How to get a Resident Individual Producer license in New Hampshire

New Hampshire insurance agent licenses

New Hampshire issues 3 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

Applies to every license level

These rules are the same for several of the New Hampshire insurance agent licenses on this page, so they are shown once here, with the licenses they apply to. Each license's own section lists only what differs.

1. Every license level (all 3)

Fees

How to apply

Apply online

nipr.com⁴

Processing time

Online NIPR/SBS applications are processed within 24 hours of receipt unless the application has affirmative (disclosure) answers⁴

Renewal

How often

Every 2 years⁴

Renew online

nipr.com²

2. Every license level except Resident Business Entity / Non Resident Business Entity

What it covers

Sell, solicit or negotiate insurance in the licensed lines of authority: Life; Accident and health or sickness; Property; Casualty; Variable life and variable annuity products; Personal lines property and casualty; Credit (limited line); other lines permitted by law¹

Requirements

Background check

Background check required¹
License may be refused, suspended or revoked for causes in RSA 402-J:12, including a felony conviction; written reasons and a right to request a hearing¹

Fees

Renewal

Renewal fee

$150³ (Individual producer, resident or nonresident)

3. Every license level except Resident Individual Producer

Requirements

Exam

Not required¹

Who needs a Resident Individual Producer license

Work that does not need this license:

• No license needed for insurer officers/employees who get no commission and do only administrative, underwriting/claims or technical-support work (RSA 402-J:4)¹

Other rules on who may do this work:

• Agencies that sell, solicit or negotiate in their own name (including advertising) need a business entity license⁴

Requirements for a Resident Individual Producer license

More rules for this license are shared with other levels: group 1 and group 2 under Applies to every license level.

Minimum age

18 years old¹

Education or training

Who may teach it: The Department lists study-material suppliers but does not recommend or evaluate them²

Exam

New Hampshire producer licensing examination for each line of authority applied for²
Given by: PSI (test centers in Concord, Keene, Nashua, Newington and Portsmouth, or remote online proctoring)⁴
When you can take it: No prelicensing course is required; register with PSI directly⁴
Exam covers the lines applied for, producer duties and New Hampshire insurance law¹
Retakes: After a no-show or fail, re-apply and pay all fees again before rescheduling¹
Exam waived: No exam for applicants previously licensed for the same lines in another state (currently licensed, or applying within 90 days of cancellation in good standing); movers must apply within 90 days of establishing NH residence¹

Residency or citizenship

New Hampshire resident (others use the nonresident license)¹

Also required

Keep your address, including email, current: notify within 30 days²

How much a Resident Individual Producer license costs

The board's pages we cite do not list the exam fee.

How to apply

1. Register with PSI and pass the New Hampshire exam for each line of authority you want (no prelicensing course required).²
2. Apply online through NIPR and pay the $210 initial license fee.⁴
3. Get appointed by each insurer you will represent; the insurer files the appointment through NIPR within 15 days.⁴

Temporary or provisional license

The commissioner may issue a temporary producer license for up to 180 days without exam (death/disability of a business entity designee, a producer entering the armed forces, or public interest)¹

Renewal and continuing education

When it expires

Individual licenses expire on the last day of the birth month; the first license runs to the second birth month after issue, then renews for two full years⁴

Continuing education

24 hours each renewal period¹

Required topics

3 to 10 of the 24 hours must be approved ethics courses¹
CE must be complete 60 days before license expiration; resident producers with a major line must be CE compliant to renew²
Property & casualty resident producers have a flood insurance training requirement⁶
Annuity sellers must complete the best-interest annuity training required by rule (Ins 300)²

Approved courses

Courses must be approved by the Insurance Department; providers file courses and credits through SBS¹

Exemptions

Nonresidents who meet their home-state CE are exempt¹

Late renewal

Reinstatement fee: $300⁵ (expired less than 2 years (renewal fee plus late fee; RSA 402-J:7, III: penalty of double the unpaid renewal fee))
Late renewal fee: $150³ (statutory add-on to the $150 renewal fee (together = the $300 reinstatement fee on the fee page))
Late completion of continuing education: $50³ (resident producers completing CE late)

If it expires

No late renewals: an expired license needs a new application; within 2 years pay double the fee and be CE-compliant, after 2 years apply as a new applicant⁴
Reinstatement within 24 months without re-taking the exam (RSA 402-J:7, III)¹
Appointments end when a license is not renewed on time²
Licensees unable to renew because of military service or other extenuating circumstances may request a waiver of renewal procedures, exam requirement or late fines¹

Moving to New Hampshire with a license from another state

These are the routes the New Hampshire Insurance Department publishes for the Resident Individual Producer license. The other insurance agent licenses have their own routes in their sections below.

Military service members, veterans and spouses: Producers in military service may request a waiver of renewal procedures, exams and late fines; a temporary license can be issued to the designee of a producer entering active service¹

Non Resident Individual Producer

Requirements

Experience

Must be currently licensed as a resident and in good standing in the home state¹

Residency or citizenship

Resident of another state whose home state treats New Hampshire residents the same way¹

Fees

How to apply

1. Hold an active resident producer license in good standing in your home state.¹
2. Apply online on NIPR and pay the $210 fee.⁴
3. Get appointed by each insurer you represent (filed by the insurer through NIPR).⁴

Renewal

When it expires

License stays in effect while the renewal fee is paid and the home-state license remains in good standing; losing the home-state license ends the NH nonresident license¹

Late renewal

Reinstatement fee: $300⁵ (expired less than 2 years (renewal fee plus late fee; RSA 402-J:7, III: penalty of double the unpaid renewal fee))
Late renewal fee: $150³ (statutory add-on to the $150 renewal fee (together = the $300 reinstatement fee on the fee page))

If it expires

Reinstatement within 2 years requires good standing in the home state²
No late renewals: an expired license needs a new application; within 2 years pay double the fee and be CE-compliant, after 2 years apply as a new applicant⁴
Licensees unable to renew because of military service or other extenuating circumstances may request a waiver of renewal procedures, exam requirement or late fines¹

From another state

More rules for this license are shared with other levels: group 1, group 2 and group 3 under Applies to every license level.

Resident Business Entity

A business entity (corporation, partnership, LLC, etc.) acting as an insurance producer, including an agency selling, soliciting, negotiating or advertising in its own name¹

Requirements

Business requirements

Designate a licensed producer (DRLP) responsible for compliance, licensed for all lines the entity holds¹

Business requirements

Register the entity name with the NH Secretary of State before applying⁴

Business requirements

Nonresident entities must also hold each line in their resident state⁴

Fees

How to apply

1. Register the business name with the NH Secretary of State.⁴
2. Name a designated responsible licensed producer licensed for the same lines.²
3. Apply for the business entity license online through NIPR and pay the fee.⁴

Renewal

When it expires

Business entity licenses expire May 31 and renew for two full years; the DRLP cannot be changed through renewal⁴

Renewal fee

$150⁵ (General fee applicable to all license types)

Late renewal

Reinstatement fee: $300⁵ (expired less than 2 years (renewal fee plus late fee; RSA 402-J:7, III: penalty of double the unpaid renewal fee))

If it expires

No late renewals: an expired license needs a new application; within 2 years pay double the fee and be CE-compliant, after 2 years apply as a new applicant⁴

From another state

More rules for this license are shared with other levels: group 1 and group 3 under Applies to every license level.

City and county rules

Resident Business Entity / Non Resident Business EntityProducer licensing is statewide (New Hampshire Insurance Department); no city or county producer license.²

Laws and rules

The requirements above come from these laws and board rules.

• RSA ch. 402-J (Producer Licensing), incl. 402-J:3, :5, :6, :7, :7-a, :8, :9, :11, :12, :16
• RSA 400-A:29, X

Rule changes since January 2024

• December 1, 2024: Fee for changing a business entity's designated responsible licensed producer dropped.⁴

Common questions

Insurance agent licenses in other states

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