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 Posted: Sat Apr 10, 2010 6:59 am Post subject: Do you think I will be able to get a license? |
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| I am from the state of Utah. I recently had an interview with the owner of many insurance agencies in our state. He really liked my resume and the person I am. I have prior felonies which happened 4 years ago, they are for prescription fraud. I worked for a dentist and I called in prescriptions without him knowing. I feel terrible and have never done anything like that since. I am working hard to become a better person, but I'm worried I won't be able to get my license. He said he would hire me if i got a license to be an insurance agent. I'm so excited to do this and have a lot of ambition. Do you think I will be able to get a license? |
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christieduffy
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| Posted: Sat Apr 10, 2010 12:58 pm Post subject: |
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christieduffy, if you don't get a response here from someone that KNOWS your states licensing requirements...just contact your states Dept of Ins..or check their site, I'm sure you can get the info there...and good for you for cleaning up your act...and good luck to you!
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Lori
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| Posted: Sat Apr 10, 2010 4:59 pm Post subject: |
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christieduffy, I think you may have a problem that may be solvable, assuming that you haven't had any problems since that point.
Federal law (18 USC, section 1033, 1034) prevents anyone with a felony involving breach of trust or dishonesty (yours qualifies as one of these) from getting an insurance license UNLESS you have the permission from the "insurance regulatory official" in your state. That's the Insurance Commissioner. You will have to seek "special" permission from your state's insurance commissioner in order to get your license.
You will have to fill out a "supplementary application" in addition to your standard, normal insurance license application. They're going to require a lot of information over and above the standard info required from an applicant. There's a lot of information out there...here's a link that you should read:
http://www.naic.org/documents/library_forms_1033shor.pdf
This is the site for the National Association of Insurance Commissioners (NAIC) and this particular link will give you an idea of what you're up against. It's certainly not impossible to get your license- you're just going to have to jump through a few more hoops than someone who hasn't had a felony conviction.
Let us know if you have any other questions and we'll see if we can help!
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InsTeacher
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| Posted: Sun Apr 11, 2010 10:54 am Post subject: |
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Thanks Teach...I was hoping you'd pop in on this thread!
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Lori
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| Posted: Wed Apr 14, 2010 3:16 am Post subject: license |
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i did not disclose a 30yr felony......the insurance commission found it.......bottom...line...i filed for the 1033 wavier....you will have to jump thru....some more hoops...but you should be able to get it.....also check your state site.....i also got appointed with some insurance companies.......so go for it......
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XXXXXXXXXXXXX
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| Posted: Sun Apr 18, 2010 5:23 am Post subject: |
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Not sure exactly what the law is in Utah; I glanced at it online to see if I could see anything special.
In California, the Insurance Code permits the Commissioner to deny an application for any insurance license without a hearing and without a right of appeal, if the applicant was convicted of ANY felony in the five years preceding the application. This has been the standard practice, to deny the application, on the basis that less than five years is not sufficient time to be rehabilitated from one's crime -- blue collar or white.
However, the CA Code goes on to state that another automatic decline could be for submitting a new application for a license within 5 years of having had a license application denied (or an existing license suspended or revoked). So doing it wrong could prevent a person from being licensed for many years to come in CA.
The same might also be true in Utah. If it is, you wouldn't want to submit an application for at least another year.
Your best bet is to call the Utah Dept of Insurance and speak to a producer licensing specialist or supervisor before you submit an application for a license.
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MaxHerr
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| Posted: Sat Jun 05, 2010 8:28 pm Post subject: worthless check |
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i wrote a worthless check 41 years ago(1967)at the age of 19.it was a misdeameanor and i paid a fine in the amount of $75.00.i don,t know if i acknowledged this on the application to sell insurance back in 1969 in texas.i have never disclosed it to license appointments with insurance companies.i am living in texas.can this misdemeanor come back on me ,and what can happen?
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buffy
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| Posted: Sun Jun 06, 2010 7:19 am Post subject: |
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| Quote: | | i wrote a worthless check 41 years ago(1967)at the age of 19.it was a misdeameanor and i paid a fine in the amount of $75.0 |
The question on the license application usually says, "Have you ever been convicted of a crime?" Ever knows no boundaries, but the states usually limit it to age 18. Since 19 comes after 18, it should have been disclosed, but it's highly unlikely that it will come back to haunt you now.
41 years ago, computers were the stuff of science fiction, and recordkeeping was on paper, microfilm, and microfiche. No one's going back through all that crap to look for you. Besides, it was a misdemeanor which is not normally a career-ending level of crime, although it was a "money" offense.
If you really have a guilty conscience about it now, and want to find out what will happen, then write to all the insurance companies you failed to disclose the information to, pour yourself a cool one, and wait and see. Or not.
I don't think I would worry about it now. If the state of Texas hasn't revoked your license in all these years, insurance companies are unlikely to penalize you, either. Chalk it up to the indiscretion of youth.
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CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
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