Those who want to obtain a career in the insurance business need to first obtain a property and casualty license. This is absolutely necessary to sell auto, homeowners, commercial and liability insurance. The students first must find out the licensing standards in the particular state the student resides in. Each state is different. There are required pre-licensing education courses that are state-approved. Depending on the state, the course may be either in a classroom or by self-study. Once the exam is passed, the license application may be completed.