Can you obtain a license if you have a misdemeanor?

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PostPosted: Fri Feb 15, 2013 2:23 pm   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).



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PostPosted: Tue Mar 19, 2013 8:03 pm   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.


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PostPosted: Tue Mar 19, 2013 8:06 pm   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.


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PostPosted: Tue Mar 19, 2013 8:07 pm   Post subject: question  

What is a distribution offence? Please.


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helpannie
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PostPosted: Fri Mar 22, 2013 12:58 am   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.



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PostPosted: Thu Apr 25, 2013 11:23 am   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?


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jeanne10ec
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PostPosted: Thu Apr 25, 2013 1:02 pm   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...



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PostPosted: Tue Jul 16, 2013 1:26 pm   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 Sad I was so hopeful to finally make something of myself


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PostPosted: Tue Jul 16, 2013 1:40 pm   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.



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PostPosted: Wed Sep 18, 2013 9:30 pm   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


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PostPosted: Thu Sep 19, 2013 3:07 am   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.



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PostPosted: Wed Oct 30, 2013 5:48 pm   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?


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LISA MARIE
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PostPosted: Wed Oct 30, 2013 6:52 pm   Post subject:   

Quote:
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.


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PostPosted: Thu Oct 31, 2013 10:53 pm   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.


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LISA MARIE
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PostPosted: Fri Nov 01, 2013 2:26 pm   Post subject:   

Well, maybe South Carolina has changed its law. Most states follow the NAIC model regulations which call for 5 years.



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CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
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MaxHerr
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