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Licenses with Special Requirements

Adjuster

UCA Section 31A-26-102

"Insurance adjusting" or "adjusting" means directing the investigation, negotiation, or settlement of a claim under an insurance policy, on behalf of an insurer, policyholder, or a claimant under an insurance policy.

  • "Company Adjuster" means a person employed by an insurer whose regular duties include insurance adjusting.
  • "Independent adjuster" means an insurance adjuster required to be licensed under Section 31A-26-201, who engages in insurance adjusting as a representative of insurers.
  • "Public Adjuster" means a person required to be licensed under Section 31A-26-201, who engages in insurance adjusting as a representative of insureds and claimants under insurance policies.

Licensing: To qualify for an adjuster license, you must take and pass the appropriate exam. Fingerprinting is required for resident adjusters. *For non-resident adjusters, please see Non-resident Adjuster Licensing Procedures.

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Bail Bond

No exam is required for a bail bond producer license but fingerprinting is required. Application can be made online from your home or office at Sircon or NIPR.

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Consultant

UCA 31A-1-301(88) "Insurance consultant" or "consultant" means a person who:

  1. advises another person about insurance needs and coverages;
  2. is compensated by the person advised on a basis not directly related to the insurance placed; and
  3. except as provided in Section 31A-23a-501, is not compensated directly or indirectly by an insurer or producer for advice given.

Licensing: To qualify for a consultant license, you must have been acting in a capacity that would provide you with the preparation to act as an insurance consultant for an aggregate period of not less than three years during the four years immediately preceding the date of the application. Your qualifications must relate to the line of insurance for which you plan to consult.

It is your responsibility to make sure you meet the minimum experience requirements prior to taking the exam.

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Managing General Agent

(MGA) UCA 31A-23a-102(6)(a) "Managing general agent" means a person that:

  1. manages all or part of the insurance business of an insurer, including the management of a separate division, department, or underwriting office;
  2. acts as an agent for the insurer whether it is known as a managing general agent, manager, or other similar term;
  3. produces and underwrites an amount of gross direct written premium equal to, or more than 5% of, the policyholder surplus as reported in the last annual statement of the insurer in any one quarter or year:
    1. with or without the authority;
    2. separately or together with an affiliate; and
    3. directly or indirectly; and
    1. adjusts or pays claims in excess of an amount determined by the commissioner; or
    2. negotiates reinsurance on behalf of the insurer. (b) Notwithstanding Subsection (6)(a), the following persons may not be considered as managing general agent for the purposes of this chapter:
      1. an employee of the insurer;
      2. a United States manager of the United States branch of an alien insurer;
      3. an underwriting manager that, pursuant to contract:
        1. manages all the insurance operations of the insurer;
        2. is under common control with the insurer;
        3. is subject to Chapter 16, Insurance Holding Companies; and
        4. is not compensated based on the volume of premiums written; and
      4. the attorney-in-fact authorized by and acting for the subscribers of a reciprocal insurer or inter-insurance exchange under powers of attorney.

Licensing: Pursuant to 31A-23a-601, the Utah Insurance Department licenses both individuals and organizations as Managing General Agents/Agencies. A producer license must be held first before the MGA license will be issued. Residents or Non-residents may apply online at Sircon or NIPR. *We do not require a bond be submitted with the application.

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Navigators

The application process for obtaining a Navigator license in Utah is as follows:

1. The Utah Insurance Department requires all persons applying for a navigator license in Utah to first successfully complete the federal navigator training and certification program requirements administered through the United States Department of Human Services (HHS), including any applicable individual navigator training and examination requirements under that program. Once you have completed the HHS certification requirements, you may then apply for a navigator license. Proof of completing the certification will be submitted to the insurance department as part of the navigator license application. Instructions for documents required to be submitted to the department are included in the license application. 

2. The insurance department requires all individuals applying for a navigator license to be fingerprinted through the department’s testing and fingerprint processing vendor, PSI. Fingerprinting must be done at a PSI center in Utah, using “live scan” technology, which digitally captures and transmits the fingerprints to the Utah Department of Public Safety, Bureau of Criminal Identification (BCI), and the Federal Bureau of Investigation (FBI). You must pay PSI’s fingerprint processing fee ($20) at the PSI center for fingerprinting during the fingerprint walk-in hours posted on PSI's website.

3. Apply for the license online from your home or office through Sircon at www.sircon.com/utah before arriving at the PSI center for any required fingerprinting. Individuals can also apply online using a kiosk at the PSI center. Payment for both the license application fee ($40 individual applicants/$50 business entity applicants) and the FBI/BCI fingerprint fee ($16.50 FBI/$20 BCI) must be made by credit card during the online license application process.

4. Upon completing the online application, print out the Sircon confirmation page as proof you have paid the FBI/BCI fees. Give the confirmation page to the test center supervisor and your fingerprints will then be scanned.

5. Fingerprint results will be returned to the insurance department. The department will evaluate the results and the license application prior to issuing any license.

6. Navigator licenses are valid for one year. Once your license has been approved and issued, you may print a hard copy of your license by going to www.sircon.com/utah and clicking on the link titled Print a License”. To see if a new or renewal license has been approved and issued, go to: www.sircon.com/utah and click on “Check license application status” or “Check license renewal status”.

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Reinsurance Intermediaries

UCA 31A-23a-102(8) "Reinsurance intermediary" means:

  1. a reinsurance intermediary-broker; or
  2. a reinsurance intermediary-manager.

UCA 31A-23a-102(9) "Reinsurance intermediary-broker" means a person other than an officer or employee of the ceding insurer, firm, association, or corporation who solicits, negotiates, or places reinsurance cessions or retrocessions on behalf of a ceding insurer without the authority or power to bind reinsurance on behalf of the insurer.

UCA 31A-23a-102(10) "Reinsurance intermediary-manager" means a person who:

  1. has authority to bind or who manages all or part of the assumed reinsurance business of a reinsurer, including the management of a separate division, department, or underwriting office; and
  2. acts as an agent for the reinsurer whether the person is known as a reinsurance intermediary-manager, manager, or other similar term.
    1. Notwithstanding Subsection (10)(a), the following persons may not be considered reinsurance intermediary-managers for the purpose of this chapter with respect to the reinsurer:
      1. an employee of the reinsurer;
      2. a United States manager of the United States branch of an alien reinsurer;
      3. an underwriting manager that, pursuant to contract:
        1. manages all the reinsurance operations of the reinsurer;
        2. is under common control with the reinsurer;
        3. is subject to Chapter 16, Insurance Holding Companies; and
        4. is not compensated based on the volume of premiums written; and
      4. the manager of a group, association, pool, or organization of insurers that:
        1. engage in joint underwriting or joint reinsurance; and
        2. are subject to examination by the insurance commissioner of the state in which the manager's principal business office is located.

Licensing: Pursuant to 31A-23a-801, the Utah Insurance Department licenses both individuals and organizations as Reinsurance Intermediaries. A producer license must be held first before the reinsurance intermediary license will be issued.

Residents or Non-residents may apply online at Sircon or NIPR.

*We do not require a bond be submitted with the application.

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Surplus Lines

To qualify for surplus lines, you must have been a property/casualty insurance producer for at least three of the past four years. The "comparable preparation" provision does not apply to surplus lines.

Residents or Non-residents may apply online at Sircon or NIPR.

* It is your responsibility to make sure you meet the minimum experience requirements prior to taking the exam.

*For Non-resident Surplus Lines: Please refer to the non-resident jurisdictional agreement (UCA 31A-23a-109)

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Third-Party Administrator

"Third party administrator" or "administrator" means a person who collects charges or premiums from, or who, for consideration, adjusts or settles claims of residents of the state in connection with insurance coverage, annuities, or service insurance coverage.

*For a list of licensing exemptions, please see UCA Section 31A-1-301(159)

Licensing: Third-party administrator applications are now completed online through Sircon or NIPR. The fee is $85. After completing the application, please fax a copy of the bond to the Department at 801-538-3830 or email to licensing.uid@utah.gov.

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Variable Contracts

To qualify for a variable contracts license, you must meet the following requirements:

  1. Either apply for a life license at the same time or already hold a life license;
  2. Have evidence of a current FINRA qualification and registration with the Utah Securities Division (a current CRD showing Utah approval).
  3. For Non-resident Variable Contracts: Please refer to the non-resident jurisdictional agreement (UCA 31A-23a-109)

Residents or Non-residents may apply online at Sircon or NIPR.

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