State Requirements

Business Rules

• Effective July 1, 2023, the Department will no longer accept paper applications. All applications must be filed through NIPR.com and all fees must be paid through EFT in the NIPR.com system. Any paper apps received on or after July 1, 2023, will be mailed back to the sender. Any applications received late as a result of submission of a paper application being returned will be the responsibility of the applicant and all lapses in licensure and any penalty fees for late submission will remain in place.

• The Illinois Department of Insurance will be phasing out renewal reminders at the beginning of January 2024. NIPR has a free app that can be downloaded by all producers for iOS and Android devices that can be set up to send automatic reminders prior to license expiration dates. The Department requests all licensees to utilize this free services.

• Applicant must be one of the following legal business types:
  • Partnership
  • Limited Liability Company (LLC)
  • Limited Liability Partnerships (LLP)
  • Corporation
  • Sole Proprietor

• Applicant will be unable to apply electronically if they hold an inactive, non-resident Illinois license on Producer Database (PDB).

• Illinois only allows amendments to a license if the license is active and the applicant holds an active resident license with an equivalent line of authority (LOA). Illinois does not charge a state fee for amendments.

• Canadian applicants without a U.S. resident license cannot apply electronically.

• At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application and have an active resident or non-resident license in Illinois. Note: Please refer to the Line of Authority section of this page for a list of offerings that require a DRLP to be supplied.
  • Each DRLP entered must be actively licensed in Illinois (resident or non-resident). Unlicensed DRLPs are not permitted.
  • Business Entity applicants applying for Viatical Settlement Broker  must enter a Designated Responsible Licensed Producer (DRLP) that is actively licensed as a Viatical Settlement Broker on PDB.
  • Business Entity applicants applying for Public Adjuster must enter a Designated Responsible Licensed Producer (DRLP) that is actively licensed as a Public Adjuster on PDB.
  • At least one (1) of the DRLP specified on the application must also be specified as an owner, partner, officer or director and hold an insurance license in Illinois. At least one (1) owner, partner, officer or director must be entered on the application; this person must hold an insurance license in Illinois. Note: this does not apply to offerings that are not required to supply a DRLP.
  • Business Entity applicants applying for Public Adjuster – all entries on the Owner, Partner, Officer and Director (OPOD) section of the application must be actively licensed as a Public Adjuster on PDB.

• All business entity applications require at least one (1) Designated Responsible Licensed Producer (DRLP). DRLP’s must:
  • A DRLP license must be listed on PDB and be applying for a business entity license. If a DRLP license is not active or not listed on PDB, applicant will still owe the state fee and the transaction will be declined.
  • Have an active resident or non-resident license in Illinois. This excludes car rental limited license and self-service storage limited license. DRLP does not have to maintain license in Illinois.
  • At least one (1) of the DRLP specified on the application must also be specified as an owner, partner, officer or director and hold an insurance license in Illinois. At least one (1) owner, partner, officer or director must be entered on the application; this person must hold an insurance license in Illinois.

• Public Adjuster applicants are required to submit a bond in the amount of $20,000. Applicant is required to upload required documentation to the state via the NIPR Attachment Warehouse

• If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.