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Accident & Health

Licensing and Appointment Requirements

As an industry leader with more than 50 years of experience providing A&H solutions, AIG is firmly committed to working with our business partners to ensure principled corporate governance. It is imperative that our collective business practices are in compliance with applicable state and federal insurance laws and regulations that may impact you and your clients. 

To that end, we want to ensure that all individual and entity producers (agents and brokers) who market or sell our products are appropriately licensed in their resident state, as well as the states in which their policyholders reside, and are properly appointed with us where required. 

As an insurance producer, it is your responsibility to know and comply with the laws and regulations of the states in which you do insurance business.

More Information

The following chart describes the license requirements for entities and individuals, for producers and sub-producers, and type of license required.1

State Who Needs a License What Type of License
Alabama Entity and Individuals P&C or A&H authority
Alaska Entity and Individuals A&H (Health) authority
Arizona Entity and Individuals A&H authority
Arkansas Entity and Individuals A&H authority
California Entity and Individuals A&H authority
Colorado Entity and Individuals A&H authority
Connecticut Entity and Individuals A&H authority
Delaware Entity and Individuals A&H authority
District of Columbia Entity and Individuals P&C or A&H authority
Florida Entity and Individuals P&C or A&H (Health) authority
Georgia Entity and Individuals P&C or A&H (A&S) authority
Hawaii Entity and Individuals A&H authority
Idaho Entity and Individuals A&H (Disability) authority
Illinois Entity and Individuals A&H authority
Indiana Entity and Individuals A&H authority
Iowa Individuals A&H authority
Kansas Entity and Individuals A&H authority
Kentucky Entity and Individuals P&C or A&H authority
Louisiana Entity and Individuals A&H authority
Maine Entity and Individuals A&H authority
Maryland Entity and Individuals A&H (Health) authority
Massachusetts Entity and Individuals A&H authority
Michigan Entity and Individuals A&H authority
Minnesota Entity and Individuals A&H authority
Mississippi Entity and Individuals A&H authority
Missouri Entity and Individuals A&H authority
Montana Entity and Individuals A&H (Disability) authority
Nebraska Entity and Individuals A&H authority
Nevada Entity and Individuals A&H authority
New Hampshire Entity and Individuals A&H authority
New Jersey Entity and Individuals A&H authority
New Mexico Entity and Individuals P&C or A&H authority
New York Entity and Individuals P&C or A&H authority
North Carolina Entity and Individuals A&H authority
North Dakota Entity and Individuals A&H authority
Ohio Entity and Individuals A&H authority
Oklahoma Entity and Individuals A&H authority
Oregon Entity and Individuals A&H (Health) authority
Pennsylvania Entity and Individuals A&H authority
Rhode Island Individuals P&C or A&H authority
South Carolina Entity and Individuals A&H authority
South Dakota Entity and Individuals A&H authority
Tennessee Individuals A&H authority
Texas Entity and Individuals P&C or General Life, Accident & Health authority
Utah Entity and Individuals A&H authority
Vermont Individuals A&H authority
Virginia Entity and Individuals A&H (Health) authority
Washington Entity and Individuals A&H (Disability) authority
West Virginia Entity and Individuals A&H authority
Wisconsin Individuals A&H authority
Wyoming Entity and Individuals A&H authority

For this chart, the underwriting company is considered to be National Union Fire Insurance Company of Pittsburgh, Pa., a property and casualty insurer.

The following chart describes the appointment requirements for producers, by state. Currently: (a) 28 states require appointment of all producers, whether broker or agent; (b) four states do not require any appointment at all; and (c) 19 jurisdictions will require a case-by-case analysis to determine whether a producer will be deemed in that jurisdiction to be an agent subject to appointment requirements, even if the insurer or producer believes the producer to be a broker.  In the chart, an “X” indicates that an appointment is required.  No text in the box indicates that an appointment is not required.  Jurisdictions requiring an analysis contain a notation to this effect.

State Agencies 
(includes entities and individual agents)
Brokerages 
(includes entities and individual agents)
Individual Employees of Agencies or Brokerages Required to be Appointed
Alabama X X X
Alaska X* Requires case-by-case analysis to determine if jurisdiction will deem an Agent*  
Arizona      
Arkansas X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
California X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
Colorado      
Connecticut X X
Delaware X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only)
District of Columbia X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
Florida X (individual only) X (individual only) X
Georgia X (individual only) X (individual only) X
Hawaii X X X
Idaho X  
Illinois      
Indiana X* X* X*
Iowa X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) X
Kansas X X  
Kentucky X X  
Louisiana X X  
Maine X X X
Maryland X* X* X*
Massachusetts X X  
Michigan X X X
Minnesota X (individual only) X (individual only) X
Mississippi X (individual only) X (individual only) X
Missouri X* Requires case-by-case analysis to determine if jurisdiction will deem an Agent*  
Montana X X  
Nebraska X (individual only) X (individual only) X
Nevada X X  
New Hampshire X X X
New Jersey X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
New Mexico X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) X
New York X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
North Carolina X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) X
North Dakota X Requires case-by-case analysis to determine if jurisdiction will deem an Agent X
Ohio X X X
Oklahoma X Requires case-by-case analysis to determine if jurisdiction will deem an Agent X
Oregon X* X*  
Pennsylvania X Requires case-by-case analysis to determine if jurisdiction will deem an Agent X
Rhode Island      
South Carolina X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) X
South Dakota X X X
Tennessee X (individual only) X (individual only) X
Texas X  
Utah X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
Vermont X (individual only) Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) X
Virginia X  X X
Washington X Requires case-by-case analysis to determine if jurisdiction will deem an Agent  
West Virginia X (individual only) X (individual only) X
Wisconsin X (individual only) X (individual only) X
Wyoming X Requires case-by-case analysis to determine if jurisdict'ion will deem an Agent X

*Appointment maintained by insurance company; no state filing required.

The materials presented on this web page are for informational purposes only. The materials presented are not for the purpose of providing legal advice. You should contact your attorney to obtain advice regarding any issue or question.