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Final Expense Agent Licensing

Insurance licensing, state by state.

Start with your home state. Expand when you're ready.

Insurance producer licensing is regulated at the state level, and requirements can vary by jurisdiction. Use the Final Expense Elite licensing directory to understand the general process, compare resident and non-resident licensing, and reach the current official resources for each state.

Find Your State ↓How Licensing Works

CA

California

Full guide available
View California guide →
  • Full guide available
  • Verified summary available
  • Guide in review
  • Official resources only
  • · 50 States
  • · Resident Licensing
  • · Non-Resident Licensing
  • · Official Sources
  • · NIPR Resources
On this page: Find Your State

Licensing directory

Find your state.

Every state links to its official resources. Full guides are published only after each requirement is checked against the state regulator and official sources; exact requirements belong on each state guide, not here.

Full guide available: 11Official resources only: 39

50 of 50 states

Arizona

AZ

Arizona Department of Insurance and Financial Institutions

Full guide availableLast verified: September 2026
View Arizona guide →

Florida

FL

Florida Department of Financial Services

Full guide availableLast verified: September 2026
View Florida guide →

Georgia

GA

Georgia Office of Insurance and Safety Fire Commissioner

Full guide availableLast verified: September 2026
View Georgia guide →

Michigan

MI

Michigan Department of Insurance and Financial Services

Full guide availableLast verified: September 2026
View Michigan guide →

Nevada

NV

Nevada Division of Insurance

Full guide availableLast verified: September 2026
View Nevada guide →

Ohio

OH

Ohio Department of Insurance

Full guide availableLast verified: September 2026
View Ohio guide →

Tennessee

TN

Tennessee Department of Commerce and Insurance

Full guide availableLast verified: September 2026
View Tennessee guide →

Texas

TX

Texas Department of Insurance

Full guide availableLast verified: September 2026
View Texas guide →

Recent regulatory updates

Rules change. Older guides don't always.

Changes confirmed on official sources while verifying our state guides.

California · Effective January 1, 2026

12-hour Ethics and Insurance Code course

CDI now lists the 12-hour course as the Life prelicensing requirement; older 20- and 52-hour references reflect earlier rules.

Read the California guide
Ohio · Effective March 13, 2026

Remote exams discontinued

PSI no longer offers remote proctored Ohio insurance exams; testing is in person.

Read the Ohio guide
North Carolina · Effective October 1, 2025

Prelicensing no longer required

Life applicants still must pass the state exam.

Read the North Carolina guide
Nevada · Effective August 1, 2025

Fingerprint authorization form

Applicants must bring the Fingerprint Authorization Form to an approved vendor.

Read the Nevada guide
Georgia · Effective July 2025

Life course reduced to 8 hours

OCI's rule change reduced prelicensing to 8 hours per major line.

Read the Georgia guide
Pennsylvania · Effective April 29, 2025

Prelicensing removed; ethics CE added

Act 142 of 2024 removed prelicensing and added 3 ethics hours within the 24-hour CE requirement.

Read the Pennsylvania guide

The basics

Know where you're authorized to operate.

Insurance producers generally need appropriate licensing for the jurisdiction in which they sell, solicit or negotiate insurance. Licensing comes first because insurance sales activity is regulated. A broader licensed territory may later support a broader virtual sales footprint.

  1. 01

    Home state

    Where the producer holds resident licensing.
  2. 02

    Line of authority

    The category of insurance the producer is authorized to transact. Life authority is usually relevant for final expense, but the license name varies by state.
  3. 03

    Additional states

    Non-resident licenses may let an already licensed producer seek authority in other states, subject to each state's rules.

We use "insurance producer" as the general term. States may also say agent or broker, and exact license names vary.

Your first license

The resident licensing path.

A general framework. Your state guide and regulator determine the actual steps.

  1. 01

    Check your state requirements

    Before buying a course or scheduling an exam, verify the state's current requirements with the official regulator or NIPR. Requirements vary by state.
  2. 02

    Complete required education, if any

    Not every state uses the same education requirements, and they can differ by license type. Requirements vary by state.
  3. 03

    Complete the required exam, if any

    Many resident paths require an exam. The state guide tracks whether one applies and who administers it. Requirements vary by state.
  4. 04

    Background / fingerprinting, if required

    Some jurisdictions require fingerprints, background checks or disclosures. Not every state uses the same process. Requirements vary by state.
  5. 05

    Submit the application

    Through NIPR, Sircon or the state regulator's portal, depending on the jurisdiction. Requirements vary by state.
  6. 06

    State review

    Submission is not approval. The state regulator decides whether the license is issued. Requirements vary by state.
  7. 07

    License issued, if approved

    Confirm it's actually issued through the state license lookup or NIPR before any regulated activity. Requirements vary by state.
  8. 08

    Carrier / program onboarding

    Contracting, appointments where applicable, and Final Expense Elite onboarding follow. Requirements vary by state.

Two different paths

Resident vs. non-resident licensing.

Resident

  • Generally your home-state license
  • Where most new agents begin
  • Education / exam where required
  • Application and state review

Non-resident

  • Requires an active home-state license
  • Sought in an additional state
  • Eligibility and reciprocity rules vary
  • Exam or education may still apply

Resident path

  1. 01Home state
  2. 02State requirements
  3. 03Education / exam where required
  4. 04Application
  5. 05License

Non-resident path

  1. 01Active home-state license
  2. 02Select additional state
  3. 03Check eligibility + reciprocity
  4. 04Apply through the right channel
  5. 05State review
  6. 06Non-resident license if approved

Exact definitions and eligibility are determined by each jurisdiction.

Licensing infrastructure

What is NIPR?

NIPR provides electronic services and state licensing information that insurance professionals can use when applying for, renewing and managing licenses in participating jurisdictions. It isn't the regulator. The state regulator is the authority. Some states also use Sircon or their own portal.

Official resource

NIPR

State licensing requirements, applications and renewals in participating jurisdictions.

Check NIPR

Official resource

What is an NPN?

Your National Producer Number identifies you in the Producer Database. It isn't your license number.

Look up via NIPR

Official resource

State regulators

Find your state's insurance department, the authority that issues licenses.

Find your regulator

After licensing

The license is the beginning of the operating process.

A license alone doesn't automatically activate every carrier or lead program. Next steps may include carrier contracting, appointments where applicable, product training, E&O where applicable, Final Expense Elite onboarding, technology access, lead eligibility and additional states.

90-Day Roadmap Junior Broker Program
  1. 01License issued
  2. 02Verify status
  3. 03Carrier contracting / appointments
  4. 04Final Expense Elite onboarding
  5. 05Lead eligibility in licensed states
  6. 06Add states when ready
Roadmap90-Day RoadmapLicensing is Phase 1.Explore ProgramJunior Broker ProgramA structured path to licensed production.Explore SystemFree Lead ProgramLeads matched to licensed states.Explore TrainingVirtual Telesales 101Remote doesn't mean borderless.Explore

FAQ

Licensing questions

How do I get my first insurance license?

Start with your home (resident) state. Check its current requirements with the state regulator, complete any required education, exam and background steps, then apply. Requirements vary by state.

What is a resident license?

Generally the license held in your home state, or your primary state of residence or business depending on the applicable rules.

What is a non-resident license?

A license sought in another jurisdiction by someone already licensed in a resident state. Eligibility and process are set by each state.

Which state should I start with?

Most new producers begin with a resident license in their home state.

Do licensing requirements vary by state?

Yes. Education, exams, fingerprinting, fees, applications and renewals can all differ by state and by license type.

Does every state require prelicensing education?

No single national rule applies. Some states require formal prelicensing education and others differ. Check your state's current rule with its regulator.

Does every state require an exam?

Many resident producer license paths require an exam, but requirements vary by jurisdiction and license class.

Do non-resident licenses require an exam?

Many non-resident licenses are streamlined through reciprocity, but rules vary. Don't assume no exam or education is required.

Where do I apply?

Depending on the state, applications may go through NIPR, Sircon or the state regulator's own portal. The state determines the route.

What is NIPR?

NIPR provides electronic services and state licensing information that insurance professionals use to apply for, renew and manage licenses in participating jurisdictions. It is not the regulator.

What is an NPN?

The National Producer Number identifies individuals and business entities in the Producer Database. It is not the same as your insurance license number.

What is a line of authority?

The category of insurance a producer is licensed to transact. For Final Expense Elite agents, life insurance authority is usually relevant, but the exact license name varies by state.

Am I licensed once I submit my application?

No. Submission is not approval. Only begin regulated activity after the state has issued the license, which you can confirm through the state's license lookup or NIPR.

What comes after my license is issued?

Typically carrier contracting, appointments where applicable, product training, and Final Expense Elite onboarding and technology access. A license alone doesn't activate every carrier or lead program.

How does licensing connect with Final Expense Elite?

Leads are matched to the states you're licensed in, and the Junior Broker Program and 90-Day Roadmap both start with licensing.

Start with your home state

Know where you're authorized. Then build.

Check your state's requirements, get licensed, then connect to Final Expense Elite's training and system.

Apply Now Find Your State