1.2 North Dakota P&C Producer Licensing Requirements

Overview of Licensing

A producer license authorizes individuals to sell, solicit, or negotiate insurance in North Dakota. The Property & Casualty license includes two major lines:

Pre-License Education

North Dakota does not require pre-licensing education. You can register for the PSI exams without a course certificate.

Examination Requirements

Exam Details

Scheduling Your Exam

1. Register with PSI - Online at psiexams.com or by phone
2. Pay Exam Fee - $64 per exam
3. Schedule Appointment - Choose date, time and test center or remote session
4. Receive Confirmation - Keep for your records

Exam Day Requirements

Bring to the exam:

• One current, government-issued photo ID with your name and signature
• PSI registration confirmation

Do NOT bring:

• Cell phones (must be stored)
• Notes or study materials
• Food or drinks

Exam Results

• Score - Displayed on screen at the end, and a score report is emailed to you
• Pass - 77 of 110 correct (70%) on each exam; a passing score is valid for one year
• Fail - Retake only the failed exam; you may retest an unlimited number of times
• Score Report - A failing report shows performance by content area

License Application Process

After Passing the Exam

1. Apply Through NIPR

   • Complete the NAIC Uniform Application at nipr.com
   • Provide required information

2. Background Check

   • Resident applicants submit fingerprints for a state and national criminal history check
   • Disclose any regulatory actions

3. Pay License Fee

   • $100 to issue the producer license (N.D.C.C. 26.1-01-07)

4. Receive License

   • Electronic license issued
   • Verify information accuracy
   • Begin selling insurance once appointed

Application Disclosures

You must disclose:

• Felony convictions
• Misdemeanor convictions (insurance-related)
• License denials, suspensions, revocations in any state
• Regulatory actions or sanctions
• Civil judgments related to insurance

Important: Failure to disclose required information is grounds for license denial or revocation.

License Types

Resident vs. Non-Resident

Non-Resident Application

Non-residents must:

• Hold active license in home state
• Apply through NIPR
• Pay non-resident fee
• Maintain home state license in good standing

Continuing Education Requirements

CE Requirements

License Continuation

Continuation Process

Lapsed License Reinstatement

If the license expires:

• Stop acting under the license
• For up to one year after expiration, reinstate by application and a $100 fee through NIPR
• You must be in compliance with continuing education
• Non-residents must reapply instead

Lines of Authority

P&C Sub-Lines

The P&C license may include these sub-lines:

Adding Lines of Authority

To add lines:

• Pass the examination for the new line
• Apply through NIPR
• There is no fee to add a line of authority to an active license, and no new fingerprints are needed

Exam Tip: Know the CE requirements (24 hours every 2 years including 3 ethics hours) and the biennial license continuation. These are commonly tested topics.