Producer (Individual)

Definition

INSURANCE PRODUCER – The producer license is the 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.
• Candidates are required to present either the pre-licensing education certificate or pre-licensing waiver letter at the exam center.
• Download the Candidate Handbook and schedule the exam.
• After successfully passing the exam, wait for 1-2 days before applying for the license.
  
  (Note: You are not required to submit the examination results; the Department will verify this information with our vendor)
• Apply for the license by visiting the National Insurance Producer Registry (NIPR). Navigate to the Licensing Center and choose “Apply for a New License.”

IMPORTANT NOTICES:

1. 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.
2. 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.

• Apply Now
• Download Candidate Handbook

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.”

• Apply Now

How to Renew

• Renewal notices are EMAILED about 90 days before the expiration date.
• Residents MUST complete their continuing education (CE) requirement BEFORE they will be able to submit the renewal application.
  • Individuals whose CE requirements are not posted as COMPLIANT by the last day of their expiration date will NOT be able to submit the renewal application/fee.
  • If the CE requirements are completed 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 (no late 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.”
  • Payment Methods: NIPR accepts Visa, MasterCard, Discover, American Express, PayPal, or electronic checks. Note: The Department does not accept cash or paper checks.
  • Updating Contact Information: It is your responsibility to keep your contact information current. Failure to receive a renewal notification does NOT excuse you from renewal obligations. To change or update your email or address, update your information on NIPR. Allow one to two business days for changes to be applied. Note: You cannot update information once you start processing your renewal through NIPR.

IMPORTANT NOTICES:

1. 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.
2. PRODUCERS should not choose the CERTIFIED INSURANCE CONSULTANT license class. Refunds are not available.

• Renew with NIPR

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.
• If you have completed your CE course(s) and the information is not shown 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 Producer Handbook and FAQs

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 the 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.”

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 renewal notices or other important correspondence due to outdated contact information does not excuse you from meeting renewal deadlines or other regulatory requirements. Ensure that your address, phone number, and email are up-to-date to avoid any disruptions in your licensing status.

Update your License Information

Print a Copy of the License

Search and print a license

Waivers due to Designations

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.

Cancel License

License Voluntary – Surrender Request

Important Information

Change in Resident State (Individual or Business Entity Producers)

This license type does not require fingerprints.