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 |
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.
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.