How do I Get an Insurance License?
First, you would need to determine what type
of insurance license you would like to have. Would you like to
sell Life, Accident, & Health insurance policies or Property &
Casualty insurance policies?
Becoming licensed in the Life, Accident & Health insurance field
would allow an agent to sell many types of life insurance,
disability policies, and heath insurance policies among
other types of financial products.
A Property & Casualty insurance license would allow an agent
to sell policies to cover homes, automobiles, commercial property, flood insurance, jewelry, professional liability coverage, watercrafts, RVs, and more.
The requirements to become an Insurance Agent vary from
state to state however, some of the general rules apply in
most all states.
Some of the requirements are:
Many states require that you
attend and pass a
Life, Accident & Health pre licensing course OR a Property & Casualty pre licensing course to become
certified to sit for the state insurance exam. Other states
allow students to purchase a textbook course and study on
their own before taking the state insurance exam. And still
others have no pre licensing education requirement at all.
view the training courses on our website, and click your
state, a link to your state's requirements comes up. This
should help to further clarify the requirements for a
license in your state.
Additional requirements are that an agent must not write
"controlled business" on himself, his relatives or employees
only, and shall be trustworthy and competent. This requirement
is to ensure that a person does not acquire an insurance license
for the sole purpose of insuring himself and his family.
An insurance agent represents the insurer (insurance company)
and must not place any business with any insurer not admitted to
do business in the state.
An agent may not accept business from a broker or agent who is
not licensed in the state.
To become licensed in a state other than the state where the
agent resides, he/she must apply for a "non-resident agent"
license. All non-resident licensees must first have a resident
license in his or her home state before a non-resident license
will be issued.
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