In recent months we have seen an alarming increase in the number of applications where the writing broker was not licensed in the state where the insurance was solicited and/or intended to be issued. We have also seen a number of AppAssist Request for Life Insurance Interviews (RLIs) where the writing broker was not licensed in the state where the applicant resides.

While some states do not require an appointment with a carrier before an application is
solicited from the public, an active producer or agent life insurance license with the state is
mandatory in all states.

In states that require everyone in the writing broker’s upline to be licensed to receive commission and override commission (FL, GA, KY, MA, MT, NC, NM, NY, PA, SC, VA, WI and WV), each upline agency must also have an active license in the state prior to the application being solicited.

We encourage you to visit The Basics for more information on licensing and appointments.