Idaho Seal

Idaho

state commissioner

Dean Cameron

STATE email

agent@doi.idaho.gov

STATE phone
(208) 334-4339
STATE LICENSE DIVISION ADDRESS

Department of Insurance

Address

700 West State Street, 3rd Floor

P.O. Box 83720

Boise, Idaho , 83720-0043

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?

$0

Fees for appointing a nonresident agency or individual?

$0

Appoint agencies?

Yes

Agency appointment covers affiliated producers?

Yes

Agency appointment notes

A person with an affiliation to an agency is able to use the agency appointment and is not required to have a direct appointment.

Adjuster appointments via NIPR?

No

Appointment effective date can be specified?

Yes

Appointment effective date rule

Required and is date supplied on transaction. Must be less than 15 days old and not in the future. Date effective is date supplied on transaction and cannot precede licensure.

State requires appointment renewal?

Yes

Appointment renewals via

Idaho portal

Appointment renewal fee

No fees

Licenses require appointment or affiliation?

No

State terminates appointment if license expires?

Yes

Terminations processed via NIPR?

Yes

Termination reasons

Cancelled; cancelled for cause

Termination date can be specified by carrier?

Yes

Termination Effective date rule

Required and is the date supplied on transaction. Must not be in the future and be less than 15 days old. Must not precede date of licensure for either appointee or appointer

Termination fee

No fee

Allows carriers to terminate the appointment if license has expired?

No

Can a not-for-cause termination notice be emailed?

Email notices are permitted

If email is allowed, can notice be in body text?

Within the email body text

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $80
Resident New License Surplus Lines Producer: $80
Nonresident New License Insurance Producer: $80
Nonresident New License Surplus Lines Producer: $80

License renewal fee

Resident Renewal Insurance Producer: $60 Resident Renewal Surplus Lines Producer: $60 Nonresident Renewal Insurance Producer: $60 Nonresident Renewal Surplus Lines Producer: $60

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

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?

Yes

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Third Party Administrator, Charitable Gift Annuities, Managed Care Organization, Risk Retention Group, Temporary Resident Producer, Life Settlement Broker, Property and Casualty, Independent Adjuster, Life, Managing General Agency, Purchasing Group, Nonresident Public Adjuster, Title Agency, Resident Bail Agent, Nonresident Bail Agent, Resident Public Adjuster, Life Settlement Provider, Motor Service Club, Nonresident Surplus Lines Broker, Resident Surplus Lines Broker, Nonresident Third Party Administrator, Resident Producer, Nonresident Producer, Nonresident Third Party Administrator - Designated Home State Idaho

State recognizes a licensing exemption for nonresident commercial lines producers with multistate contracts?

Yes

State broker license rule

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

Requires pre licensing courses?

No

Prelicense education requirement

Background Check Required?

Yes – FBI

Fingerprints Required?

Yes, for Resident Licensing

Fingerprint Submission Details

Live Scan through exam vendor or PSI.
Applicant must contact PSI 800-733-9267 or www.psiexams.com to determine the nearest location for the electronic fingerprint processing service, if fingerprints have not already been submitted with exam results.

State Pre-Licensing Exam Website

Pearson VUE

How Long are State Pre-Licensing Exams Active?

180 Days

Citizenship requirement details

Applicants who are not U.S. citizens must provide proof of eligibility to work in the U.S. Please submit legible copies of documents establishing your work eligibility (e.g., Work Visa/Green Card) to the NIPR Attachments Warehouse Additional Documents.

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

No - allows partial renewal of inactive licenses only

Has Personal Lines LOA?

Yes

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

Each licensee must notify the Director within 30 days of an address change. Contact Change Request supported via NIPR Gateway.

Name Change Form

Individual and Business Entities can process via NIPR

Travel license notes

Travel is covered under the property and casualty and life and health lines of authority in Idaho. But if a nonresident producer has a travel license listed on their resident license, they can add travel to their Idaho license as a line of authority.

Agency

Can a sole proprietor be licensed as an entity?

No

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

Yes

Agency Licensing renewals

90 days prior to expiration date until the last day of the month following the issue month, biennially. Late renewal period ends one year past expiration date.

Agency License required?

Yes

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, except travel agency.

Branch office

Main – Only the primary location is licensed. No notification is required.

Deadline to report key business entity changes (address, dba, phone, email, etc.)

Each licensee must notify the Director within 30 days of an address change. A business entity must notify the Director of any change in ownership, officer, directors, or the designated licensed producer within thirty days. Contact Change Request supported via NIPR Gateway.

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

Reciprocity states

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

Which states require an exam for reciprocity?

CA, HI, NY, PR

Independent adjuster LOAS

No LOA Required

Independent adjuster fees

Licensing Fee: $80 Reinstatement Fee: $120.00 Renewal: $60

Independent adjuster exam required?

Yes

Public Adjuster Renewal Period

Biennially, on the last day of birth month

Public Adjuster Details

A surety bond of $20,000 is required as well as fingerprints. For a nonresident, one must hold a public adjuster license in their home state in addition to the surety bond.

Public Adjuster LOAs

No LOA required

Public adjuster fees

Licensing Fee: $80 Reinstatement Fee: $120.00 Renewal: $60

Public adjuster exam required?

Yes

Emergency adjuster details

No special license or qualifications are needed for licensed adjusters sent to the state due to emergency/catastrophe.

DHS Exam Required?

Yes

Address change request through NIPR?

Yes

Continuing Education

Total hours per renewal period

24

Renewal period

2 years

CE due before license renewal date?

Yes

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

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Producers licensed only for limited lines or surplus lines, including variable insurance line of authority that is limited to credit or GAP insurance, travel, surety, pet, or portable electronics, are exempt from CE. Agency and nonresident adjusters are exempt from CE. Other licensees seeking an exemption can be listed on inactive status for reasons such as active military service.

What if a producer missed the renewal date?

Licensee has 30 days past your renewal date to get current and submit your renewal with an additional $100 fine. Past 30 days and up to 60 days, the fee becomes $200, and between 60 and 90 days, your fee is $300. If you’re 90 days past your renewal deadline, you’ll need to get current on CE and must retest for your lines of authority. At the year mark (365 days), you will need to reapply for a completely new license.

CE instructors get credit for teaching courses?

Yes

Can rollover excess hours?

Yes

Amount of rollover credits allowed

Yes, the ethics requirement is for a minimum of three credits in the Ethics course category. If you take more than three, any extra credits will apply to the overall 24 hour total you need for the CE requirement for your license renewal.

Ethics requirements

3 hours ethics or consumer protections

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

Annuity-specific CE requirements

One-time, 4-hour course

Adjusters

All residents are required to take 24 hours of CE within each two-year licensing period with at least 3 of those hours in the Ethics.

Regulatory Updates

Idaho New Reporting Requirements of Pharmacy Benefit Managers

Effective January 1, 2025, Idaho has new expectations for reporting requirements of Pharmacy Benefit Managers (PBMs), including health insurers who perform the activities of a PBM.  - PBMs are required to report to the Idaho Department of Insurance on January 1, 2025, and then annually. - The difference in the amount paid to each pharmacy and the amount charged to health plans, aggregated by each pharmacy. - Transparently disclose why a drug was moved to a tier that results in higher costs to a consumer or lower reimbursement to a pharmacy. - A PBM that owns, controls, or is affiliated with a pharmacy must report differences paid between affiliated and nonaffiliated pharmacies. - PBMs are required to submit quarterly reports to the Department of Insurance on appeals and denial outcomes including reasons for each denial, for each specific drug for which an appeal was submitted. All required reporting should be sent via email to pbm@doi.idaho.gov. Failure to submit timely reporting may result in administrative action. Please see the attachment for more information.

Idaho to Implement New Transaction Types to Process DRLP Changes

Effective September 17, 2024, Idaho implemented new transaction types to process Designated Responsible Licensed Producers (DRLP).

Idaho Makes Changes For Residents For Appointment Renewals And Initial Appointments

Effective July 1, 2024, Idaho made changes for residents involving rule removal and rule language updates. 

Idaho Implements New Transaction Type to Process Primary Name Updates

Effective May 30, 2024, a new transaction type will be implemented for Idaho to process individual and business entity primary name updates.

Idaho Department of Insurance Publishes its September 2023 Newsletter.

See attachment for Idaho Department of Insurance September 2023 newsletter.

Idaho Department of Insurance selects Pearson Vue

Effective September 1, 2023, examination delivery services for the Idaho Department of Insurance’s regulatory licensing program will be administered by Pearson VUE, the global leader in computer-based certification and licensure exam delivery.  See attachment for full details.

Idaho Adding Conditions to Apply for a Temporary Producer License

Effective June 20, 2023, Idaho has added additional conditions allowing residents to apply for a temporary producer license. _Due to electronic fingerprinting being currently unavailable and delays occurring because of physical fingerprint hard card submissions, the Department authorizes resident producer license applicants to request temporary licenses._ _     a.   Requests must be submitted using the "Temporary Resident Producer License Request Form" available at [ https://bit.ly/44yQtoc.](https://bit.ly/44yQtoc.)_ _     b.   The Department may issue a temporary license to an applicant pending receipt of the criminal background check report if all other licensing requirements have been met._ _     c.   Temporary licenses are valid for a period not to exceed 180 days._

Idaho Will Offer Temporary Producer License

Idaho to allow applicants for resident insurance producer licenses to request a temporary license pending review of their criminal history reports. See attachment for full details.

Idaho June Newsletter

Idaho releases its June newsletter. See attachment.

Idaho Removing Inactive Licenses

Beginning on January 25, 2023, Idaho will be removing roughly 170,000 inactive licenses.

Idaho No Longer Requiring Affiliations; Requiring Appointments

Effective immediately, Idaho will no longer requires affiliations for producers, but will require all individuals and entities to be appointed with their carriers

Idaho to Convert to State Based System

Idaho will be converting to the SBS in September. Beginning on September 8th at 6PM Central the Gateway will shut down until September14th at 9AM Central.

Idaho Updates Direct Placement for Surplus Lines

Surplus Lines premium tax must be paid by check to the Idaho Department of Insurance. The stamping fee must be paid to the Surplus Lines Association of Idaho.

Idaho Introduces New Producer Licensing Supervisor

Idaho welcomes their new Producer Licensing Supervisor, Lori Thomason. Also a thank you and congratulations is in order for Lisa Tordjman on her well deserved retirement.

Request a Demo