Downgrading a producer license means the lines of authority on the license are changed from full lines (life, disability, property, casualty or personal lines) to limited lines (surety, credit or travel).
Upgrading a producer license means the lines of authority on the license are changed from limited lines (surety, credit or travel) to full lines (life, disability, property, casualty or personal lines).
Whether you're upgrading or downgrading a license
Neither process may be completed online.
A license may not be downgraded or upgraded if it is within 90 days of the license expiry date. The license must be renewed before any changes to the lines of authority can be processed.
The license-effective and -expiry dates do not change when you downgrade or upgrade a producer license.
Only the lines of authority, renewal fees and continuing education requirements (for residents) change when a license is downgraded or upgraded.
Downgrading a license
Resident individual licensees submit:
- An NAIC uniform paper application (www.naic.org)
- A cover letter requesting a downgrade of your license
- A written statement that you understand:
- You will only have until your next license expiry date to return to a full-lines license without re-taking the full-line exam(s).
- The full-lines-continuing-education (CE) requirement will be required should you wish to return to a full-lines license.
- Returning to a full-lines license will include a $35 upgrade fee.
Non-resident individual licensees submit:
- An NAIC uniform paper application (www.naic.org).
- A cover letter requesting a downgrade
Upgrading a license
Resident individual licensees submit:
- An NAIC uniform paper application (www.naic.org)
- A cover letter requesting an upgrade
- $35 upgrade fee
- Passing score reports for each full line of authority you wish to add
Note: There is one exception to the passing-score-reports requirement. If you held a full-lines license previously and it has been less than 12 months since you did, you will need to submit 24 hours of CE (three of which are ethics credits), instead of passing-score reports.
Non-resident individual licensees submit:
- An NAIC uniform paper application (www.naic.org)
- A cover letter requesting an upgrade
- $35 upgrade fee