Life Insurance License

Life License: What You Need to Know


Life insurance agents enjoy the varied benefits that come from a flexible and financially rewarding career, but for those interested in pursuing this profession it can be difficult to know where to begin. With that in mind, we offer this brief overview of several topics about life insurance licenses—what they are and how to get one.


What Kinds of Policies Can Life Insurance Agents Sell?


This kind of insurance encompasses a number of subtypes, including the following:



What Is a Life Insurance License?


In brief, a life insurance license gives an individual the right to sell life insurance to the public.


Who Needs to Carry a Life Insurance License?


At present, every state in the U.S. requires life insurance agents to carry a valid license. Without one, you will not be able to work as an agent for a life insurance company.


Requirements for a Life Insurance License



What Do You Have to Do to Maintain a Valid License?


Aside from fulfilling any continuing education requirements, you will also be expected to conform to the applicable Codes of Conduct that govern professional behavior in your state. Independent agents may also have to pay for Errors and Omissions (E&O) insurance.




How Often Do I Have to Renew It?


You should expect to renew your license every two years. Bear in mind that you may have to do more than merely pay a fee, as continuing education requirements, if any, generally must be fulfilled prior to renewal. Often, captive insurance agents have all their fees paid for them by the company that employs them.


How Do I Study for the Exam?


America’s Professor is here to help you. We have a wide range of state-specific study materials that you can use to prepare.


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