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A state license and a carrier appointment are not the same thing. A license gives you authority from the state. A carrier appointment or writing number gives you authority to submit business with that carrier in that state.

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The Order Matters

1. Get the state license → 2. Confirm the carrier/product is available there → 3. Complete any carrier state-add/appointment step → 4. Confirm you are clear before writing.

A state license by itself is not the finish line.

Before Adding a State

• Your resident life license must be active.
• Confirm the state fits your actual lead or sales plan.
• Check the state's requirements and fees through NIPR.
• Review Non-Resident Licensing Guide before applying.

After the License Is Approved

A new state license does not automatically mean every carrier is ready there.

For each carrier you plan to write:

1. Confirm the carrier accepts business in that state.
2. Complete the carrier's state-add or appointment process if required.
3. Wait for confirmation, portal access, or the appropriate writing authority before submitting an application.
4. Save the approval and update your personal license/carrier records.

Where to Get Help

• Use Carrier Directory & Support for verified agent-support contacts and carrier resources.
• Send contracting, hierarchy, transfer, release, and appointment requests to Brooke through the current team process.
• Do not rely on an old spreadsheet, screenshot, or another agent's appointment status as proof that you are cleared.