State Requirements

Illinois / Resident Licensing / Individual

Increased Bond Requirement for Public Adjusters

Effective January 1, 2024, the Illinois bond requirement for Public Adjusters and Public Adjuster Business entities will increase from a $20,000 bond to a $50,000 bond. 

Delayed Applications- Incorrect Background Question Responses

The Illinois Department of Insurance is currently seeing a significant number of license applications containing incorrect responses to the background questions. In an effort to reduce issues and delays in processing license applications the Department would like to provide the following notice.

Fees

Lines of Authority

Exam Required

Life Health Variable Lines **For reinstatements only Property Casualty Personal Lines, P&C Motor Vehicle

No Exam Required

Credit, Life Accident & Health Industrial Accident & Health Industrial Life Limited Health Service Organization Baggage / Limited Travel Health / Trip Cancellation Farm Mutual HMO Enroller Legal Expense

No Exam Required

Life Accident & Health Life / Accident & Health Fire (Property) Casualty Fire & Casualty Motor Vehicle

Exam Required

Public Adjuster

Exam Required

Navigator Certified Application Counselor

No Exam Required

No Line of Authority Required

Rules and Requirements

Effective July 1, 2023, the Department will no longer accept paper applications. All applications must be filed through NIPR.com and all fees must be paid through EFT in the NIPR.com system. Any paper apps received on or after July 1, 2023, will be mailed back to the sender. Any applications received late as a result of submission of a paper application being returned will be the responsibility of the applicant and all lapses in licensure and any penalty fees for late submission will remain in place.

The Illinois Department of Insurance will be phasing out renewal reminders at the beginning of January 2024. NIPR has a free app that can be downloaded by all producers for iOS and Android devices that can be set up to send automatic reminders prior to license expiration dates. The Department requests all licensees to utilize this free services.

Applicants applying for a Surplus Lines Producer license must read Section 445 of the Illinois Insurance Code and Section 2701 of the Illinois Administrative Code regarding Surplus Lines. Failure to comply with these regulations may result in fines and penalty fees. Please go to [http://nipr.com/surplus_lines/illinois_state_sl_message.htm] to read the Surplus Lines Laws and Regulations for the State of Illinois.

Long Term Care is covered under the Health line of authority. The applicant must comply with the training requirements. Please go to [http://www.ilga.gov/commission/jcar/admincode/050/050020120001210R.html] for the specific requirements.

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

An affiliation is not required and the applicant may skip the "Affiliations" page on the uniform application.

New Resident Producers will be unable to apply on-line for five (5) days after the completion of their exams (all parts) through Pearson Vue. In order to be eligible to apply for these lines of authority (LOAs) at that time, insurance producers must also have completed pre-licensing. Please check with the prelicensing and exam provider to be sure all parts have been passed and submitted before contacting NIPR or the Illinois Department of Insurance.

Public Adjuster applicants must pass the required exam before the application will be permitted.

Public Adjuster applicants who are reinstating within 12 months of their expiration date must be compliant with Continuing Education (CE). If the applicant is not CE compliant, the reinstatement application will not be permitted.

Public Adjuster applicants are required to submit a bond in the amount of $50,000. Applicant is required to upload required documentation to the state via the NIPR Attachment Warehouse.

Public Adjuster applicant will be deferred for fingerprint requirements. Prior to the Department’s issuance of a public adjuster’s license, the applicant’s fingerprints must be on file with the Department.  Information regarding requirements for public adjuster applications, including fingerprinting, can be found on the Department’s website at https://www2.illinois.gov/sites/Insurance/Producers/Pages/Illinois-Public-Adjuster.aspx

Applicant must not have another active resident state on the  PDB.

Applicant must provide residence address in Illinois. P.O. Box is only accepted for mailing address. Residence and business address must be the physical address.

Illinois only allows amendments to an insurance producer license if the license is active and not expired. The applicant must meet the pre-licensing and exam requirements to apply for the requested LOA. Illinois does not charge a state fee for amendments.

Limited Lines Producer license will go through the appointment renewal process as long as the license is active in order to renew the license.

Temporary Producer licenses will automatically expire after ninety (90) days and are not renewable.

Navigator certificate licenses are only issued for one (1) year.

Illinois Department of Insurance requires proof that the navigator federal training was taken before issuing a Navigator license. Please scan and email a copy of the transaction receipt with the resident license transaction number on it and a copy of the certificate of completion of the entire federal training provided at the end of the online training course to the Illinois Department of Insurance. This step is necessary in order to confirm the applicant's completion of the federal training program. Please submit documentation the  state  website.

Navigator Certificate license class applicants whose license expired within the past twelve (12) months must reapply for the license through the Resident License application.

Applicants for the variable LOA must supply  FINRA  CRD number on application.

Applicants applying for either property, casualty or both will not be able to apply for personal lines.

Applicants applying for an insurance producer license must pass both the required exam and pre-licensing exam.

Limited Lines Producer license class and Temporary Producer license class are exempt from pre-licensing and exams.

If applying for the license type Surplus Lines Producer class, then applicant must hold an active insurance producer license with equivalent property and casualty qualification in Illinois.

An agent can only apply for one (1) temporary license in their lifetime. If a temporary license is applied for and there is an active or inactive Temporary Producer license class on  PDB, the transaction will be declined.

Note: If an appointment is not submitted and approved by the state within thirty (30) days of the insurance producer obtaining the initial license, the license will be automatically cancelled. Appointments will not be accepted if the license on (PDB) is in inactive or cancelled status.

Note for Limited Lines Producer license: If the license is in inactive or cancelled status on (PDB), the insurance producer will then have to reapply for the license class again so that the company can submit an appointment.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via  NIPR's Attachments Warehouse.The documents may also be submitted to the  state  via mail, email, or fax. 

Contact Information

Illinois Department of Insurance 320 West Washington Street Springfield , IL 62767-0001 United States

Phone: (217) 782-6366 Fax: (217) 557-8455 Email: DOI.Licensing@illinois.gov

Special Instructions

Illinois Department of Insurance ATTN: Licensing Unit 122 S Michigan Ave, 19th Floor Chicago, IL 60603

Phone: (312) 814-5430 Fax: (312) 814-5416

Frequently Asked Questions

How do I print my license online?

Online printing information can be found by going to NIPR's license print page and selecting the state.

What is the direct link to the producer licensing section of the DOI's website?

https://insurance.illinois.gov/producer/producerMain.html

How does your state handle residency type changes?

Residency Changes

After an individual has passed an exam, how long are the scores valid?

One Year

Who does an individual contact to schedule an examination?

Pearson Vue (800) 274-0455 Candidate Handbook

How do individuals report legal name changes?

Mail in a signed request (including your NPN #) over your signature to: Illinois Department of Insurance Attn: Licensing Unit 320 W Washington St Springfield, IL 62767 Include one of the following proof of name change items with your request A copy of your marriage license A copy of your driver’s license, displaying your new name

Illinois Department of Insurance Attn: Licensing Unit 320 W Washington St Springfield, IL 62767

How do entities report/request name changes?

Mail in a signed request (including entity license number) to:

Illinois Department of Insurance Attn: Licensing Unit 320 W Washington St Springfield, IL 62767

How do entities/individuals report changes to affiliations and/or DRLP's?

Supplemental Application SA 1

How do entities/individuals report changes to O/P/O/D - Owners, Officers, Partners, Directors?

Changes to Owner’s Partners Officers and Directors do not need to be reported to the state.

How do entities update contact information?

Change Contact Information

How do licensees cancel or surrender a license or line of authority?

Mail in a signed request (including entity license number) to:

Illinois Department of Insurance Attn: Licensing Unit 320 W Washington St Springfield, IL 62767

How do individuals update contact information?

Change Contact Information

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