becoming an agent with felony

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PostPosted: Thu Mar 05, 2009 4:53 am   Post subject: becoming an agent with felony  

can i get an insurance license in the state of indiana with a felony dealing marijuana


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PostPosted: Thu Mar 05, 2009 1:02 pm   Post subject:   

jjd, how long ago was the conviction ?



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PostPosted: Fri Mar 06, 2009 7:40 am   Post subject:   

Hi, here is the link to a similar discussion. Hope you would find necessary information in it.



http://www.ampminsure.org/agents/license-with-misdemeanor.html

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PostPosted: Fri Mar 06, 2009 2:30 pm   Post subject:   

I guess it wouldn't be very easy but still I'd suggest you to stay honest whenever you're appearing for your license. In case you'd hide a serious conviction it might end up with the termination of your license at any point of time.


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PostPosted: Fri Mar 06, 2009 5:31 pm   Post subject:   

That's right, please stay honest and tell the truth on your application. Have an explanation of what happend and the correct dates of when this happened. Having and explanation is not to say that it will allow you proceed with the attainment of your life insurance liscensure, but it could allow you to get the right legal help you need and honest answers to your questions.



I have heard of people who have been dragged through circles for months thinking they could do something only to find out that a glitch from thier past was holding them back, and people were not giving the honest truth. But i wish you good luck and hope that everything works out good!

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PostPosted: Wed Mar 11, 2009 3:14 am   Post subject:   

I've heard that because many of the laws regarding marijuana possession, etc. have evolved...it has become easier to get old charges reduced (not necessarily expunged). I do not know what your conviction was related to, but would suggest that you first talk with a lawyer and see if there is any possibility of improving your record.

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PostPosted: Wed Mar 11, 2009 1:57 pm   Post subject:   

Quote:
I do not know what your conviction was related to,


The OP said:
Quote:
a felony dealing marijuana


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PostPosted: Wed Mar 11, 2009 9:39 pm   Post subject:   

I realize it was dealing marijuana, but there are a number of felony convictions beneath the ambiguous term. For example, if one was caught within 100 yards of a school...there is NO chance of having it expunged. A lot also depends on the amount of marijuana in possession.

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PostPosted: Thu Mar 12, 2009 4:56 am   Post subject:   

I think I'd be interested in knowing, how one can improve his record? What are the charges that can be erased from the record of the convict?


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PostPosted: Thu Mar 12, 2009 2:06 pm   Post subject:   

Most misdemeanors can be erased, and even some felonies can be reduced as far as the record goes. The process varies by state, but any local lawyer should be able to explain it and discuss the probability that it would actually go through. Felonies and convictions that involve bodily harm, assault, and any type of sex crimes are permanent.

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PostPosted: Thu Mar 12, 2009 2:09 pm   Post subject:   

But the fact of the matter is if the question on the application (likely) is: Have you EVER been convicted of a felony? even if it's removed...that doesn't negate the affirmative answer to this question does it? Because at one time 'yes' they were convicted of a felony..right?



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PostPosted: Thu Mar 12, 2009 9:47 pm   Post subject:   

You're absolutely correct, and the truth of the matter is it would help an insurance broker out more on the licensing side. If a charge was reduced it may allow them to still get a license. In fact, there was a story in the news here in SC where a teacher had a felony reduced (something from their college years) in order to receive a teaching license.



But to answer your question, it would be absolutely untruthful to answer no to the question have you ever been convicted of a felony. The best bet is to use the space to explain the felony conviction (not necessarily what it was) but simply to disclose that the court saw adequate to reduce the charge and it is not considered to be on the record.



It's the same thing with people who had a bankruptcy more than 10 years ago. It may not show up on their credit report, but they should truthfully answer the Have you ever declared bankruptcy question on a credit application.



If I were looking to hire an insurance agent, I would want to know that the conviction (whether erased or not) did not indicate that the applicant was dishonest, immoral, or a delinquent. I hired an individual to work in my office who actually was a convicted felon. The kicker is that she toilet papered a friend's house and mailbox and the friend's parents weren't so good natured about it. They pressed charges (on an 18y/o) and because it involved the mailbox, it was an automatic felony due to the federal offense. I was able to verify her story and had no problem hiring her because I knew that she was not an unethical, dishonest person!



Although, I really would have a hard time hiring an agent to represent my company that had exhibited poor judgment in the past. Any white collar crimes (theft, extortion, fraud, etc.) would automatically disqualify the person in my opinion!

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PostPosted: Tue Dec 07, 2010 12:06 pm   Post subject: felony bar to employment opportunity  

Individuals who show moral fiber and G-D directed courage in overcoming legal obstacles to self sufficiency and meaningful constructive employment should be allowed licensure in most fields. Because someone did something 5, 10 ,20, years ago, should his honest desires for constructive employment and ability to support himself be denied? The answer is clearly this. What would Jesus do? What would Abe Lincoln do? Clearly

forgive and forget. Did you ever make a mistake? Are you a living feeling human being?


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PostPosted: Tue Dec 07, 2010 12:06 pm   Post subject: felony bar to employment opportunity  

Individuals who show moral fiber and G-D directed courage in overcoming legal obstacles to self sufficiency and meaningful constructive employment should be allowed licensure in most fields. Because someone did something 5, 10 ,20, years ago, should his honest desires for constructive employment and ability to support himself be denied? The answer is clearly this. What would Jesus do? What would Abe Lincoln do? Clearly

forgive and forget. Did you ever make a mistake? Are you a living feeling human being?


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PostPosted: Tue Dec 07, 2010 6:26 pm   Post subject:   

Quote:
The answer is clearly this. What would Jesus do? What would Abe Lincoln do? Clearly forgive and forget. Did you ever make a mistake? Are you a living feeling human being?




Certainly, people have made mistakes and have repaired their lives in the aftermath. But federal law, 18 USC 1033 and 18 USC 1034 (the Federal Violent Crime Control and Law Enforcement Act) defines certain state and federal felonies that are serious enough to warrant not permitting a person to work in the financial services industry.



However, the law permits those persons to obtain an insurance producer's license if the state regulator approves a waiver for that person. If you have a prior felony conviction that warrants such treatment, and the crime was committed more than 10 years ago, you may be able to obtain the necessary waiver.



If not, you need to look for work in another industry. This has nothing to do directly with insurance companies, but with Congress that enacted the law.


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