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Licensing

310038-00

Satellite offices
Could you review the requirements for staffing an agency’s satellite office?...

310103-00

Duty of licensee to report fraud, termination “for cause”
We are a wholesaler. A broker we deal with has issued checks in connection with insurance placements that subsequently have been dishonored by the......

310115-00

Public adjusters and brokers
What are the rules governing referral fees paid by public adjusters? Are they required to pay brokers for referring clients to them?...

310146-00

Selling LTC policies
What type of producer license is needed to sell long-term care policies in New York?...

310154-00

Prospecting: incentives offered by unlicensed employee
Is it legal for us to run a sales promotion in which an unlicensed person calls prospective insureds and: 1) offers a free gift if they agree to......

310215-00

Referral fees to unlicensed persons
Can we pay someone who is not licensed a referral fee? We have two situations. First, we have a life insurance agent who works out of our office......

310221-00

Controlled business commissions—the 10 percent rule
Is it legal for a New York-licensed insurance broker to act as the broker in placement of homeowners or commercial property insurance on a piece......

310233-00

Nonresident excess/surplus placements
We have a New Jersey resident producer license with surplus-lines authority. We also have a New York broker’s license, but we do not hold a......

310241-00

Promotional program to get referrals
We would like to run a promotion for our existing customers, asking them for referrals. The promotion would be that, for every five referrals we......

310245-00

New York insurance producers can resign from an account
May a producer resign from acting as an insured’s representative? If so, how should this be done and is the answer different for a......

310263-00

Who can be a sublicensee?
Our agency is a corporation licensed for property/casualty. We want to obtain a life insurance license for the corporation so it can accept shared......

310291-00

Referral payments
I’m setting up a referral program in which people receive a gift certificate or gift card when they provide five referrals to my agency. Can......

310292-00

Referral fee vs. rebating
Can I legally give a gift certificate or gift card for referrals of prospective customers to my agency?...

310294-00

End-of-promotion gifts
What type of promotional gifts can be given? Can it be a small TV? An IPOD?...

310306-00

Brokers license authorities include accident and health '
I’ve held a broker’s license in New York for a number of years, dating back to before there was a so-called “life insurance......

310327-00

Life/health accident license
Can I take a class and get the license for just the life portion of the life, health & accident authority license?...

310337-00

Massachusetts annual report form requirements
I am a New York resident who holds a Massachusetts nonresident business-entity license. I received a notice stating I had to submit an annual......

310343-00

Out-of-state licensing
We hired an employee in July who has now been with us for six months. We are a New York agency and he works here in New York for us, however, he......

310356-00

Master corporation sublicensee
I am thinking about creating a corporation to operate over and above my own LLC agency. Does the corporation have to be licensed in New......

310359-00

Unlicensed attorney cannot collect commissions
I heard that in New York an attorney does not have to be licensed in life/health or property/casualty to collect commissions on insurance sales.......

310384-00

Getting a brokers’ license when a property/casualty agent
I have a property/casualty agent’s license, but I want to apply for a broker’s license, too. What do I need to do to accomplish this?......

310387-00

Misdemeanor charges for licensees
I’m a licensed insurance agent in New York and I was recently arrested. Ultimately, I will plea all charges to a misdemeanor. Our......

310401-00

Agent and broker 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......

310405-00

Signatures—agency employees
We have agency employees who are not sub-licensees on our corporate license. Is it permissible for them to sign insurance applications on behalf......

310433-00

Reporting of administrative actions
Regarding licensing, what would be considered an “administrative action” that an insurance producer must report to the insurance......

310467-00

How to add or remove sublicensees
How do I add or remove sublicensees from my New York business-entity insurance license?...

310475-00

URL does not need to be a licensed name
Our agency’s URL is different than the name that appears on our agency license. Does using this URL cause any issues? Specifically, do we......

310479-00

Referral compensation for unlicensed persons
Is there a restriction on the type of compensation or incentives that can be offered to unlicensed persons for referrals?...

310494-00

Agency perpetuation—unlicensed person
What happens to my agency when I die? Can my spouse or someone else take over for me without a license? ...

310510-00

Obtaining individual license
I am currently a sublicensee under my agency’s license. I had my broker’s license for many years. What must I do to get my individual......

900065-00

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.......

900160-00

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?...

900225-00

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......

900245-00

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......

900246-00

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.......

900249-00

Licensing for Canada
What steps must I take to become licensed to sell insurance in Canada?...

900257-00

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......

900267-00

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?...

900420-00

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......

900443-00

Citizenship requirements for licensing
Can a non-citizen be an insurance agent?...

900510-00

Nonresident license in Virginia
Do I need to have domicile in Virginia in order to do business there as a nonresident agency?...