Accident & Health Licensing and Appointment Requirements

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

¹ 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.

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