Why it matters
Nobody can legally sell life insurance to a family without one. Each state sets its own requirements, though most use a common process through the NAIC. Typical steps include pre-licensing study, a state exam, fingerprints, and a background check. A new agent should check the home state's rules first, because fees and study hours differ. Selling without a valid license can bring fines and loss of commissions.
Source: naic.org
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