Why it matters
The NAIC encourages states to follow uniform licensing standards, and federal law pushed states toward reciprocity for nonresident producers. In practice, a state with reciprocity may waive pre-licensing study or the exam for an agent already licensed at home. Fees, background checks, and continuing education may still apply. Reciprocity is not identical in every state, so an agent should read each state's page before applying.
Source: naic.org
Read next, for agentsHow to get a multi-state life insurance license: resident first, then nonresident