Hot States

Hot States

Insurance Licensing – ALL LINES

Writing Members must have an appropriate insurance license (life, health) and be appointed with the respective product provider or Agency affiliation in each state business is solicited. Override payouts for business written in “Hot States,” can only be paid to up-lines who have the appropriate insurance license (life and/or health) and appointment with the respective product provider or Agency affiliation where business is written by their down-line.

* As of January 2015

Hot States for License and Appointments

There are three (3) jurisdictions that require an individual to be licensed in the state AND maintain a provider appointment in order to receive override payouts. These three states are:

Florida
Virginia
West Virginia

*For override purposes, appointments should only be requested for up-lines in these states!

Hot States for License Only

There are fifteen (15) jurisdictions that require an individual to be licensed in the state to receive override payouts (appointment NOT required). These states are:

Alabama
Georgia
New Mexico
South Dakota
Louisiana
Kentucky
Massachusetts
Mississippi
Montana
North Carolina
Pennsylvania
South Carolina
Utah
Wisconsin