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Licensing
Off-premises collection needs license
We have become aware of a practice by a life insurance agency of letting paramedics pick up insurance premiums. Under this marketing program, the agency does mailings, then has paramedics get the policy signed and collect the premium. Is this legal?
National Insurance Producer Registry—license renewal
I’m an agency owner and listed as the responsible producer for my agency, and hold a valid property/casualty license. Why won’t the National Insurance Producer Registry website let me renew the agency license?
Payment of commissions
Whose responsibility is it to make sure that an agent is properly licensed to receive commission?
Limited insurance representatives
What does the New Jersey limited-lines authority include?
Personal bankruptcies
If a producer has filed for a personal bankruptcy, will this affect the renewal of the producer’s license?
Background checks
We have a company asking us to sign an authorization to do a criminal background check. The company says it is required by law to do them. Further, they said all companies are supposed to do these checks. To what law are they referring?
Florida licensing requirements
I plan on moving to Florida but would like to stay active selling insurance. What do I need to do to become licensed there?
Branch offices in various states
If I must give up my New York and New Jersey resident licenses, how can I have branch or home offices in the three [Florida] states?
Licensing exemptions when writing a multistate risk
Do I need to be licensed in every state where one of my commercial clients has a location? I am licensed and write the policy where the company has its headquarters.
Signatures—agency employees
Is it permissible for our licensed employees to sign insurance applications on behalf of the agency?
Florida nonresident—receiving commissions
We have a producer in our office who is licensed in Florida as a nonresident. One of this producer’s clients is asking our agency to write a residential property in Florida. Our agency does NOT hold a Florida nonresident license. If we wanted to write the business and get a commission, would the agency need to have a Florida nonresident license?
Pennsylvania nonresident licensing
I’m a New Jersey producer and have a Pennsylvania nonresident individual producer’s license. I’d like to open an office in Pennsylvania. What do I have to do?
Soliciting door to door
I understood that my agent/broker/producer license gives me the authority to sell, negotiate and solicit insurance across my entire state. However, I was going door-to-door leaving advertising door hangers and was stopped by a law-enforcement officer and was told I could not solicit in that town/city/village, or at least not without a permit. I also was kicked out of a condominium complex where a “no soliciting” sign was posted. Can a village or a condo board really overrule the Insurance Department? Who has the final say in where I can or cannot solicit?
Licensing for Canada
What steps must I take to become licensed to sell insurance in Canada?
Licensee moving to New Jersey
I’m a New York-resident producer who also holds a nonresident producer license in New Jersey. I’m going to move to New Jersey and wish to obtain a resident producer license. Will I have to start from scratch with education or is there some sort of reciprocity?
Nonresident licensing—Hawaii
I work for an agency that operates under a business-entity license. I have the opportunity to handle an account in Hawaii, and need to know if I can do so under an individual nonresident license, or if the agency needs to obtain nonresident licensure.
Pre-licensing—attorney exemption
We are a New Jersey property/casualty agency and are looking to hire someone who has a law license. Because of her education, she is exempt from the pre-licensing requirements, right?
Potential licensee—DWI conviction
We are looking to hire someone, send them to licensing school and, eventually, have them work for us as a producer. However, this prospective producer was previously convicted of a Driving With Intoxicated, and we are concerned that we would find that he is barred from licensure after spending the requisite time and money getting him trained. Is this a problem?
Do employees need to be licensed if the agency has a nonresident license?
Our firm has several nonresident licenses in our business name. The partners have corresponding personal nonresident licenses. Would there be any need for our employees to also have nonresident licenses?
License suspended or revoked
When a New Jersey licensee has his or her license revoked or suspended, obviously he or she cannot engage in any work that requires licensure. However, may such a person work in an agency doing tasks that do not require licensure? May they work as an independent contractor or consultant offering guidance to an agency?
Producer licensing—sealed criminal records
We are in the process of getting a new employee licensed. This employee has told us that he had a criminal record but that the record of this offense was expunged. How do we answer the question on the licensing application as to whether this person has a criminal record?
Changing name on insurance license
I’ve just had my divorce finalized and need to change my name on my insurance license back to my maiden name. How do I go about this process?
Branch offices
I am opening a satellite office with a small 10x10 office space with one employee. Is this considered a branch office and do I need to notify the New Jersey Department of Banking and Insurance?
Citizenship requirements for licensing
Can a noncitizen be an insurance agent?