passing the exam, applicants must submit fingerprints for a background check and then apply for the license through the Tennessee Department of Commerce & Insurance via NIPR. The license renews every two years, requiring 24 hours of continuing education, including 3 hours of ethics.
Insurance Agent Requirements in Tennessee
| Detail | Tennessee |
|---|---|
| Licensing Body | Tennessee Department of Commerce & Insurance |
| State License Required | Yes |
| Education | While not legally required, pre-licensing education is highly recommended. For a title insurance line of authority, 30 hours of pre-licensing study through an approved provider is required. For other major lines of authority (Life, Accident and Health, Property, Casualty), quality courses typically run around 20 hours per line. |
| Exam | Tennessee Insurance Producer Licensing Exam ($55) |
| Application Fee | $50 |
| Renewal | Every 2.0 years |
| Continuing Education | 24.0 hours per cycle |
| Notes | Minimum age is 18. Requires fingerprinting and a background check. CE requirements include 3 hours of ethics. Excess CE hours (up to 12) may be carried over to the next renewal cycle as general credits. License renewal is biennial, based on the licensee's birth month and year of first license issuance. Specific training is required for selling annuities (one-time 4-hour course, or 1-hour update for those licensed before Jan 1, 2024), long-term care (initial 8-hour course, then 4 hours every 24 months), and flood insurance (one-time 3-hour course). |
Insurance Agent Salary in Tennessee
The median insurance agent salary in Tennessee is $49,130 per year, which is 18.6% below the national median of $60,370.
| Percentile | Annual Salary |
|---|---|
| 10th (entry level) | $31,860 |
| 25th | $38,390 |
| 50th (median) | $49,130 |
| 75th | $75,280 |
| 90th (experienced) | $104,440 |
Tennessee employs approximately 8,650 insurance agents.
Insurance Agent Job Outlook
AI Impact on Insurance Agents
High AI Exposure (Score: 1.34/1.00)
Many tasks in this career are susceptible to AI automation. Long-term career planning should account for potential disruption.
Is Becoming an Insurance Agent in Tennessee Worth It?
Factors to consider: Tennessee's cost of living, the state licensing requirement, moderate job growth, elevated AI disruption risk, and your personal career goals.