get insurance without license
When I started looking into getting my license to sell health insurance, I had a difficult time finding out what it was. I was confused that the license needed to achieve, how to apply, where to take classes, and so on. Taking the first two steps is the hardest part. Once you get past the first steps, things tend to make more sense. This article is intended to make the first steps a little more bearable.
First things first:
A license to sell Health insurance is also a license to sell life insurance. If you want to sell other types of insurance such as property and casualty, which requires training and an independent separate examination. This type of license is called an "Insurance Agent" License. The license referred to in this Article is Life and Health Insurance license.
You have to go find the specific laws of your state, but most state laws are very basic and very similar. You have to take a class of 40 hours, which will give you a certificate of completion. The completion certificate will be allowed access to take the state licensing exam. Here California, like everything else, is a bit more difficult. In California, you are required to take an additional 12-hour ethics course, for a total of 52 hours in total.
Registration for the class:
I had a heck of a time finding a place to take my classes. I searched and searched before finally landing in the Kaplan Financial website. Now this is not an endorsement, but rather a suggestion to other companies that offer courses that your marketing efforts are terrible, because you could not find the product anywhere. Either way, you pay a small fee of a couple hundred dollars or less, and the schedule of classes.
Taking the class:
Make sure you are on time. The instructors are very strict to ensure you put in the correct number of hours. Due to strict government regulating the financial industry, teachers can get a fine lot of money to allow students to walk in late. So make sure you are early.
The classes themselves are pretty intense for homework review the material before class will be beneficial. My class was a monopoly, with 99% of students representing a company. On the first day, most students were dressed to a T, but the last day in jeans and T-shirts were the rule. Also, if you own or represent a business, like any other meeting, bring business cards. It's good to know people in the field, so network network, network.
Test Dates:
Once you have completed the course, you will receive a certificate of completion. This is basically the guardian of take the exam and obtain your license. Most states have online scheduling tools. At this point, you're ready to go.
Sale Insurance:
Once you have passed the exam, which requires a score of 70% or more, you are legally allowed to sell life insurance and health.
I hope this helps make things a little easier for you aspiring producers out there.
About the Author:
Brad Miller is a Managing Partner for View Health Insurance. The company website, http://www.viewhealthinsurance.com offers free online Ohio health insurance quotes from multiple carriers. View Health Insurance is a full service Insurance Brokerage Firm specializing in health insurance quotes for individuals, families and the self employed.
Article Source: ArticlesBase.com – Health Insurance, The Steps to Getting Your License
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