Answering the three Huge Questions About Citizenship Affidavits in Insurance coverage Licensing


This publish is a part of a sequence sponsored by AgentSync.

An insurance coverage license may be the doorway to a rewarding and profitable profession. You may even say insurance coverage is a subject ripe for the making of the American Dream. So, how does it work for individuals who aren’t U.S. residents?

Effectively, states take differing views on topics like undocumented immigration or overstayed visas, and the insurance coverage business isn’t immune from political theater.

We are able to’t deal with all the numerous nuances in a weblog like this, as a result of every scenario has totally different exceptions, exemptions, additions, and so on. However, we will expose the divide between states that take extra restrictive approaches to noncitizen licensees and states that take a broader strategy to who could also be licensed, and a number of the indicators to look out for when deciding whether or not to use for a license in any given state.

After all, not one of the following is meant to be authorized steering, however serves as a springboard into deeper, extra state-specific analysis for anybody confronted with a selected circumstance.

1. Do states require me to report my citizenship to get an insurance coverage license?

Possibly – particular person states take very particular person approaches.

We wager you already knew that, although! If this isn’t your first brush with insurance coverage, you’re seemingly all-too accustomed to the nuances that include questions on who wants what for which licenses and the place. So, sure, questions on citizenship fluctuate state to state (like almost all the things in insurance coverage).

States that require citizenship documentation for a producer licensing software

It’s fairly widespread for states to require some kind of documentation for insurance coverage license candidates who aren’t U.S. residents. However two states take the strategy of requiring all candidates to add proof of their citizenship standing.

Georgia

Within the Georgia licensing handbook, the process for making use of to get a producer license requires candidates to take a seat the examination after which full a citizenship affidavit:

“New license candidates are required to submit a notarized Citizenship Affidavit Type (GID-276-EN) testifying to both United States citizenship or lawful presence.”

As soon as the affidavit is full, then you’ll be able to proceed to the precise licensing course of.

Alabama

Alabama, too, requires proof of citizenship from all candidates earlier than the state will course of the license or renewal software.

The state has a prolonged record of doable acceptable documentation, though it additionally factors out that issues like drivers’ licenses and state IDs from different states are solely acceptable if that state requires you to show your citizenship to acquire that ID.

The state’s FAQs additionally make it clear that your house state (or resident state) license can’t be the premise for proof of citizenship as a result of some states don’t require you to show your citizenship.

2. How can noncitizens get an insurance coverage producer license?

Not less than 13 states apart from Alabama and Georgia require noncitizen producers and would-be producers to offer “proof of U.S. work authorization” documentation of some variety – together with an Employment Authorization Doc or EAD – to get a license.

In line with NOLO, the next paperwork could also be ample proof of labor authorization:

  • an unexpired overseas passport with an I-551 stamp
  • an alien registration receipt card or everlasting resident card
  • an unexpired EAD, issued by U.S. Citizenship and Immigration Providers, which incorporates {a photograph}, or
  • an unexpired overseas passport with Type I-94 containing an endorsement of nonimmigrant standing.

If you happen to’ve jumped by way of the numerous hoops of federal process to acquire a everlasting residency or an EAD for noncitizens, then, when required, you will need to add the related documentation to the Nationwide Insurance coverage Producer Registry’s Attachment Warehouse. So long as your paperwork are up-to-date on this NIPR file repository, then you must have little hassle sustaining your license and reciprocity throughout states.

3. Are you able to get an insurance coverage producer license in the event you overstayed your visa or are an undocumented resident of the U.S.?

Acquiring an insurance coverage license, like many different actions, is kind of fraught for U.S. residents who aren’t residents and who don’t have a piece authorization, and who don’t have a path to acquire both.

Some states have legal guidelines that appear to sign their openness to permitting undocumented residents to use for and earn insurance coverage licenses.

As an illustration, in 2021, Colorado repealed laws that beforehand required state directors to validate citizenship and work authorizations for skilled license candidates. The brand new legislation known as, “Take away Lawful Presence Verification Credentialing.” A state abstract of the laws mentioned, “The act additionally specifies that lawful presence isn’t required of any applicant for any state or native license, certificates, or registration. The act is a state legislation throughout the that means of the federal legislation that offers states authority to offer for eligibility for state and native public advantages to individuals who’re unlawfully residing in the US.”

To that impact, in 2022, the state’s DOI repealed the bulletin that beforehand required proof of citizenship or proof of labor authorization. These adjustments suggest, with out explicitly stating, that candidates in Colorado needn’t have documentation to confirm their work or citizenship standing to be able to get a license with the DOI. California, as effectively, though it requires a background test with full fingerprints by way of the Federal Bureau of Investigation, doesn’t require documentation of labor authorization.

But, because the legislative abstract suggests, state legislation can solely function “throughout the that means of the federal legislation,” which brings us to the federal Immigration Reform and Management Act.

Influence from the federal Immigration Reform and Management Act

Signed underneath the Gipper, the 1986 Immigration Reform and Management Act imposes the requirement that employers hold data of their staff and staff’ citizenship standing. This consists of requiring staff to validate their authorized skill to work. So, even in a state like Colorado the place an undocumented resident may acquire a license, there’s no assure that they’ll have the ability to discover employment as an insurance coverage producer.

Additional, the cut up of state necessities could make it harder to work throughout state strains as a result of, must you discover employment and licensure in Colorado even with no work authorization, you should still be barred from getting a nonresident license wherever else.

The fact is, for everybody who isn’t a citizen, and even for individuals who are, there should be a variety of paperwork standing between the place you might be immediately and the place you wish to be, with licenses and appointments in hand.

Whereas AgentSync can’t do something for the myriad vagaries of the U.S. immigration system, we can make dealing with licensing and appointment compliance for producers, adjusters, and variable strains brokers much less hellacious. To see how we may help you improve your pace to income, drive effectivity, and onboard or terminate seasonal groups in bulk for peak compliance, schedule a demo.

Subjects
Georgia
Alabama
Colorado

Leave a Reply

Your email address will not be published. Required fields are marked *