State Requirements

Effective January 1, 2024, the Illinois bond requirement for Public Adjusters and Public Adjuster Business entities will increase from a $20,000 bond to a $50,000 bond.

Delayed Applications- Incorrect Background Question Responses

The Illinois Department of Insurance is currently seeing a significant number of license applications containing incorrect responses to the background questions. In an effort to reduce issues and delays in processing license applications the Department would like to provide the following notice.

Fees

• Fees shown are state fees only. These fees do not include NIPR transaction fees.
• All fees are charged per application.
• A licensing fee is prorated if the total days of licensing granted to the applicant is less than a full two (2) years (seven hundred and thirty (730) days) as determined by the assigned expiration date. If the license is issued for a full two (2) years, there is no prorating and the normal fee applies. Total length of license granted will be no less than eighteen (18) months and no more than twenty-nine (29) months. The navigator certificate license class is excluded from prorated fees.

Insurance Producer

• Fee: $380.00
• Reinstatement Fee: $760.00

Non-Resident Limited Lines Producer

• Fee: $0.00
• Reinstatement Fee: $400.00
• Fee Disclaimers: The appointing company will pay for the license through the appointment process. insurance producer is only responsible for NIPR transaction fee.

Surplus Lines Producer

• Fee: $400.00
• Reinstatement Fee: $400.00

Amendment Fee

• Fee: $0.00
• Reinstatement Fee: $0.00

Travel Insurance

• Fee: $0.00
• Reinstatement Fee: $1000.00

Public Adjuster

• Fee: $250.00
• Reinstatement Fee: $500.00

Viatical Settlement Broker

• Fee: $500.00

Lines of Authority

• Please note that license class names can vary by state.
• Applications for Other lines of authority will defer to state for approval.

Insurance Producer

• Life
• Health
• Variable Life
• Variable Annuity
• Property
• Casualty
• Personal Lines

Limited Lines Producer

• Industrial Life
• Industrial Accident & Health
• Limited Health Services Organization
• Credit Life, Accident & Health
• Baggage or Limited Travel, Health, or Trip Cancellation
• Farm Mutual
• HMO Enroller
• Legal Expense

Public Adjuster

• No Line of Authority Required

Surplus Lines Producer

• No Line of Authority Required

Viatical Settlement Broker

• No Line of Authority Required

Rules and Requirements

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 electronically.
• Reinstate/reapply through NIPR's Non-Resident License (NRL) Application.
• Print licenses electronically

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.
• Applicants applying for a Surplus Lines Producer license must read Section 445 of the Illinois Insurance Code and Section 2701 of the Illinois Administrative Code regarding Surplus Lines. Failure to comply with these regulations may result in fines and penalty fees. Please go to [http://nipr.com/surplus_lines/illinois_state_sl_message.htm] to read the Surplus Lines Laws and Regulations for the State of Illinois.
• Long Term Care is covered under the Health line of authority. The applicant must comply with the training requirements. Please go to [http://www.ilga.gov/commission/jcar/admincode/050/050020120001210R.html] for the specific requirements.
• Applicant will be unable to apply electronically if they hold an inactive non-resident Illinois license on Producer Database (PDB).
• Initial non-resident license transactions for the Limited Lines Producer class must be completed so that companies can submit an appointment to allow Illinois to issue the license.

• Limited Lines Producer license class information
  • Initial non-resident license transaction must be completed so that companies can submit an appointment to allow Illinois to issue a license for these particular limited lines and temporary insurance producer licenses.
  • Insurance producers will not pay for the license, only the NIPR transaction fee.
  • Multiple companies may hold appointments (licenses) on Producer Database (PDB) for any one (1) individual.
  • If a company terminates, the license still may be active on PDB. Multiple companies may hold a license with the individual.
  • Limited Lines Producer license will go through the appointment renewal process as long as the license is active in order to renew the license.
  • License is not valid without an appointment and will inactivated if an appointment is not submitted within thirty (30) days after the license is active on PDB.
  • Limited Lines Producers may not reinstate license.
  • The Limited Lines Producer license class is exempt from pre-licensing and exams.
  • 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.
  • If the Limited Lines Producer license is inactive or has a cancelled status on PDB, the insurance producer will then have to reapply for the license class so that the company can submit an appointment.
  • Applicant’s applying for Viatical Settlement Broker must be actively licensed for Insurance Producer with Life for a minimum of 1 year before being eligible to apply.
  • Public Adjuster applicants are required to submit a bond in the amount of $50,000. Applicant is required to upload required documentation to the state via the NIPR Attachment Warehouse.
  • Public Adjuster applicant will be deferred for fingerprint requirements. Prior to the Department’s issuance of a public adjuster’s license, the applicant’s fingerprints must be on file with the Department. Information regarding requirements for public adjuster applications, including fingerprinting, can be found on the Department’s website at https://www2.illinois.gov/sites/Insurance/Producers/Pages/Illinois-Public-Adjuster.aspx
  • 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.