Compliance Library ©
Insurance is mostly regulated on a state-by-state basis, with each state and U.S. territory determining their own legal standards and procedures. Here you can find state-specific information such as department of insurance contacts; read FAQs about licensing, carrier appointments, and Just-In-Time requirements; and stay up to date with relevant articles and blogs.
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Comparison Table
With AgentSync’s 50 State Summary Table, we’ve taken the top questions concerning licensing, appointments, adjuster, and business entity management and set them in a comparative grid across the states and territories. Have an at-a-glance understanding of how each state handles appointments or licensing.
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Upcoming Changes
Pennsylvania Surplus Lines Premium Surplus Lines Tax Reminder
Due December 31, 2025, Pennsylvania posted a reminder that all surplus lines licensees (resident and non-resident) licensed in the Commonwealth of Pennsylvania are reminded to file and remit the collected gross premium surplus lines tax for the preceding calendar year. The surplus lines tax levied by the Commonwealth of Pennsylvania is three percent (3%) of taxable gross premiums, less any return premium for insurance placed with either an eligible surplus lines insurer or other non-admitted insurer. Tax payments of less than $1,000 may be mailed to the Pennsylvania Department of Revenue. However, tax payments of $1,000 or more MUST be made electronically. Please see the attachment for more information.
Alabama Pharmacy Benefits Managers Licensing Overview
Effective date is January 1, 2026, Alabama posted a legal regulation that established processes and procedures for the licensing and renewal of pharmacy benefits managers. Please see the attachment for more information.
Oregon is Updating Licensing and Renewal Fees for Securities Division
Effective January 1, 2026, Oregon will increase its filing and renewal fees for investment companies and for agents. - Investment company - Initial and renewal filing fee is now $500 - Broker-dealer - Initial and renewal filing fee is now $250 - State Investment Adviser - Initial and renewal filing fee is now $200 - Federal Covered Investment Adviser - Initial and renewal filing fee is now $200 Please see the attachment for more updated fee's
Arizona Pharmacy Benefit Managers Licensing Requirements
Effective January 4, 2026, Arizona will require Pharmacy Benefit Managers (PBM) to be licensed to operate in the state. General initial and renewal requirements are below. A person must be licensed to operate as a PBM in Arizona. - Applicants must: - Submit the Director-prescribed certificate of authority application electronically, and pay a fee. - The Department deems the application as filed with the Director when the Department receives a completed application and the required fee. - The Director may require applicants to submit information for principals, principal officers, and individuals responsible for the conduct of the PBM's activities that discloses: - Biographical information; - Employment and business financial history; - Criminal activity; - Fingerprints, or any other information that relates to the ability to operate as a PBM. - Applicants will have a period to remedy licensure disqualifications. - If the Director determines that an applicant is not qualified for licensure after the overall application time frame is complete, the Director must: provide written notice of the intent to deny the application; and specify the licensure disqualifications. - The applicant has 60 days from the date of the Director's notice to advise the Director that it has remedied the disqualifications. - The Director will deny the application if: - The applicant fails to respond to the Director within 60 days; or - The Director determines that the applicant has failed to remedy the disqualifications. - The application denial is an appealable agency action. - The Department must notify an applicant of: - The approval of the certificate of authority; and - The effective date and expiration date of the certificate. - No paper certificate is required. - Within 30 days of any material modification of the application information, a PBM who holds a certificate of authority issued by the Department must file a Notice of Modification. The Notice of Modification must be filed in the Director-approved form and manner. - The PBM certificate of authority is a biennial certificate. - If the PBM fails to timely file a complete renewal application and pay the fee, the certificate of authority expires on the last day of the 24th month after the effective date of the initial approval or renewal. - If not timely renewed, a certificate of authority may expire during any suspension or restriction period. - PBMs are subject to the renewal requirements below. - To renew its certificate of authority, a PBM must: - File a renewal application electronically on the - Director-prescribed form; and - Pay the fee on or before the PBM's certificate of authority expiration. - The Director may require renewal applicants to submit information for principals, principal officers, and individuals responsible for the conduct of the PBM's activities that discloses: - Biographical information; - Employment and business financial history; - Criminal activity; - Fingerprints; or - Any other information that relates to the ability to operate as a PBM. - The Department deems the renewal application as filed with the Director when the Department receives a completed renewal application and the required fee. - Upon expiration of a certificate of authority that is not timely renewed, a PBM must cease its PBM operations. - A PBM whose certificate of authority has expired must file a new certificate of authority application with the Director.
California Removes Prelicensing Requirements
Effective January 1, 2026, the California Department of Insurance removes the requirement to complete 20 hours of prelicensing education for individuals applying for the following Insurance Producers licenses: property, casualty, commercial lines, personal lines, limited line automobile, life, and accident and health or sickness Please see the attachment for more information.
Alaska Updates to National Uniformity for TPAs, PBMs, DHS, and Adjusters
Effective January 1, 2026, Alaska's Omnibus Insurance Bill will take effect. This bill changes the following license classes to line up with national uniformity: - Pharmacy Benefits Managers (PBMs) - Third-Party Administrators (TPAs) - Independent Adjusters - Designated Home States Please see the attachment for more information.