Saturday, July 12, 2014

Insurance Licensing Houston Tit Bits

By Coleen Torres


Properly and professional set up by the insurance department in Texas is a set of law requiring all companies and people who are offering the services. Insurance licensing Houston particularly oblige insurance business entities in the state to accomplished all necessary requirements whether they offer licenses for agents, third party administrators, premium finance, utilization review agents (URAs), workers' compensation or the Office of the State Marshal associated insurances.

To be a licensed agent or company, an individual must first complete the set of documents required by the State of Texas. Forms and requirements might vary according to the type of protection you are selling - whether it is a life and disability, health, auto or worker's compensation. A separate requirement or document will be needed for agents who are selling in different state. The following article aims to guide you in securing such license especially when you are doing business across Houston, Texas.

The first step is to visit the website or office of the state commissioner where you need to secure a license. There is also the contact information in the national directory for National Association of Insurance Commissioners. Inside the directory, choose 'agent licensing' and then proceed.

In the licensing tab, choose the type of you're selling - whether it's auto, home, health, life, bail bonds, business or any other form of insurance. Read the rules and regulations well. Consult to authorities for provisions unclear to you. Be reminded that each state has its different sets of rules and policies. One state policy might not be applicable to another. Ensure that you understood the policies well before proceeding to the next step.

You might be required to take and pass the state-administered test. An agency will also have to conduct a background check on you. All these requirements are included in a checklist once you visited the website of the National Insurance Commission. Once all the items in the checklist are accomplished, you can now proceed to the next step which is the provision of a background and work history, fingerprinting as required by the application. All the documents must be notarized, with corresponding private mail boxes for state response. You don't have to worry because some of these services are provided for free.

Along with taking the exam is taking a class for basic regulations. This is where the rules, regulations and concepts are discusses. You must complete each class in terms of hours to move to the next step. Handout materials for the test and class are provided. Some of these materials are available for purchase online and some companies' bookstore.

To make the application complete, you need to pass the test. The accomplished forms and requirements must be submitted to the National Insurance Commission as soon as possible to avoid getting void.

Licensing in Houston is an important part of the marketing in Texas. It assures that your business is legally compliance to state's law and your clients are protected by a lawful company or agent.




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