‘Tis the Season: 2024 Insurance Carrier Appointment Renewals for Individual Producers

I’m dreaming of a compliant producer ecosystem. If you are, too, then you probably care about how each state handles its appointment renewals and termination deadlines. For a list of 2024 renewal seasons by state, you’ve come to the right place. 

What are state requirements for carrier appointment renewals?

Most states require carriers to report their individual appointments, and many of them also require a period – annually or biennially – where carriers pay a fee to maintain their appointments. This also incentivizes an accurate accounting of which producers have relationships with which carriers and where. 

The insurance industry and compliance nerds have spent many digital pixels on the requirements for initial appointments and how to optimize those timelines for savings and efficiency. If you want to read our take on using Just-In-Time appointment regulation to save your business thousands of dollars, go for it.

Yet, less time and attention goes into the ongoing maintenance of those individual producer appointments once a carrier has made them. Here, we’ll detail the variations between requirements and timelines for state insurance appointment renewal and termination deadlines.

If you have more specific questions that aren’t covered here, feel free to visit our Compliance Library and click into your relevant jurisdictions to get more data on state-by-state specifics.

State appointment termination and appointment renewal deadlines

States that require carriers to renew producer appointments on an annual or biennial cycle do so by compiling a list of the producers or business entities (where applicable) that are on record as being appointed by the carrier. (It’s also worth noting here that “carrier” in this case may also mean any MGAs/MGUs that have a duty to appoint thanks to their carrier contract.)

Carriers should review their appointments and be sure to terminate any producers who aren’t still actively writing business for them. It’s important to terminate inactive producers before a state sends you an appointment renewal invoice; once a state opens the invoice, you usually have to pay it as-is. The state will generally post the finalized appointment renewal invoice for a carrier to pay over a matter of weeks or even months, and many of them are open on the National Insurance Producer Registry (NIPR). 

Also worth mentioning? If you don’t want your insurance carrier to be stuck with a big fat producer appointment renewal list to analyze every time a state starts its appointment renewal season, word on the street is that AgentSync’s terminations process makes it far easier to stay up-to-date and accurately track your active appointments.

Following is a rolling calendar-year list of states that have announced their producer appointment renewals and termination deadlines for 2024:

Oklahoma deadlines for carrier appointment renewals

Terminations for Oklahoma carrier appointments due Nov. 16, 2023.

Oklahoma carrier appointment renewal invoice payments open Nov. 23, 2023, to Jan. 2, 2024.

Wisconsin deadlines for carrier appointment renewals

Terminations for Wisconsin carrier appointments due Dec. 31, 2023.

Wisconsin carrier appointment renewal invoice payments open Jan. 5 to March 15, 2024.

Louisiana deadlines for carrier appointment renewals

Terminations for Louisiana carrier appointments due Nov. 24, 2023.

Louisiana carrier appointment renewal invoice payments open Dec. 1, 2023, to Jan. 3, 2024.

Iowa deadlines for carrier appointment renewals

Terminations for Iowa carrier appointments due Dec. 27, 2023.

Iowa carrier appointment renewal invoice payments open Jan. 5 to March 15, 2024.

Illinois deadlines for carrier appointment of limited lines producer renewals

Terminations for Illinois limited lines producers due Oct. 27, 2023.

Illinois carrier appointment renewals for limited lines producers invoice payments open Nov. 2, 2023, to Jan. 2, 2024.

New Mexico deadlines for carrier appointment of producer renewals

Terminations for New Mexico carrier appointments due Dec. 28, 2023.

New Mexico carrier appointment renewal invoice payments open Jan. 3 to March 1, 2024.

Kansas deadlines for carrier appointment of producer renewals

Terminations for Kansas carrier appointments due Dec. 31, 2023.

Kansas carrier appointment renewal invoice payments open Jan. 4 to March 1, 2024.

Alabama deadlines for carrier appointment of producer renewals

Terminations for Alabama carrier appointments due Dec. 31, 2023.

Alabama carrier appointment renewal invoice payments open Jan. 5 to March 1, 2024.

Kentucky deadlines for carrier appointment of producer renewals

Terminations for Kentucky carrier appointments of P&C producers are due Jan. 4, 2023.

Kentucky carrier appointment renewal invoice payments open Jan. 8 to March 31, 2024.

Wyoming deadlines for carrier appointment of producer renewals

Terminations for Wyoming carrier appointments due Jan. 31, 2024.

Wyoming carrier appointment renewal invoice payments open Feb. 1 to March 31, 2024.

North Carolina deadlines for carrier appointment of producer renewals

Terminations for North Carolina carrier appointments due Jan. 22, 2024.

Wyoming carrier appointment renewal invoice payments open Feb. 3 to March 31, 2024.

North Dakota deadlines for carrier appointment of producer renewals

Terminations for North Dakota carrier appointments due Feb. 16, 2024.

North Dakota carrier appointment renewal invoice payments open March 1 to April 30, 2024.

District of Columbia deadlines for carrier appointment of producer renewals

Terminations for District of Columbia carrier appointments due Feb. 24, 2024.

District of Columbia carrier appointment renewal invoice payments open March 4 to May 31, 2024.

Guam deadlines for carrier appointment of producer renewals

Terminations for Guam carrier appointments due March 25, 2024.

Guam carrier appointment renewal invoice payments open April 1 to June 30, 2024.

New Jersey deadlines for carrier appointment of producer renewals

Terminations for New Jersey carrier appointments due March 27, 2024.

New Jersey carrier appointment renewal invoice payments open April 1 to June 5, 2024.

Connecticut deadlines for carrier appointment of producer renewals

Terminations for Connecticut carrier appointments due April 15, 2024.

Connecticut carrier appointment renewal invoice payments will open in May 2024.

Arkansas deadlines for carrier appointment of producer renewals

Terminations for Arkansas carrier appointments due May 24, 2024.

Arkansas carrier appointment renewal invoice payments open June 1 to June 30, 2024.

Vermont deadlines for carrier appointment of producer renewals

Terminations for Vermont carrier appointments due May 31, 2024.

Vermont carrier appointment renewal invoice payments open June 3 to June 30, 2024.

Nebraska deadlines for carrier appointment of producer renewals

Terminations for Nebraska carrier appointments due April 25, 2024.

Nebraska carrier appointment renewal invoice payments open May 1 to July 31, 2024.

Maryland deadlines for carrier appointment of producer renewals

Terminations for Maryland carrier appointments due May 24, 2024.

Maryland carrier appointment renewal invoice payments open June 3 to Aug. 30, 2024.

West Virginia deadlines for carrier appointment of producer renewals

Terminations for West Virginia carrier appointments due May 31, 2024.

West Virginia carrier appointment renewal invoice payments open June 6 to Aug. 31, 2024.

Ohio deadlines for carrier appointment of producer renewals

Terminations for Ohio carrier appointments due June 30, 2024.

Ohio carrier appointment renewal invoice payments open August 2024.

Massachusetts deadlines for carrier appointment of producer renewals

Terminations for Massachusetts carrier appointments due July 14, 2024.

Massachusetts carrier appointment renewal invoice payments open July 19 to Aug. 31, 2024.

South Carolina deadlines for carrier appointment of producer renewals

Terminations for South Carolina carrier appointments due Aug. 26, 2024.

South Carolina carrier appointment renewal invoice payments open Sept. 1 to Sept. 30, 2024.

States with fixed carrier appointment renewal rules

Not all states have big announcements for upcoming renewal periods. Many states have very set annual or biennial renewal rules, such as:

Kansas and Michigan both have a fixed renewal period, posting their invoices for carriers to pay through the month of January.

Maine has a very … particular rule. If your company was first formed in the months from January to June, then your appointments will renew in your anniversary month in even years; if your company’s formation anniversary is July through December, you’ll renew appointments in odd years. The state sends carriers a reminder to terminate inactive producers six weeks before their anniversary month. The first week of your anniversary month, the state will send you the renewal invoice and you have 30 days to pay it.

Florida is also particular, and requires appointments during the appointed producer’s birth month every two years. This means, instead of a company doing a single appointment renewal season, you may have some producers needing to renew appointments for every month.

South Carolina’s fixed appointment renewal period is in September. Shout out to South Carolina for keeping it simple!

Rhode Island is a Registry state, meaning the state doesn’t require carriers to proactively report appointments, but instead requires that carriers maintain an internal registry of producers they authorize to act on their behalf. Yet, it makes the list of states with fixed carrier appointment renewals because the state requires carriers to submit lists of all producers who received at least $100 in commissions or payment in the previous year every March 1.

Some states also have “perpetual” appointments, meaning they don’t require a renewal for at least some of their producers. However, interpretations of what it means to be “perpetual” vary widely based on resident vs. nonresident, firm vs. individual, and line of authority. (These states are definitely worth a peek in the Compliance Library to understand some of the nuance.)

• California
• Colorado (for the licenses the state appoints)
• Delaware
• Hawaii
• Puerto Rico
• Montana
• New Hampshire
• Tennessee
• Texas
• Utah
• Vermont (carriers not domiciled in Vermont must follow a periodic renewal season and fee rule)

Registry appointment states

These states don’t generally require carriers to report appointed producers to the state department of insurance, but they do require carriers to maintain an internal registry of producers (hence the moniker “Registry state”). 

However, even in Registry states, you may want to give yourself an annual checkup to ensure you’re adequately maintaining your internal records – appointment violations tend to be like seatbelt laws. You likely won’t be pulled over for driving without yours clicked, but you better believe the officer will throw it on the ticket if you’re pulled over for anything else.

Registry appointment states:

• Alaska
• Arizona
• Colorado (with a few excepted lines)
• Illinois (with a few excepted lines)
• Indiana
• Maryland (with a few excepted lines)
• Missouri
• Oregon
• Rhode Island (we already covered the nuance there)

If you want to make your various appointment cycles easier on yourself by practicing good termination and appointment hygiene throughout the year, AgentSync can help – see how today.