---
title: "What Is Producer License? Definition | Epic Life Glossary"
description: "A producer license is a state-issued credential that lets a person sell, solicit, or negotiate insurance. States issue it by line of authority, such as..."
url: https://epicline.preview.multisites.ai/glossary/producer-license
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Agent licensing and appointments

# Producer License

A producer license is a state-issued credential that lets a person sell, solicit, or negotiate insurance. States issue it by line of authority, such as life, and the holder must follow that state's insurance laws.

## 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](https://content.naic.org/insurance-topics/producer-licensing)

[Read next, for agentsHow life insurance licensing works across multiple states](https://epicline.preview.multisites.ai/careers/licensing)

## Where we use this term

-   [Which carriers can Epic Life agents sell for?](https://epicline.preview.multisites.ai/careers/carriers)
-   [Telesales life insurance agent: selling on inbound calls](https://epicline.preview.multisites.ai/careers/telesales-life-insurance-agent)

## Start your climb.

Tell us where you are today and request a call about licensing, training and the calls.

[Apply to join](https://epicline.preview.multisites.ai/apply)

Shopping for coverage instead? [Get a quote](https://epicline.preview.multisites.ai/get-a-quote)