Fees
Fees shown are state fees only. These fees do not include NIPR transaction fees.
- $10 CE fee for Reinstatements (if applicable)
- The full fee is to be reduced to a half fee if the license will be issued for a period of one (1) year or less. The filing fee is never reduced to a half fee. The license fee is based off when the application is submitted and when the expiration date is.
- The expiration dates for individuals will be the individual applicant’s date of birth in an odd/even year (based on the applicant’s year of birth).
- Excess lines fee is based on Largest County in New York State in which applicant maintains an office or in which risks are located upon with the propose to place insurance as an excess line broker. Fee is $50 for county population of less than 100,000 and fee is $400 for county population of over 100,000.
Life/Accident & Health Broker
Application fee:
$80
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $40 fee will be assessed. If the license duration is greater than one year, then an $80 fee will be assessed
Life/Accident & Health Agent
Application fee:
$80
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $40 fee will be assessed. If the license duration is greater than one year, then an $80 fee will be assessed.
Property and Casualty Broker
Application fee:
$80
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $40 fee will be assessed. If the license duration is greater than one year, then an $80 fee will be assessed.
Property and Casualty Agent
Application fee:
$80
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $40 fee will be assessed. If the license duration is greater than one year, then an $80 fee will be assessed.
Excess Lines
Fee:
$50
Fee disclaimers:
county population of less than 100,000/Issued for greater than one year
Excess Lines
Fee:
$400
Fee disclaimers:
county population of over 100,000/Issued for greater than one year
Excess Lines
Fee:
$25
Fee disclaimers:
county population of less than 100,000/Issued for less than one year
Excess Lines
Fee:
$200
Fee disclaimers:
county population of more than 100,000/Issued for less than one year
Independent Adjuster
Fee:
$100
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $50 fee will be assessed. If the license duration is greater than one year, then an $100 fee will be assessed
Public Adjuster
Fee:
$100
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $50 fee will be assessed. If the license duration is greater than one year, then an $100 fee will be assessed
Bail Bondsman
Fee:
$50
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $25 fee will be assessed. If the license duration is greater than one year, then an $50 fee will be assessed
Life Settlement Broker
Fee:
$80
Fee disclaimers:
Fee is based on the license duration. If the license duration is one year or less, a $40 fee will be assessed. If the license duration is greater than one year, then an $80 fee will be assessed.
Lines of Authority
Please note that license class names can vary by state.
NIPR verifies exams prior to allowing submission of an application.
Applications for Other lines of authority will defer to state for approval.
Life/Accident & Health Broker
Exam Required
Life, Accident & Health, Variable Life/Variable Annuity
Life/Accident & Health Agent
Exam Required
Life, Accident & Health, Variable Life/Variable Annuity
Property and Casualty Broker
Exam Required
Property, Casualty, Personal Lines
Property and Casualty Agent
Exam Required
Property, Casualty, Personal Lines
Excess Lines
Exam Not Required
No Line of Authority Required
Independent Adjuster
Exam Required
Adj-Auto Damage/Theft Appr, Adj-MV No Fault/Wkrs Comp, Adjusting – Automobile, Adjusting-Accident & Health, Adjusting - Aviation, Adjusting-Inland Marine, Adjusting - Fidelity & Surety, Adjusting – Casualty, Adjusting - Fire, Adjusting - General
Public Adjuster
Exam Required
Adjusting (PC)
Bail Bondsman
Exam Required
Bail Bonds
Life Settlement Broker
Exam Required
Not Applicable
Rules and Regulations
Applicant Can
- Submit initial license for individuals electronically.
- Submit major lines of authority.
- Submit limited lines of authority.
- Submit surplus (excess) lines for individuals.
- Print license electronically.
- Add lines of authority (amend) to an existing active license.
- Reinstate/reapply through NIPR's Resident License (RL) Application.
- Apply for Adjuster licensing electronically through NIPR.
Business Rules
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).
Applicant applying for Excess Lines must hold an active Property and Casualty Broker license with Property and Casualty.
Applicants may reapply for expired license once the license is in ‘inactive’ status on PDB.
Applicants with Status Reason of “Cancelled” and has a future expiration date must reapply directly with New York Department of Financial Services.
Applicants who are reapplying for an expired license within 2 years of the license expiration date must be compliant with Continuing Education (CE)requirements. Applicants who are reapplying more than 2 years following the license expiration date will be treated as a first-time applicant and must have a passed exam record to apply.
Applicant’s applying for ‘VARIABLE LIFE/VARIABLE ANNUITY’ line of authority must be actively licensed for ‘Life’ line of authority for the same license class on PDB or be applying for ‘Life’ line of authority for the same license class at the same time.
Applicant’s applying for ‘VARIABLE LIFE/VARIABLE ANNUITY’ line of authority must supply CRD# on the application.
Applicant must supply a residence and/or business address that is in New York. If both the residence and the business address are outside of New York, the transaction will be declined.
Applicants are exempt from exam if applying for new resident license within 90 days of cancelling former resident state’s license.
New York does not have any additional/separate requirements for applicants who are non-citizens.
PO Boxes and Private Mailboxes (PMB) are only permitted in the Mailing address field. If a PO Box or Private Mailbox is supplied in the residence or business address fields, he transaction will not be allowed.
Applicants with a status reason of Revoked can reapply after a period of 1 year.
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.
Life Settlement Broker applicants must have a passed exam record on file, or the applicant must be actively licensed for ‘Life’ line of authority (LOA) on the Life/Accident & Health Agent and/or Life/Accident & Health Broker license classes.
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 Bond 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. Applicant is required to submit a receipt from the fingerprint vendor. The fingerprint receipt may be uploaded to the Additional Documents section of the NIPR Attachments Warehouse.
New York DFS uses IdentoGO [LINK TO: https://www.identogo.com/] 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 Bonds
- Life Settlement Broker
Note: does not apply to applicants who are relicensing within 2 years of expiration date.
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.
Special Instructions
Contact Information
Mailing Address
New York Department of Financial Services
One State Street
New York, NY 10004-1511
United States
State overview page
Learn more about state-specific licensing requirements and associate fees to ensure you have all the necessary information for compliance.