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Insurance licenses appear from many types depending on the kind of insurance some prospective agent or proven agent wishes to sell. Insurance licenses are issued by each express's department about insurance after paying any charge also passing a licensing certification test. Insurance licenses are obtainable for real estate and casualty lines such as automobile and homeowners. An insurance license can additionally be obtained to allow an agent to sell life insurance products.

Fire and Casualty

Individuals that want to sell insurance, act as an insurance policy delegate or start their own insurance policy agency will require a fire and property license. This type of license authorizes an unique to sell various kinds of general insurance products provided from a property plus casualty insurer. These include car, personal real estate, motorcycle as well whereas flood plus earthquake insurance policy. A license also authorizes 24-hour attention coverage, physical injury and long-term treatment insurance policy.

Limited Lines Car

This kind of license authorizes a delegate of insurance products to conduct only automobile insurance business yous some particular state. A limited lines automobile license with some states may also include motorcycles. Quite a few states possess insurance policy laws that is specifically define an automobile for the purposes of insurance. The most common definition is any private passenger automobile that is is intended only to private use.

Personal Lines

Lifetime-only Agent

Individuals that obtain a life-only agent license are authorized to conduct only lifetime insurance small business in a particular express. This contains providing coverage on man stays that provide benefits to the policyholder or a beneficiary. Coverage can consist about standard life insurance policy, annuities, accidental death or dismemberment and disability income. Specific kinds of insurance items that may be offered are listed on the license.

Accident plus Health

Exclusive accident and health agent is identical to some life-only license nevertheless contains further insurance products. Particular type about insurance product included along with this type of license is health insurance, which provides coverage with accidents also sickness. Another is worker's compensation. Personals for this kind of license can also provide credit disability insurance.