Insurance agents are critical in supplying the general public with a range of insurance policies and services that are necessary for daily living. As such, it’s only natural that all states need insurance brokers to be licensed prior to engaging them with the public and with state licensing standards varied, there’s a lot to understand. Can someone be licensed as an insurance agent in multiple states? The answer is yes.

With this in mind, a lot of insurance agents are seeking to extend their territory, but is it even feasible for agents to offer insurance products in several states?

You Are Able… However, It Is a Process

Yes, in summary. Insurance agents are permitted to offer insurance products in multiple states as long as they are licensed in the state(s) in which they want to sell them and the products are made available for sale in the state in which the agent intends to sell them. Having said that, no one license permits agents to offer insurance products in all 50 states.

As a result, insurance agents who want to sell insurance outside of their home state must acquire a “non-resident insurance license” in each state where they intend to offer insurance products.

Each state has its own set of rules and protocols for agents seeking a non-resident insurance license, which vary by state and kind of insurance.

In all other words, if an agent want to sell both life and health insurance in a separate state, they must get dual licensure as a life insurance agent and as a health insurance agent.

At the end of the day, it makes little difference what an insurance agent offers as long as they are licensed to market their products and comply with different state laws.

The Perfect Travel Insurance

Additional Difficulties

Along with the need that agents be licensed in each state in which they want to sell insurance products and for each kind of product they intend to sell in each state (e.g. life insurance, health insurance, homeowner’s insurance, etc. ), the licensing requirements would vary by state.

That example, although some jurisdictions, such as Colorado, do not need fingerprinting during the licensure process, others, such as California, do. Additionally, certain jurisdictions, such as Arizona, may not need pre-exam training, while others, such as Florida. Which may require up to 200 hours of pre-exam training, depending on the kind of insurance you want to sell.

Particular states may prohibit the sale of certain goods under their own set of state laws, which means that agents may find themselves in a position where the kind of insurance product they provide is not accessible in the state in which they want to sell products.

This roadblock may be especially distressing for agents who neglect to do due diligence before to obtaining a license in another state, since it may require agents to rethink their entire portfolio, sales strategy, and presentation.

While it is feasible for insurance agents to offer insurance products in several states, it is critical for agents to evaluate their choices and do research before venturing into cross-state insurance sales.

As we found, the procedure may be lengthy, time-consuming, obstacle-filled, and tough – and certain agents may find the endeavor less attractive based on their state’s license requirements.

To guarantee you make the most informed choice possible about your potential growth, do research, evaluate your alternatives, and proceed confidently. I hope this answered your question – Can someone be licensed as an insurance agent in multiple states?


This post contains affiliate links, which means that if you click on one of the product links, and make a purchase I’ll receive a small commission at no cost to you. Which helps me support the channel to make quality content and recommend products for you.