Individual Producers are required to be licensed in Idaho if they sell, solicit, or negotiate insurance products in Idaho.
Specific license types may have other requirements. See Application Checklist section for further information.
Idaho Code in Connection with Individual Producers
IDAPA Rule 18
- 18.01.09 Suitability in Annuity Transactions
- 18.01.10 Producers Handling of Fiduciary Funds
- 18.01.15 Fingerprinting of Producer Licensing Applicants
Bulletin 11-01 Money Handling and Fiduciary Funds
- 18.01.16 Variable Contracts
- 18.01.17 Surplus Lines – Delegation of Responsibilities
- 18.01.18 Open Lines for Export – Surplus Lines
- 18.01.34 Certificate of Liability Insurance for Motor Vehicles
- 18.01.41 Replacements of Life Insurance and Annuities
- 18.01.44 Schedule of Fees, Licenses, and other Misc. Charges
- 18.01.52 Disclosure Requirements for Insurance Providers when Charging Fees
- 18.01.53 Continuing Education
- 18.01.56 Rebates and Illegal Inducements to Obtaining Title Insurance Business
- 18.01.61 Credit Life and Credit Disability Insurance
Not all inclusive. Please refer to Chapter 10 for further definitions.
- "Producer" means a person required to be licensed under the laws of the state of Idaho to sell, solicit, or
- "Person" means an individual or a business entity.
- "Negotiate" means the act of conferring directly with or offering advice directly to a purchaser or prospective
purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of
the contract, provided that the person engaged in the act either sells insurance or obtains insurance from insurers
- "Sell" means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an
- "Solicit" means attempting to sell insurance or asking or urging a person to apply for a particular kind of
insurance from a particular company or companies.
- "Limited lines producer" means a producer authorized by the director to sell, solicit or negotiate limited lines
- "Limited lines insurance" is insurance which restricts the authority of the license to less than the total
authority prescribed in the associated major lines pursuant to section
through (g), Idaho Code, and shall include, but not be limited to: credit life, credit disability, credit property, credit
unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile
protection (GAP) insurance, transportation baggage insurance, transportation ticket policies covering personal accident
insurance, pet insurance, portable electronics insurance or any other line of insurance that the director deems necessary
to recognize for the purposes of complying with section
- “Resident” means a person whose home state is Idaho or any other particular state identified in conjunction with
the use of the term.
- "Home state" means the District of Columbia and any state or territory of the United States or any province of
Canada in which an insurance producer maintains his or her principal place of residence or principal place of
business and is licensed to act as an insurance producer.
- "License" means a document issued by the director authorizing a person to act as an insurance producer for the
lines of authority specified in the document. The license itself does not create any authority, actual, apparent
or inherent, in the holder to represent or commit an insurance carrier.
- "Terminate" means the cancellation of the relationship between an insurance producer and the insurer or the
termination of a producer's authority to transact insurance for or on behalf of an insurer.
- "Uniform application" means the current version of the national association of insurance commissioners (NAIC)
uniform application for resident and nonresident producer licensing.
- Types of Lines of Authority:
- (a) Life: coverage on human lives, including benefits of endowment and annuities, benefits in the event of
death or dismemberment by accident, and benefits for disability income.
- (b) Disability (often referred to as Health in other states): including accident and health or sickness
insurance coverage for sickness, bodily injury or accidental death and benefits for disability income.
- (c) Property: insurance coverage for the direct or consequential loss or damage to property of every kind.
- (d) Casualty: insurance coverage against legal liability, including liability for death, injury or disability
or damage to real or personal property.
- (e) Variable: life and variable annuity products, meaning insurance coverage provided under variable
life insurance contracts and variable annuities.
- (f) Personal lines: meaning property and casualty insurance coverage sold to individuals and families
for primarily noncommercial purposes.
Idaho Code responding to this question:
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ACTIVITIES WHICH DO NOT REQUIRE AN INSURANCE LICENSE:
Idaho Code responding to this question:
- 41-1004(1) License required: to sell, solicit, negotiate, including offering any advice, counsel, opinion or service with respect to
benefits advantages or disadvantages under any policy of insurance that could be issued in Idaho.
- 41-1003 Definitions:
- See (6) Negotiate, means the act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of
a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract, provided that
the person engaged in the act either sells insurance or obtains insurance from insurers for purchasers.
- See (10) Sell, means to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurance company.
- See (11) Solicit, means attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a
particular company or companies.
- 41-1005 Exceptions to Licensing—provided only indirectly related to the sale of insurance and not receiving commissions:
- Activities of an officer, director or employee— if executive, administrative, managerial, clerical or combination of any of these
- Activities for underwriting, loss control, inspection or processing, adjusting, investigating, or settling of a claim on a contract of insurance
- Acting in the capacity of a special agent or agency supervisor assisting producers and limited to providing technical advice and assistance and
does not include the sale, solicitation or negotiation of insurance
- Person who secures and furnishes information for the purpose of group life, group property & casualty, group annuities, group or blanket accident
or health or for purposes of enrolling individuals under plans, issuing certificates under plans or otherwise assisting in administering plans or
performing administrative services related to mass-marketed P&C insurance
- Person engaged in the administration or operation of a program of employee benefits for the employer’s or association’s own employees or employees
of subsidiaries or affiliates as long as not compensated directly by carrier issuing contracts
- Employees engaging in the inspection rating or classification of risks or in the supervision of the training of insurance producers and who are not
engaged in sale, solicitation, negotiation or receiving a commission