Connecticut Seal

Connecticut

state commissioner

Andrew Mais

STATE email

cid.licensing@ct.gov

STATE phone
(860) 297-3800
STATE LICENSE DIVISION ADDRESS

Connecticut Insurance Department

Appointments & Terminations

Required to report appointments?

Yes

Permits Just-in-time (JIT) appointments?

Yes

Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier

Can be processed via nipr?

Yes

Fees for appointing a resident agency or individual?

$20

Fees for appointing a nonresident agency or individual?

$20

Appoint agencies?

Yes

Agency appointment covers affiliated producers?

No

Adjuster appointments via NIPR?

No

Appointment effective date can be specified?

Yes

Appointment effective date rule

Required and is the date supplied on transaction. Must be no later than 15 days after the date the agency contract is executed or the first insurance application is submitted.

State requires appointment renewal?

Yes

Appointment renewals via

Via NIPR Portal

When is the state renewal period?

May 1, 2022 until June 30, 2022

Appointment renewal fee

Alabama: $20 (Accident and Health), Alabama: $80, (Casualty, Life and Property) Alaska: $0, Arizona: $0, Arkansas: $80, California: $80, Connecticut: $150, Colorado: $0, Delaware: $80, Florida: $80, Georgia: $80, Hawaii: $0, Idaho: $0, Illinois: $0, Indiana: $0, Iowa: $20, Kansas: $80, Kentucky: $80, Louisiana: $80, Maine: $80, Maryland: $0, Massachusetts: $80, Michigan: $20, Minnesota: $80, Mississippi: $80, Missouri: $0, Montana: $0, Nebraska: $20, Nevada: $80, New Hampshire: $20, New Jersey: $80, New Mexico: $80, New York: $0, North Carolina: $80, North Dakota: $80, Ohio: $20, Oklahoma: $80, Oregon $0, Pennsylvania: $80, Rhode Island: $0, South Carolina $20, South Dakota: $80 (Insurance Producer), South Dakota: $20 (Bail Bond), Tennessee: $80, Texas: $80, Utah: $20, Vermont: $80, Virginia: $80, Washington: $80, Washington DC: $20, West Virginia: $80, Wisconsin: $80, Wyoming $20

Fees are retaliatory?

Yes

Appointment Terminated if license expires?

Yes

Terminations processed via NIPR?

Yes

Termination reasons

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder services; agent moved; appointed in error; cancelled for cause; request regulatory review

Termination fee

No fee

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $140 Resident New License Insurance Producer: $750 (PA Travel) Resident New License Surplus Lines Producer: $675 Non Resident New License Insurance Producer: $140 Non Resident New License Insurance Producer: $750 (PA Travel) Non Resident New License Surplus Lines Producer: $675

License renewal fee

Resident Renewal Insurance Producer: $160 Resident Renewal Insurance Producer: $650 Resident Renewal Surplus Lines Producer: $625 Non Resident Renewal Insurance Producer: $160 Non Resident Renewal Surplus Lines Producer: $625 Non Resident Renewal Insurance Producer: $650

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

Can a producer use a P.O. Box in their resident or business address?

No

Are individuals required to list their county as part of the address?

No

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Third Party Administrator, PA 187 Travel, Life Settlement Broker, Surplus Lines, Insurance Producer, Public Adjuster, Fraternal Agent, Reinsurance Intermediary Manager, Reinsurance Intermediary Broker, Casualty Adjuster, Premium Finance Company, MVPD Appraiser, Certified Insurance Consultant, Temporary Insurance Producer

Appointment Terminated if license expires?

Yes

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

Yes

Study method requirements

Classroom / monitored self study

Submission of completion certificate rule

Original certificate must be submitted at exam site.

How long is the pre licensing certification valid?

Course completion certificate is valid for 1 year

Exemptions to pre licensing requirements

Pre-licensing education requirements will be waived for applicants having one of the corresponding designations: a. life line authority applicants - CEBS, ChFC, CIC, CFP, FLMI, and LUTCF; b. health line authority applicants - RHU, CEBS, REBC, and HIA; and c. property and casualty applicants - AAI, ARM, and CIC.

Exam requirements

Exam required before license application

Fingerprints Required?

Not Required

Where to apply for resident license?

NIPR Gateway

Other licensing notes

Applicant must wait 1-3 business days from passing the exam for results to upload to NIPR.

What Transactions are Retaliatory Fees Applied to?

Appointment

What Determines the Retaliatory Fee?

Resident State Fees

Submit Partial License Renewals through NIPR?

No

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

The licensee must notify the Department of change of address information within 30 days. Contact Change Request supported via NIPR Gateway.

Agency

Can a sole proprietor be licensed as an entity?

Yes

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

No

Agency Licensing renewals

90 Days Prior to expiration date until Jan. 31st on even years. Adjusters renewal period ends biennially before license expiration date (June 30th) on odd years. Surplus: ends biennially before license expiration date (Sept. 30th) on even years.

Agency License required?

Yes, if selling insurance

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

No

Branch office

Can have a DBA or trade name associated on the license.

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

DHS exam required?

Yes

Reciprocity states

AK, AL, AR, AZ, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV

Which states require an exam for reciprocity?

CA, HI, NY, PR, WY

Independent adjuster LOAS

Casualty (All Lines), Casualty (All Lines Except Workers' Comp), Casualty (Auto), Casualty (Workers Comp Only)

Independent adjuster fees

Licensing Fee: $130 Renewal Fee: $80 Non Resident Renewal Fee: $130

Independent adjuster exam required?

Yes

Independent adjuster renewal date

Expires June 30th every odd year.

Emergency adjuster details

Catastrophe adjusters are approved for 120 days following a catastrophic event. To qualify, one must either hold a license in another state or have a minimum of two years of adjusting experience.

Continuing Education

Total hours per renewal period

24

Renewal period

2 years

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

60 days before license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Producers selling only limited lines such as credit insurance, credit life, credit accident and health, mortgage guaranty, or travel accident and travel baggage insurance are exempt from 24 hours of CE.

What if a producer missed the renewal date?

All associated appointments will be terminated. A license can be renewed within one year after expiration.

CE instructors get credit for teaching courses?

Yes

Ethics requirements

3 Connecticut insurance law and ethics

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

7-hour initial Connecticut Partnership Long-Term Care Program counts as an 8-hour LTC CE

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

Connecticut Issues Bulletin Related to Surplus Lines Diligent Effort

Effective Immediately, Connecticut is advising all surplus lines brokers that they are no longer required to file signed written statements with the Department through OptIns. Surplus brokers are now required to maintain all statutory information and documentation in their own files to be provided promptly to the Commissioner upon request. See Attachment for full details.

Connecticut Bulletin Related to Notice to Commissioner of Intent to Discontinue or Substantially Reduce a Line or Subline of Business

On September 19, 2023, Connecticut issued a bulletin that rescinds and replaces Bulletin PC-34 regarding notification to the Commissioner under Connecticut General Statute §38a-44 if an insurer is discontinuing or substantially reducing its writings in a line or subline of property and casualty insurance. The purpose of Connecticut General Statute §38a-44 is to permit the Commissioner time to evaluate the impact on the market of proposals by one or more companies to discontinue or substantially reduce writings in a line or subline of insurance in Connecticut. See attachment for full details.

Connecticut to Update Revoked Business Rule to Defer to the State

Effective October 13, 2023, Connecticut will be updating business rule for Revoked status to defer to the state instead of reject for both individuals and business.  This will apply to Resident Licensing, Resident Licensing Renewals, Non-Resident Licensing, Non-Resident Renewals, Non-Resident Adjuster Licensing, Non-Resident Adjuster Renewal, No Home State and No Home State Renewals.

Connecticut to Add Third-Party Administration Registration for Initial Applications

Effective September 15, 2023, Connecticut is adding Third-Party Administrator with the line of authority Third-Party Administrator Registration for Residents and Non Residents.

Connecticut adding new transaction type

~~Effective July 7, 2023~~, Connecticut will implement a new transaction type to allow update of Designated Responsible Licensed Producers in the near future. An effective date has not yet been determined. ~~Update: Effective Date has been updated to TBD~~ ~~Update July 13, 2023 – Update – the effective date has been set for August 3rd, 2023** **~~ Update: Effective Date has been set for August 4, 2023

Connecticut Appointment Renewal Date Update

Effective April 3, 2023. Connecticut will update the renewal date for 500,000 + appointments from 4/30/2023 - 6/30/2023.

Connecticut to Extend Renewal Period

For Third Party Administrator licenses in Connecticut, expiration dates will be extended from 9/30/2022 to 10/31/2022

Connecticut to Populate Original Appointment Date

Beginning on 10/14/2022 Connecticut will populate the Original Appointment Date. Previously they were populating the appointment effective date in the PDB

Connecticut Will Have Updated Fee and New Line of Authority

Effective 9/1/2022 the license fee for Utilization Review License will update from $3,000 to $6,000. Connecticut will also be adding the LOA of Third Party Administrator Registration.

Connecticut Announces Statement on Healthcare Coverage for Abortion

Connecticut announces that they will "continue to ensure every Connecticut citizen has access to safe and appropriate health care." They also noted that if their healthcare plan includes abortion coverage, the coverage will be maintained.

Updated Effective Date for Connecticut MVPD Appraiser Changes

This update is a date change from a previous announcement. CT will now move their MVPD Appraiser license to a non-adjuster license class effective 4/22/22. Originally, this change was set for 4/15/22.

Connecticut Updates to MVPD Appraiser License

This update is a date change from a previous announcement. CT will now move their MVPD Appraiser license to a non-adjuster license class effective April 15, 2022.

Connecticut 2022 Appointment Renewal Details

Connecticut released details on Appointment Renewal deadlines, costs, and more. The invoice renewal period is May 1st through June 30th, 2022.

Connecticut MVPD Appraiser Changes

The MVPD Appraiser license will be moved to the non-adjuster license class. All Applicants must apply through the Non-Resident Licensing, Non-Resident Renewals, Non-Resident Licensing No Home State, or Non-Resident Renewal No Home State applications. All other applications will not be accepted.

Connecticut Line of Business Update for Risk Retention Group

Connecticut will add the Line of Business assignment of 'None' to the Company license class, Risk Retention Group. The following LOBs will no longer be assigned to the Risk Retention Group license class: Auto Liability (Bodily Injury and Physical Damage), Commercial Multiple Peril, Servicing Existing Business - No New or Renewal Business, and Liability Other than Auto (Bodily Injury and Property Damage. Note the state update for more detail.

Connecticut Makes Changes to CE requirements

CT has removed their CE requirement that at least 6 hours are required for each line of authority held at the beginning of the biennium. Additionally, 24 CE hours may be carried from one two year license period to the next.

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