Can I Get Licensed for Life Insurance if I Have a Misdemeanor California

Exercise you take a potential event with your background or record? Wondering if y'all are eligible to get your insurance license?

In this article, I hash out how you may be able to get your insurance license with a potential issue with your background or record.

Permit's begin!

Quick Navigation Article Links

• How Licensing Works
• Misdemeanors
• Felonies
• DUI
• Bad Credit
• Tax Lien

How Licensing Works

In the life insurance field, nix is more important than honesty, integrity, and trustworthiness. As an insurance agent, y'all will work with your clients on matters involving their finances. Information technology goes without maxim that they must be able to fully trust you.

When you utilize for an insurance license, you have to meet your land's licensing regulations. Each state has its ain insurance agent licensing requirements, which tin include background checks to verify if applicants are of adept character and/or fingerprinting.

Currently, 25 states require fingerprints as part of the background bank check. This involves running your fingerprints through the FBI Criminal Database to check if you have any by or present felony convictions.

Most other states and the Commune of Columbia require identification and/or groundwork checks for the past seven years.

You can discover out more than about your state's insurance licensing requirements on the FindLaw website.

Getting an insurance license with a misdemeanor

A misdemeanor is a minor offense that is less serious than a felony. It can be anything from a unproblematic assault to shoplifting, trespassing, hell-raising conduct, and other lesser criminal acts. Misdemeanors unremarkably involve jail time, smaller fines, and temporary punishments.

In most cases, you can get an insurance license with a misdemeanor. However, certain misdemeanors require you to wait for a disqualifying period earlier you can apply for licensure.

A vii-yr disqualifying period must exist met for any misdemeanors that are directly related to the financial services business in some states, while others may be more forgiving.

Ultimately, call your state's Department of Insurance for guidance on the likelihood of getting an insurance license with a misdemeanor.

Getting an insurance license with a felony

Felonies are serious crimes such equally murder, rape, break-in, kidnapping, and arson that upshot in fines and long jail or prison sentences.

Whether an agent can go licensure depends on the blazon of felony. Some applicants are completely disqualified from getting an insurance license, while others may be able to utilize after a specific waiting period has elapsed.

Applicants who have committed a felony of the first degree, a majuscule felony, a felony involving coin laundering, fraud, or embezzlement, or a felony directly related to the financial services concern are well-nigh likely non eligible to utilize for an insurance license.

For all other felonies, in that location is a mandatory waiting menstruum before applying for a license.

For felonies involving crimes of moral turpitude that are not specifically included in permanent confined, there is a fifteen-year disqualification. For other felonies, for which neither the permanent bar nor 15-twelvemonth disqualification applies, there is a seven-yr disqualification menses.

After the disqualification period, applicants must be able to demonstrate that they have been rehabilitated, that they don't represent a risk to the customers, and that they are trustworthy plenty to work in the insurance business.

Again, call your land's Department Of Insurance for accurate guidance on getting a license with a felony.

Getting an insurance license with a DUI

Driving under the influence (DUI) is a criminal conviction that tin can have serious consequences for your professional life. Whether you tin can get an insurance license with a DUI depends on how the offense is classified: as a misdemeanor or felony.

In about cases, a first-time conviction for driving under the influence is considered a misdemeanor, although sometimes it can besides be charged as a felony crime. An often-repeated DUI is always considered a felony. The specific conditions and classifications of DUI vary from state to country.

If you receive a misdemeanor DUI conviction, you will probably be able to get an insurance license. I've recruited many agents with DUI convictions in the history. However, if yous have a felony confidence, it may be more hard and the process may include long disqualification periods.

Getting an insurance license with a bad credit

Getting canonical every bit an insurance agent if you lot accept a bad credit score is not impossible. However, you need to go along in mind that most insurance agencies are very selective nearly their review process.

Before signing the contract, they will ask you almost any outstanding debts and bankruptcies, also as electric current and past foreclosures.

What's more, many agencies offer advance commissions or a loan against your futurity earnings if yous qualify based on credit. They need to be sure that you lot will be able to pay the loan back if your clients cancel their policy.

Lesser line, while nearly applicants will be able to get an insurance license with bad credit, they may take difficulty getting appointed with the insurance carriers.

Ultimately, that depends on what's on your credit, and will vary betwixt each insurance carrier, as some are more flexible on bad credit than others.

Revenue enhancement Lien

A tax lien is a claim the government makes on your property when you're past due on your income taxes. Failure to take care of a federal tax lien may result in a tax levy, that is, seizure of property to pay the taxes you lot owe.

Your land may prevent yous from obtaining an insurance license if you lot haven't paid your tax debt off or if you oasis't made any payment arrangements.

Free New Agent Insurance Sales Resources Guide

If you're thinking well-nigh getting into insurance, make certain you check out my free resource guide for new agents.

Information technology helps y'all understand the lucrative possibilities of a successful career selling insurance, while fugitive the mutual landmines many new agents feel.

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Source: https://davidduford.com/insurance-license-background-issues/