Insurance license reciprocity and transfer, state by state
Moving with an insurance agent license? Here is what each state's board says it accepts from other states, with the partner lists exactly as the boards publish them.
On this page
How insurance agent licenses move between states
No license is valid nationwide: the board in the state you move to decides whether it accepts yours. Across the 48 states and DC we cover, the routes boards publish for the main insurance agent license are exam waiver (43), reciprocity agreements (23), military service members and spouses (4), license by endorsement (4) and temporary license or permit (2). What each route means.
Insurance agent reciprocity by state
| State | License | Routes the board publishes | States the board lists |
|---|---|---|---|
| Alabama | Insurance Producer (resident individual) | Exam waiver1 | – |
| Alaska | Insurance Producer (resident individual license) | Exam waiver2 | – |
| Arizona | Insurance producer (resident individual) | Exam waiver3 Military service members and spouses4 | – |
| Arkansas | Insurance producer (resident) | Exam waiver5 Military service members and spouses6 | – |
| California | Life-Only Agent | Reciprocity agreements7 License by endorsement8 | No list on the pages cited |
| Colorado | Insurance producer license, life line of authority | Reciprocity agreements9 | No list on the pages cited |
| Connecticut | Producer (Individual Only) | Reciprocity agreements10 Exam waiver11 | No list on the pages cited |
| Delaware | Insurance Producer | Reciprocity agreements12 Exam waiver12 | No list on the pages cited |
| District of Columbia | Resident insurance producer license, life and health group of lines (life; accident and health or sickness; variable life and variable annuity) | Reciprocity agreements13 Exam waiver13 Temporary license or permit14 | No list on the pages cited |
| Florida | 2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License | Reciprocity agreements15 Exam waiver16 | No list on the pages cited |
| Georgia | Resident Insurance Agent (Agent license) | No route published | – |
| Hawaii | Resident Insurance Producer – Individual | Exam waiver17 License by endorsement18 | – |
| Idaho | Producer, Individual | Exam waiver19 | – |
| Illinois | Resident Producer / Illinois Insurance Agent | Exam waiver20 | – |
| Indiana | Resident Insurance Producer (lines: Life; Health; Life and Health; Property and Casualty; Personal Lines) | Reciprocity agreements21 Exam waiver22 No reciprocity23 | No list on the pages cited |
| Iowa | Resident insurance producer license | Reciprocity agreements24 Exam waiver24 | No list on the pages cited |
| Kansas | Insurance Producer (Insurance Agent) | Reciprocity agreements25 Exam waiver25 | No list on the pages cited |
| Kentucky | Insurance Agent (Producer) | Reciprocity agreements26 Exam waiver27 | No list on the pages cited |
| Louisiana | Insurance Producer | Reciprocity agreements28 Exam waiver29 | No list on the pages cited |
| Maine | Insurance Producer | Reciprocity agreements30 Exam waiver31 | No list on the pages cited |
| Maryland | Insurance producer license (resident or nonresident), with lines of authority: life, health (accident and health or sickness), property, casualty, variable life and variable annuity, personal lines | Reciprocity agreements32 Exam waiver33 Temporary license or permit34 | No list on the pages cited |
| Massachusetts | Individual Insurance Producer license (one license with lines of authority: life; accident and health or sickness; property; casualty; variable life and variable annuity; personal lines; limited credit; travel) | Reciprocity agreements35 Exam waiver36 | No list on the pages cited |
| Michigan | Resident Producer (insurance producer/agent) license, issued by line of authority | Reciprocity agreements37 Exam waiver38 | No list on the pages cited |
| Minnesota | Insurance Producer (resident individual; major lines Life, Accident and Health or Sickness, Property, Casualty, Variable Life and Variable Annuity, Personal Lines; limited lines Credit, Farm Property and Liability, Title, Travel, Bail Bonds) | Reciprocity agreements39 Exam waiver40 | No list on the pages cited |
| Mississippi | Insurance Producer license | Reciprocity agreements41 Exam waiver42 | No list on the pages cited |
| Missouri | Nonresident producer license | Reciprocity agreements43 Exam waiver44 | No list on the pages cited |
| Montana | Resident insurance producer license | Reciprocity agreements45 | No list on the pages cited |
| Nebraska | Resident insurance producer license | Exam waiver46 Reciprocity agreements47 | No list on the pages cited |
| Nevada | Producer (resident producer of insurance) | Exam waiver48 License by endorsement49 | – |
| New Hampshire | Resident Individual Producer | Exam waiver50 License by endorsement50 | – |
| New York | Excess lines broker license | No reciprocity51 | – |
| North Carolina | Insurance producer license (resident) | Exam waiver52 | – |
| North Dakota | Resident insurance producer license | Exam waiver53 Reciprocity agreements54 | No list on the pages cited |
| Ohio | Resident insurance agent license | Exam waiver55 Reciprocity agreements56 | No list on the pages cited |
| Oklahoma | Resident Producer (Insurance Producer) | Exam waiver57 | – |
| Oregon | Resident insurance producer license | Exam waiver58 Military service members and spouses58 | – |
| Pennsylvania | Insurance Producer Resident - Individual | Exam waiver59 | – |
| Rhode Island | Insurance Producer License (Rhode Island resident individual) | Exam waiver60 | – |
| South Carolina | Resident producer (insurance producer license) | Exam waiver61 | – |
| South Dakota | Resident producer (insurance producer license) | Exam waiver62 | – |
| Tennessee | Insurance producer license | Exam waiver63 Military service members and spouses64 | – |
| Texas | General lines - life, accident, health and HMO | Reciprocity agreements65 Exam waiver66 | No list on the pages cited |
| Utah | Resident Producer license (individual), with lines of authority | Exam waiver67 | – |
| Vermont | Producer License (resident) | Exam waiver68 | – |
| Virginia | Resident insurance agent (producer) license: Life and Annuities, Health, Property and Casualty, Personal Lines, Title or Variable Contracts qualification | Exam waiver69 | – |
| Washington | Insurance producer license (resident; full lines: life, disability, property, casualty, personal lines) | Exam waiver70 | – |
| West Virginia | Resident Producer | Exam waiver71 | – |
| Wisconsin | Intermediary Individual (Producer/Agent) — resident | Exam waiver72 | – |
| Wyoming | Resident insurance producer license | No route published | – |
Each state's own board decides whom it accepts. Before you move, read the conditions on the state page and confirm with the board.
Sources
Every number and rule above links to one of these official pages. Select a footnote number to read the board's own words.
- Code of Alabama 1975 § 27-7-29.1Alabama LegislatureChecked November 7, 2026
- Alaska Statutes ch. 21.27 (AS 21.27.010-21.27.990), print viewAlaska State LegislatureChecked November 8, 2026
- Licensing - Insurance Professionals - DIFIArizona Department of Insurance and Financial InstitutionsChecked November 7, 2026
- A.R.S. § 20-284Arizona State LegislatureChecked November 7, 2026
- 23 CAR pt. 14 Prelicense Education for Insurance Producers and AdjustersCode of Arkansas RulesChecked November 7, 2026
- 23 CAR pt. 44 Automatic and Expedited Licensure for Military Service Members, Veterans, and SpousesCode of Arkansas RulesChecked November 7, 2026
- Cal. Insurance Code sec. 1638.5California Legislative CounselDated July 23, 2021Checked November 7, 2026
- Cal. Insurance Code sec. 1749California Legislative CounselDated January 1, 2026Checked November 7, 2026
- Colorado Revised Statutes 2024, Title 10 (excerpt: article 2, parts 1-5)Colorado General Assembly, Office of Legislative Legal ServicesChecked November 8, 2026
- Producer (Individual Only) - CT Insurance DepartmentConnecticut Insurance DepartmentChecked November 7, 2026
- General Statutes of Connecticut Chapter 701a Insurance Producers, Third-Party Administrators...Connecticut General AssemblyChecked November 7, 2026
- Title 18 Chapter 17 Insurance ProducersDelaware General AssemblyChecked November 8, 2026
- General Information for Producers / AgentsDistrict of Columbia Department of Insurance, Securities and BankingChecked November 7, 2026
- D.C. Code 31-1131.11Council of the District of ColumbiaChecked November 7, 2026
- 8-15 Non-Resident Health and Life PDFFlorida Department of Financial Services, Division of Insurance Agent and Agency ServicesChecked November 8, 2026
- Fla. Stat. s. 626.292Florida Legislature (Online Sunshine)Checked November 8, 2026
- Examination InformationHawaii Department of Commerce and Consumer Affairs, Insurance DivisionChecked November 7, 2026
- Continuing Education (CE) FAQHawaii Department of Commerce and Consumer Affairs, Insurance DivisionChecked November 8, 2026
- Idaho Code 41-1012 Exemption from examinationIdaho LegislatureChecked November 7, 2026
- Moving to or from IllinoisIllinois Department of InsuranceChecked November 7, 2026
- Non-Resident Agent LicensingIndiana Department of InsuranceChecked November 7, 2026
- Transferring Resident LicenseIndiana Department of InsuranceChecked November 7, 2026
- Designated Home State (DHS) Producer LicenseIndiana Department of InsuranceChecked November 7, 2026
- Iowa Code ch. 522B Licensing of Insurance ProducersIowa LegislatureDated December 9, 2025Checked November 8, 2026
- K.S.A. 40-4901 to 40-4918 (Uniform Insurance Agents Licensing Act)Kansas Office of Revisor of StatutesChecked November 8, 2026
- KY DOI Agent Licensing FAQKentucky Department of InsuranceChecked November 8, 2026
- KRS 304.9 (agents) selected sections and KRS 304.4-010Kentucky Legislative Research CommissionChecked November 8, 2026
- La. R.S. 22:1548 Nonresident licensingLouisiana State LegislatureChecked November 7, 2026
- La. R.S. 22:1551 Exemption from examinationLouisiana State LegislatureChecked November 8, 2026
- 24-A M.R.S. §1420-GMaine State LegislatureChecked November 7, 2026
- 24-A M.R.S. §1420-HMaine State LegislatureChecked November 8, 2026
- MIA Producer Initial and Renewal LicensesMaryland Insurance AdministrationChecked November 8, 2026
- Md. Code, Insurance § 10-119Maryland General AssemblyChecked November 8, 2026
- Md. Code, Insurance § 10-120Maryland General AssemblyChecked November 7, 2026
- DOI Adding a New Line of Authority to An Active Producer LicenseMassachusetts Division of InsuranceChecked November 8, 2026
- DOI Individual Insurance ProducerMassachusetts Division of InsuranceChecked November 8, 2026
- How to Become Licensed as a Non-Resident ProducerMichigan Department of Insurance and Financial ServicesChecked November 7, 2026
- How to Become a Resident Producer When Moving to MichiganMichigan Department of Insurance and Financial ServicesChecked November 7, 2026
- Minnesota Statutes chapter 60K, Insurance Producers (full chapter)Minnesota Office of the Revisor of StatutesChecked November 8, 2026
- Resident ProducersMinnesota Department of CommerceChecked November 7, 2026
- MID Licensing Updates and FAQMississippi Insurance DepartmentChecked November 7, 2026
- Individual Insurance Producer license instructionsMississippi Insurance DepartmentDated November 2017Checked November 7, 2026
- RSMo 375.017Missouri Revisor of StatutesDated January 1, 2003Checked November 7, 2026
- Non-resident producer licensing application requirementsMissouri Department of Commerce and InsuranceChecked November 8, 2026
- MCA 33-17-212 Examination required -- exceptions -- feesMontana Legislature (Montana Code Annotated 2025)Checked November 7, 2026
- Candidate Information Bulletin (PSI, hosted by DOI)Nebraska Department of InsuranceChecked November 7, 2026
- Neb. Rev. Stat. 44-4055 Nonresident license; requirementsNebraska LegislatureChecked November 7, 2026
- Licensing FAQs for Applicants and Licensees (PDF)Nevada Division of InsuranceDated April 18, 2025Checked November 8, 2026
- NRS Chapter 683A Persons Involved in Sale or Administration of InsuranceNevada Legislature (Legislative Counsel Bureau)Dated April 15, 2026Checked November 8, 2026
- RSA Chapter 402-J Insurance Producers (merged chapter)New Hampshire General CourtChecked November 8, 2026
- Information for Insurance Agents and BrokersNew York State Department of Financial ServicesDated September 30, 2026Checked November 8, 2026
- North Carolina Residents License Requirements chartNC Department of InsuranceDated December 2, 2025Checked November 7, 2026
- NDID nonresident-producerNorth Dakota Insurance DepartmentChecked November 7, 2026
- NDCC ch. 26.1-26 Insurance ProducersNorth Dakota Legislative AssemblyChecked November 7, 2026
- Ohio Revised Code Chapter 3905 Insurance AgentsOhio Legislative Service CommissionChecked November 8, 2026
- Non-Resident AgentOhio Department of InsuranceChecked November 7, 2026
- Resident State ChangeOklahoma Insurance DepartmentChecked November 7, 2026
- Producer licensingOregon Division of Financial RegulationChecked November 7, 2026
- Update Your Producer/Agent License InformationPennsylvania Insurance DepartmentChecked November 7, 2026
- R.I. Gen. Laws § 27-2.4-11State of Rhode Island General AssemblyChecked November 7, 2026
- S.C. Code Title 38 Chapter 43South Carolina LegislatureChecked November 8, 2026
- Non-Resident ProducersSouth Dakota Department of Labor & Regulation, Division of InsuranceChecked November 7, 2026
- Tennessee Code Unannotated - Free Public Access: search results for T.C.A. 56-6-103 to 56-6-121 (section…Tennessee Code Unannotated - Free Public Access (official free access provided by LexisNexis for the State of Tennessee)Checked November 8, 2026
- Agent/Producer ResourcesTennessee Department of Commerce and InsuranceChecked November 8, 2026
- General lines apply – life, accident, health and HMOTexas Department of InsuranceDated November 2, 2026Checked November 8, 2026
- Texas Insurance Code ch. 4003Texas Legislature (Texas Legislative Council), Texas Constitution and StatutesChecked November 8, 2026
- Exam & Licensing ProceduresUtah Insurance DepartmentChecked November 8, 2026
- 8 V.S.A. chapter 131 Insurance Agents and BrokersVermont General AssemblyChecked November 8, 2026
- Code of Virginia § 38.2-1818Virginia General Assembly (Legislative Information System)Checked November 7, 2026
- RCW 48.17.175Washington State LegislatureChecked November 7, 2026
- W. Va. Code §33-12-14West Virginia LegislatureChecked November 8, 2026
- Agent Frequently Asked QuestionsWisconsin Office of the Commissioner of InsuranceDated July 17, 2026Checked November 8, 2026