Accident & Health Licensing and Appointment Requirements
Licensing and Appointment Requirements
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 |
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.
| 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 | X |
| Delaware | X (individual only) | Requires case-by-case analysis to determine if jurisdiction will deem an Agent (individual only) | X |
| 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 | 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 | 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.