Can you obtain a license to sell life and health insurance if you have a misdemeanor but no felonies in the past 10 years?
Posted: 04 Mar 2009 07:48 Post Subject:
depends on the state but yes, most likely if the conviction did not have ANYTHING to do with theft or deceit
Posted: 05 Mar 2009 01:35 Post Subject:
That would also be my guess. I can not imagine not giving somebody a chance if they have a fairly clean record unless it did have to do with fraud or deciept.
Posted: 05 Mar 2009 05:46 Post Subject:
The insurance agent licensing application would include questions regarding past felonies and misdemeanors. It may exclude traffic violation citations & juvenile offenses. Hence, the nature of the misdeed would certainly affect your prospects of becoming agent.
When you would appear for the licensing exam the finger printing fees would include charges for back-ground check as well, hence, you mustn’t lie in the application since it’d certainly get declined. Stay honest, at least you may get a chance to plead your case.
Posted: 05 Mar 2009 12:20 Post Subject:
I'd bet on traffic (drivers license) being run...juvenille...no way...don't think anybody can request that info...or even get it for that matter...those records are sealed...
Posted: 11 Mar 2009 03:19 Post Subject:
I answered in reference to a felony conviction question as well...You may want to check with a local lawyer and see if their is any opportunity to get your conviction or charge expunged. Judges are more and more willing to help improve the records of someone who has stayed out of trouble for a number of years!
Posted: 29 Apr 2011 07:07 Post Subject: D Felony
I have been convicted of a D Felony concerning 2 DUI's and 2 Driving under influence of prescription drugs. I have served my time and have been clean for 2 years. I have an opportunity to work in an insurnace office if I get my Insurance License. Do you think there is a chance that the Indiana Dept. of Insurance would grant me Insurance Liscenses with my past issues?
Posted: 06 May 2011 07:36 Post Subject:
Maybe, maybe not. 4 DUI convictions is pretty serious, and 2 years "clean" may not be sufficient time to pass to show that you have "rehabilitated" your character. In California, this would most likely result in your license application being denied without a hearing, and you would not be able to reapply for any insurance license for a minimum of 5 years.
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 11:34 Post Subject:
if i expunge it or seel it will it still be a issuse with the state?
While sealing/expunging a conviction will conceal it from view by most parties, it will not conceal it from state or federal authorities. They may not be able to "see" into the case file, but they will be able to find evidence of the conviction.
Your event should not be an issue as a misdemeanor. It simply needs to be disclosed. Contact your state's Dept of Insurance and discuss the matter with them directly.
Posted: 12 Jul 2012 01:32 Post Subject: insurance fraud
Hi, does your like of work involve any type of insurance fraud investigation? Thank you.
Posted: 12 Jul 2012 02:11 Post Subject:
Yes, it does. Contact me directly with your concerns.
Posted: 15 Feb 2013 11:59 Post Subject: Drug Conviction
I have a misdemeanor drug abuse charge in Ohio from 7 years ago. Do you think this would affecy my chances of obtaining a license?
Posted: 15 Feb 2013 02:23 Post Subject:
Were you charged or convicted? If convicted, you have to disclose this fact, but unless the conviction was for a distribution offense, it will not interfere with your licensing (assuming the rest of your background is clean).
Posted: 19 Mar 2013 08:03 Post Subject: theft
I have a couple different counts on my record dating close to 7 years back...theft in a business setting/personal setting, theft in a store, and I have had bad checks. No felonies. I have to take my exam in the next week, Should I just stop my studing? Is it worth it? I really was hoping this was a 'break' for me...but after reading chapter 12 I am afraid to continue. Please give me advice A.S.A.P.
Posted: 19 Mar 2013 08:06 Post Subject: theft
I believe I was charged and convicted. I have owi and driving misd. The owi was in the last 3. Bad checks were recent. All theft was about 7 years ago, but no felonies.
Posted: 19 Mar 2013 08:07 Post Subject: question
What is a distribution offence? Please.
Posted: 22 Mar 2013 12:58 Post Subject:
A "distribution" offense is like Possession of Marijuana with Intent to Distribute. Normally a felony.
Your chances of being licensed are not the greatest. Failure to disclose 100% of your criminal and civil problems will cause you you to lose your chance of being licensed.
Posted: 25 Apr 2013 11:23 Post Subject: Felony Charge
I was convicted of theft/fraud of a credit card about 14 years ago and have had no other offenses since. I was sent to a hospital where it was determined that I was suffering from Bi-Polar Disorder but being treated for depression at the time of the offense. I am now on the correct medications. Do I stand a chance of getting a license to sell insurance in SC?
Posted: 25 Apr 2013 01:02 Post Subject:
Did the judgment go against you? Anyway, this offense can't be considered under felony or misdemeanor. You need to obtain a criminal history report from the South Carolina Law Enforcement Division and submit it with the SC Dept. of Insurance after you have submitted your application.
Perhaps, you are going to get through considering the passage of time that elapsed and your health reasons. I'm not sure about the time-frame though. Let's see what the experts say...
Posted: 16 Jul 2013 01:26 Post Subject:
So in a nutshell....if you have any convictions make sure to give plenty of info and just hope you are accepted? So it's a game of chance? Wish there was some way to know before I spend so much money to just be denied! Single mother can barely afford to take the test and now am worried I might lose out on over $200 almost done with class but wonder if I should even continue...offenses were 8 yrs ago no felonies but still a theft is on my record :( I was so hopeful to finally make something of myself
Posted: 16 Jul 2013 01:40 Post Subject:
You haven't posted any information for anyone to give you an opinion. If you have no felony convictions, and your offenses are more than 5 years old, chances are your application will not be declined. But it's the regulator who makes the final determination. Before your application is denied, you would at least have to be given a hearing to determine whether you are "fit" to be licensed.
Posted: 18 Sep 2013 09:30 Post Subject: New york life accident and health renewal
I recently was charged with a dwi in New York July 7 2013. How will that effect the renewal in November and will private insurance companies that I represent during open enrollment (Medicare advantage)deny my appointment
Posted: 19 Sep 2013 03:07 Post Subject:
Each insurance company has its own criteria, so it's not possible to say what the ramifications might be. Were you only charged or have you been convicted? A DUI conviction is a reportable offense, but unless there are other issues not disclosed here, normally that alone would not cause a problem with one's license. A second offense within 1-3 years could be a problem.
Posted: 30 Oct 2013 05:48 Post Subject: 2 shoplifting convictions
I am trying to reapply for the states insurance license for the second time. I was denied 3 yrs ago because of my charges...one in 2001 and 2004. there has been no other convictions. im trying to get a pardon. do I have a chance at all?
Posted: 30 Oct 2013 06:52 Post Subject:
do I have a chance at all?
ABSOLUTELY NOT!!
State insurance laws permit the Commissioner (Superintendent, or Director) to deny a new license application if a previous license application was denied within the past five years.
Even though your offenses occurred 9 and 12 years ago, the fact that your license application was denied 3 years ago is what will cause it to be denied again. If you wait at least two more years, you may have a chance.
Posted: 31 Oct 2013 10:53 Post Subject: do i have a chance at all
Why did my letter tell me I could reapply in 2 years if state laws say 5 years? I live in South Carolina.
Posted: 01 Nov 2013 02:26 Post Subject:
Well, maybe South Carolina has changed its law. Most states follow the NAIC model regulations which call for 5 years.
Posted: 02 Dec 2013 04:50 Post Subject: South Carolina 2yr wait
It is best to wait the full 5yrs so that you are not turned down without a review. You are allowed to submit earlier but it will be a waste of your time and that letter may have been a typo. I would check to see the model that South Carolina follows, most states go by NAIC model min 5yrs
Posted: 02 Dec 2013 09:35 Post Subject:
It could, but probably will not. You need to ask the state insurance regulator.
Posted: 17 Dec 2013 12:25 Post Subject: misd b&e with intent of larceny charge x 2
it has been 7 yrs ive made my mistakes and have paid and suffered for years now i have been rehabilitated for 7 yrs minus a possession of maryjuana in 2010 im about to file for my license in the state of ohio to sell life and health insurance, what are my chances of being apprroved??? i have also had a few theft charges from way back in 2001 that i almost always forget about little stuff u know a pack of smokes or a drive off. i have served my time and paid my dues. Is there anything that will help my chances of obtaining it. im sick of being and working lowerclass jobs im the hardest working man there is i want my chance at success please help with any info thanks.
Posted: 17 Dec 2013 01:19 Post Subject:
Theft offenses are among those under scrutiny, as are drug offenses. You won't know until you apply for a license and submit a 1033 Consent Waiver application.
Posted: 17 Dec 2013 03:09 Post Subject:
i read something about being able to have a hearing to be judged if your fit for a license, is this possible for me to do incase i do get denied and how would i go about doing so, im a changed man and only want whats best for me and my lady. thanks for all the info
Posted: 17 Dec 2013 03:36 Post Subject:
Hearings are at the discretion of the regulator. Under certain conditions, the regulator is not required to conduct a hearing and there is no right of appeal in those cases. You have to discuss the matter with the state Dept of Insurance.
Posted: 29 Dec 2013 03:08 Post Subject: Drug Conviction
I don't think your past drug conviction from 7 years ago will affect you getting licensed. I had a friend who had a misdemeanor charge for paraphanalia and got a massage license a couple years later with no problems. For anyone else wondering if they can get a license with a history of criminal convictions..it depends on the severity I'd guess..but why would you go through all that trouble when you can still sell discount healthcare benefits. It's not insurance, but you don't need a license and you're not restricted to selling it in one state. I just looked it up and it's available to all states except Alaska, Wyoming, Vermont, N.Dakota, S.Dakota, and Montana. Hope this helps. You can check my profile for more info.
Posted: 29 Dec 2013 11:00 Post Subject:
Anything is possible. As long as you disclose it on our application you will have done the right thing at this time. If you are in doubt, call your state Department of Insurance and ask them. Each state treats misdemeanor convictions differently.
I've seen people with drug offenses such as possession of marijuana or misdemeanor assault obtain a license without so much as a question from the Dept of Insurance, while a person I know who pled no contest to a misdemeanor "lewd conduct" offense and has successfully completed three years of probation is being called to a public hearing because he has been deemed "unfit" to hold an insurance license. Go figure.
Posted: 29 Dec 2013 11:05 Post Subject:
why would you go through all that trouble when you can still sell discount healthcare benefits.
BEWARE OF PERSONS SELLING "DISCOUNT HEALTHCARE BENEFITS".
THOSE "PLANS" ARE **NOT** HEALTH INSURANCE AND WILL NOT PREVENT YOU FROM HAVING TO PAY THE "SHARED RESPONSIBILITY PAYMENT" TO THE IRS FOR NOT HAVING A QUALIFIED HEALTH PLAN AS REQUIRED BY THE PPACA.
DISCOUNT HEALTH PLANS ARE WORTHLESS!!
WORSE THAN THAT, THEY COST YOU MONEY WITH WHICH YOU COULD BE PAYING LEGITIMATE HEALTH INSURANCE PREMIUMS.
Anyone paying cash for health care can ask a doctor or hospital for a discount, and will receive a reduction of up to 30% to 50%. You don't need to pay some outfit $40+ per month for crap like this. And that's exactly what it is . . . CRAP.
Mr. Discount Healthcare is not a licensed insurance agent, and sells "discount" dental plans for $19.95 per month. When you compare the "benefits" of his plan to a legitimate Dental HMO plan, you will discover that you will pay far more out of pocket for "discount dental" than you will for an insured dental plan.
Don't waste your hard earned money on this junk.
Posted: 03 Feb 2014 05:59 Post Subject: obtain license to sell insurance
Had 2 felony larceny by employee charges. Deferred prosecution. Allowed charges to be dropped. Can I obtain license to sell insurance in North Carolina?
Posted: 04 Feb 2014 03:25 Post Subject:
The answer depends on whether you have been CONVICTED or only charged. If you were never convicted, then you will probably not have any issues to resolve. But the crimes you committed would be of the type that are covered under the 18 USC 1033 prohibition if you were convicted.
Posted: 07 Mar 2014 10:39 Post Subject: DUI Conviction
If a person is a licensed insurance agent (Virginia) and they are convicted of a 1st time DUI offense, do they lose their license to sell insurance? If they don't lose their license, when are the companies with which the agent is appointed made aware of the conviction? Is it up to each company's rules if they are to pull the agent's appointment?
Posted: 08 Mar 2014 12:35 Post Subject:
Most states and insurance companies require convictions to be reported immediately. A DUI conviction could result in a license suspension, but probably not a revocation unless there are other things in your past.
How an insurance company chooses to handle a conviction varies from company to company.
But one thing is certain . . . failure to disclose is far worse than the disclosure itself.
Posted: 08 May 2014 07:25 Post Subject: dui 22 yrs ago can i get life insurance license?
Does a background check in georgia for a dui 22yrs will this affect me getting my life insurance license?
Posted: 08 May 2014 07:57 Post Subject:
You must disclose all convictions after age 18. Will it hinder your ability to be licensed? Probably not, especially if you've kept your nose clean since then.
Posted: 07 Jul 2014 07:48 Post Subject: Can I get it?
I was arrested in college for ownership of a fake id and they charged me a felony but reduced it to a misdemeanor and I believe it was expunged. I have not gotten my fingerprints done yet but I have passed the exam... I'm assuming the fingerprints will show the misdeanor at the very most. Will they allow me to obtain the agent license?
Posted: 08 Jul 2014 01:52 Post Subject:
Well, college could have been last year or 50 years ago or somewhere in between. Whether the crime was "expunged" or not, it must still be reported, and you will have to provide a copy of the court order concerning the original conviction. Failure to disclose the conviction in your application for a license is about as close to a death sentence as you can get, so if you didn't report it, good luck. If you did report it, expect to have to explain it to a judge.
Posted: 10 Jul 2014 06:09 Post Subject:
Im taking my California state exam tomorrow for a life agent. How difficult will it be for me to obtain the license w/ a misdemeanor for paraphernalia in 2011/12. And in 2010 I got arrested for intent to distribute marijuana but was never convicted and was later expunged. I have kept my nose clean since then and trying to make a name for myself and be successful. Any help or advice I can get to improve my chances of getting my license? Thanks!
Posted: 11 Jul 2014 05:31 Post Subject:
a misdemeanor for paraphernalia in 2011/12. And in 2010 I got arrested for intent to distribute marijuana but was never convicted and was later expunged
You will very likely be called to an administrative hearing to explain why you should be granted a license. Your offenses will be characterized as lacking in integrity and that it would not be in the public interest for you to be licensed. Your offenses are too recent to be able to say "I have kept my nose clean."
I am also concerned with your statement about "later expunged". If you were not convicted, there would be nothing to expunge. So why make this statement?
Posted: 18 Nov 2014 01:26 Post Subject: misdemeanor and getting a license for insurance in ohio
I was found guilty after The girl wanted to drop charges. I was at the seen and jjust tried to pull the one person off. Well I guess I have a misdemeanor on me now for that. But in the records say the arresting officer is the person who the fight was with. That was 7 urs ago. Will that stop me getting my license and could I ft that ex sponged due to the fact that they have it wrong..
Posted: 18 Nov 2014 01:42 Post Subject:
Not likely to be a major problem, but all convictions must be reported in your license application, even those later expunged by the court. Only the Insurance Commissioner knows the answer to your question.
Posted: 04 Mar 2009 07:48 Post Subject:
depends on the state but yes, most likely if the conviction did not have ANYTHING to do with theft or deceit
Posted: 05 Mar 2009 01:35 Post Subject:
That would also be my guess. I can not imagine not giving somebody a chance if they have a fairly clean record unless it did have to do with fraud or deciept.
Posted: 05 Mar 2009 05:46 Post Subject:
The insurance agent licensing application would include questions regarding past felonies and misdemeanors. It may exclude traffic violation citations & juvenile offenses. Hence, the nature of the misdeed would certainly affect your prospects of becoming agent.
When you would appear for the licensing exam the finger printing fees would include charges for back-ground check as well, hence, you mustn’t lie in the application since it’d certainly get declined. Stay honest, at least you may get a chance to plead your case.
Posted: 05 Mar 2009 12:20 Post Subject:
I'd bet on traffic (drivers license) being run...juvenille...no way...don't think anybody can request that info...or even get it for that matter...those records are sealed...
Posted: 11 Mar 2009 03:19 Post Subject:
I answered in reference to a felony conviction question as well...You may want to check with a local lawyer and see if their is any opportunity to get your conviction or charge expunged. Judges are more and more willing to help improve the records of someone who has stayed out of trouble for a number of years!
Posted: 29 Apr 2011 07:07 Post Subject: D Felony
I have been convicted of a D Felony concerning 2 DUI's and 2 Driving under influence of prescription drugs. I have served my time and have been clean for 2 years. I have an opportunity to work in an insurnace office if I get my Insurance License. Do you think there is a chance that the Indiana Dept. of Insurance would grant me Insurance Liscenses with my past issues?
Posted: 06 May 2011 07:36 Post Subject:
Maybe, maybe not. 4 DUI convictions is pretty serious, and 2 years "clean" may not be sufficient time to pass to show that you have "rehabilitated" your character. In California, this would most likely result in your license application being denied without a hearing, and you would not be able to reapply for any insurance license for a minimum of 5 years.
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 01:17 Post Subject: i have a old theft charge
i have a m4 "attempted theft" charge in Ohio. I am taking the exam in a few days. will this be a waste??? I was 19 and i am 30 now. i have had NO other convictions that have anything to do with character or theft, dishonesty, ect. If it is a problem, if i expunge it or seel it will it still be a issuse with the state?
Posted: 23 Mar 2012 11:34 Post Subject:
if i expunge it or seel it will it still be a issuse with the state?
While sealing/expunging a conviction will conceal it from view by most parties, it will not conceal it from state or federal authorities. They may not be able to "see" into the case file, but they will be able to find evidence of the conviction.
Your event should not be an issue as a misdemeanor. It simply needs to be disclosed. Contact your state's Dept of Insurance and discuss the matter with them directly.
Posted: 12 Jul 2012 01:32 Post Subject: insurance fraud
Hi, does your like of work involve any type of insurance fraud investigation? Thank you.
Posted: 12 Jul 2012 02:11 Post Subject:
Yes, it does. Contact me directly with your concerns.
Posted: 15 Feb 2013 11:59 Post Subject: Drug Conviction
I have a misdemeanor drug abuse charge in Ohio from 7 years ago. Do you think this would affecy my chances of obtaining a license?
Posted: 15 Feb 2013 02:23 Post Subject:
Were you charged or convicted? If convicted, you have to disclose this fact, but unless the conviction was for a distribution offense, it will not interfere with your licensing (assuming the rest of your background is clean).
Posted: 19 Mar 2013 08:03 Post Subject: theft
I have a couple different counts on my record dating close to 7 years back...theft in a business setting/personal setting, theft in a store, and I have had bad checks. No felonies. I have to take my exam in the next week, Should I just stop my studing? Is it worth it? I really was hoping this was a 'break' for me...but after reading chapter 12 I am afraid to continue. Please give me advice A.S.A.P.
Posted: 19 Mar 2013 08:06 Post Subject: theft
I believe I was charged and convicted. I have owi and driving misd. The owi was in the last 3. Bad checks were recent. All theft was about 7 years ago, but no felonies.
Posted: 19 Mar 2013 08:07 Post Subject: question
What is a distribution offence? Please.
Posted: 22 Mar 2013 12:58 Post Subject:
A "distribution" offense is like Possession of Marijuana with Intent to Distribute. Normally a felony.
Your chances of being licensed are not the greatest. Failure to disclose 100% of your criminal and civil problems will cause you you to lose your chance of being licensed.
Posted: 25 Apr 2013 11:23 Post Subject: Felony Charge
I was convicted of theft/fraud of a credit card about 14 years ago and have had no other offenses since. I was sent to a hospital where it was determined that I was suffering from Bi-Polar Disorder but being treated for depression at the time of the offense. I am now on the correct medications. Do I stand a chance of getting a license to sell insurance in SC?
Posted: 25 Apr 2013 01:02 Post Subject:
Did the judgment go against you? Anyway, this offense can't be considered under felony or misdemeanor. You need to obtain a criminal history report from the South Carolina Law Enforcement Division and submit it with the SC Dept. of Insurance after you have submitted your application.
Perhaps, you are going to get through considering the passage of time that elapsed and your health reasons. I'm not sure about the time-frame though. Let's see what the experts say...
Posted: 16 Jul 2013 01:26 Post Subject:
So in a nutshell....if you have any convictions make sure to give plenty of info and just hope you are accepted? So it's a game of chance? Wish there was some way to know before I spend so much money to just be denied! Single mother can barely afford to take the test and now am worried I might lose out on over $200 almost done with class but wonder if I should even continue...offenses were 8 yrs ago no felonies but still a theft is on my record :( I was so hopeful to finally make something of myself
Posted: 16 Jul 2013 01:40 Post Subject:
You haven't posted any information for anyone to give you an opinion. If you have no felony convictions, and your offenses are more than 5 years old, chances are your application will not be declined. But it's the regulator who makes the final determination. Before your application is denied, you would at least have to be given a hearing to determine whether you are "fit" to be licensed.
Posted: 18 Sep 2013 09:30 Post Subject: New york life accident and health renewal
I recently was charged with a dwi in New York July 7 2013. How will that effect the renewal in November and will private insurance companies that I represent during open enrollment (Medicare advantage)deny my appointment
Posted: 19 Sep 2013 03:07 Post Subject:
Each insurance company has its own criteria, so it's not possible to say what the ramifications might be. Were you only charged or have you been convicted? A DUI conviction is a reportable offense, but unless there are other issues not disclosed here, normally that alone would not cause a problem with one's license. A second offense within 1-3 years could be a problem.
Posted: 30 Oct 2013 05:48 Post Subject: 2 shoplifting convictions
I am trying to reapply for the states insurance license for the second time. I was denied 3 yrs ago because of my charges...one in 2001 and 2004. there has been no other convictions. im trying to get a pardon. do I have a chance at all?
Posted: 30 Oct 2013 06:52 Post Subject:
do I have a chance at all?
ABSOLUTELY NOT!!State insurance laws permit the Commissioner (Superintendent, or Director) to deny a new license application if a previous license application was denied within the past five years.
Even though your offenses occurred 9 and 12 years ago, the fact that your license application was denied 3 years ago is what will cause it to be denied again. If you wait at least two more years, you may have a chance.
Posted: 31 Oct 2013 10:53 Post Subject: do i have a chance at all
Why did my letter tell me I could reapply in 2 years if state laws say 5 years? I live in South Carolina.
Posted: 01 Nov 2013 02:26 Post Subject:
Well, maybe South Carolina has changed its law. Most states follow the NAIC model regulations which call for 5 years.
Posted: 02 Dec 2013 04:50 Post Subject: South Carolina 2yr wait
It is best to wait the full 5yrs so that you are not turned down without a review. You are allowed to submit earlier but it will be a waste of your time and that letter may have been a typo. I would check to see the model that South Carolina follows, most states go by NAIC model min 5yrs
Posted: 02 Dec 2013 09:35 Post Subject:
It could, but probably will not. You need to ask the state insurance regulator.
Posted: 17 Dec 2013 12:25 Post Subject: misd b&e with intent of larceny charge x 2
it has been 7 yrs ive made my mistakes and have paid and suffered for years now i have been rehabilitated for 7 yrs minus a possession of maryjuana in 2010 im about to file for my license in the state of ohio to sell life and health insurance, what are my chances of being apprroved??? i have also had a few theft charges from way back in 2001 that i almost always forget about little stuff u know a pack of smokes or a drive off. i have served my time and paid my dues. Is there anything that will help my chances of obtaining it. im sick of being and working lowerclass jobs im the hardest working man there is i want my chance at success please help with any info thanks.
Posted: 17 Dec 2013 01:19 Post Subject:
Theft offenses are among those under scrutiny, as are drug offenses. You won't know until you apply for a license and submit a 1033 Consent Waiver application.
Posted: 17 Dec 2013 03:09 Post Subject:
i read something about being able to have a hearing to be judged if your fit for a license, is this possible for me to do incase i do get denied and how would i go about doing so, im a changed man and only want whats best for me and my lady. thanks for all the info
Posted: 17 Dec 2013 03:36 Post Subject:
Hearings are at the discretion of the regulator. Under certain conditions, the regulator is not required to conduct a hearing and there is no right of appeal in those cases. You have to discuss the matter with the state Dept of Insurance.
Posted: 29 Dec 2013 03:08 Post Subject: Drug Conviction
I don't think your past drug conviction from 7 years ago will affect you getting licensed. I had a friend who had a misdemeanor charge for paraphanalia and got a massage license a couple years later with no problems. For anyone else wondering if they can get a license with a history of criminal convictions..it depends on the severity I'd guess..but why would you go through all that trouble when you can still sell discount healthcare benefits. It's not insurance, but you don't need a license and you're not restricted to selling it in one state. I just looked it up and it's available to all states except Alaska, Wyoming, Vermont, N.Dakota, S.Dakota, and Montana. Hope this helps. You can check my profile for more info.
Posted: 29 Dec 2013 11:00 Post Subject:
Anything is possible. As long as you disclose it on our application you will have done the right thing at this time. If you are in doubt, call your state Department of Insurance and ask them. Each state treats misdemeanor convictions differently.
I've seen people with drug offenses such as possession of marijuana or misdemeanor assault obtain a license without so much as a question from the Dept of Insurance, while a person I know who pled no contest to a misdemeanor "lewd conduct" offense and has successfully completed three years of probation is being called to a public hearing because he has been deemed "unfit" to hold an insurance license. Go figure.
Posted: 29 Dec 2013 11:05 Post Subject:
why would you go through all that trouble when you can still sell discount healthcare benefits.
BEWARE OF PERSONS SELLING "DISCOUNT HEALTHCARE BENEFITS".
THOSE "PLANS" ARE **NOT** HEALTH INSURANCE AND WILL NOT PREVENT YOU FROM HAVING TO PAY THE "SHARED RESPONSIBILITY PAYMENT" TO THE IRS FOR NOT HAVING A QUALIFIED HEALTH PLAN AS REQUIRED BY THE PPACA.
DISCOUNT HEALTH PLANS ARE WORTHLESS!!
WORSE THAN THAT, THEY COST YOU MONEY WITH WHICH YOU COULD BE PAYING LEGITIMATE HEALTH INSURANCE PREMIUMS.
Anyone paying cash for health care can ask a doctor or hospital for a discount, and will receive a reduction of up to 30% to 50%. You don't need to pay some outfit $40+ per month for crap like this. And that's exactly what it is . . . CRAP.
Mr. Discount Healthcare is not a licensed insurance agent, and sells "discount" dental plans for $19.95 per month. When you compare the "benefits" of his plan to a legitimate Dental HMO plan, you will discover that you will pay far more out of pocket for "discount dental" than you will for an insured dental plan.
Don't waste your hard earned money on this junk.
Posted: 03 Feb 2014 05:59 Post Subject: obtain license to sell insurance
Had 2 felony larceny by employee charges. Deferred prosecution. Allowed charges to be dropped. Can I obtain license to sell insurance in North Carolina?
Posted: 04 Feb 2014 03:25 Post Subject:
The answer depends on whether you have been CONVICTED or only charged. If you were never convicted, then you will probably not have any issues to resolve. But the crimes you committed would be of the type that are covered under the 18 USC 1033 prohibition if you were convicted.
Posted: 07 Mar 2014 10:39 Post Subject: DUI Conviction
If a person is a licensed insurance agent (Virginia) and they are convicted of a 1st time DUI offense, do they lose their license to sell insurance? If they don't lose their license, when are the companies with which the agent is appointed made aware of the conviction? Is it up to each company's rules if they are to pull the agent's appointment?
Posted: 08 Mar 2014 12:35 Post Subject:
Most states and insurance companies require convictions to be reported immediately. A DUI conviction could result in a license suspension, but probably not a revocation unless there are other things in your past.
How an insurance company chooses to handle a conviction varies from company to company.
But one thing is certain . . . failure to disclose is far worse than the disclosure itself.
Posted: 08 May 2014 07:25 Post Subject: dui 22 yrs ago can i get life insurance license?
Does a background check in georgia for a dui 22yrs will this affect me getting my life insurance license?
Posted: 08 May 2014 07:57 Post Subject:
You must disclose all convictions after age 18. Will it hinder your ability to be licensed? Probably not, especially if you've kept your nose clean since then.
Posted: 07 Jul 2014 07:48 Post Subject: Can I get it?
I was arrested in college for ownership of a fake id and they charged me a felony but reduced it to a misdemeanor and I believe it was expunged. I have not gotten my fingerprints done yet but I have passed the exam... I'm assuming the fingerprints will show the misdeanor at the very most. Will they allow me to obtain the agent license?
Posted: 08 Jul 2014 01:52 Post Subject:
Well, college could have been last year or 50 years ago or somewhere in between. Whether the crime was "expunged" or not, it must still be reported, and you will have to provide a copy of the court order concerning the original conviction. Failure to disclose the conviction in your application for a license is about as close to a death sentence as you can get, so if you didn't report it, good luck. If you did report it, expect to have to explain it to a judge.
Posted: 10 Jul 2014 06:09 Post Subject:
Im taking my California state exam tomorrow for a life agent. How difficult will it be for me to obtain the license w/ a misdemeanor for paraphernalia in 2011/12. And in 2010 I got arrested for intent to distribute marijuana but was never convicted and was later expunged. I have kept my nose clean since then and trying to make a name for myself and be successful. Any help or advice I can get to improve my chances of getting my license? Thanks!
Posted: 11 Jul 2014 05:31 Post Subject:
a misdemeanor for paraphernalia in 2011/12. And in 2010 I got arrested for intent to distribute marijuana but was never convicted and was later expunged
You will very likely be called to an administrative hearing to explain why you should be granted a license. Your offenses will be characterized as lacking in integrity and that it would not be in the public interest for you to be licensed. Your offenses are too recent to be able to say "I have kept my nose clean."I am also concerned with your statement about "later expunged". If you were not convicted, there would be nothing to expunge. So why make this statement?
Posted: 18 Nov 2014 01:26 Post Subject: misdemeanor and getting a license for insurance in ohio
I was found guilty after The girl wanted to drop charges. I was at the seen and jjust tried to pull the one person off. Well I guess I have a misdemeanor on me now for that. But in the records say the arresting officer is the person who the fight was with. That was 7 urs ago. Will that stop me getting my license and could I ft that ex sponged due to the fact that they have it wrong..
Posted: 18 Nov 2014 01:42 Post Subject:
Not likely to be a major problem, but all convictions must be reported in your license application, even those later expunged by the court. Only the Insurance Commissioner knows the answer to your question.
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