State Requirements

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

The expiration date for individuals will be the individual applicant’s date of birth in an odd/even year (based on the applicant’s year of birth).

New York requires applicant’s residence or business address to match the resident state in order to apply. 

Individual applicants must supply a residence and/or business address that is not in New York.

• If residence and business address are in NY, the transaction will be declined.
• If only one address type is in NY the transaction will be allowed.
• If neither address is in NY the transaction will be allowed.

In New York there are two (2) different types of

• A Property and Casualty Broker would be authorized to write all lines of insurance except Life and Variable Annuities.
• A Life/Accident and Health Broker Broker could be authorized to write life and/or accident/health and or variable annuities. The Lines of Authority (LOAs) are determined by the qualifications.

The Property/Casualty Lines of Authority on a Property and Casualty Broker license are - Property, Casualty, Personal Lines and Baggage. However, Section 2104 (B) of the New York Insurance Law states that a Property and Casualty Broker with the Property and Casualty Lines of Authority (LOAs) is authorized to write any and every Line of Authority except Life insurance and Variable Life and Variable Annuity Products.

Individuals License classes below with the status reason of Expired can reapply through Non Resident License application.

• Property and Casualty Broker
• Life/Accident and Health Broker
• Life/Accident & Health Agent
• Property and Casualty Agent
• Excess Lines

Individual applicants reapplying for a license they previously held in New York and has been inactive for less than 2 years and is not CE compliant will be charged a CE fee of $10.00 in addition to the licensing fees.

Applicants can reapply through Non-Resident licensing once the license is Inactive on PDB.

Applicants with Status Reason of “Cancelled” and has a future expiration date must reapply directly with New York Department of Financial Services.

PO Box and Private Mailbox (PMB) are only permitted in the Mailing address field. They are not allowed in the residence or business address fields.

In New York State, an Agent is a Producer who represents one (1) or more insurers and sells insurance to the public on behalf of that insurer(s). In order for the agent to sell insurance, an insurer(s) must have appointed the agent.

In New York State, a Broker is a Producer who represents the public and will do business with any New York licensed insurer which will do business with a Broker. Brokers are not required to have an insurer appointment on file.

Applicant applying for Excess Lines must hold an active Property and Casualty Broker license with Property and Casualty.

Excess Line applicants that are a resident of California must obtain a $50,000 Bond in New York to before a license is issued.

With the exception of 'other' lines, applicant must have an equivalent active resident license when applying for a non-resident license.

Applicants for the Variable Life / Variable Annuity Line of Authority must supply FINRA CRD number on application.

Public Adjuster applicants must submit a bond in the amount of $1,000. Documents may be uploaded to the Additional Documents section of the NIPR Attachments Warehouse.

Bail Bondsman applicants must submit a bond in the amount of $5,000. Documents may be uploaded to the Additional Documents section of the NIPR Attachments Warehouse.

New York requires fingerprinting to be completed for the following license types.  This will apply to first time applicants and applicants who are applying two or more years past their license expiration date. Note: does not apply to applicants who are relicensing within 2 years of expiration date.

New York DFS uses IdentoGO for live scan fingerprinting services. Learn more about Digital Fingerprinting on the IdentoGO website. Fingerprints are required for the following license types: 

• Independent Adjuster
• Public Adjuster
• Bail Bondsman
• Life Settlement Broker

Public Adjuster applicants who are reapplying/relicensing within 2 years of their expiration date will need to be Continuing Education (CE) compliant before the application will be allowed.

Life Settlement Broker applicants must be actively licensed for ‘Life’ line of authority (LOA) on the Life/Accident & Health Agent and/or Life/Accident & Health Broker.

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.

As soon as the license is issued, the applicant will be able to print electronically by accessing the Department's website. Use the Producer Search to determine if the license has been issued and the license number to print the license.

When attempting to access licensing applications, please include the alpha characters ('LA-','PC-','BR-' etc) in front of the New York license number.

Cybersecurity Regulation:

• New York Department of Financial Services licensees are required to comply with Cybersecurity Regulation (23 NYCRR Part 500), which requires the establishment of a cybersecurity program to protect non-public information and has filing requirements that must be met.  A copy of the regulation, FAQs, and more information about cybersecurity can be found on the DFS Website.  Failure to implement a cybersecurity program and comply with the regulation could result in serious harm to your institution and may subject you to disciplinary action.