Maine
Robert L. Carey
Maine Bureau of Insurance
34 State House Station
Augusta, Maine, 04333
Appointments & Terminations
Yes
Yes
Within 15 days of contract execution or first business submission
ME ST T. 24-A § 1420-M Notice of appointment must be within 15 days from the date the first application is submitted or from when the agency contract is executed.
Yes
Individual: $30, Firm: $0
Individual: $45, Firm: $0
Yes
No
No
Yes
Required and is date supplied on transaction. Must not be in the future or precede appointee/appointer's licensure. Must be less than 20 days old.
Yes
Appointment renewals in Maine are handled through an invoice mailed to the Producer Licensing Contact on file with the state.
Maine renewals are due every two years based on the date of your company’s anniversary month. If your company was first licensed in Maine between January and June, your producer appointment renewals will be in even years. If your company was first licensed July through December, renewals are due in odd years
$30
No
Yes
Yes
Termination reason code is not required
Yes
Required and is the date supplied on transaction. Must not be in the future and must be less than 20 days old and must not precede the effective date of the appointment
ME does perpetual licenses, but if a license is canceled or suspended or CE is not met in 60 days of license renewal period end, appointments are canceled
No fee
No
Notices must be mailed
Licensing
Resident New License Insurance Producer: $40 (All LOAs excluding Surplus Lines)
Resident New License Insurance Producer: $180 (Surplus Lines)
Resident New License Producer Limited: $40
Nonresident New License Insurance Producer: $70 (All lines of authority except Surplus Lines)
Nonresident New License Insurance Producer: $180 (Surplus Lines)
Nonresident New License Producer Limited $70.00
Licenses in Maine are considered perpetual, but CE is due on or before the last day of birth month every 2 years based on year of birth
N/A
None, perpetual
For individual's business address only
No
Residence, Business, and Mailing
Intermediary Insurer Domestic, LHF Insurance Company Foreign, PCF Insurance Company Foreign, Risk Retention Group Foreign, Viaticle Provider Foreign, Temporary Resident, Employee Leasing Foreign, Managing General Agent Nonresident, Med Utilization Review Serv Foreign, Preferred Provider Foreign, Third Party Administrator Foreign, Advisory Organization Domestic, Reinsurance Intermediary Broker Nonresident, Reinsurance Intermediary Manager Nonresident, Risk Purchasing Group Foreign, Producer (Resident), Producer (Nonresident), Consultant (Resident), Consultant (Nonresident), Adjuster (Resident), Adjuster (Nonresident), Producer - Limited Nonresident, Producer Limited Resident, Service Contract Admin Foreign, Service Contract Provider Foreign, Pharmacy Benefits Manager Foreign
Yes
ME Offers a Consultant license class to Nonresidents but does not include, "A licensed insurance producer who receives a fee in lieu of a commission pursuant to section 1450 if the insurance producer receives a fee for the insurance transaction and not for other services provided;" Therefore, brokers are included in Insurance Producer license in Maine. Insurers are not required to appoint Brokers per NAIC PLMA
Consultant. "Consultant" means any individual who, for a fee, advises or offers to advise any person insured or seeking insurance or named or to be named as beneficiary, or having or to have any interest in or insured under any property and casualty or life and health insurance contract or annuity contract, existing or proposed. A. "To advise" means to provide information relative to coverage, rights or interests under insurance or annuity contracts, or relative to the retention, exchange, surrender, exercise of rights or other disposition of insurance or annuity contracts. "Consultant" does not include: (1) An attorney licensed to practice who is actively practicing law in this State; (2) An insurance actuary and member or associate of the Society of Actuaries or American Academy of Actuaries; (3) A public accountant certified under Title 32, chapter 113 or a certified public accountant who is certified under Title 32, chapter 113 and in active public practice; (4) A licensed insurance producer who receives a fee in lieu of a commission pursuant to section 1450 if the insurance producer receives a fee for the insurance transaction and not for other services provided; (5) A financial institution or a financial institution holding company if the insurance advice is given as part of its trust department rendering insurance advice in a fiduciary capacity; or (6) A person authorized to act as or on behalf of an investment advisor in accordance with Title 32, section 16403 and 16404 to the extent such activities entail providing insurance advice incidental to financial planning advice
No
Not Required
Two Years
NIPR Gateway
None
Yes
Yes
A licensee must notify the Superintendent within 30 days of any change in address, phone number, email address, name, or other material conditions or qualifications set forth in the original license application. Contact Change Request supported via NIPR Gateway.
- Individual
- Under Licensee Services
- Business Entity
- Under Licensee Services
Failure to report a material change in the conditions or qualifications set forth in the original application may result in a late fee or discipline under ME ST T. 24-A § 2188(6) and ME ST T. 24-A § 1420-K.
Agency
No
Yes
No
90 days prior to license expiration date until expiration date. Late renewal period ends 90 days after expiration. After late renewal period, applicant must submit through initial licensing application.
Yes
Producers must be formally affiliated when selling on behalf of entity & changes must be reported.
Branch office must be licensed
The business entity must notify the Superintendent of: a. any change in the list of individuals designated to act for the agency within 30 days of such change; b. its members, directors, officers, or partners within 14 days of a request for the information; and c. any change in address, phone number, email address, name, or other material conditions or qualifications set forth in the original license application within 30 days. Business Entities must submit changes on the "Business Entity License Changes" page of the state's website.
A travel retailer and its employees can offer travel insurance without a license as long as the business is properly licensed as a travel retailer and they limit their insurance activities to the business of travel insurance.
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV
CA, HI, NY, PR, WY
Property & Casualty, Multi-Peril Crop, Workers' Compensation, Limited - Nonresident
Licensing Fee (Resident): $45. Amendment Fee (Resident): $45 Reinstatement Fee (Resident): $45 Renewal Fee (Resident): $30 Licensing Fee (NR): $75 Reinstatement Fee (NR): $75 Renewal Fee (NR): $60
Yes
Nonresidents can only hold the Limited line of authority.
An adjuster license is not required for an adjuster if sent to the state by an authorized insurer in the case of a declared catastrophe. Note the rules announced in the catastrophe announcements.
Resident Adjusting Firm, Nonresident Adjusting Firm
Licensing Fee (Resident): $45 Reinstatement Fee( Resident): $45 Renewal Fee (Resident): $30 Licensing Fee (NR): $75 Amendment Fee (NR): $75 Reinstatement Fee (NR): $75 Renewal Fee (NR): $60
Yes
Biennially, on Oct. 1st in even numbered years for residents and Jan. 1st in even numbered years for nonresidents.
DRLP Required.
Yes
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of birth
Yes
Prior licensee birth month, biennially. Licensees born in odd-numbered years will renew in odd years, licensees born in even-numbered years will renew in even years. Licenses are perpetual but will be marked inactive if CE credits are not completed on time.
6 months before CE due date
6 months before CE due date
Limited lines agents who don't sell annuities and surplus lines agents are exempt from CE.
The license will remain active 60 days after your CE due date to give you time to complete and submit your outstanding CE. If you do that, you’ll have a late penalty, but your license will remain in good standing. If you miss that 60-day period, you’ll need to retake the licensing exam and apply to reinstate your license.
Yes, once per course every four years
3
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter
One-time, 4-hour course
No, adjusters, both resident and nonresident, are not currently required to complete continuing education credits to maintain their license. They have a bi-annual renewal fee.
https://www.pfr.maine.gov/almsonline/almsquery/SearchIndividual.aspx
https://agentsync.io/blog/individual-producers/insurance-continuing-education-maine
Regulatory Updates
Maine Loads Worker Compensation onto PDB for Adjuster (Nonresident) Licenses
Effective April 11, 2025, Maine will add the Worker’s Compensation line of authority to the Adjuster (Nonresident) license classes, as reflected on the Producer Database Display.
Maine Sends Notice to Verify DHS
Posted February 13, 2025, Maine sent out a notice reminding nonresident adjusters to verify their Designated Home State (DHS) before the October renewal period. Maine will be reviewing the DHS during the renewal cycle, and if it is incorrect, your application may be rejected, and the fee will be retained. Adjusters residing in states that do not license adjusters can select a Designated Home State (DHS). The DHS is the state in which the adjuster does not maintain their principal place of residence or business and qualifies for the license as if they were a resident. A state whose laws permit a nonresident adjuster to designate that state as their home state will require the nonresident to qualify for the license as if the person were a resident.
Maine Adding Additional Nonresident Surplus Lines Broker Requirements
Effective December 13, 2024, Maine will require nonresident applicants applying for a Surplus Lines Broker line of authority to hold Surplus Lines in their resident state.
Maine Cleaning-Up Nonresident Producer License Records
November 1, 2024, Maine will be “cleaning up” individual nonresident producer license records. Under Maine law, a producer must have a valid home state license to hold a Maine nonresident producer license. During the clean-up, these noncompliant licenses will be canceled. This action will occur over the next several weeks and should be completed by the end of 2024. Please see the attachment for more information. Update: November 15, 2024, 7,700 licenses were cancelled effective today Update: November 22, 2024, 15,300 licenses were cancelled effective today Update: December 6, 2024, 9,600 licenses were cancelled effective today
Maine Process Primary Name Updates
Updated November 6, 2024. The new effective date is December 13, 2024 Updated December 5, 2024. The new effective date is December 16, 2024 Effective November 15, 2024, Maine will begin offering a new transaction type to process individual and business entity primary name updates. With this change, Maine isn't allowing the following license classes to submit primary name updates. Click below for the list:
Maine Updates State-Specific Course Approval Form
Effective August 29, 2024, Maine updated the state-specific course approval form. This form is for Maine resident CE providers and providers who are requesting Maine as the courses' home state. Please see attached for more information.
Maine Updating Rules For Address Change Requests And Allowing Business Entities To Process Address Change Requests
Effective date to be determined, Maine will allow Business Entities to process contact change requests electronically. Additionally, existing individual Contact Change Request processing rules will be updated. Update: Maine has temporarily delayed these updates. Additionally, new requirements have been added to exclude specific license types from submitting contact updates electronically. Contact changes for the license types below will need to be submitted to Maine directly. - Workers Comp Individual Self-Insurer - Workers Comp Group Self-Insurer - Continuing Retirement Community-Domestic - Continuing care retirement community – foreign - Captive Insurer - Multiple Employer Welfare Domestic
Maine Will Began Using CE Home State Approval letters
Maine will begin using CE Home State Approval letters. This shows if the course is approved after review by the Maine Bureau of Insurance Continuing Education Advisory Committee. Please see the attachment for more information.
Maine Posts Response to Recently Distributed Misinformation
On July 3, 2024, Maine posted a response to some recently distributed misinformation. The Maine Bureau of Insurance would like to assure all interested parties that there have been NO changes to Maine’s appointment fees, processes or renewal schedules. See attachment for more information.
Maine Updates its Response time Requirements to Superintendent and Application Inquiries
Effective October 25, 2023, Maine updates Bill to document requirements indicating applicants have 10 business days to provide application / disclosure information. Please see attachment for more information.
Maine P&C Surplus Lines Licenses and Premium Tax Changes
Effective October 25, 2023, Maine will be making changes to P&C Surplus Lines Licenses and Premium Taxes. See attachment for full details.
Maine Updates Law Concerning Cybersecurity Events
On July 19, 2023, Maine updated the law concerning Cybersecurity Events. See attachment for full details.
Maine Revising Pet Insurance Producer Requirements
Effective October 19, 2023, Maine has revised Pet Insurance Producer requirements for Residents and Nonresidents.
Maine Surplus Lines Premium Tax Change
Maine is retroactively changing Surplus Lines Premium Tax to 3% effective January 1, 2023. See attachment.
Maine Will Add Self Storage Provider License Class for Display
Effective March 24, 2023, Maine will add a Self Storage Provider/Self Storage license to the PDB for display purposes only.
Maine to Add Limited – Home State Line of Authority
Effective March 14th, 2023, Maine will be adding the Limited - Home State line of authority to Producer Limited Nonresident license class.
Maine Updates Requirements for Self-Service Storage Agents
The updates now require the name, address, etc. must be provided. Additionally, the license applicant must appoint the superintendent as the applicant's attorney of all legal process. This applies to both residents and nonresidents.
Maine Changes Surplus Tax Rate
The tax rate will now be 3% and, if in Canada, it will be the highest rate of taxation that applies to the non-admitted insurer. If one does not comply, it will be $25 or 10% (whichever is higher) within 60 days. If reported after this period, it is $25 or 25%. The fee increases the longer one withholds payment.
Maine Requiring Pet Insurance Training
On January 1, 2023, Maine will require Pet insurance carriers to provide training to both residents and nonresidents.
Maine Announces New Website and Procedural Changes
Maine has introduced a new website. With this introduction, they will no longer be mailing hard copy invoices to certain license prefix types.
FAQs
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How Do I Get an Insurance License in Maine?
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How Do I Get a State Adjuster License in Maine?
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How do I renew my insurance license in Maine?
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How do I renew my nonresident insurance license in Maine?
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How Do I renew My Non-Resident Adjuster License in Maine?
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How Do I Renew My Adjuster License In Maine?