What qualifications do you need to be an insurance agent?

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PostPosted: Fri Dec 14, 2007 5:44 am   Post subject: What qualifications do you need to be an insurance agent?  

Can someone explain what the process is to become one? I'm considering taking up a career in it.



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PostPosted: Fri May 02, 2008 9:08 pm   Post subject:   

Basically to become an agent:



First: You have to decide what lines of insurance you want to sell.



Second: you have to take state approved pre-licensing classes for the types you wish to sell.



Third: You have to pass the state exams for the lines you wish to sell.



Fourth: You have to get appointed in your state with the insurance carriers you wish to have product lines through.

This can done through a captive agency, an FMO/IMO, or sometimes directly from the insurance carrier.



That is the easy part...



mac

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beatuplunchbox
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PostPosted: Sat May 03, 2008 1:25 pm   Post subject:   

well said mac

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PostPosted: Thu Jun 05, 2008 5:07 pm   Post subject:   

I think beatuplunchbox have already said it all. Just follow those steps. Good luck your insurance career. Hope you can help many people for their financial needs.

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PostPosted: Sat Jun 19, 2010 1:21 am   Post subject:   

How I could report a insurance office that the agents are not license


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PostPosted: Sun Jun 20, 2010 1:26 pm   Post subject:   

contact your states dept of insurance. They all have websites.



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PostPosted: Sat Jul 17, 2010 9:09 pm   Post subject: Can you?  

Can you be an insurance agent if you have a felony?


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anonymous4
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PostPosted: Sun Jul 18, 2010 11:40 pm   Post subject:   

you can be a geco or "flo's" dog and do the job us agents do. LOL


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PostPosted: Thu Jul 22, 2010 4:43 pm   Post subject: Licensing  

Oh yeah, You will also need fairly good credit as for all companies will do a credit check on you before appointing you to sell their products!


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PostPosted: Wed Aug 11, 2010 6:02 am   Post subject: unsure of area to pursue  

Hi all, I am considering getting my license in life , health , and variable annutiy. I have taken my certification and also worked as a temp licensed agent for lib nat. Now I am thinking of getting my agent license. The only thing is i may wish to pursue a different area such as property & casualty. My question is can I do both or would I have to choose one or the other? Also should I start where I left off w/ life ,health and annuities or should I go for the other license.? I also like the idea of auto insurance, but I wish to choose the area of less charge back until I get well versed in the industry. If anyone is available to answer my questions, I would be greatful. I am 30 looking for a career and so far I like and am good w/ Insurance issues. Still have alot to learn.

P.S. Hungary for success! ConfusedVery Happy


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PostPosted: Wed Aug 11, 2010 5:37 pm   Post subject:   

You can definitely do all of the above. As a matter of fact, if you dont you are missing out on a lot of opportunities.



The licensing requirements do still vary somewhat from state to state, so you should likely consult your state's Department of Insurance for the licensing requirements for P & C. But. typically the P & C license is an additional license and will not replace what you already have.



The P & C side of the business can provide a lot of stability due to the ability to build substantial renewals.



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PostPosted: Sat Sep 24, 2011 4:36 pm   Post subject: bad credit  

If you have very poor credit and have passed your exams is there a job for you in the insurance industry until you get your credit repaired?


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PostPosted: Sun Sep 25, 2011 2:51 pm   Post subject:   

There are some companies that might not hire you, but you should not experience too much of that.



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PostPosted: Tue Jan 03, 2012 5:02 am   Post subject:   

can u become an agent if you have a felony that is about to get exponged?


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PostPosted: Tue Jan 03, 2012 8:00 am   Post subject:   

Any felony conviction is a reportable "event" in an application for an insurance producer's license. Whether it impairs your ability to be licensed is up to the insurance regulator in your state.



A federal law known as the Violent Crime Control and Law Enforcement Act (18 U.S.C. 1033, 1034) describes the kind of offenses intended to bar certain felons from the financial services arena. Generally, a felony conviction for money or property crimes is in the category that is defined as prohibited without a "Consent Waiver."



Each case is reviewed separately, and a determination is made. If your conviction occurred any time within the past 5 years, don't even think of applying for a license in any state until after at least 5 years have gone by.



Only if a felony conviction is overturned on appeal might you be able to apply sooner. Expungement is not the same thing.



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