Guam Seal


state commissioner

Michelle B. Santos

STATE phone
(671) 635-1843

Guam Insurance Administration

Appointments & Terminations

Required to report appointments?


Permits Just-in-time (JIT) appointments?


Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

JIT appointments permitted. 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?


Fees for appointing a resident agency or individual?


Fees for appointing a non resident agency or individual?


Appoint agencies?


Adjuster appointments via NIPR?


Appointment effective date can be specified?


Appointment effective date rule

Required (but ignored) and is the date transaction is processed by the state. Must not precede effective date of appointee and appointer license.

State requires appointment renewal?


Appointment renewals via

Appointment renewals billed annually and paid via state portal.

Appointment renewal fee


Terminations processed via NIPR?


Termination reasons

Voluntary termination; death; appointed in error; cancelled; cancelled for cause

Termination date can be specified by carrier?


Termination Effective date rule

Required and is the date supplied on transaction. Must not precede effective date of appointee license, appointer license, or effective date of appointment. Must be less than 30 days old

Termination fee

No fee


License renewal fee

Resident: Adjuster Renewal Fee: $50 Broker Renewal Fee: $100 Surplus Lines Renewal Fee: $100 Nonresident: Non Resident Broker Renewal Fee: $100 Non Resident Surplus Lines Broker Renewal Fee: $100

When does the resident individual producer license renewal period begin?

90 days before expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

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


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


What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Surplus Lines Broker, Broker, Company, Insurance Producer, Adjuster, Non Resident Broker, Non Resident Surplus Lines Broker, Non Resident Producer


Can a sole proprietor be licensed as an entity?


DRLP must have active state license


DRLPs must cumulatively cover all LOAs in application


Agency Licensing renewals

License is perpetual as long as agent in charge is licensed.

Agency License required?


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

Not required, but the agency can only transact business for the lines of authority their agents are licensed and appointed for.

Branch office

License not required but branch must be registered


Requires adjuster license?


Offers designated home state?


DHS exam required?


Independent adjuster LOAS

Property, Casualty, Accident & Health, Marine, Motor Vehicle, Fidelity & Surety, Property Damage and Liability, Workmen's' Comp, Fire, Miscellaneous

Independent adjuster fees

Licensing Fee: $50 Renewal Fee: $50

Independent adjuster exam required?


Emergency adjuster details

In the event of an emergency, Guam will allow temporary adjusters to be licensed for 90 days. This will allow them to receive, inspect, process, and adjust claims. The fee for licensure is $50.00.

Continuing Education

Total hours per renewal period


Renewal period

2 years

CE due before license renewal date?


License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Producers newly licensed after July 1 of the second year of the biennium are exempt from CE requirements for that renewal period. Those holding licenses for only limited lines credit are exempt from CE. Those holding limited lines licenses for which an exam isn’t required are exempt from CE Those holding any limited or restricted licenses that the commissioner may declare exemption with the state. Adjusters are exempt from CE.

What if a producer missed the renewal date?

Licensee has one year to late renew the license and pay penalties. License is suspended until requirements are met.

CE instructors get credit for teaching courses?

Yes, a single course per renewal period.

Ethics requirements


Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

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