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Producer, Individual

An insurance producer is a licensed salesperson working for an insurance agency. The main goal of the insurance producer is to acquire new customers and cross-sell new policies to existing customers of the agency.

All individuals (producers) are required to be licensed if they sell, solicit, or negotiate (act as a producer) insurance products in Idaho. 

Idaho Code

Idaho Statutes:

Title 41:

§41-1003 (Definitions)

§41-1004 (License Required)

§41-1005 (Exceptions to Licensing)

§41-1006 (Examination)

§41-1007 (Licensing Requirements)

§41-1008 (Lines of Authority, Reinstatements, Military, 30 day Address Change Requirement)

§41-1009 (State to State Address Change and Reciprocity)

§41-1011 (Refusal of License)

§41-1012 (Exemption from Exam and 90 day rule)

§41-1013 (Renewal/Reinstatement and late CE penalty requirements)

§41-1014 (DBA’s)

§41-1017 (Commissions)

§41-1018 (Appointments)

§41-1020 (Reciprocity)

§41-1021 (Reporting of Actions)

§41-1026 (Conditions of Suspension and Revocation)

§41-1028 (Inactive Status)

§41-1036 (Record Retention)

§41-1314 (Rebates – Illegal Inducements)

Title 30:

§30-21-801 through §30-21-810 (Use of a DBA/Assumed Business Name)

Title 30:

§30-21-801 through §30-21-810 (Use of a DBA/Assumed Business Name)

Rules:

IDAPA Rule 18

18.03.01 Suitability in Annuity Transactions

18.06.02 Producers Handling of Fiduciary Funds

18.03.03 Variable Contracts

18.02.03 Certificate of Liability Insurance for Motor Vehicles

18.03.04 Replacements of Life Insurance and Annuities

18.01.02 Schedule of Fees, Licenses, and other Misc. Charges

18.06.03 Disclosure Requirements for Insurance Providers when Charging Fees

18.06.04 Continuing Education

18.01.61 Credit Life and Credit Disability Insurance

Bulletin 11-01 Money Handling and Fiduciary Funds

Definitions

Producer: a person required to be licensed under the laws of the state of Idaho to sell, solicit, or negotiate insurance.

Person: an individual or a business entity.

Negotiate: 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.

Sell: to exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurance company.

Solicit: 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 insurance.

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 41-1008(1)(a) 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 41-1009(5), Idaho Code.

Resident: a person whose home state is Idaho or any other particular state identified in conjunction with the use of the term.

Home state:  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: 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: 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:  the current version of the national association of insurance commissioners (NAIC) uniform application for resident and nonresident producer licensing.

Types of Lines of Authority:

  • 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.
  • 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.
  • Property: insurance coverage for the direct or consequential loss or damage to property of every kind.
  • Casualty: insurance coverage against legal liability, including liability for death, injury or disability or damage to real or personal property.
  • Variable: life and variable annuity products, meaning insurance coverage provided under variable life insurance contracts and variable annuities.
  • Personal lines: meaning property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

For a full list of insurance licensing terms please click here.

Lines of Authority

The following lines of authority can be carried on a Producer License. For a printable version of this list click here.

  • 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.
  • 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.
  • Property: insurance coverage for the direct or consequential loss or damage to property of every kind.
  • Casualty: insurance coverage against legal liability, including liability for death, injury or disability or damage to real or personal property.
  • Variable: life and variable annuity products, meaning insurance coverage provided under variable life insurance contracts and variable annuities.
  • Personal lines: meaning property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.
  • Limited Lines: Please see the Limited Lines page for information on limited lines.

Activities Requiring a License

Idaho Codes §41-1003, §41-1004, §41-1005 describe the activities that require licensure in Idaho. Please refer to those for full details. Below is a summary list of activities that require a license.

Licensure is required for the following activities:

  • Talk to a customer or potential customer about insurance.
  • Sell any policy or contract for insurance.
  • Give advice about the benefits, advantages, or disadvantages under any policy of insurance that could be issued in Idaho.
  • Negotiate with a customer. This includes any interaction with the customer concerning the possibility of obtaining insurance

License Requirements

Residents must test and be fingerprinted prior to applying. Please see Resident Study/Testing Material and Exam/Fingerprinting Information Section for more information.

When applying for a limited lines license (such as Credit, Travel, Surety, or Pet), testing is not required. However, please download the Limited Lines Pre-licensing Manual and return the attestation page with license application. Fingerprinting is still required.

Idaho is reciprocal with the lines of authority carried on the home state licenses. The Department will verify current licenses with the PDB.

Producers applying for the Variable line must have a valid FINRA Broker Registration and carry the Life line of Authority.

Application Checklist

For a step-by-step guide to applying online check out our guides.

Resident

  • Application (via NIPR or Sircon).
  • Copy of Pass Slip(s)s from Exam(s) or Attestation page from Limited Lines Pre-Licensing Manual. For more information on testing click here.
  • CHRI Request and Release form. For more information on the fingerprints process click here.
  • Fingerprint Receipt (Handwritten fingerprint receipt that has the TCN TRACKING number on it)   
  • Non-Refundable Fee: $80.
  • If the applicant is not a citizen of the U.S, but are residing in Idaho and applying to become a resident producer, the application must be accompanied by a copy of a current work permit visa/Green Card. A student visa is not valid for purposes of this license.

Items not requiring a fee can be emailed to agent@doi.idaho.gov.

 Non-Resident

  • Online Application (via NIPR or Sircon)
  • Non-Refundable Fee: $80.
  • Producers applying for the Variable line must have a valid FINRA Broker Registration.

     Items not requiring a fee can be emailed to agent@doi.idaho.gov.

If applying by paper, checks or money orders should be made payable to the Idaho Department of Insurance. The application and attachments should be mailed to:

Idaho Department of Insurance

700 W State Street, 3rd Floor

PO Box 83720

Boise ID 83720-0043

Continuing Education

Resident producers must complete 24 hours of Continuing Education, with a minimum of 3 hours in ethics. These hours are due at the time of renewal.

The licensee may complete and submit the continuing education requirements late, however the license will not be active after the expiration of the license.

There are additional penalties for completing CE late.

The completion date of any course will determine which non-refundable penalty will apply.

  • $100.00 if Continuing Education is completed within 30 days of the expiration of the license.
  • $200.00 if Continuing Education is completed between 31 and 60 days of the expiration of the license.
  • $300.00 if Continuing Education is completed between 61 and 90 days of the expiration of the license.
  • $80.00 if the Continuing Education has is completed between 90 and 365 days of the expiration of the license. The producer must reapply and retest as though a new agent and fulfill Continuing Education requirement. They will not have to fingerprint. The fee in this instance is $80.

There is no penalty if CE has not been completed within 365 days.  However, the producer must retest, fingerprint, and reapply as if they are a new applicant.

The following lines require line specific training:

  • Long-term care
  • Flood insurance
  • Suitability in Annuity

Continuing Education Course Catalog is available on our website for a listing of providers and approved Idaho Continuing Education courses.

Exemptions for Continuing Education:

  • Business Entities
  • Non-resident Producers
  • Limited Lines/Credit Producers
  • Independent Adjusters
  • Surplus Lines

Click here for more CE information

Renewal Information

The Department considers the renewal of the license to be the responsibility of the licensee.

Individual Producer licenses renew every two years.

License renewal may be applied for up to 60 days prior to the expiration of the license.

Online Renewal

Renewal is available online via SIRCON or NIPR

The Non-Refundable renewal fee is $60 (plus vendor processing fee) if renewing prior to expiration date.

After the renewal has been submitted allow 24-48 hours before attempting to print the license.

Renew by Mail

The Non-Refundable mail-in renewal fee is $80 if renewing prior to expiration date.

If applying by paper, checks should be made payable to the Idaho Department of Insurance.

The application and attachments should be mailed to:

Idaho Department of Insurance

700 W State Street, 3rd Floor

PO Box 83720

Boise ID 83720-0043

Be sure to provide a current email address as the license will be emailed upon renewal.

Reinstatement Information

If the license has not been renewed before the expiration date, the license will require reinstatement.

Reinstatement is available up to one year past the expiration of the license.

If more than one year has past since the expiration of a resident license it can no longer be re-instated. After one year a new license will need to be applied for, including fingerprinting and testing.

Resident Checklist

  • Reinstatement form
  • The reinstatement fee varies depending on the status of CE.
  • If all CE was completed prior to expiration, or no CE was required the Non-Refundable fee is $160.
  • If CE was completed within 30 days after the expiration of the license the Non-Refundable fee is $260.00
  • If CE was completed within 60 days after the expiration of the license the Non-Refundable fee is $360.00
  • If CE was completed within 90 days after the expiration of the license the Non-Refundable fee is $460.00

Checks should be made payable to the Idaho Department of Insurance. The application and attachments should be mailed to:

Idaho Department of Insurance

700 W State Street, 3rd Floor

PO Box 83720

Boise ID 83720-0043

Non-Resident Checklist

Checks should be made payable to the Idaho Department of Insurance. The application and attachments should be mailed to:

Idaho Department of Insurance

700 W State Street, 3rd Floor

PO Box 83720

Boise ID 83720-0043

Reporting of Actions

Producers and agencies have a duty to report any criminal or administrative actions to the Idaho Department of Insurance within 30 days per §41-1021

Producers are encouraged to use the NIPR Reporting of Actions Warehouse at www.nipr.com as a convenient means to post documents and explanations in order to report to the Department and any state in which you are licensed.

FAQ

What is a ‘producer’?

Any person or entity required to be licensed under the laws of Idaho to sell, solicit and negotiate, consult, or advise with regard to insurance.

Who needs to be licensed?

All individuals and business entities, resident or non-resident, who sell, solicit or negotiate insurance in the State of Idaho must be licensed for any class or classes of insurance. Any business entity whose producers are acting under the entity’s name must be licensed.

How do I get a license in Idaho?

Resident licensing in Idaho requires taking the appropriate exams, being fingerprinted, and making an application either online or on paper. Those wanting a non-resident license in Idaho, are required to hold a valid resident license in your home and to submit, either online or on paper, a non-resident license application for the same license type. There are additional requirements for other types of licenses. For more detail, see our website, doi.idaho.gov, under Licensed Professionals.

How do I add a line of authority to my license?

Idaho resident licensees must first pass the appropriate exam and submit their pass slips to the to the Department. After pass slips have been submitted you can request the line  via  NIPR or Sircon  Non-resident licensees must first hold the requested line of authority on their resident license, then can request the line  via  NIPR or Sircon

Do I need to complete continuing education for Idaho?

Resident licensees are required to complete 24 hours of Continuing Education (CE), with a minimum of 3 hours in the Ethics course category, each 2-year license review period. Non-resident licensees are not required to complete CE for Idaho, but are required to maintain CE compliance in their resident license state.

How do I renew my license?

Renewals must be completed prior to the expiration date of your license. We have either online or paper renewal application processes that are available up to 60 days prior to the expiration date. Depending on your residence status and type of license, there are varying renewal requirements. For complete information, visit our website doi.idaho.gov, Licensed Professionals, License Type, Renewal information; or call for assistance.

My license expired; what do I do now?

Depending on how long the license has been expired, there are different requirements to reinstate your license. Look on our website for Renewal Information for your license type, or call the Department’s Licensing section for assistance.

My address/phone/email is wrong on my license, what do I need to do?

For individual licenses, you may now make updates to any of your contact information by using the Change function online at www.nipr.com. Once updated, allow 24 hours for the updated information to appear on our website.

I have moved, do I need to notify the Department?

Yes. It is your responsibility to notify and update the Department of any changes to the contact information for your license. Address changes need to be reported within 30 days. For individual licenses, you may now make updates to any of your contact information by using the Change function online at www.nipr.com.

I don’t need my license anymore, how do I deactivate it?

There is no negative consequence or penalty in Idaho for simply allowing your license to lapse for failure to renew. However, if you have a want to voluntarily surrender your license, you may submit the appropriate Voluntary Surrender Request form for this, found in the Forms/Links section on our website.

I am moving to Idaho, how do I change my license to Idaho?

Please visit our website for complete information on moving toe Idaho  

What is the PSI pre-licensing candidate handbook and why do I need it?

This booklet is prepared and provided by our exam vendor, PSI Exams, to guide you through the testing procedures and requirements. If provides important information and phone numbers, and can answer many questions you may have regarding how to arrange for your exams and fingerprints, and what to expect at the testing site. It can be found on our website on the Resident Study/Testing material and Exam/Fingerprinting information page.

Have more questions?
Contact the Licensing Team

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