2023 Carrier Appointment Renewal Cycle Begins

Insurance carriers must appoint producers in most states; while timelines vary on first appointment requirements, states that require carrier appointments usually have a fixed calendar season for renewing those appointments with the state.

If you need to view 2022’s appointment calendar list, you can find that here. For the 2023 appointment cycle, we’ve rounded up the rules as best we can in the following.

Additionally, if you haven’t yet checked into the AgentSync Compliance Library for state-by-state specifics on carrier appointing deadlines, termination rules, and renewal season particulars, press pause and dig into the Compliance Library now! (Truly it is the best thing to happen for insurance industry wonks since we got structured folders in our email applications.)

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 or MGUs that have a duty to appoint thanks to their carrier contract.)

States provide these lists to carriers, and then the carrier has a set time to notify the relevant state of any producers they would like to terminate in order to avoid paying the state’s appointment renewal fee for that producer. If the insurance carrier forgets to notify the state of an agent or producer that they want to terminate by the termination deadline, then they’ll have to pay for that person’s appointment for the coming year. The state will generally post the finalized appointment renewal invoice for a carrier to pay over a matter of weeks or months. 

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 2023:

Nevada carrier appointment renewal deadlines

Terminations due June 30, 2023

Invoice payment open July 1 to Sept. 1, 2023

West Virginia carrier appointment renewal deadlines

Terminations due May 31, 2023

Invoice payment open June 6 to Aug. 31, 2023

Nebraska carrier appointment renewal deadlines

Terminations due April 25, 2023

Invoice payment open May 1 to July 31, 2023

Arkansas carrier appointment renewal deadlines

Terminations due May 24, 2023

Invoice payment open June 1 to June 30, 2023

New Jersey carrier appointment renewal deadlines

Terminations due March 27, 2023

Invoice payment open April 1 to June 5, 2023

District of Columbia carrier appointment renewal deadlines

Terminations due Feb. 24, 2023

Invoice payment open March 3 to May 31, 2023

North Dakota carrier appointment renewal deadlines

Terminations due Feb. 18, 2023

Invoice payment open March 2 to April 30, 2023

Wyoming carrier appointment renewal deadlines

Terminations due Jan. 31, 2023

Invoice payment open Feb. 1 to March 31, 2023.

North Carolina carrier appointment renewal deadlines

Terminations due Jan. 22, 2023

Invoice payment open Feb. 3 to March 31, 2023

Kentucky carrier appointment renewal deadlines

Terminations due Jan. 1, 2023.

Invoice payment open Jan. 6 – March 31, 2023

Wisconsin carrier appointment renewal deadlines

Terminations due Dec. 31, 2022

Invoice payment open Jan. 5 – March 15, 2023

Iowa carrier appointment renewal deadlines

Terminations due Dec. 27, 2022

Invoice payment open Jan. 5 – March 15, 2023

Alabama carrier appointment renewal deadlines

Terminations due Dec. 31, 2022

Invoice payment open Jan. 5 – March 1, 2023

New Mexico carrier appointment renewal deadlines

Terminations due Dec. 28, 2022

Invoice payment open Jan. 1 – March 1, 2023

Kansas carrier appointment renewal deadlines

Terminations due Dec. 26, 2022

Invoice payment open Jan. 2 – March 1, 2023

Louisiana carrier appointment renewal deadlines

Terminations due Nov. 23, 2022

Invoice payment open Dec. 1, 2022, to Jan. 3, 2023

Oklahoma carrier appointment renewal deadlines

Terminations due Nov. 16, 2022

Invoice payment open Nov. 24, 2022, to Jan. 2, 2023

Illinois carrier appointment renewal deadlines

Terminations due Oct. 27, 2022

Invoice payment open Nov. 2, 2022, to Jan. 2, 2023

States with fixed carrier appointment renewal rules

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 even years; if your anniversary is July through December you will renew 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 to renew appointments for every month.

South Carolina’s fixed appointment renewal period is in September.

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.

The following states purport to have “perpetual” appointments (appointments that 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

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.