How Do I Get an Insurance License in New Hampshire?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the New Hampshire insurance exams. The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each combined line of insurance you wish to carry. In New Hampshire, the Property & Casualty lines are combined into one exam. Life, Accident, and Health is a combined exam as well. Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check initiated by the application will also be reviewed.

How Do I Get a State Adjuster License in New Hampshire?

The first step is to take and pass the New Hampshire Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one exam. Once you have completed all your coursework and passed the examinations, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about twenty-four (24) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

How do I renew my insurance license in New Hampshire?

The state of New Hampshire requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two-year licensing period. At least three (3) but no more than ten (10) of those hours must be in the subject of ethics. Credits cannot include the same course taken repeatedly in one reporting period. After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your New Hampshire insurance license online using the <a href="https://www.nh.gov/insurance/producers/license.htm">New Hampshire Insurance Department</a> website. In New Hampshire, insurance licenses expire every two years. The expiration will be on the last day of your birth month, biennially, based on the anniversary of your original license year. This means that if you were issued a license in an even-numbered year, your license will expire on the last day of your birth month in even-numbered years. Additionally, there is presently no requirement to take another exam from the state; however, depending on the format of your continuing education, it is possible that you may take a short test at the end of the course to be sure that you understand important concepts, laws, and regulations. There is a fee of $150 to renew your license. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.

How do I renew my non-resident insurance license in New Hampshire?

If this is the state you reside in, then renewing your license will also keep any non-resident license you have in good standing. You will still need to pay the license renewal fee for non-resident licenses held in other states. There is a fee of $150 to renew your license. Renewal applications can be completed online via the <a href="https://nipr.com/licensing-center/state-requirements/new-hampshire-non-resident-licensing-individual">NIPR</a>. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.

How Do I renew My Non-Resident Adjuster License in New Hampshire?

The New Hampshire Non-Resident Adjuster License is a two-year license that can be renewed online via NIPR. In the state of New Hampshire, Non-Resident Adjuster Licenses can be renewed if the following terms are met: If an applicant is submitting Adjuster Designated Home State renewal, the applicant will not be permitted to change the Designated Home State to or from New Hampshire. Applicants may select New Hampshire as Adjuster Designated Home State while renewing their Non Resident New Hampshire license, only if New Hampshire is currently listed as the Designated Home State on PDB. Applicants who currently have New Hampshire listed as the designated home state on their New Hampshire license on PDB must be CE compliant prior to renewing. Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Nevada are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS). There is an $75 fee to renew your Nevada adjuster license. You can renew your license online through an application on NIPRs website.

How Do I Renew My Adjuster License In New Hampshire?

Resident New Hampshire adjusters are required to complete 24 hours of continuing education (CE) every two years. The expiration date of your license is set as the last day of your birth month. Additionally, you are required to complete a total of twenty-four (24) hours of continuing education (CE), including three (3) hours of ethics coursework, to upkeep your adjuster license. There is an $75 fee to renew your New Hampshire adjuster license. You can renew your New Hampshire adjuster license online through an application on NIPR’s website. For more information, contact the New Hampshire Insurance Department.

New Hampshire

state commissioner

Chris Nicolopoulos

STATE email

producerquestions@ins.nh.gov

STATE phone

(603) 271-2261

STATE LICENSE DIVISION ADDRESS

New Hampshire Insurance Department

Visit State Website

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

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?

Yes

Fees for appointing a resident agency or individual?

$25

Fees for appointing a non resident agency or individual?

$25

Appoint agencies?

Yes

Adjuster appointments via NIPR?

Appointment effective date can be specified?

Appointment effective date rule

Date the transaction is processed.

State requires appointment renewal?

No, perpetual

Appointment renewal fee

No fees

Terminations processed via NIPR?

Yes

Termination reasons

Termination reason code is not required

Termination date can be specified by carrier?

Yes

Termination Effective date rule

Backdating can not precede the date the transaction is processed

Termination fee

$25

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $210 Non Resident New License Insurance Producer: $210

License renewal fee

Resident Renewal Insurance Producer: $150 Non Resident Renewal Insurance Producer: $150

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

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

Portable Electronics Small, Company, Insurance Producer, Adjuster

State broker license rule

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

Requires pre licensing courses?

Fingerprints Required?

Not Required

Citizenship requirement details

Non-citizen requirements: Applicant must submit the appropriate employment authorization document or permanent resident card to: Upload to the NIPR Attachment Warehouse Email PRODUCERQUESTIONS@INS.NH.Gov NHID Licensing Division, 21 South Fruit St. Ste 14 Concord, NH 03301

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

Has Personal Lines LOA?

Yes

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

A licensee must notify the Commissioner of any change of address within 30 days. a. There is a $10 fee for manual address changes. b. Email addresses need to remain up-to-date. Contact Change Request supported via NIPR Gateway.

Agency

Can a sole proprietor be licensed as an entity?

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 May, 31st, biennially.

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

Branch office

Main license meets requirements

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

DHS exam required?

Yes

Reciprocity states

AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, 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

Workers' Compensation, Property & Casualty (including Workers' Compensation and Crop), Property and Casualty (excluding Workers' Compensation and Crop)

Independent adjuster fees

Licensing Fee: $75 Renewal Fee: $75 License Amendment Fee: $50 Reinstatement Fee: $75

Independent adjuster exam required?

Yes

Independent adjuster renewal date

Biennially, on the last day of the individual's birth month.

Independent adjuster details

Late Renewals are not accepted.

Emergency adjuster details

In the event of an emergency, a temporary license can be issued to qualified persons. This temporary license is active until discretion of the commissioner deems it inactive or one year from its issuance.

Continuing Education

Total hours per renewal period

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 prior to license expiration.

How long before expiration does state send CE reminder?

No reminder. Only license renewal reminder.

Exemptions to CE

LUTCF, CLU, CFC, and CFPs are exempt from CE. Those renewing their license for the first time are exempt from CE.

What if a producer missed the renewal date?

If CE is completed within the 60 day window (between CE due date and license expiration date) an additional late CE fee will be charged. $50 additional for producers and $25 additional for all adjusters. If CE is completed after expiration, the fee increases to double the license fee for all license holders. To reinstate a license within 2 years of expiration, you must be CE compliant. For Residents reinstating after two years, CE is no longer required but you must pass the licensing exam again.

CE instructors get credit for teaching courses?

Yes, once per course per compliance period.

Ethics requirements

3-10

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

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-new-hampshire

Regulatory Updates

New Hampshire to Add NUQs to Collect Business Entity Name for Adjuster Applicants

Effective September 15th, 2023 New Hampshire will require all Non-resident adjuster applicants to answer questions by providing the name of their employer.

New Hampshire Issues Bulletin Regarding Notice Required Producer Terminated for Cause

On August 7, 2023, New Hampshire issued a bulletin laying out notice required when a producer is terminated for cause. See attachment for full details.

New Hampshire Has Revised Reasons for Revocation of a License

Effective August 29, 2023, New Hampshire has revised the reasons a license may be suspended, revoked, or refused for both business entities and individual insurance producers. No changes to Manage Posted to Compliance Library The license of a resident or non resident **business entity** may be suspended, revoked, or refused if the Commissioner finds, after a hearing in accordance with NH ST § 400-A:17, that: a. an individual licensee's violation was known or should have been known by one or more of the partners, officers, or managers acting on the partnership's or corporation's behalf; b. the violation was not reported; and c. no corrective action was taken. The Commissioner may place on probation, suspend, revoke, or refuse to issue or renew an **insurance producer's** license, or may levy an administrative fine not to exceed $2,500 per violation, or any combination of actions for any 1 or more of the following causes: a. violation of any insurance law, of any regulation, subpoena, or order of the Commissioner of this state or another state; b. obtaining or attempting to obtain a license by fraud or misrepresentation; c. improper handling of money in course of the business under the license; d. conviction of a felony; e. intentionally misrepresenting the terms of an actual or proposed insurance contract or application; f. use of fraudulent or dishonest trade practices; g. forging another person's name to an application for insurance or any related document; h. improperly using notes or reference material to complete an insurance exam; i. knowingly accepting insurance business from someone who is not properly licensed; j. suspension, denial or revocation of an insurance license in another jurisdiction; k. using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility whether directly, as an individual, or through activities for an entity, in the conduct of any business activity, or fraud, misappropriation or conversion of funds, misrepresentation or breach of fiduciary duty involving any activity in New Hampshire or elsewhere; l. providing incorrect, misleading, incomplete, or materially untrue information in the license application; or m. failing to comply with an administrative or court order imposing a child support obligation.

New Hampshire implements new transaction type to process individual primary name updates

~~Effective September 15, 2023~~, New Hampshire will implement a new transaction type to process individual primary name updates. ~~Update: Effective date has been updated to To Be Determined.~~ Update: Effective date has been updated to September 15, 2023

New Hampshire CE Requirement Updates

New Hampshire has made several updates to their CE requirements.

NH Resident and Non-Resident Changes

NH has listed updates to the following: Fees, General requirements for organization non-resident license, Discount Medical Plan Organizations requirements, and license renewal and causes for license revocation and surrender.

NH Highlights that both Carriers AND Agencies can Report Fraud

This announcement is a result of recent fraud cases surfacing that were not reported. It highlights that fraud is a serious matter and can result in a fine or becoming barred from conducting insurance in NH. Any individual, agency, carrier, etc. can report fraud.

Update to New Hampshire Third Party Admin Requirements

Effective July 2, 2022 NH will require a Third Party Administrator to include contact information for a designated agent in New Hampshire for service of process with certificate application for both Residents and Non-Residents.

FAQs

How Do I Get an Insurance License in New Hampshire?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the New Hampshire insurance exams. The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each combined line of insurance you wish to carry. In New Hampshire, the Property & Casualty lines are combined into one exam. Life, Accident, and Health is a combined exam as well.

Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check initiated by the application will also be reviewed.
How Do I Get a State Adjuster License in New Hampshire?

The first step is to take and pass the New Hampshire Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one exam. Once you have completed all your coursework and passed the examinations, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about twenty-four (24) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
How do I renew my insurance license in New Hampshire?

The state of New Hampshire requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two-year licensing period. At least three (3) but no more than ten (10) of those hours must be in the subject of ethics. Credits cannot include the same course taken repeatedly in one reporting period. After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your New Hampshire insurance license online using the New Hampshire Insurance Department website.

In New Hampshire, insurance licenses expire every two years. The expiration will be on the last day of your birth month, biennially, based on the anniversary of your original license year. This means that if you were issued a license in an even-numbered year, your license will expire on the last day of your birth month in even-numbered years.

Additionally, there is presently no requirement to take another exam from the state; however, depending on the format of your continuing education, it is possible that you may take a short test at the end of the course to be sure that you understand important concepts, laws, and regulations.

There is a fee of $150 to renew your license. AgentSync can also help with the renewal process.

Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.
How do I renew my non-resident insurance license in New Hampshire?

If this is the state you reside in, then renewing your license will also keep any non-resident license you have in good standing. You will still need to pay the license renewal fee for non-resident licenses held in other states.

There is a fee of $150 to renew your license. Renewal applications can be completed online via the NIPR. AgentSync can also help with the renewal process.

Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.
How Do I renew My Non-Resident Adjuster License in New Hampshire?

The New Hampshire Non-Resident Adjuster License is a two-year license that can be renewed online via NIPR.

In the state of New Hampshire, Non-Resident Adjuster Licenses can be renewed if the following terms are met:
If an applicant is submitting Adjuster Designated Home State renewal, the applicant will not be permitted to change the Designated Home State to or from New Hampshire.
Applicants may select New Hampshire as Adjuster Designated Home State while renewing their Non Resident New Hampshire license, only if New Hampshire is currently listed as the Designated Home State on PDB.
Applicants who currently have New Hampshire listed as the designated home state on their New Hampshire license on PDB must be CE compliant prior to renewing.

Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Nevada are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS).

There is an $75 fee to renew your Nevada adjuster license. You can renew your license online through an application on NIPRs website.
How Do I Renew My Adjuster License In New Hampshire?

Resident New Hampshire adjusters are required to complete 24 hours of continuing education (CE) every two years. The expiration date of your license is set as the last day of your birth month.

Additionally, you are required to complete a total of twenty-four (24) hours of continuing education (CE), including three (3) hours of ethics coursework, to upkeep your adjuster license.

There is an $75 fee to renew your New Hampshire adjuster license. You can renew your New Hampshire adjuster license online through an application on NIPR’s website.

For more information, contact the New Hampshire Insurance Department.