Producer Individual
Definition
PRODUCER LICENSE – Authority to solicit, negotiate or sell Life, Accident & Health or Sickness, Property & Casualty, Personal Lines insurance, Variable Life/Variable Annuity, Credit and/or Limited Lines Travel coverage.
Applicable Statutes
C.G.S. §38a-702 to 782 – see Laws and Regulations
Fees
Initial: $140.00
Amendment: $130.00
Reinstatement: $130.00
Renewal: $160.00
Late Renewal: $160.00 for a total of $320.00
No pro-rating, non-refundable $50.00 application fee.
Duration
After initial license period, every two years on the last day of the birth month (i.e., the first issued license may not be a full two years).
How to Apply
RESIDENTS:
- Complete the pre-licensing course before taking the Producer exam.
- Download the Candidate Handbook and schedule the exam.
- After successfully passing the exam, wait for 1-2 days before applying for the license.
- Apply for the license by visiting the National Insurance Producer Registry (NIPR). Navigate to the Licensing Center and choose “Apply for a License.”
- Apply Now
- Note: You are not required to submit the examination results; the Department will verify this information with our vendor.
NOTICES:
- If you have recently finished an exam for Life and/or Accident & Health or Sickness Insurance Producer, DO NOT opt for the FRATERNAL AGENT license category. It's important to note that Fraternal Agent and Insurance Producer are different license types. Please allow 1-2 business days for your exam results to be uploaded to the national database Refunds are not available.
- If you solely seek a PRODUCER license, refrain from taking the CERTIFIED INSURANCE CONSULTANT (CIC) license exam. It's crucial to distinguish between the Certified Insurance Consultant and Insurance Producer license types. The CIC exam does not qualify you for a Producer license.
WAIVERS DUE TO DESIGNATION
PRE-LICENSING EXEMPTIONS:
To request a pre-licensing waiver, email the Department a currently dated letter (within 90 days) from the society. In the email, include your name, address, SSN, DOB and what lines of authority you are requesting. Send the email to: cid.licensing@ct.gov, Attn: Producer Pre-Licensing Waiver.
The pre-licensing examination requirement is waived for the following Insurance Producer license applicants:
Life – For any applicant who has been awarded the professional designation of CEBS, ChFC, CIC, CFP, CLU, FLMI and/or LUTCF and provides a current Letter of Designation.
Accident & Health or Sickness – For any applicant who has been awarded the professional designation of CEBS, CLU, HIA, REBC and/or RHU and provides a current Letter of Designation.
Property, Casualty and Personal Lines – For any applicant who has been awarded the professional designation of AAI ARM, CIC and/or CPCU and provides a current Letter of Designation.
EXAMINATION EXEMPTIONS:
Submit the application by going to the National Insurance Producer Registry (NIPR). Under Licensing Center, select “Apply for a New License.” Email the Department a currently dated letter (within 90 days) from the society. Be sure to include your name, and NIPR transaction number. Send the email to: cid.licensing@ct.gov, Attn: Producer Examination Exemption.
The examination requirement is waived for the following Insurance Producer license applicants:
Life – For any applicant who has been awarded the professional designation of CLU and provides a current Letter of Designation.
Accident & Health or Sickness – For any applicant who has been awarded the professional designation of CLU and provides a current Letter of Designation.
Property, Casualty and Personal Lines – For any applicant who has been awarded the professional designation of CPCU and provides a current Letter of Designation.
NON-RESIDENTS:
- Connecticut will grant reciprocity with an equivalent license in your home/resident state.
- Apply for the license by visiting the National Insurance Producer Registry (NIPR). Navigate to the Licensing Center and choose “Apply for a License.”
How to Renew
- Renewal notices are EMAILED about 90 days before the expiration date.
- Residents MUST complete your continuing education (CE) requirement BEFORE you will be able to submit your renewal application.
- Individuals whose CE requirements are not posted as COMPLIANT by the last day of their birth month will NOT be able to submit the renewal application/fee.
- If the CE requirements are completed timely (by the license expiration date) and posted by the provider within ten (10) days, producers will be allowed to renew with the $160.00 renewal fee.
- If the CE requirements are completed after the producer’s expiration date, the licensee will be charged the late renewal fee of $320.00.
- Renew on the National Insurance Producer Registry (NIPR). Under Licensing Center, select “Renew an Existing License.”
- NIPR accepts Visa, MasterCard, Discover, American Express, PayPal or electronic checks.
- Note: The Department does not accept cash or checks with paper applications.
- Please review your submissions carefully. Renewal fees are non-refundable.
- Renew with NIPR
- Please be reminded that it is your responsibility to keep your contact information current. Failure to receive a renewal notification does NOT excuse the licensee from Connecticut renewal obligations.
- To change or update your email or address information, update your information at National Insurance Producer Registry (NIPR). Allow one to two business days for the changes to be applied to your license.
- Note: You will not be able to update your information once you start processing your renewal through NIPR.
Questions regarding the submission of your application contact NIPR at: customerservice@nipr.com.
NOTICES:
- If you are already an Insurance Producer, DO NOT choose the FRATERNAL AGENT license category. Instead, access the "Renew an Existing License" option through NIPR and select the appropriate license type. Refunds are not available.
- PRODUCERS should not choose the CERTIFIED INSURANCE CONSULTANT license class. Refunds are not available.
Continuing Education (CE) Requirements for License Renewal
- Resident Insurance Producers licensed with Life, Accident & Health or Sickness, Property, Casualty or Personal Lines authority, must complete twenty-four (24) CE credits each renewal period.
- You must complete 21 General and 3 Laws/Regs/Ethics for a total of 24 credits.
- Make sure you have completed all requirements outlined on your transcript. The “status” must read “Compliant” for all categories.
- Note: New licensees must also complete 24 credits upon their first renewal.
- If you have completed your CE course(s) and the information is not showing on your transcript, contact the vendor you took the course with directly.
- For questions regarding CE Transcripts or CE requirements please contact ce@pearson.com or call 1-866-316-4535.
The following individuals do not have a CE requirement:
- Licensees that hold Credit Only or Limited Lines Travel Only authority.
- Non-Residents.
Continuing Education (CE) links
- Annuity Best Interest FAQs
- Approved Courses Inquiry
- Approved Provider Inquiry
- Annuity Suitability Approved Courses
- CE Transcript
- Connecticut CE Handbook
- Pearson VUE Continuing Education
How to Amend Lines of Authority
- Apply on the National Insurance Producer Registry (NIPR). Under Licensing Center, select “Add Line of Authority.”
- Note: If you need to amend your license and are within the renewal window (90 days prior to your license expiration date) you must first renew the existing license prior to adding any new line of authority. If you try to add a new line of authority prior to renewing your license, the application will be rejected.
- Add a Line of Authority
How to Reinstate a License
- To reinstate the license for up to one (1) year after expiration date, you will be required to complete the CE requirement (Resident ONLY) and pay a late fee of $160.00, for a total of $320.00. Apply by going to the National Insurance Producer Registry (NIPR). Under Licensing Center, select “Renew an Existing License.”
- After one (1) year, residents will be required to complete pre-licensing course and pass the exam, prior to submitting the reinstatement application. Apply by going to the National Insurance Producer Registry (NIPR). Under Licensing Center, select “Apply for a New License.”
- Renew Existing License
- Apply for a New License
Expiration Dates:
Individuals – Your license expires on the last day of your birth month. If you are a Resident insurance producer, you also need to complete the full 24 CE credit requirement by that date. For new licensees, this may mean that the first license cycle is not a full two years. For example: If the license was issued on May 10, 2020, and the insurance producer’s last birthday was December 4, 2019, then the expiration date of the license will be December 31, 2021. Once the license renews on December 31, 2021, it will not expire again until December 31, 2023.
Late Renewals:
Individuals – If you do not pay your renewal fee by the expiration date, your license and all appointments will be canceled.
If you are a resident insurance producer and do not pay your renewal fee and complete your CE requirements by your renewal date, your license and all appointments will be canceled.
How to change License information (i.e.: demographics)
• Please be reminded that it is your responsibility to keep your contact information current. Failure to receive.
Update your License Information
Print a Copy of the License
Initial Education Requirements
Download the Candidate Handbook and schedule the exam
Cancel License
License Voluntary – Surrender Request
Important Information
Change in Resident State (Individual or Business Entity Producers ONLY)