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U.S. Insurance Agent Compliance Checklist

This 8 checklist helps licensed insurance agents and producers follow the laws and ethical standards required in the United States. It includes state-level and federal rules you must know and follow.

1. Licensing & Certification

  • Complete Pre-Licensing Education required by your state
  • Pass the State Licensing Exam
  • Complete Fingerprinting / Background Check
  • Apply for a license through your State DOI or NIPR.com
  • Renew your license before it expires
  • Complete all Continuing Education (CE) credits on time

2. NAIC Model Law Compliance

  • Follow the Unfair Trade Practices Act (no misleading sales)
  • Comply with the Producer Licensing Act
  • Protect customer data under privacy model rules
  • Do not offer rebates or replace policies unethically

3. Sales & Marketing Practices

  • Clearly state you are a licensed insurance agent
  • Do not promise guaranteed income unless backed by contract
  • Avoid fear tactics or misleading offers
  • Get signed consent before contacting any lead
  • Explain all product details: benefits, costs, and risks
  • Keep notes of all client meetings and conversations

4. Client Data Protection & Privacy

  • Only collect info needed to give a quote or application
  • Use secure tools—no spreadsheets or personal devices
  • Never share personal info without consent
  • Post a Privacy Policy on all websites and forms
  • Follow HIPAA if handling health/disability data
  • Follow CCPA/CPRA rules for California residents

5. Communication & TCPA Rules

  • Get written permission before calling or texting leads
  • Use opt-in checkboxes on forms
  • Do not call numbers on the Do-Not-Call list without consent
  • Say who you are and why you’re calling each time
  • Honor all opt-out and do-not-contact requests

6. Presentation & Sales Process

  • Always start with a needs analysis
  • Offer multiple policy options when possible
  • Use simple, respectful language when presenting
  • Give the client brochures or key info documents
  • Get all forms signed before submitting applications
  • Let the client ask questions and take their time

7. Recordkeeping & Reporting

  • Keep records for 5–7 years (applications, notes, emails)
  • Maintain signed documents and communication logs
  • Report any suspected fraud or misconduct to the DOI
  • Keep your licensing and appointments up to date

8. Professional Conduct

  • Always act in the best interest of your client
  • Avoid conflicts of interest or hidden incentives
  • Be honest about your experience and licenses
  • Never forge signatures or mislead clients
  • Stay updated with product changes and new laws