Insurance licensing in the United States is primarily handled at the state level. There is no single nationwide application that automatically authorizes someone to sell every type of insurance in every state.
What matters in practice
Start with the state where you plan to operate and the lines of authority you intend to pursue. Review that state's licensing requirements, examination or education rules where applicable, and any business-entity requirements. The National Association of Insurance Commissioners (NAIC) provides consumer and regulatory resources, but the relevant state insurance department is the authority to consult for specific licensing decisions.
A useful next step
Before launching an agency, document which people and entities need licensing, which products they will handle, and how renewals and continuing obligations will be tracked. Verify every requirement with the appropriate state regulator.
Frequently asked questions
Where should I verify the rules?
Start with the regulator responsible for the relevant state, product, or activity, and review current official requirements. This page does not establish that a specific license or business model is permitted.
Can I use this as an insurance recommendation?
No. This is general educational content for insurance professionals. Individual recommendations require a review of customer needs, policy terms, and applicable duties.
Official resource
NAIC.
Explore Planeia
Learn more about the Planeia approach to organizing agency work. Confirm current product capabilities before planning an implementation.
Legal and compliance considerations
Producer licensing is governed by applicable state law. A state-issued license specifies lines of authority; it does not itself establish authority to bind an insurer. Verify resident or nonresident licensing, business-entity rules, and carrier appointments where applicable.
Primary regulatory starting points: NAIC, producer licensing and state regulation, NAIC, how model laws work, and the insurance department in the state concerned. NAIC model laws are not automatically binding state law. This is general information, not legal advice or a customer-specific insurance recommendation.
Check your state's rules
U.S. state-law reminder: This page provides general information only. Insurance licensing, producer duties, disclosures, compensation, marketing, privacy, and related requirements may differ by state and by line of insurance. Before acting, check the current laws and guidance of the specific state's insurance department and obtain qualified local advice when needed. NAIC model laws do not automatically have legal force in every state.