State Requirements

Puerto Rico / Non-Resident Licensing / Individual

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  • Fees shown are state fees only. These fees do not include NIPR transaction fees.
  • Fees are per application.

Insurance Producer

  • Fee: $1682.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1682.00

Authorized Person

  • Fee: $0.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $0.00
  • Fee Disclaimers: Fee is paid by affiliated business entity.

Authorized Representative

  • Fee: $1682.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1682.00

Reinsurance Intermediary Manager

  • Fee: $1662.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1662.00

Reinsurance Intermediary Producer

  • Fee: $1662.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1662.00

Surplus Lines Broker

  • Fee: $1050.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1050.00

Viatical Settlements Broker

  • Fee: $1682.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1682.00

Viatical Settlements Investments Agent

  • Fee: $1682.00
  • Amendment Fee: $0.00
  • Reinstatement Fee: $1682.00

Important Definitions and License Requirements:

  • Insurance Producer - in selling, soliciting, and negotiating insurance, the producer shall not act as authorized representative of the insurer.
    • Insurance Producer cannot be appointed. If an Insurance Producer accepts appointments from an insurer, they have to change their license type to the Authorized Representative.
    • Insurance Producer business entity's designated responsible licensed producers must hold an Authorized Person license.
    • Exams and continuing education must be met in the applicant's resident state.
  • Authorized Representative - is a producer that subscribes a contract with an insurer to sell, solicit, and negotiate insurance on his behalf and can be as employee or as independent contractor as
    • Authorized Representative cannot be affiliated to a business entity.
    • Applicant must have an active appointment with at least one insurer for the license to be active.
    • Authorized Representative business entity's designated response licensed producers must hold an Authorized Person license.
    • Exams and continuing education must be met in the applicant's resident state.
  • Authorized Person – is a designated responsible licensed producer. When a business entity obtains an Insurance Producer or Authorized Representative license, all the individuals affiliated to it will be listed as Authorized Persons.
    • Authorized Person must list only one affiliation to a business entity.
    • More than one affiliation is not permitted.
    • Applicant cannot be a business entity.
    • Authorized Person must apply for lines of authority the business entity holds. Applicant does not need to hold the same license type as the business entity. At least one Authorized Person listed as the designated responsible licensed producer (DRLP) must hold ALL lines of authority as the business.
    • At least one Authorized Person listed as the DRLP must also be listed as an owner, partner, officer, or director on the application.
    • At least one DRLP that holds all lines must also be an owner, partner, officer, or director.
    • Exams and continuing education must be met in the applicant's resident state.
PRODUCER

Insurance Producer

  • Life
  • Disability
  • Health Services
  • Variable Life and Variable Annuity
  • Property
  • Casualty
  • Fraternal Life
  • Reinsurance
  • Title

Authorized Person

  • Life
  • Disability
  • Health Services
  • Variable Life and Variable Annuity
  • Property
  • Casualty
  • Automobile & Accidents
  • Fraternal Life
  • Limited Life
  • Marine, Transportation, Fire and Allied Lines
  • Reinsurance
  • Surplus Lines
  • Title
  • Viatical Settlements

Authorized Representative

  • Life
  • Disability
  • Health Services
  • Variable Life and Variable Annuity
  • Property
  • Casualty
  • Fraternal Life
  • Reinsurance
  • Title
Adjuster

Emergency Independent Adjuster

  • Automobile & Accidents
  • Marine, Transportation, Fire and Allied Lines

Emergency Public Adjuster

  • Automobile & Accidents
  • Marine, Transportation, Fire and Allied Lines

Independent Adjuster

  • Automobile & Accidents
  • Marine, Transportation, Fire and Allied Lines

Public Adjuster

  • Automobile & Accidents
  • Marine, Transportation, Fire and Allied Lines
OTHER

Reinsurance Intermediary Manager

  • Reinsurance

Reinsurance Intermediary Producer

  • Reinsurance

Surplus Lines Broker

  • No Line of Authority Required

Viatical Settlements Broker

  • Viatical Settlements

Viatical Settlements Investment Agent

  • Viatical Settlements

Applicant Can

  • Submit initial license for individuals electronically.
  • Submit major lines of authority.
  • Submit limited lines of authority.
  • Submit surplus lines for individuals.
  • Add lines of authority (amend) to an existing active license.
  • Reinstate/reapply through NIPR's Non-Resident License (NRL) Application.
  • Print license electronically.

Business Rules

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

  • Applicants that answer "No" to question, "Are you a US Citizen?" must send proof of legal work authority to the state.

  • Applicant must use Non-Resident Renewal (NRR) application until one (1) month past expiration date. Five (5) years after expiration, applicant must reapply as new.

  • Applicants with serious RIRS actions or 1033 actions applications will be deferred to the state for review.

  • Applicant applying for Variable Life and Variable Annuity must hold an active Life line of authority or be applying for Life simultaneously within the same license class.

  • Authorized Person may not be held simultaneously with any license type outside of Attorney-in-Fact.

  • Authorized Persons must be a Designated Responsible Licensed Producer (DRLP) of a business entity. Authorized Person must list only one (1) affiliation and more than one (1) affiliation is not permitted on the application.

  • Authorized Representative applicants must have an appointment with an insurer for this license to become valid. Please be sure to submit application for appointment once the license is approved and is displaying the Producer Database (PDB). If the license is not displaying the PDB, the appointment will be declined.

  • Independent Adjuster, Public Adjuster, Emergency Independent Adjuster, and Emergency Public Adjuster may not hold any other license type concurrently.

  • Surplus Lines Broker applicants must hold an active Insurance Producer or Authorized Representative and have $25,000.00 bond. Applications will be deferred to state for verification.

  • Applicants with a resident license in Guam are unable to apply electronically for Puerto Rico licenses. Please contact Puerto Rico directly to apply for a license or amend.

  • 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.

Contact Information

Mailing Address

Office of the Commissioner of Insurance
Office of the Commissioner of Insurance
PMB 356
Guaynabo, PR 00968-3029
United States

Phone (Select (1) English or (2) Spanish, then select (3) for licensing department): (787) 304-8686 or (888) 722-8686

Go to State Website

Frequently Asked Questions

Online printing information can be found by going to NIPR's license print page and selecting the state.

Exams are valid for one (1) year.

Original documents of new name registration with the Puerto Rico Secretary of State must be mailed to Oficina del Comisionado de Seguros address listed above

  • Residents are required to mail request and a corporate resolution to Oficina del Comisionado de Seguros address listed above.
  • Non-Residents can request by email to vortiz@ocs.pr.gov.

A written request must be sent by fax or emailed to cumplimiento@ocs.pr.gov. If a resident changes domicile, the license is cancelled automatically.

Email request to dperez@ocs.pr.gov.

Email request to cumplimiento@ocs.pr.gov.

Email request to cumplimiento@ocs.pr.gov.

  • Residents are required to mail request and a corporate resolution to Oficina del Comisionado de Seguros address listed above.
  • Non-Residents can request by email to vortiz@ocs.pr.gov.

A written request must be sent by fax or emailed to cumplimiento@ocs.pr.gov (residents), vortiz@ocs.pr.gov (nonresidents).