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Use this after your resident life license is active. This guide is for adding non-resident states — not for obtaining your first resident license.

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Before You Apply

  1. Make sure your resident life license is active and showing correctly in NIPR.
  2. Apply through NIPR →.
  3. Request the Life line of authority unless Brooke/team guidance tells you to add another line.
  4. Review the state's NIPR requirements immediately before paying. State fees and rules can change.
  5. Remember that the amounts below are state fees only. NIPR transaction fees are additional.

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Do not buy a pile of states just because they are cheap. Add states you are actually likely to work. Lead availability, carrier availability, and your work schedule matter more than collecting licenses for sport. 😂

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Low-Friction / Lower-Cost States

These are useful when the goal is to expand without a large licensing spend. "Low-friction" means the current NIPR process is electronically available and does not list an extra life-producer exam/fingerprint step for a standard reciprocal non-resident Life application. It is not a guaranteed processing-time promise.

State Current State Fee* Operational Note
Ohio $10 for Life Fee is per LOA. Straightforward reciprocal major-line application.
South Carolina $25 Simple electronic producer application for standard U.S. resident-license holders.
New Mexico $30 Simple electronic producer application.
Florida $55 for Life $50 application fee + $5 per LOA.
Washington $55 Fee is per application.
Texas $50 Life Agent fee is $50. Use when Texas is a non-resident state for you.

*State fee only; NIPR transaction fees are extra.

Good Expansion States With a Moderate Cost

State Current State Fee* Important Note
Alabama $80 Requires proof of U.S. citizenship/lawful eligibility documentation. NIPR notes a possible 7–10 day difference between its response and the state's actual effective date.
North Carolina $94 for Life $44 license fee + $50 per LOA.
Kentucky $100 for Life $50 per LOA + $50 application fee.
Mississippi $101 $100 producer fee + $1 online application/session fee.
Pennsylvania $110 Standard non-resident Life does not have the fingerprint requirement shown for PA non-resident Title applicants.
Georgia $120 for the Life/A&S license combination $100 state LOA/combination fee + $20 application processing fee.

*State fee only; NIPR transaction fees are extra.

Cheap Does Not Always Mean Fast

Two states are especially important examples:

Michigan