Broker Licensing/Authorization and Requirements
States Without Broker License/Authorization Requirements
A license/authorization is not required to broker a life insurance policy owned by a resident of the following states: AL, AZ, CA, DE, DC, ID, IL, MA, MI, MN, MO, NH, NM, NY, OR, RI, SC, SD, VT, WA, and WY.
States With Broker License/Authorization Requirements
As of June 2008
| STATE | REQUIREMENTS |
| Alaska | Settlement License |
| Arkansas | Life License, Disability License, or Settlement License |
| Colorado | Life License (1 yr) and Settlement Registration |
| Connecticut | Life License (1 yr) w/Registration or Settlement License |
| Florida | Life License and Self-Appointment |
| Georgia | Life License (1 yr) and Settlement Registration |
| Hawaii | Settlement License or Life License (1 yr) and Settlement Registration |
| Indiana | Life License and Settlement Declaration |
| Iowa | Life License (1 yr) w/ Regis. or Settlement License |
| Kansas | Settlement License |
| Kentucky | Life License (1 yr) w/Registration or Settlement License |
| Louisiana | Life License or Settlement License |
| Maine | Life License |
| Maryland | Life License and Settlement Registration |
| Mississippi | Settlement License |
| Montana | Life License (1 yr) with Registration or Settlement License |
| Nebraska | Life License with Registration or Settlement License |
| Nevada | Life License (1 yr) with Registration or Settlement License |
| New Jersey | Life License and Settlement Registration |
| North Carolina | Settlement License |
| North Dakota | Life License, Settlement License, and Bond |
| Ohio | Settlement License Req’d or Life License active for five years can qualify if broker activities are incidental to the insurance agent’s business activities |
| Oklahoma | Life License (1 yr) w/Registration or Settlement License |
| Pennsylvania | Settlement License |
| Puerto Rico | Settlement License |
| Tennessee | Settlement License |
| Texas | Settlement Registration |
| Utah | Life License or Settlement License |
| Virginia | Settlement License |
| West Virginia | Life License if Viaticals are Incidental to Producer Business |
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