State Regulations – Life & Health Insurance License Exam

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To ensure that only qualified individuals sell insurance, protecting consumers from fraud, misrepresentation, and incompetence.

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A nonresident producer license allows a producer licensed in one state to sell insurance in another state without becoming a resident there; it is required when soliciting or selling policies in a state where the producer does not reside.

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Most states require 24 credit hours of continuing education per renewal period (typically two years), including a specified number of hours in ethics.

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A temporary license allows someone to conduct limited insurance transactions for a short period (usually 180 days) without passing the full licensing exam; it is commonly issued to the surviving spouse or personal representative of a deceased producer to service existing clients.

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License suspension or revocation can result from actions such as misrepresentation, fraud, misappropriation of premiums, or violating any insurance law or regulation.