Agent Licensing & Ready-to-Sell SOP
经纪人执照、签约、任命与开单资格标准流程
From initial licensing to carrier appointment and Ready-to-Sell status.
从首次取得保险执照，到外州执照、Carrier Contracting、 Appointment、Training 及最终 Ready to Sell。
LICENSE 执照
→
E&O / AML 基础合规
→
CONTRACTING 保险公司签约
→
TRAINING 销售前培训
→
APPOINTMENT 保险公司任命
→
READY TO SELL 可以开展业务
01
Determine Resident State 确认 Resident State｜主要居住州
Confirm the agent's primary resident state before beginning the insurance licensing process.
首先确认经纪人的主要居住州。首次申请保险执照通常从 Resident State 开始。
Resident State Primary License Line of Authority
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02
Complete Resident Licensing Requirements 完成 Resident License 申请要求
Complete all applicable state requirements before the Resident Producer License can be issued.
根据 Resident State 的规定完成相应申请要求。
✓ Pre-Licensing Education 考前课程（如适用）
✓ State Licensing Exam 州保险执照考试
✓ Fingerprinting 指纹采集（如适用）
✓ Background Check 背景调查
✓ State / NIPR Application 州保险局 / NIPR 申请
✓ Licensing Fees 支付执照相关费用
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03
Resident License Issued 取得 Resident Producer License
Once issued, verify the producer license before moving to carrier contracting.
执照签发后，不要只确认“有执照”，还需要确认执照状态及 Line of Authority。
VERIFY｜必须确认
✓ Active Status ✓ Correct State ✓ Correct Line of Authority ✓ License Number
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04
Need to Conduct Business in Another State? 是否需要在其他州开展保险业务？
Determine where the proposed insurance transaction will take place and whether an additional state license is required.
NO
Resident State Only 仅开展 Resident State 业务 Continue to E&O / AML
YES
Non-Resident License 申请对应州 Non-Resident License Continue to Step 05
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05
Apply for Non-Resident License 申请 Non-Resident Producer License｜外州执照
If business will be conducted in another state, verify and obtain the appropriate Non-Resident Producer authority before conducting regulated insurance activity.
如果需要在其他州开展业务，应先确认该州要求并取得相应的 Non-Resident License。
✓ Active Resident License Resident License 有效
✓ NIPR Application 提交 NIPR / 州申请
✓ Correct LOA 正确 Line of Authority
✓ State Licensing Fee 支付外州执照费用
✓ State-Specific Requirements 确认州特别要求
✓ Active Status 确认外州执照已生效
Important｜注意： An active Resident License often simplifies Non-Resident licensing, but requirements and fees vary by state.
已有有效 Resident License 后，申请 Non-Resident License 通常会更简单，但费用及具体要求仍需逐州确认。
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06
Complete E&O & AML 完成 E&O 与 AML 基础要求
Complete required producer compliance items before or during carrier contracting.
✓ E&O Insurance 有效职业责任保险
✓ AML Training 反洗钱培训
✓ E&O Certificate 保存 E&O Certificate
✓ AML Certificate 保存 AML 培训记录
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07
Carrier Contracting 完成保险公司签约
Complete carrier contracting through SureLC, the carrier portal, or the applicable FFIM contracting process.
通过 SureLC、Carrier Portal 或 FFIM 指定流程完成保险公司签约。
✓ Producer Agreement 经纪人协议
✓ W-9 税务资料
✓ EFT / Direct Deposit 佣金直付资料
✓ E&O Upload 上传 E&O
✓ AML Verification AML 验证
✓ Carrier Contract 提交 Carrier Contract
Contracting ≠ Appointment
完成保险公司 Contracting，并不一定代表已经完成州 Appointment，也不一定代表已经 Ready to Sell。
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08
Complete Required Training & Certifications 完成销售前培训与产品认证
Complete all training required by the state, carrier and specific product before solicitation or application submission.
✓ Carrier Product Training 保险公司产品培训
✓ Annuity Training 年金培训（如适用）
✓ Best Interest Training Best Interest 培训
✓ State-Specific Training 州特别培训
✓ Product Certification 产品认证
✓ Carrier Requirements Carrier 特别要求
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09
Carrier Appointment 确认保险公司 Appointment｜任命
Appointment timing and requirements vary by carrier and state. Confirm appointment status when required before conducting business.
Appointment 的时间及要求可能因州和保险公司不同，应根据具体 Carrier / State 要求确认。
LICENSE 州授予执照
CONTRACT Carrier 建立签约关系
APPOINTMENT Carrier / State 任命记录
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10
Final Ready-to-Sell Verification 最终确认 Ready-to-Sell 状态
Complete the final verification before submitting business.
✓ License Active 执照有效
✓ Correct State 业务州正确
✓ Correct LOA 执照类别正确
✓ E&O / AML Complete 基础合规完成
✓ Contract Active 保险公司签约完成
✓ Training Complete 相关培训完成
✓ Appointment if Required Appointment 已满足
✓ Carrier RTS Confirmed Carrier Ready-to-Sell 已确认
READY TO SELL 已满足相关开单资格要求
Licensing vs. Contracting vs. Appointment License、Contracting 与 Appointment 的区别
Item
项目 		License
州保险执照 		Contracting
保险公司签约 		Appointment
保险公司任命
Granted By
谁批准 		State Insurance Regulator
州保险监管机构 		Insurance Carrier / BGA
Carrier / BGA 		Carrier / State Filing
Carrier 向州申报
Purpose
作用 		Producer authority
保险从业资格 		Carrier relationship & compensation
建立签约及佣金关系 		Carrier authorization
Carrier 任命记录
State Specific?
是否按州 		Yes
是 		Carrier Specific
按 Carrier 		State / Carrier Specific
按州及 Carrier
Same as Ready to Sell?
是否等于 RTS 		No
否 		No
否 		Not Always
不一定
MASTER PROCESS｜完整流程
1 Resident License 本州执照
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2 Non-Resident 外州执照（如需要）
→
3 E&O / AML 基础合规
→
4 Contracting Carrier 签约
→
5 Training 培训认证
→
6 Appointment 任命
→
✓ Ready to Sell 可以开展业务
Important Compliance Reminder｜重要合规提示

Do not submit business until all applicable licensing, contracting, training, appointment and carrier Ready-to-Sell requirements have been satisfied.

在所有适用的 License、Contracting、Training、Appointment 以及 Carrier Ready-to-Sell 要求完成前，请勿提交相关保险业务。

State and carrier requirements may change. Always verify current requirements with the applicable state insurance regulator, NIPR and the applicable insurance carrier.
各州及保险公司的要求可能发生变化，请以相关州保险监管机构、 NIPR 及 Carrier 最新规定为准。