What Should I Do after Passing My Insurance Agent Exam?

Congratulations! You’ve passed your insurance agent exam, and are ready to get your new career as an insurance agent started. Just because you’ve passed your exam, however, doesn’t mean that you’re a licensed insurance agent yet. There are several steps that need to be taken before you can legally sell insurance in your state. In this article we’ll go over a brief outline of the steps that come next.

Insurance agent exam

Minimum Requirements

When attempting to become an insurance agent, it’s important to consult the guidelines provided by your state’s Department of Insurance. Each state’s exact licensing requirements are different, but any prospective insurance agent can expect there to be minimum requirements that need to be met. These requirements can include the minimum number of hours of class time that need to be taken before applying to take the insurance agent exam and the steps that need to be taken for a license to be issued by the state Insurance Commissioner’s office.

After the Exam

Once a person has passed their state’s insurance license exam, they are free to apply for an insurance license. Generally the exam’s pass results page, handed to successful test takers when leaving the test center, will have the exact steps to take to apply for a license. Most test providers (e.g., Pearson VUE, PSI Exams, Prometric, etc) will also have a Candidate Handbook or License Information Bulletin that highlights the steps and required forms to be submitted. In order to start selling insurance as quickly is possible, newly approved insurance agents should apply for their license as soon as they can. In order to do so, they’ll need to follow the steps below.

Obtaining a Bond

Some states require new insurance agents (especially independent agents who are not employed by an agency) to take out a bond in favor of the people of the state in which they sell insurance. By requiring independent agents to become bonded by a financial institution, the state is ensuring that it will be able to recoup money in case of fraudulent practices or other damages caused by the insurance agent. If your state requires you to take out a bond, you will need to provide the state insurance office with proof that the bond has been obtained.

Insurance agent exam tips

Registering with the State

As is customary with state licenses, insurance license applicants should expect to provide the state insurance office with identifying information, such as their social security number, photo identification, and fingerprints. The exact requirements for providing personal information vary by state, but it is common practice for states to collect this information from licensed professionals so that they can verify their identity, check their criminal records, and keep pertinent information on the licensed individual available for future reference.

To make sure that you are following the correct insurance agent licensing procedure, be sure to consult your state’s official guidelines. Following these guidelines as closely as possible will help make sure your application is processed as quickly as possible.

Before you can apply for a license, you need to study for your insurance agent exam! Contact America’s Professor today to learn more about our online insurance training program, taught by industry veterans with decades of experience. We can be reached at 800-870-3130.

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Jose Medina
Jose Medina
2 years ago

After getting my license, Can I open my own office on my own and sell policies? Is this a common way to start? Also, what is the price (percentage) rate that companies pay for each policy sold? Thank You!

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Jose Medina

Hello Jose, This is a pretty common question we get. It is NOT common for someone to get their license and open up their own agency right away. Most insurance carriers are looking for Agents/Producers with experience before they appoint someone to represent and sell their policies/products. There’s usually also a very large liquid asset requirement (~ $1.5M) if you are opening your own independent agency. You can check with your department of insurance to see what the Agency license requirements are for your state. Usually we see new Agents/Producers go to work with an insurance agency for a while… Read more »

Iman
Iman
2 years ago

Jose, The reply above and the facts/information given are actually not true at all; atleast not within our Insurance company. I am located in California. Feel free to reach out to me anytime and i will be more than happy to assist you with this and answer any questions you may have. (408)689-2193

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Iman

Hello Iman, I must respectfully disagree with you. For the 10K-15K students we talk to a year, the vast majority of them are not getting their own insurance license and immediately starting their own agency. They barely know what Carriers are much less how to get in touch with one. Everyone typically wants experience before they invest in a person. Now, I will say there are some Captive Agency opportunities out there for you to open your own agency but in our experience, rarely does that happen immediately. We’ve seen Agents go the Captive route and have to show ~$50K… Read more »

Dianna L. Keith
Dianna L. Keith
1 year ago

So true! I was a captive agent and had to work my way up to district Manager then Regional to own your own business.

Marc Knight
Marc Knight
10 months ago

Can you share more with me about Captive

Leslie Wilson
Leslie Wilson
7 months ago
Reply to  Marc Knight

Marc, did you ever get an answer about Captive agents? captive agents are limited in the products they can offer and usually will lose residuals if you leave the company. Non-captive, i have found to be better for clients because you can offer multiple products/carriers and I own my book of business (not my company) so as long as the business is on the books, I will receive residual income. I started dual career, completely unlicensed and inexperienced. Today (I’ve been with my company 5 years) I am at the highest commission level and have a large organization. I’d be… Read more »

Anthony Brownell
Anthony Brownell
6 months ago
Reply to  Marc Knight

Hi Marc I do need some insight on startup non-captive can you reach out to me please. thanks

Rhonda
Rhonda
1 year ago
Reply to  Jose Medina

I was blessed with a great opportunity with one of the largest financial companies in North America we also sell Term Life Insurance and so much more it’s one of the best decisions I have made in my entire life.
I will be more than happy to show you what i am doing now.

felicia
felicia
1 year ago
Reply to  Rhonda

Send me the info. Please

Jamie McQuiston
Jamie McQuiston
1 year ago
Reply to  felicia

Join The PHP Agency. I’ll be happy to discuss our family!

Blair Payton
Blair Payton
11 months ago

what is PHP agency. blairpayton@yahoo.com, please send me information !!!!

Marc Knight
Marc Knight
10 months ago

What is PHP? can you share more via email?

Lesia Wordlow
Lesia Wordlow
1 year ago
Reply to  felicia

I am also interest

Tim Puckett
Tim Puckett
1 year ago
Reply to  Rhonda

Yes mo

Kristi
Kristi
1 year ago
Reply to  Tim Puckett

Hi Tim, if you are still looking for an oppertunity, I work with a broker that helps you get contracted with carriers and helps you with your own agency. Reply to this message if you are still looking.

Tammy S Lowe
Tammy S Lowe
1 year ago
Reply to  Kristi

I have my license, I started some pretty rigorous training with a company but the trainer was not a very good one. So I’m kind of looking for where to go next.

Last edited 1 year ago by Tammy S Lowe
Kristi
Kristi
1 year ago
Reply to  Tammy S Lowe

Hi Tammy, I work with National Agents Alliance and they are very good with training. Everything to get started is online, then they have training 3 times perweek via zoom. Let me know if you would like more info. I can schedule you a call with my manager.

Kimberly Coleman
Kimberly Coleman
7 months ago
Reply to  Kristi

More info

Ashley
Ashley
7 months ago
Reply to  Kristi

Is this still happening? I was also with a company that worked a lot like a pyramid scheme… I have ZERO skills after putting an entire year of my life into getting this license.

Kristi
Kristi
1 year ago
Reply to  Tammy S Lowe

Please email me kp775kp@gmail.com

Gary
Gary
9 months ago
Reply to  Tammy S Lowe

Hi Tammy! Let me know if you’re still looking. I might be able to help you.

Shaindy Schmahl
Shaindy Schmahl
1 year ago
Reply to  Kristi

Hi,
I am interested to hear more details about this,
Thanks

Audrey
Audrey
1 year ago
Reply to  Kristi

Hi! I’m a insurance agent! I’ve been licensed about 6 months! Worked for Delta Life for 3 months, leased a office, trying to figure out how to get a broker to help me get started with selling insurance for myself

Kristi
Kristi
1 year ago
Reply to  Audrey

Hi Audry, you should email me kp775kp@gmail.com

Gary
Gary
9 months ago
Reply to  Audrey

Hi Audrey! Did you find out what you were looking for or do you still need help?

Blair Payton
Blair Payton
11 months ago
Reply to  Kristi

i am interested, blairpayton@yahoo.com

Marc Knight
Marc Knight
10 months ago
Reply to  Kristi

I’m interested

Tomekia Moore
Tomekia Moore
10 months ago
Reply to  Kristi

Hello I am interested

Lynne Marie Bishop
Lynne Marie Bishop
9 months ago
Reply to  Kristi

I’m interested in more information please

Gary
Gary
9 months ago

Let me know if you’re still interested and l’d like to help you.

Janine
Janine
9 months ago
Reply to  Kristi

Hi Kristi, Please contact me at jaedeesim@gmail.com
I’d like to start my own agency and contract with carriers.
Thanks so much,
Janine

Gary Fernando
Gary Fernando
8 months ago
Reply to  Janine

Hi Janine,
Let me know if you still have further questions. I can share with you what we do and why we do it.

Jessica S
Jessica S
1 year ago
Reply to  Rhonda

Would you mind sharing? I just passed 215?

Gary Melendez
Gary Melendez
1 year ago
Reply to  Rhonda

Rhonda…..can you please show me what you are doing?
Thanks!

Rosann LeRose
Rosann LeRose
1 year ago
Reply to  Rhonda

Hello Rhonda, I am debating between NY life who reached out to me in a virtual job fair and working in the field i’ve been in as a project manager. There are pros and cons for both. What is your experience selling life insurance in the beginning. please be honest…
Thank you
Rosann

Linda
Linda
1 year ago
Reply to  Rhonda

Please contact me Rhonda.

Kristi
Kristi
1 year ago
Reply to  Linda

Linda I can help you kp775kp@gmail.com

Tiffany Fulton
Tiffany Fulton
1 year ago
Reply to  Rhonda

Send me info too please

Blair Payton
Blair Payton
11 months ago
Reply to  Rhonda

i am also interested, blairpayton@yahoo.com

Hajrie
Hajrie
11 months ago
Reply to  Rhonda

I’m trying to get my life Insurance license now to start making something- but I’m nervous

Marc Knight
Marc Knight
10 months ago
Reply to  Rhonda

Can you share more? Thanks email me.

Carol Gonzalez
Carol Gonzalez
10 months ago
Reply to  Rhonda

Please email me some information as well Ronda? Thanks!

Lynne Marie Bishop
Lynne Marie Bishop
9 months ago
Reply to  Rhonda

Interested in more information please

Mitchell
Mitchell
9 months ago
Reply to  Rhonda

Hi Rhonda, any chance I can get some more info on what you’re doing? I have my license already I’m just stuck on where to go from here.

Gary Fernando
Gary Fernando
8 months ago
Reply to  Mitchell

Hi Mitchell!
What state are you licensed?
Let me know if you need more direction and I might be able to help you.

Gina
Gina
2 years ago

I am in Arizona. Licensed now in Life, Accident and Health, YOU need to get further training for most of your insurance policies you may be wanting to sell. AHIP https://www.ahipmedicaretraining.com/ext/ahip/login.php . if you want to sell Medicare. if you want to sell LTC https://insurance.az.gov/producers/producer-agentbroker/long-term-care-training LIfe Insurance Annuity Training https://insurance.az.gov/annuity-training-requirement etc..and then you have to get certified by each carrier before they take you on to represent them can take up to 30 days to get approved once your application has been sent and you are not certififed beforehand. If you try to push an application online through it will… Read more »

Rosann LeRose
Rosann LeRose
1 year ago
Reply to  Gina

Thank you this is helpful. though i am in New Jersey so i am not sure what actually applies but now i can ask those questions. 🙂

Juan Alvizar
Juan Alvizar
1 year ago
Reply to  Rosann LeRose

I work with the top 77 Insuance companies and looking to develop brokers out of new agents nation wide I would be able to help you start your own book of business through our platform. Feel free to reach out to me for and questions. 818.691.4424

Christine
Christine
11 months ago
Reply to  Gina

I’m in Arizona and looking to start. I want to be an independent agent but attached to a group that already has all the carriers. Any suggestions on how to start

Hussain Shams
Hussain Shams
4 years ago

Not only I would like to take the test and finish become an insurance agent I need to know what’s the next step after passing the test

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Hussain Shams

Hi Hussain, After passing your exam you will apply for your license with the state licensing department. Soon as you have your license you will be able to go to work for an insurance company selling their products/policies. If you don’t already have a job lined up you’ll want to start looking at who’s hiring. Since there is a lot of turnover in the industry there are always companies hiring! Please let us know if you have any other questions.

KENYETTA ROBERTS
KENYETTA ROBERTS
4 years ago

Hi, I am in need of advice. I have already passed the exam and I just recently submitted my finger prints and other documents requested to PCI. I need to know what the next steps for me if I want to sell insurance. I already have a few tax offices and I do see where alot of companies are doing both out of their office spaces and I would like to do the same. I guess I would like to do it independently but sell for other major companies. I hope this all makes sense. Thank you in advance for… Read more »

America's Professor - DCM
America's Professor - DCM
4 years ago

Hello Kenyetta, We primarily work in Test World (which you successfully completed) but the first thing to do is wait until you get your license. Secondly, you will want to look into getting an agency license with the state. Last you will want to search out and contact carriers who will let you sell their products directly to customers, which may be tough without experience in the industry. You might try contacting a similar company as your in an area that would not be in competition with you and ask them the process they went through and what carriers they… Read more »

Graciela R
Graciela R
3 years ago

I pass the insurance exam how long do I wait for my license to be active

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Graciela R

Hello Graciela, You need to apply for your license and wait for the state to issue it. It usually takes a few weeks depending on their work load. Good luck!

George Rispo
George Rispo
3 years ago

How long after you take the state exam, do you have to get your license? Does it expire at anytime, so that I would have to take the state test again, before getting my license?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  George Rispo

Hello George, It depends on the state. Most states give you 1 year to complete the licensing process but a few others only allow 180 days. If you look at your pass results from your exam it should tell you. Also, calling the Department of Insurance in your state and asking for the Licensing Department should also get your questions answered. Good luck!

Nancy Sanchez
Nancy Sanchez
1 year ago

I’m trying to apply for my license, now that I passed my test. In the application it’s asking for a business address but I am not currently working for an insurance company. Can I just add my home address?

America's Professor - DCM
America's Professor - DCM
1 year ago
Reply to  Nancy Sanchez

Hi Nancy, Use your home address on both just be mindful that when you do get a job, you’ll want to update that address quickly. Good luck!

Kacee Walker
Kacee Walker
1 year ago

I know this response is from some years back but I would like some more info on what companies are currently looking for licensed agents. I got certified in February of 2020 and am currently looking for employment.

Norea Sun
Norea Sun
8 months ago

I have the exact same question. I just recently applied for my license in CA. Paid the licensing fee. Would I be required to put up a bond if I would like to be an independent insurance agent. What are the pros and cons of and independent agent?

Last edited 8 months ago by Norea Sun
America's Professor - DCM
America's Professor - DCM
8 months ago
Reply to  Norea Sun

Hi Norea, I think your questions would be better answered over on Insurance-Forums.com. They have a lot of Real World Agents and Producers who can weigh in. Good luck!

Gary Fernando
Gary Fernando
8 months ago
Reply to  Norea Sun

Hi Norea! If you have not received answers to your questions or if you want more information, please let me know, I would be happy to help you.

Elda B
Elda B
4 years ago

once we have our license, Can we start looking for underwrites and start on our own. or we have to work for an agency first?

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Elda B

Hello Elda, Most people will always work for an agency first to get experience.

Alanna
Alanna
3 years ago

Okay…. I need to take my exam… how can I do this? I have been unsuccessful in finding a location. I took my prelicensing… and I didn’t know there were other steps till I got hired at the job I applied for.

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Alanna

Hello Alanna, Usually the steps to getting your license are Prepare, Pass & Apply. What state are you trying to get your resident license in? That will determine who gives the licensing exam and if a background/fingerprint process is required.

Jose Medina
Jose Medina
2 years ago

Can you tell me the steps to become a insurance broker after obtaining my license?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Jose Medina

Hi Jose, Are you talking about selling insurance (Producer) or arranging the sale between two parties (brokering/consulting)? We find a lot of people don’t really know what a Broker is and they really mean Producer (please see here).

Jose Medina
Jose Medina
2 years ago

Thank you for your fast response and for your help. Im In California and Im in the process of getting my license, my goal is to open my own office and sell policies from different companies, Ive gotten different answers from different people regarding my questions so basically Im confused and don’t know exactly how to start. I think the correct name is Insurance Producer.

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Jose Medina

Okay, it sounds like you want to be an Independent Insurance Agent/Producer (not Captive) and start your own Independent Insurance Agency. One resource I think a lot of people forget about is their own Insurance Agent/Producer. Often calling your local Agent will yield some pretty good, real world, information. They are usually happy to explain the process they went through and make some recommendations. Always be sure to check with your state’s DOI for current regulations and requirements. Good luck!

Dean Luzader
Dean Luzader
2 years ago
Reply to  Jose Medina

Hi Jose, not sure if you already found your way to your insurance broker plans at this time. My name is Dean and I am also new in the insurance business. Finally got my license, also getting non resident licenses in other states, while learning the policies of the different companies that I am now appointed with. It has been a challenge but fun! Please do not hesitate to reach out to me if you still needs help ok? We can actually operate to all the 52 states as we obtain the licenses per state. Dean Luzader #7037129479

Michelle
Michelle
1 year ago
Reply to  Dean Luzader

I too have obtained my license and now I’m wanting to understand next steps. I sold PEOs at ADP along with HRB software with carrier connections. I now want to start selling life and health insurance but obtaining a license doesn’t teach you how to actually get plans from providers to present to individuals or companies.

Roy Farhi
Roy Farhi
1 year ago
Reply to  Dean Luzader

Just read your post Dean; can you tell me the process to get non resident status as just got Life Agent in CA
Roy

Troy
Troy
2 years ago

I passed my exam but haven’t applied for licensing with my state yet. How much time do I have ?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Troy

Hi Troy, Usually test results are good for a year although a few state’s results are only good for 6 months. If you look at your pass sheet from the test provider it should say. Good luck!

Mary
Mary
2 years ago

Hello! I recently left a B/D and received notice that I have to contact every single state to surrender my licensing. I’m not sure yet whether I want to return to the industry. How long do licenses last before they lapse? If they lapse, what fee is charged? It seems somewhat ridiculous that 50 separate forms or notices would need to be given when one leaves the industry. Could you please advise?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Mary

Hi Mary, Sorry but this gets a little into the weeds for us and I don’t think we can really help you with a definite answer. I think the only people that can answer this for you are those at the licensing department in each state (or you might get a consensus after a few calls). I know a few states, like Texas, have large reinstatement fees and other just have you retake exams. Your individual licenses should say how long they are good for and fees are probably different by state. I hope you are able to find the… Read more »

Gabriel Hunter Hill
Gabriel Hunter Hill
4 years ago

I passed my exam but my company doesnt have a health insurance product what are my options?

America's Professor - DCM
America's Professor - DCM
4 years ago

Hi Gabriel, It sounds like you need to work with your employer to be able to sell Health products/policies (best option). If you were an independent agent it’s possible some carriers would allow you to sell their products but that’s not a normal situation. You can get into some tricky situations working for two different agencies though. You might have a contractual agreement with you current employer that has limitations. Again, lots of possibilities here. If you are working for a captive company your only way is to find a new employer.

Melissa Raines
Melissa Raines
4 years ago

I have passed the licensing exam, but I think it expired. Can I reinstate my license?

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Melissa Raines

Did you pass your insurance license exam, apply for your license then not renew it? Most states allow you to reinstate your license for up to a year although you have to catch up on all your continuing education hours and pay a reinstatement fee. You will want to call your state’s licensing department to verify the procedure. Now if you didn’t ever apply for your license (just passed the licensing exam) your pass results from the test center are usually only good for 1 year. Beyond that time frame you will need to take your exam again. Good luck!

Damon j
Damon j
4 years ago

I was told that after I passed my test, my license would come in the mail. Do I just wait now? It’s been almost five weeks!

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Damon j

Hello Damon,
Did you send in your license application to the insurance licensing department with your pass results? Passing the exam only gives you the ability to apply for a license. If you did send in all the required information I’d call your state’s insurance licensing department and see what’s holding your license up. Usually it only takes a few weeks. Good luck!

Teri
Teri
4 years ago

I passed my P&C test in April and I work for an insurance agency. I am a certified CSR however I am doing the same job as before Administrative Assistant. My Employer is not promoting any training for my new job title. What is the timeline for training??

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Teri

Hi Teri, Usually CSRs are fully licensed in the office so that they can deal with quotes and review current customer’s accounts. Being fully licensed with a Property and Casualty Producer license allows you to get commissions for new sales you make. Is your employer moving you into more of a sales role? If so, then I assume that’s when more sales/product training might come on. If not, then for liability purposes your employer has just covered his or her bases.

Delia Booker
Delia Booker
4 years ago

Once I am done with training and start with the insurance company how long before I see a stipend?

America's Professor - DCM
America's Professor - DCM
4 years ago
Reply to  Delia Booker

Hello Delia, That will depend on which company you go to work for. If a company offers a base salary it usually starts paying once you have your license and go to work for them. Keep in mind that not all companies offer a base salary (each is a little different).

Annette Eva Wojtowicz
Annette Eva Wojtowicz
3 years ago

Hi. I have a question. Which insurance companies offer a base salary?

America's Professor - DCM
America's Professor - DCM
3 years ago

Hello Annette, I’m not sure. You would just have to start calling them as each company’s compensation is probably a little different. There are far too many for us to keep up with. We stick primarily in “Test” World. Thanks and have a great day!

Deborah Wyche
Deborah Wyche
3 years ago

How long does it take for your license to update after you pass the exam in Georgia?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Deborah Wyche

Hello Deborah, After passing your exam you first need to apply for your license at sircon.com/georgia then wait for the state to process your application and background check. Usually this process takes a few weeks but depends on how busy they are. Good luck!

Liz
Liz
3 years ago

I took my P&C test and passed it in January of this year, but due to a conflicting schedule I didn’t continue with the process to obtain my license. I would like to get licensed now but my concern is that I will have to start over again or can I just continue with the finger prints and background check process?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Liz

Hello Liz, If you look at your pass results from the test center they should tell you how long they are good for. Usually we see that they are good for 1 year. It sounds like you just need to apply for your license as soon as possible and complete the background check. Good luck!

vivian anderson
vivian anderson
3 years ago

Ive been insurance for over 20 years and was thinking of changing from where I have been in an independent agency to a company called Shelter.They are saying its not that easy that I am an appointed agent and I am not. I have changed twice in my career and never have signed a contract nor have I been ask to sign one when I go. This is a good job and id like to go but this is becoming an issue and its just not so. I work CSR but I am fully licensed. I will be writing policies… Read more »

America's Professor - DCM
America's Professor - DCM
3 years ago

Hi Vivian, If you resign from your current job your employer will have to cancel your appointment with your current company. You can then go to work for another company, who will then call the insurance commissioner’s office and ask them to issue a new appointment so that you can represent their company. Please give us a call if you have any other questions. Thanks and have a great day!

savana
savana
2 years ago

I was fired from my job and now am running around making sure my licensing info is up to date in each state. I am worried about being stuck with non-compliance fees and having to worry about that while unemployed. I have checked each state’s websites and called voicemail boxes pr state but cannot get this answer, if I want to keep my license until they expire do I have to file anything with each state I am licensed as a non-resident or will my license auto-expire once the company I worked for contact the state’s insurance office that I… Read more »

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  savana

Hi Savana, If you have a resident license you just need to make sure you keep up on your continuing education hours and renewal fee to keep it in good standing. Then make sure to keep your renewal fees paid for any non-resident state licenses requiring a fee. Your license does not expire once you leave a company, you are just no longer appointed by them to represent and sell their products. I know it goes without saying but, be sure to not tell anyone you represent an Insurer until you are appointed by them. Good luck!

Pablo
Pablo
3 years ago

Hi, I passed the NY state exam (P&C) and filed for an agent license but on Department of Financial services of NY website my license seems to be “inactive”. I will start a new job next week with a Carrier’s agency (State Farm), should I request a letter from them for activating my agent license?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Pablo

Hi Pablo, You will want to call the Licensing Department in New York to find out what the holdup is on your application. Sometimes the background check take a while to get back but sometimes there are other issues. You will want to wait until you either have your license in the mail or see it was activated otherwise. Good luck!

boy blue
boy blue
3 years ago

Hi,
I am retired and recently passed the Florida 0215 (Health, Life Including Contracts & Variables Annuities) exam. I have no experience in the field but a fast learner.
Who do you suggest I check with for training, job.
Thanks

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  boy blue

Hello, Most any company you go to work for is going to train specifically for thier company so not having experience isn’t a problem. Unfortunately we don’t directly work with any company recruiters, unless they are sending us students, so I wouldn’t really be able to give you any other advice. You might look at the insurance forums at insurance-forums.com and see if anything peaks your interest. Good luck!

Rebecca
Rebecca
3 years ago

in the stat of IL how long after passing the exam for Life & Health do I have to apply for the license

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Rebecca

Hello Rebecca, Is looks like you have to wait at least 5 days before you can apply for your license but I don’t see a deadline for having to apply for it. Most states states allow for up to a year. Generally the pass results from your testing provider will list how long they are good for (usually a year) as well as the certificates of completion. You may want to contact the Illinois licensing department if you have further questions.

Anna
Anna
3 years ago

Hi, I was wondering if I can get Property and Casualty License without any insurance office being tied with it? For example, I see on Prop and Casul Licenses the Business Addresses of ins. companies. Can I just apply without mentioning a particular insurance office on the certificate?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Anna

Hello Anna, You do not have to be sponsored to get your Property and Casualty license. You can take a course, pass your exam, and apply for your license on your own. You just won’t be appointed by anyone to sell their products/policies.

Clinton
Clinton
3 years ago

I passed my pre-license exam in Florida. How long is my exam results valid before I would need to retake the exam if I don’t get hired right away by an insurance company?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Clinton

Hello Clinton, After passing the exam you usually have one year to apply for your license. You pass results from the testing center will give the specifics. As long as you complete your continuing education you won’t have to take the course/exam again. You don’t need to be hired to have the license, just to sell. Good luck!

Carolyn
Carolyn
3 years ago

Hi,I responded to an employment AD to sell insurance. I took the pre-licensing courses under that IMO company from the Ad. I went on to pass my health and Life exams and got my licenses. I started working for the IMO company and wrote a couple of application for policies. Now, I’m not sure if I want to continue working with this company. If I wanted to leave and go to work for another IMO or Independent insurance company how would it effect my ability to do so? Is there some kind of rule that forbid me from changing organizations?… Read more »

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Carolyn

Hello Carolyn, Generally you should be able to leave and go to work with another company without any issues. You’ll want to ready the fine print on your contract or work agreement and how it affects your owed commissions. The new agency will appoint you and the other company would notify the commission to cancel the appointment you had with them. Good luck!

Missy Kane
Missy Kane
3 years ago

I currently work for a licensed agent/agency and have just recently received my 2-15 license, since I work for the agency do I still need to get an appointment from an insurance carrier

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Missy Kane

Hello Missy, No. The insurance carrier gives the insurer the right to sell the products, the insurer gets a certificate of authority to sell those products in the state and the insurer then appoints the agent to represent them and sell those products.

Alex
Alex
3 years ago

Hi, I have an exclusive leads pipeline and I would like to be an independent agent. I’ve just take the state exam and passed it. What should my recommended next steps be ? My ideal scenario is to represent various companies and shop around for my clients if that makes sense

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Alex

Hi Alex, You will want to find a non-captive insurance company to hire and appoint you to sell the different products they have access to. That will allow you to shop around for your clients and find them the best deal. Good luck!

Kim
Kim
3 years ago

I passed my general property and causality insurance exam for Texas. Do I apply for the agent license or agency? I will be working for an individual insurance company.

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Kim

Hi Kim, You would be applying for the Agent license. 🙂 Congrats on passing your exam!

Peter Fire Retire
Peter Fire Retire
3 years ago

I have been licensed for 4.5 years. Got stuck in recruiting companies and sold very little. I’ve been bouncing back and forth, just can’t get any traction…. I’ve bought leads but they are all junk unless I pay the company $3K/month and are captive to them completely. What do I do?!! I’ve been looking for a straight up basic insurance job but still no real hand holding (since i come from a fireman/paramedic background) which is what i need. I’m in california. Thanks for any slap or advice you can give!

America's Professor - DCM
America's Professor - DCM
3 years ago

Hi Peter, The Expert in the office had this recommendation: Peter could go out and start knocking on doors given what I see if he is an independent situation or else go to work for a captive company (for brand name recognition). He can also approach people on the basis of just giving them a quote to see if he can save them money not just immediately replacing their existing policy. Good luck Peter!

Jasmine
Jasmine
3 years ago

Hello I’ve passed the exam and applied for my state lic for life and accident. My question is fingerprinting is there a fee for registration and the process of getting finger printed?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Jasmine

Hi Jasmine, It depends on what state you are in. Most states have a fingerprint/background check requirement before they will process your license. Usually the test provider with mention that when you’re signing up to take your exam.

Melissa
Melissa
3 years ago

Hi. I am getting very overwhelmed in regards to taking my Ohio state exam tomorrow for P&C. I have been taking the practice state exam. My average score is around 96-97%. Any suggestions? Thank you.

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Melissa

Hello Melissa, There is a huge amount of content that you are required to know so I completely understand being overwhelmed. The biggest thing I can recommend is getting a good night’s sleep. Secondly, be sure to look at your first attempt on your practice exams and see which questions you missed. It’s important to go back to that content and rewatch/learn it. We often see people mess up by taking questions over and over again which only leads to memorizing those questions, not learning the content the missed. The test providers will have 50+ variations of questions that test… Read more »

Jimmy Charles
Jimmy Charles
3 years ago

Hi, I passed the NYS state exam in April but have been working under my boss license. It’s been 5 month since I passed the exam. How long do I have to register for my own license? Thank you, Jimmy

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Jimmy Charles

Hi Jimmy, usually your pass results are good for one year. It should actually say on your pass sheet with other instructions on how to complete the license process. I found this page with some useful New York Insurance Agent and Broker FAQs. Good luck!

Keshia Nickens
Keshia Nickens
3 years ago

Hi. I just passed my Life and Health. I want to form an LLC for my business once I do that would I need to get an agency license since I will be the only person working the LLC(one member LLC). And do you guys also offer P/C classes?

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Keshia Nickens

Hello Keshia, I would try to start talking with some Insurance Carriers to see who’s products you can sell. There are probably a few insurance forums out there where people have done exactly what you are doing (we are more test world). Most of our students are going to go to work for an existing insurance company first to get some experience then possibly open their own agency. Also, we do provide Property and Casualty courses depending on your state. Let us know if you need anything else. Good luck!

Amy Winters
3 years ago

I’m glad you pointed out that all states will require you to provide some personal identification, but the actual requirement vary by state so it’s a good idea to check your state’s requirements. My brother wants to start a casualty insurance agency, so I’ve been helping him do some research about different aspects of the business. I’ll definitely take your advice and check our state’s specific requirements for identification!

Sky
Sky
3 years ago

I’m applying for p&c in Texas, and they want t years working experience. I put in my work experience but now I’m realizing I may have the work dates wrong. Does the employment part really matter that much? They’re mostly just doing a criminal background check, right

America's Professor - DCM
America's Professor - DCM
3 years ago
Reply to  Sky

Hello Sky, I think they are getting collecting general information from you that they will compare to your background check. I’m sure if you are close on your dates it shouldn’t cause a problem. You can always call the Texas Department of Insurance 512-676-6500 and see what they say. Good luck!

Brian Ortiz
Brian Ortiz
2 years ago

I passed my test but I am a felon would that be an issue it’s a drug related case

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Brian Ortiz

Hi Brian, I’m not sure. You’ll have to go through the background process to see what they say. Often people who have questions about their past will run their background check first and get an answer before taking a course/exam but I know that’s not your case. All I know is that you want to be 100% truthful on the background check’s application as we have seen a student get their ability to get licensed pushed back 2 years because they lied on their application. Let us know if you have any other questions.

christopher patrick
christopher patrick
2 years ago

I have just got my life and health license and joined an Imo ..but i am not getting any training and was wondering should i go at first with some major companies that have training or is it ok to be independent and just buy leads and try close?

America's Professor - DCM
America's Professor - DCM
2 years ago

Hello Christopher, If you are referring to a Marketing group you are most likely not going to get any training. My advise to someone new is to go where there is training and support, whether it is a captive or an established independent agency. Then down the road, after you have learned about the business and policies, you can choose your own path… maybe even start your own agency. Good luck!

Edwin
Edwin
2 years ago

Hello…I have recently(2 days ago) passed the property and casualty exam for the state of Nevada. I’m also done with the fingerprint process. The question that I have is: is it suggested that someone in my case applies for a license before getting the fingerprints results and avoid to paying the license application fees in case something goes wrong in it?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Edwin

Hello Edwin, Usually if someone is worried about passing the background check they contact the Department of Insurance (DOI) to get “pre-qualified” before taking a course and exam. I think at this point you are only able to apply for your license to see if everything is good. You might call your DOI if you are worried to see if there are any costs that could be saved in the event you don’t qualify for a license. Good luck!

Rohan Nayak
Rohan Nayak
2 years ago

best tool to use to evaluate/shop policies for client as an agent?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Rohan Nayak

Hello Rohan, Sorry but I do not have any real world knowledge in the area of your question. Wish I could be helpful but I can’t. Good luck to you.

Jon B
Jon B
2 years ago

Hello . – I’m newly licensed 220 in the state of florida. I also sell real estate. I’m unsure how to proceed or even what questions to ask at this point on getting started. Based on what i’ve read, it seems to make sense to work for a company for a few years to get some experience in the field. I just want to make the right decision. Any advice is appreciated. Thanks

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Jon B

Hi Jon, That is what the vast majority of our students do. It’s best practice to work for a company and get some experience before deciding if starting your own agency is what you want to do. It also proves to carriers that you know what you are doing! Good luck!

Allen
Allen
2 years ago

This article doesn’t tell you the steps how. Wasted my time.

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Allen

Hi Allen, What specific questions do you have?

Joe Berran
Joe Berran
2 years ago

If I dont take my exam what happens to the deposit

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Joe Berran

Hi Joe, Usually you can cancel or reschedule within 48 hours but if you don’t take the exam, you will forfeit the exam fee. You are basically purchasing a time slot to take an exam. If you give them enough time to refill the time slot (e.g., 48 hours) they will refund you. Good luck!

Nancy Sharma
Nancy Sharma
2 years ago

I’ve passed my property and casualty series 17-56 exam last week. How can I apply for my license, as I am not currently working in any company or agency. Please advise. Thanks.

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Nancy Sharma

Hello Nancy, I assume you are in New York so here’s a link to PSI’s Candidate bulletin with links to the licensing application. It looks like you have 2 years to apply for your license. Congrats and good luck!

marguerite
marguerite
2 years ago

I passed the accidental and health and life state test in January how do I obtain a copy of my certification

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  marguerite

Hello Marguerite, Your course provider should have issues a certificate of completion after you completed your course. If you are one of our students you would have needed to submit a study log in order to start the course audit process (if this is the case please give us a call at 1-800-870-3130 and we will get you taken care of). Congrats on passing your exam!

Briana
Briana
2 years ago

I failed to get an appointment for the past 48 months,now my license is canceld what are my options
? please let me know

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Briana

Hello Briana, If you haven’t completed any continuing education (CE) then most likely you will have to start over with the licensing process. You may want to call your DOI Licensing Department just to verify there aren’t any special circumstances. Good luck!

Leah
Leah
2 years ago

Please what is the best material you can use to study and pass health insurance License does anyone have a suggestion please.

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Leah

Hi Leah, There are a couple different things that come into play here. Are you looking to go to a live class or take an online class? We provide some great online insurance pre-licensing courses! Alternatively, you can do a Google search for live courses in your area. Most instructors have ratings and reviews that are helpful. Good luck!

Keith
Keith
2 years ago

Hello, So I just passed my exam today in NYC, what are the next steps and what is the exact process of becoming an independent agent?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Keith

Hi Keith, Congrats on passing your exam! Your pass sheet from the testing company could have the exact steps to get your license. I recommend that you take a look at insurance-forums.net to see what your options are and maybe make a few good connections. You could also go in and talk to a few independent insurance agent outside your area and they may have lots of good information for you. Good luck!

Aj Singh
Aj Singh
2 years ago

After passing life agent exam how long do I have the get fingerprinted and get the process stated to get state lic? 6months, 12 months, 18 months??

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Aj Singh

Hi Aj, Usually your test results are good for a year, within that period you need to apply for your license and have your fingerprinting/background check completed. Some state’s fingerprints are only good for certain period of time though (e.g., Idaho for 6 months). You will want to verify with your state’s DOI that they don’t have any specific rules like that. Good luck!

Denise
Denise
2 years ago

After passing the test is there an expiration of days this result is valid? I have not applied yet for licensing and wondered how long I have before my pass test results are not longer valid.

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Denise

Hello Denise, Usually your pass sheet will say right on it (usually 12 months but sometimes only for 6). What state are you in?

Maria
Maria
2 years ago

What is the complete mailing address of
California Department of Insurance?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Maria

Hello Maria, It looks like you have a few different options if you look at their Contact Us page: http://www.insurance.ca.gov/0500-about-us/05-contact/

Alexis doherty
Alexis doherty
2 years ago

Hi If I’m working for a company that paid for me to get my license and fingerprints done. Do they have any rights to my license or is that just mine, and if I’m able to take it to another company?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Alexis doherty

Hello Alexis, Your license is yours as long as it’s a full Producer license and not a SubAgent license (some states like Georgia have). If you decide to move companies you will take your Producer license with you. Depending on your employment contact you might have to repay your licensing and fingerprints fees back though. Good luck!

Alexis
Alexis
2 years ago

How long should it take to get your license in the mail when you already got approved by the insurance department?

America's Professor - DCM
America's Professor - DCM
2 years ago
Reply to  Alexis

Hi Alexis, It completely depends on how busy they are. We usually see students get their license in the mail within a week or two. Good luck!

Mona
Mona
1 year ago

I got my license in life, health and accident , now i don’t know wgat’s next step? Should i buy bond? How much and where can i find it ? Pls answer my questions?

America's Professor - DCM
America's Professor - DCM
1 year ago
Reply to  Mona

Hi Mona, I don’t know what state you are in but I wouldn’t get a bond unless your state requires it. Sometimes we see non-resident licenses require a bond but not too often for a resident license. I would think whoever you are going to go to work for should also be able to recommend what you need. Calling your state’s Department of Insurance should also be able to send you down the right path. Good luck!

Gary
Gary
9 months ago
Reply to  Mona

Hi Mona! Did you get your question answered? Let me know if you still need help.

Brian Carroll
Brian Carroll
1 year ago

I’m passed my exam. I currently need proof. who would I contact- this is for California

America's Professor - DCM
America's Professor - DCM
1 year ago
Reply to  Brian Carroll

Hi Brian, Since there is an Approved Course/Hour requirement in California you would have to get that certificate from the company who’s course your completed. If you didn’t take an approved course… you will most likely have to to earn a certificate. Congrats on passing your exam and good luck!